ZEN.COM vs PayZen

ZEN.COM is a multicurrency account with a card and a digital wallet that make shopping and travel better. Pay at home and abroad, get more from every purchase and travel with peace of mind – all in one app. No need to switch banks – just switch cards. Pay better, get more, worry less Pay with your ZEN Card in shops and online, cover your subscriptions and book your trips – by card, phone or watch. Hold up to 35 currencies in one account, exchange them at the best rates and see what you’ve spent the moment you pay. Shop like always and earn cashback at 1,000+ partner stores, straight to your account. And if an order arrives faulty, wrong or not at all, ZEN Care Shopping Protection deals with the seller for you. Higher plans add more: Reward Zone, unlimited Shopping Protection and help claiming compensation when your flight is disrupted. Save money with cashback deals With ZEN.COM, you earn cashback on online shopping at hundreds of popular stores. Cashback rewards work with well-known brands such as AliExpress and Temu, along with many other shops. Choose the best and latest deals, enjoy special cashback offers and get real money back – no points, no coupons. Saving on everyday online shopping becomes effortless. Pay digitally and contactless Use your phone or smartwatch to pay quickly and securely. Add your card to Apple Pay or Google Pay to pay contactless wherever you shop. Whether shopping online or in store, payments are fast and easy. Multi-currency account with fair exchange rates Hold and manage multiple currencies in one mobile wallet. Pay in local payment methods at competitive foreign exchange rates with no hidden currency exchange fees. ZEN.COM is ideal for online shopping, exchanging travel money, calculating currencies and international spending – helping you avoid unnecessary conversion costs as you track and plan your personal finances. Send money simply Send digital money locally or internationally with transparent rules and no surprises. Use ZEN Buddies to send money instantly to other ZEN users. All transfers and payments are visible in one place, so you always know where your money goes. Secure payments and purchase protection Your payments are protected with ZEN Care. If something goes wrong with a purchase, you can request support directly in the app. How people in the UK use ZEN.COM • Emma shops online to find the latest hot deals at the best prices, and uses cashback rewards to save money on everyday purchases. • Fleur pays her subscriptions and does her online shopping using the ZEN virtual card. • James sends money, manages his personal finances and tracks monthly expenses in one app. Why choose ZEN.COM • Real-money cashback offers and fair exchange rates • Secure digital and contactless payments in store and online • One wallet for cards, transfers and spending • Secure payments with purchase protection • Clear pricing and full control over money management and expenses Download the ZEN.COM app and simplify how you pay, send, track and save money every day.

Easily cash in wherever you are with your smartphone or tablet, face to face or remotely. A cost-effective alternative to using a payment terminal and/or to offer your customers a simplified payment experience. How it works: 1. With the Payzen by Lyra application, create a payment link 2. Share it with your customer through a QR code or send it by SMS, WhatsApp, email or your favorite channel. 3. Your customer only has to click on the link or scan the QR code to make the payment on a secure web page. You can view in real time the progress of the payment requests for an optimal follow-up. An ideal solution for door-to-door sales, delivery, remote points of sale, booking by phone, invoice payment or unpaid reminders! The advantages of PayZen by Lyra: · More than 150 payment methods available (bank cards, wallet, prepaid cards, lunch vouchers, Chèques-vancance connect, sepa direct debit with e-mandate signature...) · Multi-currency with dynamic currency conversion available · Multilingual application · Multi-shops: one application to access all your shops · Ability to share the link on your other preferred and private channels such as Facebook, Messenger, Instagram, Telegram.... · Highly secure payment page: PCI DSS and 3DS2 Features in details: · Payment requests · Requests for a payment method registration · Payment and payment method registration requests · Payment status: sent, in progress, paid, cancelled, refused, expired · Details available for each payment request created · Advanced customization: link expiration date, language choice, payment validation choice (automatic or manual), capture delay · Compatible with the hosted page including data collect form · Connected with a powerful back office · Get an access to the PayZen back office with the same login/password for even more features: · Cancel, refund or duplicate payments · Accounting export · Republish a payment ticket · Advanced preferences and customization Access to this application requests to a PayZen subscription including payment orders and a distance contract. It can be used in addition to a website or on its own. About PayZen PayZen is a solution published by the Lyra Group, expert and leader in secure payments. Founded in 2001, Lyra has an international presence through its 11 subsidiaries and manages: · + 250,000 e-commerce sites worldwide · + 20 billion payments per year · + 4 million payment terminals worldwide Its services are PCI DSS, PCI 3DS, Visa, MasterCard certified and approved by the GIE Cartes Bancaires.