Zenobia Pay Launches: Payments for Luxury

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February 9, 2026

Zenobia Pay recently launched!

Launch YC: Zenobia Pay - Payments for luxury

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"Pay-by-bank to end high credit card fees."

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Founded by Ryan Prendergast & Theodore Li‍

Hey everyone! Meet Ryan and Teddy, co-founders of Zenobia Pay.

Founders Ryan Prendergast and Theodore Li started Zenobia Pay with a mission to make it 3x cheaper to transact online, bypassing the senselessly high credit card interchange fees that aren’t normal anywhere outside the US.

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Zenobia Pay enables luxury brands to accept pay-by-bank and avoid fraud, chargebacks, and credit card fees.

https://youtu.be/1dwgU3zQz3k

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Online credit card payments are expensive and rife with fraud. Fees account for 3+% of transaction volume, and high-ticket items account for more than a third of the 100 million annual chargebacks in the US.

With Zenobia Pay, payments cost only 1%, clear instantly, and are protected with a fraud chargeback guarantee. Customers link their bank to their own hardware, where it’s stored locally in a secure enclave. Merchant sites never see sensitive tokens or account numbers.

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Learn More

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🌐 Visit zenobiapay.com to learn more.
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💸 If you sell goods online for >$200 and want to 3x lower your fees, email the founders here.
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👣 Follow Zenobia Pay on LinkedIn & X.

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