Zonipay is the merchant of record for suppliers of research-use-only materials. We sell on their behalf, take the payment, answer for it afterwards, and keep each storefront inside the lines that make research supply a legitimate business.
Suppliers of lyophilized research peptides, analytical standards, reagents and laboratory consumables sell to a specific market: laboratories, institutions, businesses and qualified researchers. That market is legal and useful. It is also easy to get wrong, and when a store drifts into consumer marketing the payment provider is the first to feel it.
We take that problem on directly. Zonipay is the seller of record on every order placed through a merchant on our platform. The buyer pays Zonipay, receives a receipt from Zonipay on behalf of the store, and sees our name next to the store's on their statement. We handle refunds, disputes and questions about charges, and we settle the proceeds to the merchant's own payout account.
In exchange, we ask for something most payment providers never check: a storefront that reads like a research supplier, before the first sale and every eight hours after it.
A merchant of record answers for every sale it processes. These are the rules we set ourselves so that answer is always easy to give.
A store that only works while nobody looks at it is not a store we can carry. We would rather open fewer accounts and keep every one of them for years.
In practiceNo first sale until the storefront passes review. A critical finding has 48 hours to be fixed, whatever the account's size.
Your rate, any fixed fees and your reserve, set according to your volume, are written into your merchant agreement before you sign. Payouts run every two business days. If a finding needs action, the email names the page and the change.
In practiceNo figures you discover later. When something changes, you hear it from us first, in writing.
Every order carries what happened: the amount, the fees, the buyer's research-use attestation, refunds, disputes and the reserve held or released. Reporting is built from that record, line by line.
In practiceWhen a bank asks a question about an order, we answer from the record. So can you, from your reporting or a CSV export.
Your buyers know your brand, your catalog and your support team. We sit in the payment and stay out of the way: the checkout carries your branding, and our name appears where the law and the card networks require it.
In practiceOrder bumps and one-click additions are shown only with your approval. We do not market to your buyers.
Merchant of record is a shared arrangement. Here is what each side commits to, in the order it usually comes up.
The full rules are in our compliance policy and acceptable use policy.
Zonipay is a trading name. The company behind it is the legal seller of record on transactions made through merchants on our platform, and the party to every merchant agreement.
Card payments are processed by Stripe. Zonipay is not a bank and does not hold deposits. Card data is entered into fields hosted by Stripe, and Zonipay never sees or stores full card numbers.
Sales, merchant support, compliance, disputes, privacy and security, each with its own address.
Merchant terms, buyer terms of sale, privacy, refunds, disputes and complaints.
What it means, how to find your order and how to reach the store or us.
About ten minutes. A clear answer, and a clear list of changes if any are needed.