ZOYK

Local Payments
Global Standards
Zoyk Delivers Both

Zoyk helps organizations streamline payments, distribute funds, manage wallets, and deliver real-time financial services in markets where traditional infrastructure can’t keep up.

Our Key Offerings

Online Payment Gateway

Zoyk’s Online Payment Gateway empowers businesses to accept and manage digital payments across channels with a single, powerful interface. It’s built for reliability, speed, and real-time visibility, whether you’re collecting payments from end-users or reconciling bulk transactions across departments.

Ideal For: eCommerce platforms, government billers, utilities, gaming platforms, and multi-branch retailers.

What You Can Do:

  • Integrate mobile money, bank, and card payments into any app or web platform.
  • Offer checkout flows that auto-detect preferred local payment channels (USSD, QR, wallet, etc.).
  • Schedule recurring or batch payment collections with automatic retries.
  • Access a central dashboard with real-time visibility into transaction statuses.
  • Resolve disputes quickly with automated chargeback workflows.
Book a free demo
Book a free demo

mWallet / Digital Banking Platform

Our modular wallet infrastructure allows you to launch your own branded digital wallet with value-added features such as micro-lending, airtime purchases, rewards programs, and digital savings, without building the technology from scratch.

Ideal For: Telcos, MFIs, banks, merchant networks, and consumer platforms.

What You Can Do:

  • Onboard users through KYC-compliant flows with ID and biometric capture.
  • Let users store balances, make peer-to-peer transfers, or pay bills.
  • Issue and manage virtual cards, tokens, or loyalty points within the wallet.
  • Embed lending logic with scoring models for small-ticket loans.
  • Manage wallet operations with automated fraud monitoring and limit rules.

Smart POS + Agent Network

Zoyk’s POS and agent management stack is purpose-built to expand access to financial services in underserved areas. We supply rugged smart terminals and give you the backend to deploy, track, and scale an agent network efficiently.

Ideal For: Distributors, banks, insurance firms, FMCG brands, NGOs, and payment aggregators.

What You Can Do:

  • Deploy agents who can collect payments, dispense cash, and register users.
  • Track activity by location, time, and revenue performance.
  • Set agent hierarchies, commission structures, and settlement timelines.
  • Push product updates or rate changes remotely to all terminals.
  • Generate compliance-ready transaction logs and agent KYC data.
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Built for Africa,Designed to Scale

Zoyk is more than a payment processor. It’s the infrastructure layer powering secure, flexible, and localized financial systems across Africa and the Middle East.

Fully Compliant

We’re PCI DSS certified, with built-in tools for KYC, AML, and local reporting, so you stay compliant without slowing down.

Modular by Design

Only need a wallet? Start there. Need POS terminals, value-added services, or additional integrations later? Add as you grow; no rebuilds are needed.

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.

One Partner for Everything You Need

Zoyk bridges digital infrastructure gaps by offering a full-stack platform: from API payments to rural POS networks, wallet services to compliance dashboards. We help fintechs, telcos, corporates, and government bodies execute payments with speed, control, and confidence.

Frequently Asked Questions

Which regions does Zoyk currently serve?

We’re fully operational in Zambia, Zimbabwe, Angola, Kenya, and expanding into West and Francophone Africa.