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About Zen Payments
Zen Payments is a payment processor with roughly 15 years of industry experience, specializing in high-risk merchant categories such as CBD, adult services, subscriptions, travel, supplements, and credit repair. It works with 15 banks and processors to place merchants with the best fit, reporting a 98% approval rate, and offers built-in chargeback protection programs alongside PCI DSS-compliant gateway integrations. Because Zen Payments routes accounts across multiple acquiring banks, dispute mechanics can vary by bank, and all still follow the standard card-network chargeback timeline. Chargeflow handles the evidence-gathering across every bank.
Why Chargeflow + Zen Payments
Every dispute, one queue
Chargeflow pulls Zen Payments chargebacks into a single workspace alongside your other processors, so nothing sits unmonitored.
Evidence built for high-risk review
Order, delivery, and communication records assembled into the format issuers expect : important given Zen's high-risk merchant base.
Beat every deadline
Chargeflow tracks each response window and submits before it closes, no matter which acquiring bank is behind your account.
Key Benefits
Unified queue
Every Zen Payments dispute appears next to your other processors in one workspace.
High-risk-ready evidence
Packages account for the extra scrutiny high-risk merchant accounts attract.
Deadline tracking
Response windows are flagged and timed automatically.
Zero upfront cost
Success-fee pricing; you pay only a share of recovered disputes.
Questions?
we’ve got answers.
Chargeflow ingests dispute data from your Zen Payments account and manages evidence and responses from one place.
Zen Payments offers chargeback protection programs. Chargeflow builds on that by assembling and submitting the evidence per case automatically.
Yes, Chargeflow adapts to the reason codes and formats used by whichever acquiring bank processes your account.
Yes, including CBD, adult services, subscriptions, travel, and supplements.
Success-based pricing only, with no upfront fee.
need more help?
Need help deciding which solution is right for your business? Have a unique use case, such as a high transaction value, or simply want to learn more about Chargeflow? Schedule a short call with us to find out if it is a good fit for you.
Experience Speaks For All.
eCommerce brands, SaaS, and Enterprise companies.
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Integrate Zen Payments
