Risk & Compliance Policy

1. Risk Management

ZenPay maintains a risk management framework to protect merchants, customers, and the payment ecosystem.

2. Compliance

Merchants must comply with:

• Applicable laws
• Payment network rules
• ZenPay policies

3. Risk Review

ZenPay may conduct periodic reviews of:

• Transaction behaviour
• Chargeback rates
• Fraud indicators
• Merchant activities

4. Actions

Where unacceptable risks are identified, ZenPay may:

• Suspend transactions
• Hold settlements
• Limit transaction volumes
• Close merchant accounts