Settlement Policy

1. Settlement Schedule

ZenPay aims to process settlement requests promptly.

Published settlement timeframes are estimates and may vary depending on operational and banking factors.

2. Delays

Settlement may be delayed due to:

• Banking system maintenance
• Public holidays
• Fraud investigations
• Compliance reviews
• Technical interruptions

3. Settlement Account

Merchants are responsible for maintaining an active and valid bank account.

ZenPay is not responsible for failed settlements caused by incorrect banking information.

4. Settlement Holds

ZenPay may temporarily hold settlement where necessary to:

• Prevent fraud
• Resolve disputes
• Comply with regulatory obligations