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FINANCIAL INFRASTRUCTURE

Accept payments.
Transfer instantly.
Build faster.

Cards, wallets, and payment links. Manage every payment in one place.

120ms Latency
·
AES-256 Encryption
·
140+ Supported Currencies
TXN #ZP-9824
Live Gateway
POST /v1/checkout/sessions
Amount
$1,250.00
3D Secure 2.2
Ready for payment
✓ Create Checkout session
201 Created
✓ Smart routing & 3D Secure 2.2
Authorized
✓ Signed webhook dispatch
200 OK

Data Encryption

Protect financial data with AES-256 and TLS 1.3.

Two-factor authentication

An extra layer of protection for your account.

Signed webhooks

Verify payment notifications with HMAC signatures.

PCI-DSS Controls

Tokenized payments keep card data off your server.

Visa Mastercard Apple Pay MTN Mobile Money Airtel Money Bank Transfer / IBANBank Transfer / IBAN BitcoinTether USDCrypto
TRANSACTION LIFECYCLE

From link to payment

Create, share, and track payments in four steps.

1. Create & Share

Create a payment link or QR code.

pay.zolnapay.com/c/…

2. Smart Routing

Let customers choose their payment method.

Multi-Rail Routing

3. 3DS Authentication

Verify eligible payments with 3D Secure.

HMAC Signed Webhook

4. Track settlement

Follow payment status and balance updates.

Available Balance Updated
UNIFIED PLATFORM

One dashboard. Every payment.

Manage payments, balances, and your team together.

merchant.zolnapay.com/login

Sign In to Merchant Portal

Fast, secure access via email, Google, or Enterprise SSO.

Google Microsoft Entra GitHub LinkedIn
Open dashboard

Set up your business

Verify your details and activate payment methods.

1. Commercial Registry & Identity Completed ✓
2. Settlement Bank Account (IBAN) Verified ✓
3. Card & Mobile Money Channels Ready to Activate

API documentation

Complete reference for creating checkout sessions, receiving webhooks, and managing transactions in Python, Node, and PHP.

ACCEPTANCE RAILS

More ways to pay

Offer the payment methods your customers use.

Credit & Debit Cards

Global Visa and Mastercard acceptance with instant tokenization and 3D Secure.

Global

Mobile Money & Wallets

Direct local mobile wallets with phone-number verification and instant settlement.

Instant

Smart Payment Links

Ready-to-share short URLs and QR codes requiring zero code or server setup.

No-Code

Subscriptions & Billing

Automated recurring billing cycles, smart dunning schedules, and proration.

Recurring

Digital Assets (Crypto)

Accept Bitcoin and USDT with automated conversion and USD settlement.

USD Settlement

Bank Transfer & IBAN

Direct bank rail settlements with automatic reconciliation against invoice numbers.

Direct
BUILT FOR SCALE

Built for your business

Tools for merchants, platforms, and developers.

Business & Retail

For Merchants

Sell online, share links, and track payouts.

  • Instant payment links with zero code
  • One-click automated bank and wallet payouts
  • Real-time sales alerts and transaction streams
Register as Merchant
Multi-vendor & SaaS

For SaaS & Platforms

Manage accounts, revenue splits, and team access.

  • Multi-party balance management & automated fee splits
  • Granular team permissions and audit logging
  • Consolidated financial ledgers and tax reconciliation
Enterprise Platform Inquiry
Engineering Teams

For Engineering Teams

Integrate with APIs, webhooks, and a test environment.

  • Clean, documented RESTful /v1 JSON API
  • HMAC-SHA256 signed webhook events
  • Fully isolated Sandbox environment
Explore Developer Docs
PLATFORM CAPABILITIES

Tools to grow

From your first payment to recurring revenue.

No-Code Commerce

Payment links & QR

Share a branded checkout by link or QR code.

  • ✓
    Instant Link Sharing via any communication channel Built-in tracking for visits, conversions, and campaign attribution
  • ✓
    High-density QR code for mobile camera scanning Direct buyer redirection to seamless high-conversion checkout
  • ✓
    Hosted, mobile-optimized checkout branded with your logo Optimized mobile-first payment UX with higher approval rates
Live Sample Payment Link
https://pay.zolnapay.com/c/pro-tier-2026
Create New Link
Core Financial Ledger

Balances & payouts

Track available, pending, and reserved funds in one view.

  • ✓
    Real-time balance updates upon transaction confirmation Immutable audit ledger for all credit and debit movements
  • ✓
    Segregated risk reserves and rolling hold protections Segregated fiduciary holding of merchant funds
  • ✓
    One-click payouts to local bank accounts and IBANs Fast payouts dispatched on automated custom schedules
Available for Withdrawal
$24,850.00
Pending Balance
$1,420.00
Security Reserve
$500.00
All transactions recorded in SOC2 & PCI-DSS compliant double-entry ledger
Engineering First

API & webhooks

Connect your app and test payment events before launch.

  • ✓
    Cryptographically signed webhooks prevent replay attacks Cryptographic signature verifying webhook payload authenticity
  • ✓
    Sub-50ms event latency across global edge points Sub-50ms latency across global edge endpoints
  • ✓
    Isolated Sandbox mode for safe pre-production testing Isolated sandbox keys to simulate all checkout edge cases
Open docs.zolnapay.com
curl -X POST https://api.zolnapay.com/v1/checkout/sessions \
  -H "Authorization: Bearer zp_live_sec_9081a2f..." \
  -H "Content-Type: application/json" \
  -d '{
    "amountCents": 2500,
    "currency": "usd",
    "customerEmail": "buyer@example.com",
    "paymentMethods": ["card", "mobile_money"]
  }'
Recurring Revenue Engine

Subscriptions

Manage recurring plans and retry failed payments.

  • ✓
    Automated recurring billing cycles with proration support Automated recurring renewal cycles and tax invoices
  • ✓
    Intelligent dunning and card recovery workflows Smart dunning recovery recovering up to 78% of failed cards
  • ✓
    Real-time MRR, ARR, and subscriber churn telemetry Real-time subscriber churn analytics and MRR growth tracking
Pro Business Suite
$49.00
Monthly
Active Subscribers 1,420 active
Dunning Recovery Rate 78.4%
DEVELOPER ONBOARDING

Get started in five steps

Set up, test, and activate your account.

1. Register Account

Instant merchant registration with team authentication.

2. Business Profile

Submit verification details for your legal entity.

3. Sandbox Testing

Simulate payments, webhooks, and refunds using test API keys.

4. Compliance Review

Automated and officer verification to enable production rails.

5. Live Acceptance

Swap your keys to live and accept real customer payments globally.

FREQUENTLY ASKED QUESTIONS

Common questions

Getting started, payment methods, and fees.

No. You can create and share no-code smart payment links directly from the Merchant Dashboard in seconds. The API is optional for businesses building custom web or mobile checkout flows.
ZolnaPay supports Visa, Mastercard, Apple Pay, local mobile money wallets, recurring subscriptions, direct bank transfer, and cryptocurrency (BTC/USDT) settled in USD.
Yes. Both the Merchant Dashboard and the Hosted Checkout feature complete native Arabic and English support with exact typographical alignment.
Every new account includes isolated Sandbox API credentials. You can trigger simulated 3DS approvals, test card declines, and mock webhook deliveries without processing real money.
Channel fees are clearly stated per transaction with zero hidden charges. Available funds can be paid out directly to your local bank account or wallet according to your chosen payout schedule.
MOBILE COMPANION

Your business, on the go

Track payments and share QR codes from your phone.

Download for Android Open web app

Ready to get started?

Bring your payments together with ZolnaPay.