Los Angeles, California
Payment processing
built for your neighborhood
The right card machine for your small business,
set up and ready to go.
Credit Card Processing That
Actually Works for Your Business
ZenythPay was built for one reason: small businesses in Los Angeles deserve better than confusing statements, hidden fees, and call-center support that never picks up.
OUR STORY
Why we started ZenythPay
Every week, small business owners across Los Angeles were getting overcharged on processing fees they didn't fully understand, leasing equipment at inflated rates, and dealing with processors that disappeared the moment something went wrong. We started ZenythPay to flip that model. By partnering with XRay Payment Processing, one of the most robust processing networks in the country, we can offer enterprise-level infrastructure with local, human support that actually shows up. Our team works directly with each merchant to analyze their current statement, identify where they're overpaying, and build a pricing structure that makes sense for their volume and business type. No upsells. No gimmicks.
OUR STORY
Why we started ZenythPay
Every week, small business owners across Los Angeles were getting overcharged on processing fees they didn't fully understand, leasing equipment at inflated rates, and dealing with processors that disappeared the moment something went wrong. We started ZenythPay to flip that model. By partnering with XRay Payment Processing, one of the most robust processing networks in the country, we can offer enterprise-level infrastructure with local, human support that actually shows up. Our team works directly with each merchant to analyze their current statement, identify where they're overpaying, and build a pricing structure that makes sense for their volume and business type. No upsells. No gimmicks.
Average savings merchants see after switching to ZenythPay
25%
Average savings merchants see after switching to ZenythPay
25%
Funding period for all approved merchants, every time
Next Day
Funding period for all approved merchants, every time
Next Day
Visa, Mastercard, Amex, Discover, JCB, and more
All Cards
Visa, Mastercard, Amex, Discover, JCB, and more
All Cards
Visa, Mastercard, Amex, Discover, JCB, and more
All Cards
Powered by XRay Payment Processing
WHAT WE STAND FOR
Three things we never compromise on your margin first
Everything we build, every merchant we onboard, and every conversation we have comes back to these three commitments.
WHAT WE STAND FOR
Three things we never compromise on your margin first
Everything we build, every merchant we onboard, and every conversation we have comes back to these three commitments.
Full Transparency
No teaser rates that balloon after 90 days. No buried fees in the fine print. Before you sign anything, we walk you through exactly what you will pay, line by line, every month.
Real Local Support
When something goes wrong with your terminal on a Saturday night, you need a person, not a ticket number. Our team is reachable and responsive because your uptime is our priority.
Pricing That Scales
Whether you're doing $10K or $500K a month, your processing costs should reflect your volume. We configure pricing individually, not from a one-size-fits-all template.
Full Transparency
No teaser rates that balloon after 90 days. No buried fees in the fine print. Before you sign anything, we walk you through exactly what you will pay, line by line, every month.
Real Local Support
When something goes wrong with your terminal on a Saturday night, you need a person, not a ticket number. Our team is reachable and responsive because your uptime is our priority.
Pricing That Scales
Whether you're doing $10K or $500K a month, your processing costs should reflect your volume. We configure pricing individually, not from a one-size-fits-all template.
Full Transparency
No teaser rates that balloon after 90 days. No buried fees in the fine print. Before you sign anything, we walk you through exactly what you will pay, line by line, every month.
Pricing That Scales
Whether you're doing $10K or $500K a month, your processing costs should reflect your volume. We configure pricing individually, not from a one-size-fits-all template.
Real Local Support
When something goes wrong with your terminal on a Saturday night, you need a person, not a ticket number. Our team is reachable and responsive because your uptime is our priority.
HOW IT WORKS
From first call to live processing
We handle every step of the setup so you can focus on running your business.
HOW IT WORKS
From first call to live processing
We handle every step of the setup so you can focus on running your business.
01
Free Statement Analysis
Send us your last processing statement. We break it down and show you exactly where you're overpaying and how much you could save.
02
Custom Pricing Proposal
We configure a pricing model, whether dual pricing, interchange plus, or flat rate, built around your transaction volume and industry.
