Payment infrastructure for governments and businesses in Southern Africa to collect, move, and settle secure payments across cash, digital, and offline channels.
Zoyk Product Overview
Is Zoyk Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Government payment teams
- Utility bill collectors
What It Does Well
- Offline payment collection
- Point-of-sale payments
Things to Check
- Supported offline workflows
- Cash handling options
About Zoyk
Zoyk is a payment services provider and payment infrastructure platform for governments and businesses in Southern Africa that need to collect, move, and settle payments across cash, digital, and offline environments, including low-connectivity and remote areas.
Key capabilities include:
- Online payment gateway for accepting payments on websites and digital platforms, including mobile money and cards
- Android Soft POS for in-person card payments, designed to work even with low or no internet while keeping full transaction records
- MWallet (digital wallet) to support payments and settlements and connect with other services in the ecosystem
- Unified collections and settlement that integrates with existing organizational tools, reducing the need to change current systems
Available on Web (payment gateway and organization platform) and Android (Soft POS).
Designed for public agencies, utilities, large businesses, and retail/value chains, including use cases such as taxes and statutory payments, council fees, electricity and water bills, school fees, and POS-based payments for supermarkets and fuel stations.
Notable in the Southern African context for supporting multi-currency and cross-border payments (ZMW, ZAR, TZS, MWK, USD), operating in low-connectivity conditions, and aligning with local regulatory requirements and PCI DSS payment security standards, with active deployments across multiple SADC markets.
Zoyk Facts
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Zoyk Founders & Leadership Team
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Latest Zoyk News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. How we source dataFrequently Asked Questions About Zoyk
Zoyk is a payment services provider and payment infrastructure platform that helps governments and businesses in Southern Africa collect, move, and settle payments across cash, digital, and offline channels. It works through a unified system that includes a web-based payment gateway, an Android Soft POS for in-person card payments (including low-connectivity environments), and an MWallet digital wallet that all connect to manage collections and settlements from one platform.
Zoyk operates primarily in Southern Africa, with active deployments in Zambia, Malawi, DR Congo, Tanzania, Zimbabwe, and South Africa. Angola and Mozambique are indicated as coming soon, and the platform is generally positioned around key SADC markets and regional interoperability.
You can start with Zoyk by reaching out to their team to onboard your organization onto the platform. To do this, contact them via email or the contact options provided on their website so they can set up your account and required payment services.
Yes, Zoyk offers an Android mobile app in the form of its Android Soft POS for in-person card payments. Other mobile platforms such as iOS are not currently confirmed.
Zoyk is best suited for governments, public agencies, utilities, large businesses, and retail or value chains that need to collect and settle payments across multiple channels in Southern Africa, including online, POS, cash, and agent networks. It is particularly useful for organizations handling taxes, statutory payments, council fees, utility bills, school fees, and supermarket or fuel station payments.
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