A ZEN virtual card is available right away, so you can start paying without waiting for a physical card to arrive. You can use it for online payments or add it to Apple Wallet, Google Pay, Garmin Pay, or Xiaomi Pay and pay wherever you are, in-store or online.
It works like a regular card, just without the plastic. This makes it a quick and flexible option when you want to start using your card immediately.
How much does a virtual card cost?
The cost of a ZEN virtual card depends on your subscription plan. In some plans, your first virtual card is free. In others, you can get several virtual cards at no cost.
If you remove a virtual card from your ZEN account, it still counts toward the number of used free virtual cards included in your plan.
If a card issuance fee applies, it is always shown in the app and charged automatically when you order the card.
Virtual card fees by plan
| ZEN Plan | Free | Gold | Platinum | Pro | Smart (Business) | Enterprise (Business) |
|---|---|---|---|---|---|---|
| Ordering a virtual card |
First virtual card - no fee Subsequent - 5 EUR |
First virtual card - no fee Subsequent - 5 EUR |
3 virtual cards - no fee Subsequent - 5 EUR |
3 virtual cards - no fee Subsequent - 5 EUR |
First virtual card - no fee Subsequent - 5 EUR |
3 virtual cards - no fee Subsequent - 5 EUR |
Ordering a virtual card
You can order a virtual card directly in the ZEN.COM app. The card becomes available immediately after ordering, so you can start using it right away. For step-by-step instructions, see How to order a virtual ZEN card