---
title: "Zainpay: Card Payments, Bank Transfers and POS"
description: "Accept cards, transfers, virtual accounts and POS payments in Nigeria with instant settlement. Fees: 1.4%+₦50 (cap ₦1,500); ₦25/transfer."
canonical_url: "https://liners.com/zainpay"
markdown_url: "https://liners.com/zainpay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/zainpay/screenshot.webp?v=1772269159496"
published_at: "2026-03-12T22:15:56.028Z"
updated_at: "2026-10-06T16:03:01.052Z"
---

# Zainpay: Card Payments, Bank Transfers and POS

Accept cards, transfers, virtual accounts and POS payments in Nigeria with instant settlement. Fees: 1.4%+₦50 (cap ₦1,500); ₦25/transfer.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Zainpay](/zainpay)

## Summary

Accept card, transfer, wallet, and POS payments in Nigeria

A Nigeria-focused payment infrastructure platform that helps businesses accept card payments, bank transfers, virtual accounts, and POS payments with instant settlement.

## Product details

| Field | Value |
| --- | --- |
| Website | https://zainpay.ng/ |
| Tagline | Accept card, transfer, wallet, and POS payments in Nigeria |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating | 4 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

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](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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/zainpay/alternatives)
- [Reviews](/zainpay/reviews)
- [Transparency](/zainpay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/zainpay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)