ZenoPay handles the entire revenue lifecycle — subscription management, 14 global payment rails, churn intelligence, fraud detection, payout disbursement, and continuous self-improvement. Built so the people running the business can focus on the business.
Every billing function any recurring-revenue business needs — plans, trials, proration, dunning, coupons, add-ons, usage metering, invoicing, and outbound webhooks — built to work together without configuration.
Usage entitlements, overage billing, monthly and annual intervals.
Start, extend, and convert trials automatically with first-charge execution.
Mid-cycle upgrades calculated to the day. Credit for unused time applied immediately.
Configurable retry schedules across all rails. Grace periods before cancellation.
% off, fixed amount, free months. Once, repeating, or forever. Max redemption limits.
Per-unit, flat, and tiered add-on billing alongside base subscriptions.
Track feature usage per customer. Enforce limits or bill overages per unit.
24 outbound event types. HMAC-signed. Retry queue for failed deliveries.
ZenoPay was designed around recurring revenue patterns — but the rail routing, fraud intelligence, payout engine, and autonomous brain apply anywhere payment failure, chargeback risk, or routing inefficiency costs real money.
The original use case. Subscription billing, dunning, churn intelligence, and BNPL retention across every pricing model. Trials that convert, renewals that succeed, cancellations that get intercepted first.
Collect from buyers, disburse to sellers, creators, and affiliates — both directions through the same routing intelligence. The cross-tenant fraud network is uniquely valuable here: marketplace fraud patterns are highly repeatable across platforms.
Rail routing that maximizes authorization rates and minimizes cost per transaction. At $1M/month in volume, routing recurring orders through GoCardless instead of card rails recovers over $24,000/month automatically — no configuration.
The V7 agentic layer — conversational consent as legal payment authorization, LLM-independent guardrail validation — is infrastructure that every financial services company building on AI needs and none have built. ZenoPay is the governance layer.
14 rails covering India (UPI, 10bps), China (Alipay, WeChat Pay, UnionPay), Brazil (PIX, instant), East Africa (M-Pesa, 51M users), Thailand and SEA (PromptPay, 2C2P), and all western card networks. One integration, every market.
Insurance premiums, utility auto-pay, gym memberships, media subscriptions, B2B SaaS, professional services retainers. Any business with customers who pay on a schedule has the same underlying problem — ZenoPay solves it once, for all of them.
Detects upgrade intent from session behavior. Surfaces personalized offers. Executes with explicit customer consent in the same reasoning loop.
14 behavioral signals scored daily. BNPL for price friction, targeted outreach for engagement decay, human escalation above the risk threshold.
Scores 15 payment rails before every transaction. Routes optimally. Falls back silently. Customer sees nothing.
Four signal layers fire before the processor. Cross-tenant propagation — confirmed fraud on one deployment becomes a signal for all within 60 seconds.
Moves money both directions. Marketplace, creator, affiliate, contractor. Same rail-scoring intelligence applied to outbound.
After every 50 decisions, analyzes its own outcomes and proposes refinements. A/B tests live experiments. Human approval always required.
Eight narrated scenes covering the complete platform — subscription management, 15-rail routing, churn intelligence, fraud architecture, payout disbursement, audit compliance, and the self-improvement cycle.
Every transaction is scored across all available rails before execution — approval rate (50%), processing cost (30%), settlement speed (20%). The router is region-aware: UPI for India, PIX for Brazil, M-Pesa for East Africa, PromptPay for Thailand and SEA, Alipay and WeChat Pay for China — automatically selected based on the optimal score for each transaction. Processor fees pass through at cost and are not marked up.
Bps figures are approximate published rates. Actual rates depend on negotiated processor agreements. All processor fees pass through at cost — not marked up by ZenoPay.
The router is region-aware. When the customer's context suggests a regional market, ZenoPay automatically scores regional rails higher and routes accordingly — no manual configuration needed.
Every autonomous decision generates a natural-language audit entry — what was decided, why, what alternatives were considered, which guardrails were checked. The log is append-only at the SQL level. No update or delete is possible by design.
All guardrail changes proposed by the self-improvement system require human approval before taking effect. The brain cannot change its own rules.
Spreedly charges $2,000–$16,000/month with known history of unilateral price increases. Primer charges 0.2–0.6% per transaction — on $1M/month that is $2,000–$6,000 just for routing, before processor fees. ZenoPay charges a flat monthly license. The more you process, the better your unit economics.
Pricing is indicative for an early-stage platform. Final terms subject to negotiation. Processor fees are separate and not marked up.
ZenoPay is not just a platform we built for others. It is the billing and payment intelligence infrastructure that runs Huit.AI's own SaaS products. Every subscription billed, every recurring charge routed, every churn signal scored — processed through ZenoPay. We are our own first customer.
ZenoPay is approaching its first production deployment. If you're building a payment-intensive product and want early access, reach out directly.