The #1 payment services provider for governments and businesses.

Zoyk helps organizations collect, move, and settle payments securely and in line with regulations across Southern Africa.

TRUSTED BY OUR PARTNERS

Our Payment Solutions for Southern Africa

Payments in Southern Africa don’t always happen online. Many places rely on cash, offline systems, and slow or unstable networks. Zoyk provides infrastructure that adapts to these realities.

Online Payment Gateway

Helps businesses accept secure payments on websites and digital platforms, including mobile money and cards.

Android Soft POS

Enables card and in-person payments. Works even in low or no-internet areas while keeping full records.

MWallet

A digital wallet that supports payments and settlements and connects smoothly with other Zoyk services.

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ZOYKPAY BENEFITS

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Instant

No more delays. Real-time value movement.

Simple

Removing bureaucratic hurdles from finance.

Borderless

Unrestricted payment flows across the region

One System. Many Uses

Zoyk helps organizations collect and manage everyday payments using one simple
system that integrates with the tools they already use, so there is no need to change existing systems.
Zoyk is used to collect payments for

Government services

Taxes, statutory payments, and council fees across ministries and public agencies.

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Public utilities and services

Electricity, water, TV subscriptions, school fees, and other recurring bill payments.

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Retail shops and value chains

Everyday payments in supermarkets, fuel stations, and service outlets using POS.

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Multi-currency and cross-border trade

Payments and settlements in ZMW, ZAR, TZS, MWK, and USD across Southern Africa.

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Zoyk Meets Local & International Standards

  • Complies with local regulatory requirements in markets where Zoyk operates

  • Meets global payment security standards, with PCI DSS certification

  • Supports compliant payment operations even in low-connectivity environments

Operating with intent

Zoyk operates across key SADC markets, with active deployments in Zambia, DRC, Tanzania, Malawi, Zimbabwe, and South Africa.

Zambia

Malawi

DR Congo

Tanzania

Zimbabwe

South Africa

Looking to roll out a secure payment
system at scale?