Zeno Payments 2023: Card Processing Reviews & Complaints

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Zeno Payments Rating
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image of a phone image of a phone that changes when your mouse hovers over it (800) 421-9366 View Pricing

Company Overview

Founded in 2012, Zeno Payments is a merchant account provider that serves both standard-risk and high-risk businesses. The company is particularly focused on providing payment processing services for collections agencies, which are historically considered very high-risk by payment processors.

Zeno Payments Payment Processing

Zeno Payments processes all major debit and credit cards for high-risk merchants. Their services include e-commerce payments, ACH, and web design.

E-Commerce Solutions from Zeno Payments

In addition to in-person transactions, Zeno Payments also supports e-commerce businesses. They provide an online payment gateway, which allows companies to securely process transactions over the internet.

POS Systems by Zeno Payments

For businesses operating from physical locations, Zeno Payments provides Point of Sale (POS) systems. These systems enable efficient in-store transactions, from processing card payments to tracking sales data.

Zeno Payments’ Fraud Protection Measures

Zeno Payments acknowledges the risks associated with electronic transactions and, thus, implements fraud protection measures. These features are designed to prevent unauthorized transactions and protect businesses from potential financial losses.

Location & Ownership

Zeno Payments is headquartered at 15620 NE Woodinville Duvall Pl Woodinville, Washington 98072, and does not list its acquiring bank. Kris Munroe is the president of Zeno Payments.

Table of Contents

Zeno Payments Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A
Recent Lawsuits No

No Public Complaints

We are currently unable to locate any Zeno Payments reviews that accuse the company of being a ripoff or a scam. This seems to indicate that Zeno Payments employs a proactive and available customer support team. If you have your own Zeno Payments review to make, please do so in the comments below.

Zeno Payments Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Zeno Payments. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Zeno Payments Customer Support Options

The Zeno Payments website provides general phone and email contact information but does not list a dedicated customer support number. We will award Zeno Payments an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

Zeno Payments Customer Service Numbers

  • (800) 421-9366 – Toll-Free Support
  • (425) 949-1336 – Local Office
  • (425) 485-6411 – Fax

Other Support Options

Zeno Payments Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 0

Clean Complaint Record

Zeno Payments (as “Zeno Tools, LLC”) has an “A+” rating with the Better Business Bureau and is not BBB accredited. The company has not received any complaints in the past three years. It also has not received any informal reviews.

An “A” Performance

Given the company’s clear complaint record, we agree with the BBB’s rating at this time. Business owners should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

Zeno Payments Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties Unclear
Monthly & Annual Fees Unclear
Processing Rates Unclear
Equipment Leasing Unclear

Zeno Payments Contract Terms

There is no publicly available information about the standard Zeno Payments rates or contract at this time. It is likely that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history. The company’s wide range of preferred client types means that it could offer long-term equipment leases for certain merchants’ needs.

High-Risk, High Fees

Zeno Payments’ focus on hard-to-place industries increases its exposure to chargebacks and regulatory hazards. To compensate for this elevated level of risk, the company and its banking partners may charge higher-than-average per-transaction fees and require the establishment of a cash reserve. This is a common practice within the payment processing industry, and businesses operating in high-risk spaces should be prepared to receive rate quotes in excess of 5%.

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific pricing. It is unlikely that Zeno Payments’ contract terms are competitive with the cheapest merchant accounts.

We also encourage business owners to check out our list of the providers of the best merchant accounts.

Zeno Payments Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers No
Telemarketing Possible
Misleading Marketing No
Discloses All Important Terms No

Inside/Outside Sales Team

Zeno Payments appears to rely on a combination of independent resellers and in-house staff to market its services. There is no evidence at this time indicating that the company employs a large team of independent sales agents, and we are unable to locate any Zeno Payments reviews that report unethical behavior by the company’s sales staff.

This compares favorably to our list of best credit card processors.

No Misleading Quotes

Zeno Payments does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that Zeno Payments is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Our Zeno Payments Review Summary

Our Final Thoughts

According to all available information, Zeno Payments rates as a dependable credit card processing provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, but its clean complaint record is a very positive sign. Even when dealing with companies that rate highly by our standards, we urge business owners to thoroughly examine the terms of any contract they are given and to compare its pricing to top merchant accounts for collection agencies.

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Your Comments & Reviews

How Did Zeno Payments Treat You?

1 Responses

  • Jesus Beatrice

    I just had to share my incredible experience with Zeno Payments! As a small business owner, managing transactions has always been a challenge, but Zeno Payments changed the game for me. Their seamless platform and user-friendly interface made accepting payments from my clients a breeze. No more headaches or delays; it’s all streamlined now!

    The security measures they have in place gave me peace of mind, knowing that my customers’ data is safe and protected. Plus, their customer support team was top-notch! Whenever I had a question or needed assistance, they were prompt, knowledgeable, and incredibly helpful.

    Thanks to Zeno Payments, my cash flow has improved, and I can focus more on growing my business. I highly recommend Zeno Payments to any business owner looking for a reliable and efficient payment processing solution. They truly exceeded my expectations!

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