No portal, no application form, no three-week silence. Onboarding starts with a Telegram message, moves through a real underwriting review, and ends with a live channel. This page sets out exactly what to send, what gets reviewed, and what speeds the file up — so nothing about the process is a surprise.
Four stages. Each one has a clear input from you and a clear output from us, which is why the whole thing is usually measured in days rather than weeks.
You send vertical, target markets, monthly volume and deposit-to-withdrawal mix on Telegram. A live rate quote comes back against your actual profile, usually within hours, along with which channels are open for your markets right now.
Company documents, licence if you hold one, traffic profile and any processing history. Each first-hand channel underwrites your business for its own market, so one market's review never blocks another market's flow.
Collection and payout endpoints, webhooks, test transactions and reconciliation. Typical integration is 3 to 5 business days per channel, with engineers on the same Telegram thread rather than behind a ticket queue.
Live traffic, then settlement. Most channels settle T+0 or D+0, and USDT settlement is available on every channel, with local currency or USD on selected markets. Adding your next market means switching a channel on rather than starting over.
Most first messages are too vague to price. "What are your rates?" cannot be answered honestly, because rates move with vertical, volume, market and payout ratio. Five specifics turn a non-answer into a live quote.
iGaming, forex, prop firm, or something adjacent. Verticals are underwritten differently, and even inside iGaming a sportsbook and a slots brand look different on dispute and refund behaviour. Say which you are.
Name the countries, not the region. "Southeast Asia" covers channels priced from roughly 1.2% to well above that, on completely different rails. Country names let us tell you which channels are live this week rather than what the market theoretically supports.
An honest expected figure, and whether it is ramping or steady. Volume is the single biggest lever on pricing. An inflated number is not a negotiating tactic; it produces a quote that gets revised downward later, which wastes the week you were trying to save.
Collection and payout are priced separately, and a business paying out 70% of what it collects has different unit economics from one paying out 15%. Brokers and prop firms in particular should lead with this, because the payout side usually dominates their real cost.
Live and expanding, or terminated last Tuesday? Both are workable. If you are mid-termination, read the triage sequence for the week after a termination email first. Protecting your data and your held balance matters more in that week than picking a replacement.
Underwriting is not a formality and it is not a credit check. It is an attempt to predict how your traffic will behave on a specific channel in a specific country. Four factors drive it, and they are the same four that get you filed as high risk by a card acquirer in the first place.
How often does your product get contested, and by whom? A prop firm selling evaluations to candidates who may fail carries a different pattern from a sportsbook. What matters is not that disputes exist but whether you can evidence what happened when they do.
Gambling and brokerage categories are restricted by default at most banks regardless of paperwork. On local rails this shows up differently — as which channels will take your traffic — but it is still the first question a channel asks.
A business licensed in one jurisdiction taking traffic from ten forces a reviewer to think about all ten. Be clear about where you are licensed and where you simply take traffic. It shortens the conversation considerably.
Large deposits, rapid repeat purchases and same-day withdrawals read as fraud patterns to a card-trained risk model even when they are just how your product works. On local rails the same profile is mostly a sizing question: it decides which programme fits your limits, as the Malaysia rate card shows across its five programmes.
This is not a fixed checklist; the exact set varies per channel and per market. Treat it as the shape of what gets requested, and have it ready before the conversation starts.
Nothing here is a trick. It is simply the difference between a reviewer answering questions and a reviewer asking them.
This is not no-questions-asked processing, and it would be dishonest to imply otherwise. Traffic we cannot underwrite in a given market gets declined in that market. Being told no in week one is cheaper for you than being switched off in month three.
The slow files are rarely the risky ones. They are the incomplete ones: a corporate structure nobody will explain, a volume figure that contradicts the statements behind it, an unanswered question about the previous provider. Silence on an awkward point reads worse than the point itself.
Genuine declines usually come down to market fit rather than character. A vertical a particular channel will not take, a country where nothing is currently open for that traffic, or a licensing position that puts a specific channel out of reach. In most of those cases a different market or a different programme works, which is why the market list is worth discussing rather than assuming.
ZenexPay is one partner across 21 markets, so a second or third channel switched on later starts from the same approved profile and the same settlement relationship rather than a fresh application.
See all 21 market rate cards →Reusing the review does not remove the build. Typical integration remains 3 to 5 business days per channel, and each channel confirms its own limits, cycle and settlement currency.
How settlement works →Settlement runs on the cycle confirmed for each channel — T+0 or D+0 on most, a small number on a next-day cycle — with the same Telegram thread for reconciliation questions and new markets.
USDT settlement →Naming countries in your first message is what makes the quote real. Each page publishes its own rate card, limits and settlement terms. Compare all 21 markets on one page →
Vertical, target markets, monthly volume, deposit-to-withdrawal mix, current provider situation. That is the whole first message.
Message ZenexPay on TelegramDirect line to the team that runs the channels, not a sales layer.