---
title: "Zone: POS and ATM Transaction Routing in Nigeria"
description: "Route POS and ATM transactions bank-to-bank in Nigeria with instant, same-day settlement, compliance checks, and automated reconciliation."
canonical_url: "https://liners.com/zone"
markdown_url: "https://liners.com/zone.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/zone/screenshot.png?v=1772287366474"
published_at: "2026-02-28T14:06:01.143Z"
updated_at: "2026-08-30T16:31:51.070Z"
---

# Zone: POS and ATM Transaction Routing in Nigeria

Route POS and ATM transactions bank-to-bank in Nigeria with instant, same-day settlement, compliance checks, and automated reconciliation.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Zone](/zone)

## Summary

Regulated blockchain rails for direct bank-to-bank payments

A regulated blockchain payment infrastructure for banks and fintechs in Africa to route POS and ATM transactions directly, with instant settlement and compliance checks.

## Product details

| Field | Value |
| --- | --- |
| Website | https://zonenetwork.com/ |
| Tagline | Regulated blockchain rails for direct bank-to-bank payments |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

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

## Related pages

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

## Access and citation

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