Visa and ZEN.COM team up on real-time cross-border payments through Visa Direct

April 2, 2025 – Visa, a world leader in digital payments, and ZEN.COM (ZEN), a European fintech provider today announced an agreement aimed at expanding access to innovative payment solutions and enhancing cross-border payment capabilities through Visa Direct.

ZEN has collaborated with Currencycloud, now part of Visa Direct, since 2020 and has utilized Visa Direct card payouts since last year. The agreement spans peer-to-peer (P2P), business-to-consumer (B2C), and business-to-business (B2B) transactions, helping ZEN grow both its business and consumer offerings via cross-border payments.

“We are excited to deepen our relationship with ZEN.COM and support their growth ambitions” - said Patrik Havander, Head of Visa Direct in the Nordics and Baltics. “This agreement underscores Visa's commitment to collaborating with innovative fintechs like ZEN, demonstrating our ability to deliver agile and effective solutions for the modern financial landscape. By leveraging Visa Direct, ZEN will be able to offer its customers a seamless and reliable cross-border payment experience.”

ZEN offers its users multi-currency IBAN accounts offering market-leading currency conversion rates, fast money transfers, multiple top-up methods, ZEN Pay for quick and secure transactions, and ZEN Cards designed to elevate the e-commerce experience for both consumers and businesses.

Michał Bogusławski, CEO, Europe at ZEN.COM, said: “Partnering with Visa is a natural next step in our mission to make payments faster, smarter, and more accessible. By leveraging Visa Direct, we’re streamlining cross-border transactions while expanding our digital payments. This collaboration strengthens our ability to deliver a more intuitive and efficient payment experience for businesses and consumers alike.”

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About Visa

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

About ZEN.COM

ZEN.COM is a fast-growing fintech company providing innovative payment solutions for consumers and businesses. With a focus on seamless transactions, ZEN.COM offers multi-currency IBAN accounts, quick money transfers, multiple top-up methods, and ZEN Cards with instant cashback, ZEN Care purchase protection, and extended warranties. Businesses benefit from a payment gateway supporting dozens of methods, ensuring instant settlements and lower transaction costs.