Training Example: ZEN.COM – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H2] Get a ZEN cardin the app.

It's easy in our app.Your virtual card will be ready instantly.

Scan to get the app

[H2] Download
ZEN.COM app
Register in minutes.
Start with your app store.

Scan to download

AppStore

Google Play

Huawei AppGallery

[IMG: Lionel Messi]

[IMG: Mastercard]

[H1]
Big savings foreveryday shopping

Lionel Messi
Official Mastercard Ambassador

App that makes every payment cheaper, safer & more rewarding. In any currency.

App Store: 4.8 ★

TRY FOR FREE FOR 30 DAYS

Google Play: 4.8 ★

Shopping

[H2]
Meet your new shopping tools.

SHOPPING CARD

[H3]
Save on everything you buy. And protect it, too.

Close

ZEN SHOPPING CARD

[H3]
Save on everything you buy. And protect it, too.

Don’t change your bank. Change your card. Your old costs you money. ZEN saves on cashback, rewards, and protection.

SEE MORE

UPGRADE YOUR CARD

INSTANT CASHBACK

[H3]
500+ discounts built into your card and app.

Close

INSTANT CASHBACK

[H3]
500+ discounts built into your card and app.

Instant. No thresholds, no payout requests. Top rates, regularly boosted. Stacks with other promotions.

SEE MORE

START BROWSING DEALS

35 CURRENCIES

[H3]
Shop like a local with the best rates.

Close

35 CURRENCIES

[H3]
Shop like a local with the best rates.

No converting, no thinking, no math. Just pay - ZEN adjusts on the fly with the best rates and no hidden fees.

SEE MORE

PAY AND SHOP ANYWHERE

REWARD ZONE MONEYBACK

[H3]
Earn money & rewards on every purchase.

Close

REWARD ZONE MONEYBACK

[H3]
Earn money & rewards on every purchase.

Every transaction gives you some money back or bonus rewards. Save up to €20+ a month. Your old bank card can't do that.

SEE MORE

SAVE ON EVERY PURCHASE

WARRANTY ON ELECTRONICS

[H3]
Two extra years with zero extra cost.

Close

ELECTRONICS WARRANTY

[H3]
Two extra years with zero extra cost.

Electronics love to break right after warranty? Not your problem anymore. No extra cost, no device limit.

SEE MORE

PROTECT YOUR GEAR

ZEN CARE

[H3]
Ultimate protection for everything you buy.

Close

[H3]
Ultimate protection for everything you buy.

Wrong product? Dodgy seller? Hotel not as advertised? No worries - ZEN steps in to help reclaim your money.

SEE MORE

TURN ON SAFE SHOPPING

ZEN CASHCARD

[H3]
Turn cash into digital giftcards.

Close

[H3]
Turn cash into digital giftcards.

Pick a value, buy a code, pay online. No bank account needed, no personal data shared. Simple, private, instant.

SEE MORE

BUY YOUR CASHCARD

[H2]
Get it on your phone.

[IMG: Download on the App Store]

[IMG: Get it on Google Play]

INSTALL AND SHOP SMARTER

How much you will save?
Average user saves about €41 a month.Get your estimate in EUREURPLN in seconds

1/4
How much do you spend on online shopping each month?

0 €

Start over
GO TO QUESTION 2

2/4
How much do you spend each month? Online & Offline.

0 €

Start over
GO TO QUESTION 2

3/4
How many times a year do you buy electronics?

0 €

Start over
GO TO QUESTION 2

4/4
How many times do you pay in a foreign currency or make an international transfer each year?

0 €

Start over
GO TO QUESTION 2

Your estimated savings:
€0

INSTALL ZEN AND START SAVING!
INSTALL ZEN AND START SAVING!

[IMG: ZEN Card]

[IMG: Wallet]

[IMG: Live better]

[H2] So much for so little.

App Store

For around 10 PLN a month it feels loaded. I kept waiting for a catch, but it just works.
Anna

[IMG: ZEN Card]

[IMG: Travel]

[H2] Absolute freedom of travel.

