Skip to main content
  • What is a virtual card?

    Answer

    ZEN virtual card is a card that will be available immediately, with no unnecessary waiting. You can use it for online payments or add it to your Apple Wallet or Google Pay and enjoy transactions wherever you are.

    The number of virtual cards you can add at no extra cost depends on your subscription. You can check the details here (Individual Client) or here (Business Client).

    See also: Order a virtual card

  • What is a physical card?

    Answer

  • What benefits I get when I use ZEN Card?

    Answer

    There are many reasons why ZEN cards are unique. In ZEN, we call them Zenefits.

    ZEN Care Shopping Protection

    Assistance in refund when you feel something has gone wrong:

    • the purchased goods/services have not been delivered or do not meet your expectations,
    • the seller did not refund your funds,
    • the card was charged with an additional fee or was charged twice,
    • the ATM did not pay out funds or,
    • you don't recognize the transaction.

    How does it work?

    • mceclip1.png The transaction must be made with a ZEN Mastercard.
    • mceclip2.png If something goes wrong and the seller doesn't want to help you, we'll take care of it.

    ZEN Care is a service for Gold and Platinum plan users that offers a simple returns and refunds policy and instant resolution when something goes wrong with a card transaction. To send a ZEN Care request, open ZEN app, go to the Wallet page (center screen) and swipe the screen from bottom to top to open the transaction history. Find the card transaction you are having issues with, tap 'Get Help' and then select 'ZEN Care'.

    One year of additional warranty

    Enjoy the purchased RTV and household appliances much longer.

    How does it work?

    • mceclip1.png Buy electronics and household appliances using the ZEN Mastercard.
    • mceclip5.png The product must have a manufacturer's warranty.
    • mceclip6.png Apply for an extended warranty by selecting the appropriate option from the details of a specific transaction.
    • Use the "Help" option and then "Extended Warranty".

    Instant cashback

    Up to 14% of the money spent will be returned to your account.

    How does it work?

    • mceclip8.png Go to the partner's website using the dedicated link in the ZEN app.
    • mceclip1.png Shop within 30 minutes with your ZEN Mastercard.
    • mceclip5.png Enjoy instant cashback.

    Free ZEN Mastercard Virtual Card

    Created for an amazing shopping experience. Online and offline. Completely free, generated automatically when opening the ZEN account.

  • ZEN Card renewal

    Question

    What to do if my ZEN Card is expiring soon?

    Answer

    If your ZEN Card expiration date is approaching, the card was not restricted or removed from the ZEN app, and it was used in the last 6 months before expiry, it will be automatically reissued for free.

    For virtual cards: 14 days before your card expires, an email message and notification from the ZEN app will be sent to you about the expiring card. Please note that for the card to be reissued, there must be a minimum of one transaction made with it in the last 6 months before it expires. When the card is automatically renewed, you will receive a notification from the ZEN app. Virtual cards are renewed automatically 5-3 days before the card expires.

    For physical cards: 1.5 months before your card expires, an email message from ZEN will be sent to you about the expiring card. Please note that for the card to be reissued, there must be a minimum of one transaction made with it in the last 6 months before it expires. The new physical card is delivered to the address you provided in the app settings as your Home address. Please update it in the ZEN app if you need the card to be delivered somewhere else.

    See also: Order a virtual card, Order a physical card

Contact Customer Service

Contact Sales Team

Visit Our Socials