How long does it take to process my account top-up?

Most top-ups to your ZEN account arrive within seconds. In some cases, it can take longer depending on the payment method or additional checks.

Standard processing times

Top-ups are usually instant once your payment provider (for example, your bank or card issuer) confirms the transaction.

If your top-up is taking longer than expected

If your top-up isn't completed yet, here’s what to check first:

1. Make sure the top-up was accepted by your payment method. Some methods require extra confirmation, such as a code sent to your phone, email, or a notification from your bank.
2. Double-check the details you entered, such as the card number.
3. Open the ZEN.COM app and review the top-up status in your transaction history.

If your top-up shows as "Pending" or "In progress", it means it’s still being processed and should arrive once the process is complete. Learn more: How to check top-up status

Why a top-up might take longer

Some top-ups need extra checks before they’re completed. This helps protect your money and prevent fraud. This can happen if:

• Additional security or anti-fraud checks are needed
• Compliance verification is required
• Some transaction details are missing or incorrect

This may add extra working days to the processing time. Learn more: Why do I see "Unlock your transaction" in my ZEN.COM app?

Still haven’t received the funds?

If the top-up wasn’t completed, see: My top-up has failed

See also:

• What are the limits of top-ups?
• I don't see a particular top-up method in my app