Google Play

One card for trips. I stopped thinking about currencies because it handles it automatically.
Julia

[IMG: ZEN Card]

[IMG: ZEN Card]

[IMG: Sakwa]

[H2] Lots of savings.

Trustpilot

Cashback + reward zone actually adds up. After two days it basically paid for itself.
Igor

[IMG: ZEN Card]

[H2] No bank switch.

App Store

Finally an app that doesn't force you to switch banks. Works alongside my bank card, no hassle.
Luca

[IMG: Euro]

[IMG: Bitcoin]

[H2] Everything in one place.

Google Play

I move funds between crypto, my investment platform, and daily spending through ZEN. The transfer options are great.
Felix

[IMG: Gamepad]

[H2] This is how warranty should work.

Trustpilot

Two extra years on electronics without paying extra at checkout is crazy. Saved me a lot already
Peter

[IMG: Heart]

[IMG: Heart]

[H2] ZEN Care helpedwhere no one else could.

App Store

My concert got cancelled and the organizer was useless. ZEN helped me get my money back fast.
Sofia

DOWNLOAD THE ZEN.COM APP

[IMG: ZEN]

has been featured on:

[IMG: Forbes]

[IMG: Business Insider]

[IMG: Yahoo Finance]

[IMG: Finextra]

[IMG: The Paypers]

[IMG: EU-Startups]

[IMG: 15min.lt]

[IMG: vz.lt]

[IMG: tv3.lt]

[H2]
Licensed By:

[H3]
United Kingdom

[H3]
Lithuania

[H3]
Singapore

[H3]
Ukraine

[H3]
Hong Kong

[IMG: QR code]

SEE FOR YOURSELF

[H2]
Ready to get paid for shopping?
Ready to get paid for shopping?
It takes 3 minutes to set up. After that, every purchase pays you back.
It takes 3 minutes to set up. After that, every purchase pays you back.

[IMG: Download on the App Store]

[IMG: Get it on Google Play]

[H1]
Virtual Credit Cards by ZEN.COM

Issue Virtual Cards at scale, globally
Issue Mastercard virtual cards in 35 currencies with merchant lock, 3D Secure, and per-card spend limits.

GET IN TOUCH

For Travel & OTAs

HOTELS
AIRLINES
RAIL

[IMG: ZEN.COM]

For e-commerce shopping

AMAZON
ETSY
WIX
SHOPIFY

[IMG: ZEN.COM]

For International Transaction

USD
EUR
GBP
JPY
CHF
+ 30 ...

[IMG: ZEN.COM]

For subscription management

SaaS
MEDIA
UTILITIES

[IMG: ZEN.COM]

For corporate expenses

TEAMS
PROJECTS
VENDORS

[IMG: ZEN.COM]

35 Currencies supported

Competitive Interchange rebate

<1s Card issuance time

Why ZEN.COM
Why ZEN.COM
[H2] Virtual cards built for scale and control

[H2] Virtual cards built for scale and control
Six features that make virtual card issuing work at business scale.
Six features that make virtual card issuing work at business scale.

[H3] MASTERCARD NETWORK

MASTERCARD NETWORK
ZEN.COM issues on the Mastercard network. Your cards are accepted anywhere Mastercard is, with competitive interchange rates.

[H3] INTERCHANGE REBATES

INTERCHANGE REBATES
Earn competitive interchange rebates on every card issued. Your payment volume becomes a source of revenue from day one.

[H3] 35 CURRENCIES

35 CURRENCIES
Hold and transact in 35 currencies. Issue a card in the exact currency of each supplier, matching how your counterparties prefer to be paid.

[H3] INSTANT SETTLEMENT

INSTANT SETTLEMENT
If you use ZEN.COM's payment gateway, settled funds are available immediately after each card payment. No overnight batches. Put your revenue to work straight away.

[H3] SINGLE-USE & MULTI-USE CARDS

SINGLE-USE & MULTI-USE CARDS
Issue single-use cards that expire after one transaction, or multi-use cards for ongoing spend. Both virtual and physical, across debit and prepaid programmes.

