ZirooPay

ZirooPay is a mobile payments and point-of-sale solution for Nigerian merchants and small business owners who need to accept card payments in-store or on the move.

Key capabilities include:

• EMV-certified card payments using an EMV Level 1 and 2 certified portable card reader that supports chip and PIN, contactless, and magstripe, and accepts debit, credit, and loyalty cards on Mastercard, Visa, Verve, and Discover.
• No-internet transactions; when data is unavailable, the app routes payments through pre-configured secure GSM channels so businesses can keep selling in low-connectivity areas.
• Simple POS tools to create a product menu with images and categories, apply VAT, discounts, and tips, and handle refunds, cash advance, and cashback.
• Receipts and reporting with customizable e-receipts sent by SMS or email, plus real-time sales tracking, visual analytics, reporting, and Excel export.

Available on Android (phones and tablets), with a merchant web portal for login and account access.

Built for SMEs, retailers, and field sellers serving consumers, it is notable in Nigeria for enabling card acceptance without an internet connection while aligning with NIBSS and PCI-DSS requirements and using end-to-end cryptographic protection and DUKPT encryption on the terminal.