Accept payments through all your sales channels

We accept applicants that are:

• duly organized business entities,
• registered and physically located in the EU or UK,
• operating legal and compliant businesses,
• that do not pose extraordinary risk.

As a financial technology company, we partner with financial institutions (called “acquiring banks” or “acquirers”) in the EU and UK that define their own acceptance policies. Our ability to accept your business type may depend in large part on the acceptance policies of our partners.

Contact our payment experts for more insights into risk factors considered by acquirers in the underwriting process and get a free risk assessment of risk factors in scope for your business.

Merchant accounts are regulated just like bank accounts, so your acquirer will perform basic KYC/AML checks to approve your account.

Each applicant must provide documents confirming:

• The identity of their business entity, its ownership structure, its directors, and its good standing with its registrar.
• A bank document confirming the bank account where proceeds from card payments will be settled.
• Each director and each UBO (owner of 25% or more) most provide a passport or national identity document and a proof of address such as a utility bill, issued within the last 90 days.
• Additional documents confirming business details such as licensing, certifications, or other details like supplier agreements may be required on a case-by-case basis.

Contact our payment experts to book a free scoping session to define requirements for your business.

Proceeds from your credit card sales are settled by the card networks each day and deposited to a client funds account with your acquirer for safekeeping. When your payment is due according to your settlement cycle (daily or weekly), funds are transferred directly from the acquirer client funds account to your business bank account.

Our payment gateway and billing platform are technical services outside the scope of licensed activity and are integrated to many other acquirers around the world, but to work for you in a holistic sense they must be coupled with the licensed services of an acquirer to provide you with a connected merchant account.

Our partner acquirers are licensed in the EU and UK (the EEA) so to use their services your business must be registered and located within the EEA. If you already have a merchant account with another provider or if you are located outside of the EEA and want to use our gateway connections or billing platform, talk to our payment experts for help identifying an integrated acquirer located in your region.

To provide our services in a holistic manner we work with merchant acquirers that undertake the processing of card transactions. When you use our services you will be required to enter a contract with an acquirer that we nominate, under which transaction charges and other fees will apply. The fees indicated in the pricing section of our website are representative of the fees charged by our nominated acquirers and include our fees, we do not charge separate or additional fees for card processing services.

If you already have a merchant account with another connected acquirer or if you are located outside the licensed region of our partner acquirers and you elect to use our billing.gg platform or payment gateway only in combination with the acquiring services of your own acquirer, we will charge you the rates indicated on our billing website located at https://billing.gg/pricing-merchant.html

Our cardholder data environment (CDE) and connections into and out of the CDE are protected with industry standard security technology and apparatus certified at PCI-DSS Level-1, the highest available data security standard. We offer secure methods to connect to our payment gateway and CDE, all of which consider security with paramount importance.

Card data stored within the CDE is encrypted with military grade encryption technology and referenced by randomized tokens which cannot be decrypted. Contact our payments experts for more information on how Zing.gg keeps card data safe and secure.