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API infrastructure for NFC tap-to-pay across Africa
Zainpay
A Nigeria-focused payment infrastructure platform that helps businesses accept card payments, bank transfers, virtual accounts, and POS payments with instant settlement.
Zainpay Product Overview
Is Zainpay Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian businesses
- Online checkout teams
What It Does Well
- Card payments
- Bank transfer payments
Things to Check
- Supported card types
- Settlement timing details
About Zainpay
Zainpay is a Nigeria-focused fintech payment infrastructure platform for businesses that need to accept and manage payments across online and in-person channels.
Key capabilities include:
- Multi-channel payment acceptance, including cards, bank transfers, virtual transitory and permanent wallets (virtual accounts), and POS terminals for walk-in customer payments
- Instant settlement with low charges and stated 99.9% reliability, designed for fast collections and predictable cash flow
- Security and compliance through PCI-DSS compliant systems, including secure checkouts and payment data encryption for card payment processing
- In-person payment tools via POS terminals that support card payments, printing receipts for bank transfers, and payment tracking for physical locations
Available on Web (via https://zainpay.ng/login dashboard), with APIs for developers and POS for in-person collections.
It targets SMEs, startups, innovators, financial institutions, businesses, and government organizations operating in Nigeria that need payment acceptance, settlement, and payment workflow infrastructure.
Notable in the Nigerian market context, it is licensed by the Central Bank of Nigeria (CBN), states PCI-DSS certification, and is powered by Betastack Technology, positioning it as an infrastructure provider for regulated payment processing and settlement in Nigeria.
Zainpay Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
What it does
African alternative to
Pricing & Fees
Variable pricingPricing varies: Virtual Accounts: 1.4% + NGN 50, capped at NGN 1,500; N50 fee waived for transactions under N 500.00. NGN Card Payments: 1.5% + NGN 50, capped at NGN 1,900. Transfers: NGN 25 per transfer; internal virtual account transfers free; external bank transfers subject to NGN 25. USD/EUR/GBP Card Payment: 4.8% per transaction.
Recent Reviews for Zainpay
Reviews reflect each reviewer's opinion. Companies cannot pay to alter or remove reviews. A verified review includes proof that Liners checked to an extent. Learn how reviews work3.6
Great · 1 review
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How is the score calculated?
Every product starts at a 3.5-star baseline worth 7 reviews. Each approved review pulls the score toward the real average, so a product with one 5-star review shows about 3.7.
Learn how reviews workG
Ghallebomolla
NG · 2 reviews
Jun 1, 2026
It provides a solid all-in-one infrastructure for accepting both online and in-person payments, which has helped us unify our payment operations instead of juggling multiple providers.
Frequently Asked Questions About Zainpay
Zainpay is a digital banking platform that provides payment processing infrastructure for businesses. It allows merchants to accept payments through multiple methods including debit and credit cards, USSD transactions, and bank transfers, with features like embedded wallets, automated settlement, and transaction reconciliation.
Zainpay operates primarily in Nigeria.
To sign up for Zainpay, simply visit their registration portal, fill out the form with your company's details, email address, and password, and submit the required KYC documents to complete your verification.
Zainpay is designed for SMEs, startups, innovators, and organizations that need to quickly launch payment processing products or integrate payment capabilities into their services.
Send an email tosupport@zainpay.ng for support.
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