[H3] SPEND CONTROLS ON EVERY CARD

SPEND CONTROLS ON EVERY CARD
Lock each VCC to a specific merchant, set precise spend limits, or configure a single-use card that expires after one transaction. Full control from day one.

GET IN TOUCH

[H1] Virtual Credit Cards

[H2]
One virtual card platform for every business purpose

A VCC is a digitally generated card you issue on demand. Unlimited cards, full control.

GET IN TOUCH

[H2]
From digital advertising to OTA bookings, VCCs fit every use case your business needs.

[H2] TRAVEL & OTA’s
Pay hotels, airlines, and car rentals with single-use VCCs locked to the exact booking amount. Reduce chargebacks and supplier fraud risk.

[H2] ECOMMERCE & MEDIA BUYING
Fund Google Ads, Meta, TikTok, and programmatic platforms with dedicated VCCs per account. Earn interchange rebates on every dollar spent.

[H2] CORPORATE EXPENSES
Replace petty cash and shared cards. Issue employee VCCs with per-category limits and automatic expiry after each trip or project.

[H2] INTERNATIONAL TRANSACTIONS
Pay global vendors in USD, EUR, GBP, and more. Mastercard network acceptance at 150M+ merchants worldwide.

LET’S BUILD YOUR CARD

[H1]
Industry Solutions

We build the right VCC setup for every type of business
Six features that make virtual card issuing work at business scale.

Travel & OTAs
E-commerce & Subscriptions
Corporate & B2B Payments

Pay suppliers the moment a booking is confirmed.
Online travel agencies and booking platforms need to pay hotels, airlines, and ground operators quickly and securely. ZEN.COM VCCs are generated per-booking, matched to the exact supplier and amount.

Issue one VCC per hotel/airline booking in under a second

Lock card to exact supplier and booking amount. Zero overspend risk

Multi-currency cards in supplier's billing currencyMulti-currency cards in supplier's billing currency

Reconciliation reports for clean back-office posting

Direct issuance with no intermediary markup

Booking flow snapshot

Booking flow snapshot
Guest books hotel
Booking confirmed

VCC issued
< 1 second

Card limit
Exact booking value

Merchant lock
Competitive

Interchange rebate
Competitive

Reconciliation
Dashboard + export
GET IN TOUCH

Secure your purchases and manage every subscription with zero exposure.
E-commerce businesses, affiliate marketers, and SaaS platforms use VCCs to separate spend by vendor, manage recurring subscriptions, and protect against fraud, without exposing primary company accounts.

Dedicated VCC per vendor. One compromise doesn't touch the rest

Affiliate marketing: one VCC per offer, per network, or per ad account

Recurring card configuration for subscription platforms and ad spend

Cancel or freeze a card in seconds. No chargeback exposure

Digital wallet integration for online checkout

Manage hundreds of active cards from one dashboard

Subscription management

Subscription management
Netflix / Spotify spend
Dedicated VCC

Google Ads
Dedicated VCC

Meta Ads
Dedicated VCC

Unwanted renewal?
Cancel card in seconds

Cards manageable
Unlimited

Reporting
Per-card & consolidated
GET IN TOUCH

Empower teams with controlled spend, without the admin.
Replace slow procurement processes and physical corporate cards with instant VCCs. Set budgets per team, project, or employee, and get full visibility in real time.

Issue VCCs per employee, department or project in seconds

Set hard spend limits. Cards decline when the limit is reached

Real-time transaction visibility across all card

No prepayment lock-up. Flexible direct funding options available

Corporate card overview

Corporate card overview
Marketing team
12 active VCCs

Operations
8 active VCCs

Budget enforcement
Hard limit per card

Overspend incidents
0. Card declines

New card issuance
< 1 second
GET IN TOUCH

Security
[H2]
Security controls on every virtual card

VCCs are designed to be more secure than physical cards. ZEN.COM adds merchant lock, per-card spend limits, 3D Secure, and instant freeze on top.