03
Application and Approval
We create your lead in the system, generate the Merchant Processing Agreement, and guide you through e-signature. Underwriting typically takes 1 to 3 business days.
04
Equipment Shipped, You're Live
Once approved, your terminal is programmed, tested, and shipped to your door. Our team walks you through activation and you start processing.
INFRASTRUCTURE WE RUN ON
XRay Payment Processing
Core Network
Valor Terminals
Hardware
Clover POS
Hardware
Authorize.net
Gateway
NMI Gateway
Gateway
ACH Processing
$0.05 / transaction
APPLICATION TIMELINE
XRay Payment Processing
Core Network
Valor Terminals
Hardware
Clover POS
Hardware
Authorize.net
Gateway
NMI Gateway
Gateway
ACH Processing
$0.05 / transaction
BACKED BY
Enterprise infrastructure. Local partner network.
ZenythPay is powered by XRay Payment Processing, giving our merchants access to Fiserv North, one of the largest processing networks in the United States, with approval for nearly every legal merchant type including high-risk and CBD.
BACKED BY
Enterprise infrastructure. Local partner network.
ZenythPay is powered by XRay Payment Processing, giving our merchants access to Fiserv North, one of the largest processing networks in the United States, with approval for nearly every legal merchant type including high-risk and CBD.
Next Day
Next Day
Next Day
Funding for every
approved merchant
Funding for every
approved merchant
25%
25%
25%
Average savings vs.
previous processor
Average savings vs.
previous processor
All
All
All
Major card networks
supported
Major card networks
supported
$0.05
$0.05
$0.05
ACH transaction cost
regardless of amount
ACH transaction cost
regardless of amount
WHO WE ARE
Local. Direct. In your corner.
We're a team of payment specialists and business operators based in Los Angeles County who got tired of watching merchants get taken advantage of by opaque pricing and indifferent national processors.
WHO WE ARE
Start accepting payments in three simple steps
We're a team of payment specialists and business operators based in Los Angeles County who got tired of watching merchants get taken advantage of by opaque pricing and indifferent national processors.
01
We speak plain English
No jargon. No confusing rate structures designed to obscure the real cost. Every conversation we have with a merchant is direct, honest, and grounded in what actually matters for their bottom line.
03
We earn your business monthly
Our model only works if you're happy with your rates and your service. We don't lock you into punishing contracts. We keep merchants because the value is real, not because leaving is painful.
02
We work on your timeline
Getting approved and live should not take three weeks. We move fast from lead creation through underwriting to equipment delivery, because every day you wait is a day you're still overpaying somewhere else.
04
We cover the hard cases
High-risk business? CBD? New entity with limited processing history? We have seen it. XRay's underwriting team can approve nearly all legal merchant types that larger processors routinely decline.
01
We speak plain English
No jargon. No confusing rate structures designed to obscure the real cost. Every conversation we have with a merchant is direct, honest, and grounded in what actually matters for their bottom line.
02
We work on your timeline
Getting approved and live should not take three weeks. We move fast from lead creation through underwriting to equipment delivery, because every day you wait is a day you're still overpaying somewhere else.
03
We earn your business monthly
Our model only works if you're happy with your rates and your service. We don't lock you into punishing contracts. We keep merchants because the value is real, not because leaving is painful.
04
We cover the hard cases
High-risk business? CBD? New entity with limited processing history? We have seen it. XRay's underwriting team can approve nearly all legal merchant types that larger processors routinely decline.
01
We speak plain English
No jargon. No confusing rate structures designed to obscure the real cost. Every conversation we have with a merchant is direct, honest, and grounded in what actually matters for their bottom line.
02
We work on your timeline
Getting approved and live should not take three weeks. We move fast from lead creation through underwriting to equipment delivery, because every day you wait is a day you're still overpaying somewhere else.
03
We earn your business monthly
Our model only works if you're happy with your rates and your service. We don't lock you into punishing contracts. We keep merchants because the value is real, not because leaving is painful.
04
We cover the hard cases
High-risk business? CBD? New entity with limited processing history? We have seen it. XRay's underwriting team can approve nearly all legal merchant types that larger processors routinely decline.