---
title: "ZirooPay: Mobile POS and Card Payments"
description: "Accept EMV card payments offline in Nigeria via secure GSM. Chip/PIN, contactless & magstripe; Mastercard, Visa, Verve, Discover. Send SMS/email receipts."
canonical_url: "https://liners.com/ziroopay"
markdown_url: "https://liners.com/ziroopay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/ziroopay/screenshot.webp?v=1773249150830"
published_at: "2026-03-12T07:07:44.796Z"
updated_at: "2026-10-05T05:13:13.188Z"
---

# ZirooPay: Mobile POS and Card Payments

Accept EMV card payments offline in Nigeria via secure GSM. Chip/PIN, contactless & magstripe; Mastercard, Visa, Verve, Discover. Send SMS/email receipts.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [ZirooPay](/ziroopay)

## Summary

Accept card payments anywhere, even without internet

A mobile point-of-sale app for Nigerian small businesses to accept EMV card payments offline via GSM, send e-receipts, and track sales with analytics and exports.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.ziroopay.com/ |
| Tagline | Accept card payments anywhere, even without internet |
| Primary country | Nigeria |
| Platforms | Android, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Offline-Capable](/tags/offline-capable): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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