ZENOBIA PAY

Zenobia Pay enables luxury brands and jewelers to accept pay-by-bank.

We've built an instant clearing pay-by-bank network with bundled fraud insurance that costs 3 times less in fees than credit card processing.

Zenobia is pay-by-bank

A new payment option

Zenobia Pay is a new payment flow. Accept bank transfers as payments without dealing with bank account numbers.

Mobile flow

Zenobia Pay is already available on your iPhone, no app download required. Point your camera at your laptop screen to pay directly from your bank account.

3x cheaper payments

Credit card processing fees average 3% of transaction value. Zenobia Pay charges 1%.

Zenobia is for resellers

Identity + metadata

Zenobia uses purchase metadata to serve as digital proof of purchase for the entire lifespan of luxury goods.

Verification royalties

Digitally authenticated goods sell for more in resale markets, in exchange for royalties back to the original brand.

Fraud Protection

Bank account payments allow more comprehensive blocking and banning of bad actors in resale markets.

Zenobia is for bot protection

Mobile flow

Mobile flow is crypotgraphically signed to the device itself, ensuring only the device that connected the bank account can pay.

Pay by bank

Bank accounts are significantly harder to spoof, steal, or amass than card numbers.

Conditional payments

If you have a custom ruleset you want to deploy (early access, tiered release), we can add that at the point of sale.

HOW IT WORKS

  • No app download required
  • No signup
  • Link your bank account, hit pay, and you're done.

FAQ

  • Zenobia Pay works by allowing luxury merchants to accept pay-by-bank.

    Our platform uses ACH to pull funds out of the customer's account.
    These funds are sent to a beneficiary account for the merchant.
    We push the funds using FedNow with T+2 settlement to your payout account.

    Our platform provides instant clearance on ACH bank transfers without merchants having to worry about ACH returns or fraud.
    This eliminates credit card processing fees, while providing a seamless checkout experience for high-value transactions.
  • Absolutely. Zenobia Pay uses Plaid to connect bank details using OAuth, and refresh tokens are stored in a secure enclave on the device itself.

    Zenobia Pay also uses device hardware signing and biometric authentication to ensure that payments are authorized from the same device.

    We regularly conduct penetration tests to ensure that your data remains secure. We follow security best practices and encrypt all data at rest and in transit.
  • Customer initiated returns for reasons "account stolen", "transaction not authorized", or "fraud" are covered by Zenobia Pay. Merchants are not liable for these tyypes of fraud or their related ACH-returns.

    Fraud guarantee does not cover disputes for the following reasons:

    • Item did not arrive
    • Item arrived damaged or defective
    • Wrong item received (e.g. wrong size, color, or product)
    • Item not as described (e.g. materially different from listing/photos)
    • Merchandise or service not rendered as promised (e.g. service canceled or incomplete)

    Zenobia Pay also works to eliminate friendly fraud. We partner with a small group of high-end merchants, and we know that false chargebacks are a huge problem. Unlike credit card processors who have millions of merchants, we manually review every dispute and promise sane resolution for merchants on Zenobia Pay.
  • Yes! Merchants can easily refund customers from the Zenobia Pay dashboard. Customers will receive a refund within 3 days.