[H2] SINGLE-USE & MERCHANT LOCK
Every card can be configured for single-use only or locked to a specific merchant MCC. This prevents unauthorised use even if card data is intercepted.

[H2] REAL-TIME SPEND CONTROLS
Set precise spend limits per card. Any transaction exceeding the limit is declined automatically. No chargebacks, no manual intervention.

[H2] DIGITAL WALLET MAGEMENT
Track all active cards, transaction history, and balances from a single dashboard, with full audit trail for compliance.

[H2] 3D’s & ENHANCED AUTHENTICATION
3D Secure authentication on every card. Additional layers of verification confirm only authorised transactions go through, protecting both you and your counterparties.

[H2] INSTANT FREEZE & REVOKE
Freeze or cancel any card in real time from the dashboard. No waiting for a physical card to be replaced.

[H2] FULL COMPLIANCE & AUDIT TRAIL
Every card issuance, transaction, and status change is logged with timestamps. Full authorisation and settlement data available for compliance reporting.

How it works
[H2]
Virtual cards built for scale and control

Six features that make virtual card issuing work at business scale.

[H2] 1CREATE YOUR ZEN.COM ACCOUNT

+

[H2] CREATE YOUR ZEN.COM ACCOUNT
Sign up online, complete KYB verification, and link your funding account. We hold the card-issuing licence, so you don't need one of your own.Minutes to sign UP
-

[H2] 2SET UP TOUR CARD PROGRAMME

+

[H2] SET UP TOUR CARD PROGRAMME
Configure your card types, spend rules, and currencies in the ZEN.COM platform. Our team guides you through the setup. No technical expertise required.Guided onboarding
-

[H2] 3ISSUE YOUR FIRST VIRTUAL CARD

+

[H2] ISSUE YOUR FIRST VIRTUAL CARD
Issue cards directly from the ZEN.COM dashboard. Set the card type, currency, spend limit, expiry, and merchant lock in a few steps. Card ready in under one second.<1 SECOUND ISSUANCE
-

[H2] 4TRACK, REPORT & EARN RABATES

+

[H2] TRACK, REPORT & EARN RABATES
Monitor all cards and transactions in real time from your dashboard. Export reconciliation reports. Freeze, cancel, or update card limits in seconds. All from one place.Competitive interchange rebate
-

GET IN TOUCH

[H1]
Multi-Currency

Multi-currency virtual cards across 35 currencies
Issue cards and settle in the currency of your choice. Across 35 currencies, globally.

PAY SUPPLIERS IN THEIR LOCAL CURRENCY
Issue a card in EUR for a European hotel, USD for a US airline. No conversion, no hidden margin. Your suppliers receive payment in their preferred currency.

INTERNATIONAL TRANSACTION
Transact globally in the local currency of each merchant or supplier. No manual conversion needed on your end.

MANAGE GLOBAL SPEND IN ONE PLACE
Consolidated reporting across all currencies. See your total exposure, card balances, and transaction history regardless of which currency each card operates in.

GET IN TOUCH

[H2] Frequently Asked Questions

What is a virtual credit card (VCC)?

A virtual credit card is a digitally generated payment card with a unique card number, CVV, and expiry date. It is issued in seconds with no physical card. VCCs are used for secure online payments, B2B supplier payments, and corporate spend management. They can be locked to specific merchants, capped to exact spend limits, and cancelled in seconds when no longer needed.

What sets ZEN.COM's virtual cards apart?

ZEN.COM offers Mastercard virtual card issuance, 35 currencies, competitive interchange rebates, and unified reporting from a single portal. All in one place, with transparent pricing.

Can I get a virtual credit card without linking a bank account?

To issue a VCC, you need a funded ZEN.COM account. We offer flexible funding options including direct bank transfers and credit facilities for qualified businesses. Contact our team to discuss the right funding model for your use case.

Are there any hidden costs with ZEN.COM VCCs?

We earn revenue from interchange, not from fees charged to you. Pricing is fully transparent, with no separate charges for FX transactions, international transfers, or portal access. Full pricing terms are agreed during onboarding, before you issue your first card.

