Questions You Might Ask
A) Registration
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Sign up with your email address via the contact form on our Contact page.
B) Qualification
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Provide your company information and submit certified documents for the first time application.
C) Application
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Choose the services that fit your business—payment gateway and/or B2B settlement—with help from our onboarding support.
D) Integration
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Integrate our APIs to add payment and settlement flows to your website, mobile experience, or app. Our customer success team and multilingual helpdesk can assist during integration.
ZHENGPENG TRADE begins reviewing your application as soon as it is received. A member of our team will typically reach out by email or phone to confirm next steps and any additional documentation.
Approval timelines depend on your products, channels, and regulatory checks; your onboarding contact will give you a realistic schedule.
You will receive a confirmation email from ZHENGPENG TRADE once your application has been approved.
We focus on FinTech and cross-border payments with two core pillars: payment gateway solutions and B2B settlement systems, designed to reduce friction for your customers and your finance operations.
Behind the product, our customer success team, structured onboarding support, and multilingual helpdesk help you go live and stay supported as you scale.
Prohibited List
| No. | Description of services and products |
| 1 | Unauthorized sale or resale of counterfeit or brand name or designer products or services; sale of goods or services that are illegally imported or exported. |
| 2 | Manufacture, sale or distribution of firearms, weapons, or ammunitions and related products (ie. gunpowder, explosives, etc). |
| 3 | Buy, sell and trade of human remains and body parts. Wildlife trade (ie. Animals classified as endangered or protected, or in animal products procured through poaching or other illegal practices). |
| 4 | Items or Downloads that Infringe or Violate Copyright, Trademark, Right of publicity or privacy or any other proprietary right under the laws of any jurisdiction and file sharing services without the appropriate authorization from the rights holder or any product or service that directly infringes or facilitates infringement upon the trademark, patent, copyright, trade secrets, or proprietary or privacy rights of any third party. |
| 5 | Items that promote hate, racism, religious persecution, political provocation/incitement/seditious and/or offensive content. |
| 6 | Obscene items. |
| 7 | Pornographies, Adult Contents, Sexually Oriented Materials or Services and other illicit materials (including literature, imagery, and other media); sites offering any sexually related services such as prostitution, escorts, pay-perview, adult live chat features. |
| 8 | Pyramid or Ponzi Schemes, Matrix Programs & Other “GET RICH QUICK” Schemes and Investment Schemes. |
| 9 | Stolen goods including digital and virtual goods. |
| 10 | Network marketing, and referral marketing programs. |
| 11 | Involved the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. |
| 12 | Video Content Customization Based On Customer Preferences. |
| 13 | Any business or activity considered illegal, unlawful, or prohibited by the regulators and/or governing authorities in the local jurisdiction. |
| 14 | Any business (physical or online) which are not license or permitted by the authority or regulatory. |
| 15 | Website mining services ie. Mining of prices on Amazon that breach a website’s acceptable use agreement. |
| 16 | Automated bots for purchasing of products, gaming and etc. |
| 17 | A corporation/company without active business operations or significant assets. |
| 18 | Other goods or services that violate relevant laws and regulations or adversely affect the reputation of ZHENGPENG TRADE. |
Restricted List
| No. | Description of services and products |
| 1 | Associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card. |
| 2 | Associated with the sale of traveller’s checks or money orders. |
| 3 | Bidding and binary. |
| 4 | Card sharing. |
| 5 | Direct-marketing-subscriptions, Outbound telemarketing. |
| 6 | Drugs, Drug equipment & Drug test prevention aids, Narcotics or Steroids. |
| 7 | Legal manufacture, sale, or distribution of fireworks & hazardous materials. |
| 8 | Forex & Currencies, Check cashing business, Services which provide certain credit repair or debt settlement services, credit transactions or insurance activities. |
| 9 | Legal regulated and legitimate gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether it is legally defined as a lottery) and sweepstakes. |
| 10 | Precious metal, stones and gold/gold bullion. |
