Zoyk represents motion
reflecting how payments should move: smoothly, reliably, and
without friction.
“It speaks to progress, direction, and
the constant movement of value across
systems, borders, and everyday transactions.”
CLIVE NABALE - Co-Founder and CEO
Zoyk was born from a simple observation: payments in Southern Africa are often fragmented and friction-filled. We set out to build a system that doesn’t just process transactions, but enables economic momentum.
Our Journey
Foundation
Founded in Zambia as a locally owned payment technology company.
Development
Developed payment tools for web, mobile, USSD, SMS, QR, and POS transactions.
Licensing & Expansion
Licensed as a Payment Service Provider in Zambia. Connected with regional partners in Malawi, Tanzania, Zimbabwe, South Africa, and DR Congo.
Scaling
Grew agent and merchant networks, with hundreds of active agents in Zambia and plans to scale regionally.
Strategic partnerships
Partnered with Smart Zambia Institute. Strengthened card payment services through collaboration with Visa, Mastercard, and local mobile network operators like Airtel, MTN, Zamtel, and Orange.
2021
Foundation
Founded in Zambia as a locally owned payment technology company.
2022-2023
Development
Developed payment tools for web, mobile, USSD, SMS, QR, and POS transactions.
2024
Licensing & Expansion
Licensed as a Payment Service Provider in Zambia. Connected with regional partners in Malawi, Tanzania, Zimbabwe, South Africa, and DR Congo.
2025
Scaling
Grew agent and merchant networks, with hundreds of active agents in Zambia and plans to scale regionally.
2026
Strategic partnerships
Partnered with Smart Zambia Institute. Strengthened card payment services through collaboration with Visa, Mastercard, and local mobile network operators like Airtel, MTN, Zamtel, and Orange.