How can I manage multiple virtual cards?

Through the ZEN.COM dashboard you can view all active cards, filter by type, merchant, currency, or date range, and export transaction data. Freeze, cancel, update limits, or issue new cards in bulk. All from one centralised platform.

How quickly can we go live with ZEN.COM VCCs?

Most businesses go live within days of completing KYB verification. Once your account is approved and funded, your first VCC can be issued in under one second.

[H2]
Let's build
your card.
Tell us about your audience. We'll show you what their card could look like.

[H1] International multi-currency account

One account. 35 currencies.

Open a multi-currency account online and manage all your currency accounts in the ZEN.COM app. Simple and convenient.

Create your ZEN account

[IMG: Download on the App Store]

[IMG: Get it on Google Play]

[H3] THE RIGHTCURRENCY WHENYOU NEED IT.

Store, pay and withdraw the currency you need – anytime, anywhere.
Whether you’re travelling, supporting family abroad or paying loans and commitments overseas.We’ll help keep your finances simple and stress-free.

[H3] HIGHLIMITS ONFREE ATM WITHDRAWALS ABROAD– IN PRO AND PLATINUM PLANS.

Prefer paying in cash when you’re abroad?Withdraw up to 800 EUR in cash per month for free with the ZEN Pro plan.Need more?After the free limit, we offer some of the most competitive fees on the market.Compare available offers and discover the difference.

[H3] Exchangecurrencies atcompetitiverates.

No need to take our word for it. Check our currency calculator and compare exchange rates with other providers.

[H3] Free multi-currency card

You can freeze and unfreeze it anytime, directly in the app.Also available with local variants, so ATMs treat your card like a local one.

[H3] Free instant transfers with no limits

Send money locally and internationally. Both standard and instant ELIXIR and SEPA transfers are available in the ZEN Pro plan, at no cost.

Pay easily with a multi-currency card, and withdraw cash from ATMs wherever you are. Make international SEPA and SWIFT transfers, and card-to-card transfers. There are so many ways to move your money.
Create your ZEN account

[H2] Get a ZEN cardin the app.

It's easy in our app.Your virtual card will be ready instantly.

Scan to get the app

[H2] Download
ZEN.COM app
Register in minutes.
Start with your app store.

Scan to download

AppStore

Google Play

Huawei AppGallery

[IMG: Lionel Messi]

[IMG: Mastercard]

[H1]
Big savings foreveryday shopping

Lionel Messi
Official Mastercard Ambassador

App that makes every payment cheaper, safer & more rewarding. In any currency.

App Store: 4.8 ★

TRY FOR FREE FOR 30 DAYS

Google Play: 4.8 ★

Shopping

[H2]
Meet your new shopping tools.

SHOPPING CARD

[H3]
Save on everything you buy. And protect it, too.

Close

ZEN SHOPPING CARD

[H3]
Save on everything you buy. And protect it, too.

Don’t change your bank. Change your card. Your old costs you money. ZEN saves on cashback, rewards, and protection.

SEE MORE

UPGRADE YOUR CARD

INSTANT CASHBACK

[H3]
500+ discounts built into your card and app.

Close

INSTANT CASHBACK

[H3]
500+ discounts built into your card and app.

Instant. No thresholds, no payout requests. Top rates, regularly boosted. Stacks with other promotions.

SEE MORE

START BROWSING DEALS

35 CURRENCIES

[H3]
Shop like a local with the best rates.

Close

35 CURRENCIES

[H3]
Shop like a local with the best rates.

No converting, no thinking, no math. Just pay - ZEN adjusts on the fly with the best rates and no hidden fees.

SEE MORE

PAY AND SHOP ANYWHERE

REWARD ZONE MONEYBACK

[H3]
Earn money & rewards on every purchase.

Close

REWARD ZONE MONEYBACK

[H3]
Earn money & rewards on every purchase.

Every transaction gives you some money back or bonus rewards. Save up to €20+ a month. Your old bank card can't do that.

