ZOYK

Power Every Transaction, Anywhere in Africa

From cash and mobile money to smart POS, Zoyk unifies your payment experience across channels, currencies, and countries.

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  • 15+ Countries Supported
  • 30+ Payment Modes
  • PCI DSS Certified
  • Payment Received

Fast and Secure

Zoyk is a next-generation payment infrastructure provider launched in Zambia in 2021.

We help businesses across Africa and the Middle East accept, manage, and grow digital transactions in both online and offline environments. Our platform brings together payments, digital wallets, agency banking, and value-added services into one flexible ecosystem, built to simplify operations, drive inclusion, and support scalable growth.

Book a free demo

ZOYK BENEFITS

Accept, Route, and Reconcile Every Transaction Online or Offline

Zoyk’s gateway aggregates mobile money, card payments, bank transfers, and vouchers into a single point of control.

Build Wallet-Based Experiences With Lending, Loyalty, and Bill Pay

Our digital wallet platform powers mobile-first financial services, branded wallets, and embedded finance use cases.

Bring Payments to the Last Mile With Portable, Intelligent Terminals

Zoyk’s smart POS devices support multiple payment modes, offline processing, and agent commissions, all pre-integrated with our backend.

Keep Customers Informed, Secure, and Engaged

Our Value-Added Services (VAS) module handles the communications and notifications that make your financial operations work.

Move Fast Without Compromising Trust

Zoyk helps you stay fully compliant with PCI DSS standards and regional KYC/AML frameworks, with tools that scale.

Launch, Monitor, and Manage With Full Visibility

Zoyk’s gateway aggregates mobile money, card payments, bank transfers, and vouchers into a single point of control.

Your Growth Shouldn’t Be Held Back by Infrastructure
Zoyk removes the technical and geographic roadblocks holding your business back.

LEARN MORE

We’ve Got a Solution for Your Industry

Whether you’re running a shop, managing a network of agents, or building the next great fintech app, Zoyk is built for you.

Book a free demo

For merchants

Zoyk enables you to accept payments from any device and across all major channels: mobile money, cards, or cash. With automatic settlement and one-time integration, you can scale effortlessly across regions.

For agents

Our smart, portable POS devices are optimized for mobility and offline functionality. Earn commissions, unlock loyalty rewards, and grow your income by providing vital financial services to your community.

For platforms and developers

Zoyk offers flexible APIs, prebuilt widgets, and powerful dashboards. With one integration, you unlock every payment type and the ability to launch and scale faster than ever.

Trusted by innovators across Africa to move faster, serve better,
and scale smarter.

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Zoyk is a next-generation payment infrastructure provider launched in Zambia in 2021.

We help businesses across Africa and the Middle East accept, manage, and grow digital transactions in both online and offline environments. Our platform brings together payments, digital wallets, agency banking, and value-added services into one flexible ecosystem, built to simplify operations, drive inclusion, and support scalable growth.

Book a free demo

ZOYK BENEFITS

Accept, Route, and Reconcile Every Transaction Online or Offline

Zoyk’s gateway aggregates mobile money, card payments, bank transfers, and vouchers into a single point of control.

Build Wallet-Based Experiences With Lending, Loyalty, and Bill Pay

Our digital wallet platform powers mobile-first financial services, branded wallets, and embedded finance use cases.

Bring Payments to the Last Mile With Portable, Intelligent Terminals

Zoyk’s smart POS devices support multiple payment modes, offline processing, and agent commissions, all pre-integrated with our backend.

Keep Customers Informed, Secure, and Engaged

Our Value-Added Services (VAS) module handles the communications and notifications that make your financial operations work.

Move Fast Without Compromising Trust

Zoyk helps you stay fully compliant with PCI DSS standards and regional KYC/AML frameworks, with tools that scale.

Launch, Monitor, and Manage With Full Visibility

Zoyk’s gateway aggregates mobile money, card payments, bank transfers, and vouchers into a single point of control.

Your Growth Shouldn’t Be Held Back by Infrastructure
Zoyk removes the technical and geographic roadblocks holding your business back.

LEARN MORE

We’ve Got a Solution for Your Industry

Whether you’re running a shop, managing a network of agents, or building the next great fintech app, Zoyk is built for you.

Book a free demo

For merchants

Zoyk enables you to accept payments from any device and across all major channels: mobile money, cards, or cash. With automatic settlement and one-time integration, you can scale effortlessly across regions.

For agents

Our smart, portable POS devices are optimized for mobility and offline functionality. Earn commissions, unlock loyalty rewards, and grow your income by providing vital financial services to your community.

For platforms and developers

Zoyk offers flexible APIs, prebuilt widgets, and powerful dashboards. With one integration, you unlock every payment type and the ability to launch and scale faster than ever.

Trusted by innovators across Africa to move faster, serve better,
and scale smarter.

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