A regulated blockchain payment infrastructure for banks and fintechs in Africa to route POS and ATM transactions directly, with instant settlement and compliance checks.
Zone Product Overview
Is Zone Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian banks
- Fintech payment teams
What It Does Well
- Direct bank-to-bank routing
- POS transaction rails
Things to Check
- Bank integration requirements
- Supported POS providers
About Zone
Zone Payment Network is a regulated, layer-1 blockchain payment infrastructure for banks, fintechs, payment processors, and other financial institutions in Africa that need reliable transaction routing and settlement without relying on a central intermediary.
Key capabilities include:
- Decentralized transaction routing that connects financial institutions directly for peer-to-peer processing, designed to reduce single points of failure.
- Instant settlement and automated reconciliation to reduce back-office work and help limit disputes. For POS, the platform positions this as zero chargebacks or chargeback fraud and same-day settlement.
- Interoperability with legacy systems plus native settlement tokens and programmatic regulation, intended to support compliance requirements while operating on blockchain rails.
- Channel products for card-present payments:
- ZonePOS, a decentralized payment gateway for card POS transactions with direct card routing to issuers and automated reconciliation.
- ZoneATM, decentralized switching for ATM cash-withdrawal transactions, aimed at improving reliability and lowering switching costs.
Available via Web and API (developer documentation is provided).
Target users include African banks, fintech companies, payment processors, and regulators integrating POS and ATM payment channels.
Notable in the Nigerian market context, the network is licensed by the Central Bank of Nigeria (switching and processing license) and reports PTSA compliance via NIBSS partnership for POS transactions, alongside a stated 99.99% technical transaction success rate. It also raised $8.5 million in seed funding (March 2024) to expand its regulated blockchain payment infrastructure across Africa.
Zone Facts
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Zone Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataZone has raised $8.5M across 1 recorded funding event. The latest was Seed in Mar 2024.
- Total Raised:
- $8.5M
- Latest Round:
- Seed
Zone Investors & Funding Rounds
Zone Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataSign in to see all 8 team members
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Latest Zone News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. How we source dataJobs at Zone
| Title | Posted |
|---|---|
| Information Security Analyst | Feb 1, 2026 |
| Quality Assurance Engineer | Nov 6, 2025 |
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Frequently Asked Questions About Zone
Zone is a regulated blockchain network that enables payments and acceptance of digital currencies for financial service providers. It works by allowing banks, fintechs, and other institutions to connect directly for peer-to-peer transactions, automating settlement, reconciliation, and dispute management while supporting channels like POS, ATM switching, and interbank transfers.
Zone operates in Nigeria and is expanding across Africa.
To sign up for the Zone Payment Network, financial institutions, fintechs, and Outbound Financial Institutions (OFIs) must reach out directly to the company's business and sales teams, as there is no public self-service signup porta
Zone is best suited for banks, fintech companies, and other financial service providers needing reliable payment processing.
Send an email to info@zonenetwork.com for support.
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