Flexible Payment and Communication Services Built for Real Growth
Whether online, offline, or through local agents, Zoyk helps you collect payments, manage customer flows, and expand across Africa and the Middle East all from one unified platform.
Accept Payments Anywhere. Settle Instantly. Scale On Your Terms.
Zoyk empowers merchants to create seamless payment experiences across multiple customer touchpoints whether it’s a retail store, fuel station, hotel front desk, or online checkout.
- Accept All Major Payment Methods Mobile money (M-Pesa, Airtel Money, MTN), cards (Visa, Mastercard, UnionPay), vouchers, and cash.
- Enjoy Real-Time Settlement No more waiting days to access your funds
- Automate Reconciliation Track daily inflows, auto-match transactions, and export reports effortlessly.
- Run a True Omnichannel Operation One dashboard for your in-person, online, and agent-based transactions.
PCI DSS Certified
Instant alerts for transactions
Multicurrency support
Build a Business by Enabling Payments for Others
Zoyk’s agency network gives entrepreneurs the tools they need to become mobile bankers reaching communities where traditional banks can’t.
- Pre-configured Smart POS Terminals Accept mobile money, cash, and card payments in seconds.
- Transaction Commissions & Loyalty Rewards Earn every time you serve a customer.
- Cash-in / Cash-out Capabilities Help users deposit, withdraw, or transfer across wallets and banks.
- Access to a Network of Merchants Agents can process bill payments, airtime top-ups, school fees, and more.
Terminals work in low-connectivity areas
24/7 agent support and onboarding assistance
Rewards programs that grow with usage
Build, Launch, and Scale Custom Payment Experiences
Whether you’re developing a ride-hailing app, building a telco wallet, or running a gig marketplace, Zoyk gives you the backend infrastructure to launch fast and scale with confidence.
- One Unified API Connect to all payment channels: mobile money, cards, bank transfers and vouchers.
- Prebuilt Widgets & SDKs Launch without rebuilding checkout from scratch.
- Smart Dashboards Monitor transactions, track fraud, manage compliance, and control flows.
- Sandbox Environment: Test your setup safely before going live.
White-label wallet infrastructure
Localized compliance support (KYC, AML, PSD2 equivalents)
Real-time error reporting and developer support
Enhance Every Transaction With
Notifications, Security, and Communication Tools
Zoyk’s VAS layer gives you everything you need to stay connected with your customers and compliant with local regulations.
No third-party
tools required
Instant onboarding
for VAS tools
Works seamlessly with payment
and wallet modules
Available Sevices
- SMS Alerts & Email Receipts Keep users informed of every transaction.
- One-Time Passwords (OTPs) Secure logins, payments, and sensitive actions.
- Credential Management Password resets, login reminders, and secure access recovery.
- Custom Notification Rules Send messages based on events, user actions, or transaction types.