I was refused/declined a zippay account without explanation, even though I've been in business for 12 years. They refused to re-visit it, even after I pointed out dodgy websites they had accepted!
The Zippay application process had Zencart on their list of supported e-commercce platforms. In fact you can choose it from a drop-down list, as you sign up.
Perhaps I was refused because I chose Zencart?
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