Global Payments. Real-Time
Settlements. Intelligent
Financial Infrastructure.
ZoikoPay powers seamless payments, multi-currency wallets, merchant onboarding, invoicing, settlements, telecom billing flows, FX routing, and enterprise-grade financial operations.
Global Transaction Fabric™
Unified payment infrastructure spanning multiple currencies, regions, and payment methods with intelligent routing optimization.
Unified Merchant Graph™
Comprehensive merchant relationship mapping with integrated onboarding, compliance, and risk management across all touchpoints.
Multi-Currency Smart Wallets™
Intelligent wallet system with automatic FX routing, multi-currency balances, and seamless cross-border transactions.
Features & Capabilities
Comprehensive financial infrastructure for modern businesses
Payment Acceptance
- Visa/Mastercard processing
- Bank transfers (ACH/SEPA)
- Mobile Money integration
- Wallet payments
- Checkout pages, payment links, QR codes
- Subscription billing
Smart Wallets™
- Multi-currency balances
- Internal transfers
- Auto-FX routing
- Merchant and customer wallets
- Virtual account numbers
Merchant Onboarding & Compliance
- KYC/KYB checks
- Document uploads
- Business verification
- Risk scoring
- Compliance engine (AML/CTF, GDPR, UK GDPR)
Payouts & Settlements
- Instant payouts
- Multi-currency payouts
- Scheduled settlements
- Bulk payouts
Invoicing & Billing
- Multi-currency invoicing
- Payment links
- Auto-reminders
- Client portal
Subscription Engine
- Usage-based billing
- Recurring payments
- Dunning workflows
Telecom Billing (ZoikoNex Integration)
- Top-ups
- Bundles
- Failed charge recovery
- Multi-brand billing
Architecture & Engineering
Payment-grade reliability with enterprise-scale performance
Global Transaction Fabric™
Unified payment orchestration
Merchant Graph™
Relationship and compliance mapping
Wallet Engine
Multi-currency balance management
Subscription Engine
Recurring billing and usage tracking
FX Routing Engine
Real-time currency conversion
Payout Engine
Settlement and disbursement
Integration & Data Layers
Integration Layer
- Card networks
- Banking partners
- Mobile money APIs
- KYC/KYB providers
Data Layer
- Ledger
- Wallet balances
- Transaction logs
- FX tables
- Merchant profiles
Security Layer
- IAM/SSO
- Audit trails
- Encryption (AES-256, TLS)
- PCI-DSS control zone
Industry Use Cases
Powering payments across diverse business sectors
E-commerce
- Checkout optimization
- Split payments
- Seller wallets
Telecom/MVNOs
- Carrier billing
- Multi-brand wallets
- Top-ups and add-ons
Travel/eSIM
- Micro-transactions
- Global FX routing
Professional Services
- Invoicing & payment links
- Multi-currency billing
Marketplaces
- Multi-seller settlements
- Escrow services
NGOs
- Donation flows
- Bulk payouts
Pricing & Monetisation
Transparent pricing that scales with your business
ZoikoPay Standard
- Basic payments
- Wallets
- Invoicing
- Standard support
ZoikoPay Business
- Multi-currency payments
- FX routing
- Subscription billing
- Payout automation
- Priority support
ZoikoPay Enterprise
- Custom pricing
- Multi-region routing
- Dedicated account manager
- SSO & RBAC
- 24/7 support
Add-ons
Compliance & Governance
Built to meet the highest financial industry standards
Compliance
- PCI-DSS Ready
- GDPR/UK GDPR aligned
- AML/CTF compliant
- Country-level compliance modules
Risk & Governance
- Fraud triggers
- Risk scoring
- KYB/KYC workflows
- Audit-ready logs
Data Control
- End-to-end encryption
- Data retention policies
- Region-based residency
- Privacy controls
Developer & API Hub
Comprehensive APIs and tools for seamless integration
API Coverage
/paymentsProcess payments/walletsWallet management/fxCurrency conversion/payoutsDisbursements/invoicesInvoicing system/subscriptionsRecurring billing/merchantsMerchant managementSDKs & Tools
SDKs
- JavaScript SDK
- Python SDK
- PHP SDK
Developer Tools
- API explorer
- Webhook inspector
- Sandbox environment
- Testing utilities
Ready to Transform Your Payment Infrastructure?
Join leading businesses worldwide who trust ZoikoPay for their financial operations