The Global Payments Intelligence Platform
Enterprise-grade infrastructure for global commerce. AI-powered insights. Unified across borders and platforms.
- Licensed Payments Institution
- PCI DSS Certified
- Licensed Payments Institution
- PCI DSS Certified
- Global Compliance
- AES-256 encryption
- Real-time fraud protection
- Built by ZoikoTech
- AES-256 encryption
- Real-time fraud protection
- Built by ZoikoTech
Commerce is Global Payments shouldn't be complicated
ZoikoPay is the intelligent payments layer combining global infrastructure, AI-powered insights, and ecosystem integration.
Global Payments Infrastructure
Comprehensive coverage across payment rails, intelligent routing, transparent FX, and real-time settlement in 150+ countries.
- Multi-rail payment processing
- Smart routing optimization
- Transparent foreign exchange
- Real-time settlement
Explore Infrastructure →
AI-Powered Intelligence Layer
Machine learning models for predictive analytics, anomaly detection, and intelligent recommendations to optimize your payment flows.
- Predictive cash flow forecasting
- Real-time fraud detection
- Anomaly monitoring
- Smart recommendations
Discover AI Features →
Ecosystem-Native Architecture
Built for seamless integration with comprehensive APIs, webhooks, developer sandbox, and white-label capabilities.
- RESTful & GraphQL APIs
- Real-time webhooks
- Developer sandbox
- White-label solutions
View Documentation →
Built for every stage of your journey
Choose the path that matches your needs
Consumers
Consumers
Send, receive, and manage money globally with intelligent insights and zero hidden fees.
- Instant global transfers
- Multi-currency wallet
- AI spending insights
- Fraud protection included
Get Started →
Businesses
Businesses
Accept payments globally, automate reconciliation, and scale with confidence.
- Accept 100+ payment methods
- Automated invoicing & billing
- Real-time analytics dashboard
- Same-day settlement
Start Accepting →
Enterprises
Enterprises
Enterprise-grade infrastructure with dedicated support and custom integration.
- Dedicated infrastructure
- Custom compliance solutions
- Priority support (99.99% SLA)
- White-label options
Request Demo →
Developers
Developers
Build with powerful APIs, comprehensive documentation, and developer-first tools.
- RESTful & GraphQL APIs
- Comprehensive SDKs
- Interactive sandbox
- 24/7 developer support
View Docs →
Powering the Zoiko Ecosystem
Seamless integration across platforms for unified commerce experiences
ZoikoSuite
Unified business management with integrated payments, invoicing, and financial reporting.
Learn More →
BookingOrbit
Travel and hospitality bookings with secure payment processing and instant confirmation.
Explore Platform →
ZoikoTV
Streaming and content monetization with subscription management and pay-per-view.
Discover More →
ZoikoTime
Workforce management and payroll with automated payments and compliance.
View Features →
ZoikoSocial
Social commerce and creator monetization with seamless payment integration.
Get Started →
Enterprise-grade security & compliance
Built to meet the highest standards of security and regulatory compliance
Licensing & Regulation
Fully licensed as a Payments Institution with regulatory oversight and compliance across multiple jurisdictions.
View Licenses →
Security Infrastructure
AES-256 encryption, PCI DSS Level 1 certification, and continuous security monitoring.
Security Details →
Fraud Protection
AI-powered fraud detection with real-time monitoring and multi- layered authentication.
Learn More →
Compliance & Safeguarding
Client funds safeguarded in segregated accounts with tier-1 banking partners.
Compliance Overview →
Processed Monthly
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Countries Supported
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Active Businesses
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Platform Uptime
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Testimonials
ZoikoPay's intelligent routing reduced our payment failures by 40% and gave us unprecedented visibility into our global cash flows.
The API documentation and developer experience are exceptional. We integrated in days, not months.
Enterprise-grade compliance without the enterprise complexity. ZoikoPay made global expansion seamless.
Start building the future of payments today
Join thousands of businesses processing billions in payments with ZoikoPay
- No credit card required
- Free sandbox access
- 24/7 support
- No credit card required
- Free sandbox access
- 24/7 support