✦ Crypto payment gateway
High-risk payment processing at 0.1%
Take crypto payments at a flat 0.1% with instant on-chain settlement, zero chargebacks, and a sign-up that works for any industry category.
0.1% fee
per transaction
Setup
Email-only, < 2 minutes setup
Approval process
None required
Chargebacks
Zero
What high-risk merchants keep at 0.1%
What makes Zeno different for high-risk merchants
Traditional processors charge 5% to 15% because they absorb your risk, chargebacks, and reserves. Zeno works differently. The 0.1% fee covers a single action: routing a payment from the customer's blockchain wallet to yours. Because the flow routes directly between blockchain wallets outside the traditional merchant-account model, the fee stays the same across every industry.
The practical implications for a high-risk merchant:
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Your funds land in your wallet the moment each payment confirms on-chain.
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In non-custodial mode, you hold the private keys, which means only you have authority over the funds in your wallet.
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The 0.1% fee stays flat regardless of your industry, chargeback history, or transaction volume.
Accept Payments Online in 3 Easy Steps
1. Create Your Zenobank Account
Create your free account at dashboard.zenobank.io
2. Install a plugin, or integrate directly with our API
Connect through a plugin for WooCommerce, Shopify, and other platforms, or integrate directly using our SDKs and API.
3. Get Your API Key
In the dashboard, go to Developer and copy your API key.
Paste it into the plugin setting or use it via the API.
Depending on your integration, paste it into your plugin settings or use it directly in your code.
Pricing
Transparent Fees
"Is it too good to be true?" — Let's talk about the "catch."
Let’s be honest: We are cheap, but we aren’t low quality. This gateway isn’t our primary business model. We are building a full-scale Crypto Bank, and this tool is our “Welcome Card” to you.
How Zeno compares
| Dimension | Traditional high-risk processor | Zeno |
|---|---|---|
| Fee per transaction | 5% to 15% | 0.1% flat |
| Rolling reserves | 5% to 25%, held for 6 months | None |
| Application process | Underwriting, 1 to 4 weeks | Email signup, 2 minutes |
| Chargeback liability | Often paid by merchant | Final on-chain |
| Account closure risk | Ongoing | Funds sit in a wallet you control |
| Industry approval | Case by case | Open to every category |
On a business processing $100,000 a month, the fee delta between a 10% high-risk rate and Zeno’s 0.1% works out to roughly $9,900 a month that stays with your business.
FAQs
Everything you need to know before getting started
No. Zeno works with businesses across every industry category, including the high-risk categories traditional processors commonly decline. If your business is legally operating in your jurisdiction, you can create a Zeno account with an email and start accepting payments the same day. The signup flow is identical regardless of industry.
In non-custodial mode, no. Your funds settle directly to a wallet you control with private keys in your possession
Rolling reserves don't apply on Zeno. Traditional processors hold a percentage of your revenue in reserve to cover potential chargebacks, which can lock up 5% to 25% of your income for up to 6 months. Since Zeno payments settle directly on-chain with no chargeback mechanism, the architecture makes reserves unnecessary.
Signing up only requires an email address. Some advanced features may require additional information, but the core payment flow activates the moment you confirm your email. This is fundamentally different from traditional merchant account underwriting, where application forms, financials, and industry-specific disclosures can delay onboarding by weeks.
Crypto revenue is taxed the same as any other business revenue in most jurisdictions. Zeno provides full transaction records that integrate with standard accounting software, so you report the fiat value of each payment at the time of receipt. Local rules for your industry are worth confirming with a tax professional.
Most customers in high-risk categories already pay in crypto if you serve a global or privacy-conscious base. For customers newer to crypto, Zeno's hosted checkout works with every major wallet and uses the same QR code format most buyers recognise from exchange apps and wallet providers.
Yes. Zeno sits as a payment option alongside your existing processors, so you can continue card processing and use Zeno for customers who prefer crypto or for international transactions. Many high-risk merchants run both in parallel to give customers choice while reducing dependence on any single provider.
Most merchants accept their first payment within a few hours of signup. The timeline is signing up with email (2 minutes), adding Zeno to your checkout (5 to 30 minutes depending on the integration method), and going live. The moment a customer pays, funds appear in your wallet within seconds.
Accept payments without the approval process
Create your Zeno account with your email and take your first payment in minutes, regardless of your industry or chargeback history.
Team
Hugo Pino —
founder of the zenobank
The only time I leave my house is to go to the gym
Built a decentralized exchange that reached $27M in deposits.
I got a UAE Golden Visa for my work in Web3
