---
title: ""
description: ""
canonical_url: "https://liners.com/zoyk"
markdown_url: "https://liners.com/zoyk.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/zoyk/screenshot.webp?v=1787689241867"
published_at: "2026-09-01T20:38:21.522Z"
updated_at: "2026-09-01T21:07:50.265Z"
---

# 

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Zoyk](/zoyk)

## Summary

Collect and settle payments across online and offline channels

Payment infrastructure for governments and businesses in Southern Africa to collect, move, and settle secure payments across cash, digital, and offline channels.

## Product details

| Field | Value |
| --- | --- |
| Website | https://zoyk.io/ |
| Tagline | Collect and settle payments across online and offline channels |
| Primary country | Zambia |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Offline-Capable](/tags/offline-capable): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [DR Congo](/countries/dr-congo): Market
- [Malawi](/countries/malawi): Market
- [South Africa](/countries/south-africa): Market
- [Tanzania](/countries/tanzania): Market
- [Zambia](/countries/zambia): Market
- [Zimbabwe](/countries/zimbabwe): Market

## Related pages

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

## Access and citation

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