| 11 | Involved rebate‐based and up‐selling businesses. |
| 12 | Unlicensed pseudo-pharmaceuticals and other products, including miracle cures that make health claims that have not been approved or verified by the applicable local and/or national regulatory /authority body. |
| 13 | Payment aggregators. |
| 14 | With unlimited / lifetime service period. Such business typically involves selling lease and rent timeshares real estate and arrange timeshare accommodation exchange, or long term / lifetime club membership. |
| 15 | Online / mobile games with in-game purchase options. |
| 16 | Any businesses related to tobacco and/or related products or services in the local jurisdiction (e.g., cigarettes, cigars, chewing tobacco, herbal cigarettes or tobacco, hookah or shisha molasses product that contains tobacco, nicotine inhalers or sprays, e-cigarettes, e-liquid containing nicotine, or smokeless cigarettes), alcohol and related products. |
| 17 | Companies/entities which the nature of business is a platform or provide any type of crypto-currencies services. |
| 18 | Trust and corporate formation entities. |
| 19 | Any non-profit, charity, or NGO organization, including but not limited to, religious organization and political party. |
| 20 | Accountant, lawyer, notaries and company secretaries. |
We offer several integration paths—from hosted flows to API-led setups—so you can match your stack, security requirements, and time-to-market. During onboarding, we will recommend the approach that fits your use case.
With ZHENGPENG TRADE’s hosted payment page, customers complete checkout on our secure, maintained page—often the quickest way to start accepting payments while you build deeper API integrations.
Pros: Fast and easy to set up
Suitable for: Entrepreneur/Freelancer with limited technical knowledge
ZHENGPENG TRADE’s payment gateway solutions are built for cross-border and regional acceptance. Available methods depend on your entity, industry, and the corridors you enable—your onboarding contact will confirm what applies to your account.
We typically support a broad mix of local and international options where regulations and scheme rules allow, aligned with your risk and compliance profile.
Overview of payment channels: available methods depend on your entity, industry, and corridors—your onboarding contact will confirm what applies to your account.
Examples of channel types (availability varies by market):- Credit & Debit Cards
- Internet Banking
- E-Wallets & QR Payments
- Buy Now, Pay Later (BNPL)
- Over-the-counter or retail payment options (where offered)
- Digital asset or alternative rails (where supported and compliant)
Tokenization is the process of replacing sensitive data with unique identification symbols that retain all the essential information about the data without compromising its security.
ZHENGPENG TRADE’s seamless checkout is designed to shorten the steps between your customer and a completed payment, which can improve conversion and the overall payment experience.
Pros: Increases payment success rate
Suitable for: Businesses that care about user experience.
HTTPS is not always mandatory for every integration pattern, but we strongly recommend it. It improves trust at checkout and helps protect data in transit.
TLS (HTTPS) also supports encryption of customer and session details while they use your site or app.
Providers that are not licensed or supervised in your jurisdiction may fall outside local consumer-protection and dispute frameworks. Working with a regulated or properly governed partner helps align expectations, recourse, and compliance for cross-border payments.
Your transaction has been denied due to merchant account issue (P02)
Reason: Merchant not subscribe to that channel.
Your payment info format not correct ! (P03)
Reason: Suspicious txn due to Vcode unmatched.
Please note that amount MUST be 2-decimal point and no comma or any other special character such as $ sign
Below are the online tools that help to verify your vcode and skey for payment request/response:
- Vcode (verify payment request/response using the tools supplied in your merchant integration documentation).
Not allowed to process (P04)
Reason: Buyer info incomplete.
Please note that mobile number such as 012345678 or any common faked number will be blocked. Same applied to invalid email or buyer name that less than 3 characters.
Cross-border payments, gateway and B2B settlement—with dedicated support.
Payment gateway solutions
Accept local and international methods through a gateway built for cross-border FinTech use cases.
B2B settlement systems
Streamline business-to-business payouts and reconciliation alongside your payment flows.
Success, onboarding & multilingual helpdesk
Customer success, onboarding support, and a multilingual helpdesk when you need answers fast.