SEE MORE

SAVE ON EVERY PURCHASE

WARRANTY ON ELECTRONICS

[H3]
Two extra years with zero extra cost.

Close

ELECTRONICS WARRANTY

[H3]
Two extra years with zero extra cost.

Electronics love to break right after warranty? Not your problem anymore. No extra cost, no device limit.

SEE MORE

PROTECT YOUR GEAR

ZEN CARE

[H3]
Ultimate protection for everything you buy.

Close

[H3]
Ultimate protection for everything you buy.

Wrong product? Dodgy seller? Hotel not as advertised? No worries - ZEN steps in to help reclaim your money.

SEE MORE

TURN ON SAFE SHOPPING

ZEN CASHCARD

[H3]
Turn cash into digital giftcards.

Close

[H3]
Turn cash into digital giftcards.

Pick a value, buy a code, pay online. No bank account needed, no personal data shared. Simple, private, instant.

SEE MORE

BUY YOUR CASHCARD

[H2]
Get it on your phone.

[IMG: Download on the App Store]

[IMG: Get it on Google Play]

INSTALL AND SHOP SMARTER

How much you will save?
Average user saves about €41 a month.Get your estimate in EUREURPLN in seconds

1/4
How much do you spend on online shopping each month?

0 €

Start over
GO TO QUESTION 2

2/4
How much do you spend each month? Online & Offline.

0 €

Start over
GO TO QUESTION 2

3/4
How many times a year do you buy electronics?

0 €

Start over
GO TO QUESTION 2

4/4
How many times do you pay in a foreign currency or make an international transfer each year?

0 €

Start over
GO TO QUESTION 2

Your estimated savings:
€0

INSTALL ZEN AND START SAVING!
INSTALL ZEN AND START SAVING!

[IMG: ZEN Card]

[IMG: Wallet]

[IMG: Live better]

[H2] So much for so little.

App Store

For around 10 PLN a month it feels loaded. I kept waiting for a catch, but it just works.
Anna

[IMG: ZEN Card]

[IMG: Travel]

[H2] Absolute freedom of travel.

Google Play

One card for trips. I stopped thinking about currencies because it handles it automatically.
Julia

[IMG: ZEN Card]

[IMG: ZEN Card]

[IMG: Sakwa]

[H2] Lots of savings.

Trustpilot

Cashback + reward zone actually adds up. After two days it basically paid for itself.
Igor

[IMG: ZEN Card]

[H2] No bank switch.

App Store

Finally an app that doesn't force you to switch banks. Works alongside my bank card, no hassle.
Luca

[IMG: Euro]

[IMG: Bitcoin]

[H2] Everything in one place.

Google Play

I move funds between crypto, my investment platform, and daily spending through ZEN. The transfer options are great.
Felix

[IMG: Gamepad]

[H2] This is how warranty should work.

Trustpilot

Two extra years on electronics without paying extra at checkout is crazy. Saved me a lot already
Peter

[IMG: Heart]

[IMG: Heart]

[H2] ZEN Care helpedwhere no one else could.

App Store

My concert got cancelled and the organizer was useless. ZEN helped me get my money back fast.
Sofia

DOWNLOAD THE ZEN.COM APP

[IMG: ZEN]

has been featured on:

[IMG: Forbes]

[IMG: Business Insider]

[IMG: Yahoo Finance]

[IMG: Finextra]

[IMG: The Paypers]

[IMG: EU-Startups]

[IMG: 15min.lt]

[IMG: vz.lt]

[IMG: tv3.lt]

[H2]
Licensed By:

[H3]
United Kingdom

[H3]
Lithuania

[H3]
Singapore

[H3]
Ukraine

[H3]
Hong Kong

[IMG: QR code]

SEE FOR YOURSELF

[H2]
Ready to get paid for shopping?
Ready to get paid for shopping?
It takes 3 minutes to set up. After that, every purchase pays you back.
It takes 3 minutes to set up. After that, every purchase pays you back.

[IMG: Download on the App Store]

[IMG: Get it on Google Play]