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Spring 2025Fintech

Zenobia Pay

Bank transfers as payments for luxury retailers.

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About Zenobia Pay

Zenobia Pay enables luxury brands and jewelers to accept pay-by-bank. We’ve built an instant clearing pay-by-bank network with bundled fraud insurance that costs 3 times less in fees than credit card processing. We are building Zenobia Pay specifically for expensive goods. Items are high intentionality, so we can actually convert customers at checkout. Payments go through your phone without you having to download an app. We use purchase metadata to provide a digital proof of purchase for the entire lifespan of luxury goods so that brands can earn fees verification fees on the $39B resale market, which is growing 3 times faster than new sales.  Zenobia Pay is a branded pay-by-bank rewards network that is the default payment mechanism for all purchases over $200.

Quick facts

YC Batch
Spring 2025
Founded
2025
Headquarters
New York
Team size
2
Industry
Fintech • Fintech -> Payments
Tags
fintech, payments, e-commerce
Website
zenobiapay.com
Profiles
LinkedIn · Twitter · GitHub

Founders

Ryan Prendergast
Founder
CEO @ Zenobia Pay ryan-prendergast.com
Theodore Li
Founder
CTO @ Zenobia Pay. Previously launched AWS HealthOmics, a genomics storage and analytics platform storing petabytes of data.

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