One integration to connect your business to payment providers.
ZeonPay is the technology layer between merchants and third-party payment service providers. Integrate once, test safely in a sandbox, and go live with clear controls and full visibility.
ZeonPay is a technology provider, not a bank or licensed payment institution. Payments are processed and settled by independent third-party providers.
# Illustrative request – create a deposit POST /example/v1/payments Authorization: Bearer <merchant_token> { "reference": "INV-20261028-001", "amount": "100.00", "notify_url": "https://merchant.example/hook" } # Response { "data": { "tx_id": "…", "url": "https://pay.example/…" } }
Everything a merchant needs to connect, in one place
We handle the integration, routing and reporting layer so your team builds against one consistent API instead of many.
Deposits (pay-ins)
Accept customer payments through hosted payment pages covering online bank transfer, QR and local bank transfer flows, routed to the upstream provider.
Withdrawals (pay-outs)
Create payout requests to bank accounts and track every request through to a final status.
Status & balance APIs
Query the status of any deposit or withdrawal by your own reference, and check your merchant balance programmatically.
Signed callbacks
Receive server-to-server notifications when a transaction changes state, so your system always reflects the real outcome.
Integration sandbox
Test every flow against simulated banks, balances and outcomes before going live. No real funds move during testing.
Merchant dashboard
Monitor transactions, review activity and manage your account with role-based access and two-factor authentication.
A technology layer, not a financial institution
We sit between your application and the payment service providers. Customer funds are handled by those providers and the banks involved, not by ZeonPay.
Onboard
Share your business details. We review your application before issuing credentials.
Integrate & test
Build against the API and complete the guided checklist in the sandbox.
Go live
Our team activates live processing. Your endpoints and token stay the same.
Operate
Monitor transactions, reconcile with callbacks and status queries, and contact support when needed.
Predictable, documented and safe to test
Merchant-facing documentation explains each endpoint with exact paths, parameters, example requests and expected responses. A guided checklist verifies your integration against real server responses before you go live.
- Bearer-token authentication with optional IP whitelisting
- Configurable per-merchant amount limits
- Your own reference (
reference) on every transaction - Validation, authorization and duplicate-reference scenarios covered in testing
- Signed callbacks with explicit acknowledgement checks
Core operations (illustrative)
| Create deposit | POST /example/v1/payments |
| Deposit status | POST /example/v1/payments/status |
| Create withdrawal | POST /example/v1/payouts |
| Withdrawal status | POST /example/v1/payouts/status |
| Merchant balance | POST /example/v1/balance |
Paths shown are illustrative placeholders. Actual endpoints, parameters and examples are provided to merchants during onboarding.
Built with access control and auditability in mind
Practical safeguards that protect merchant accounts and keep activity traceable.
Token authentication
Every API request is authenticated with a merchant-specific bearer token.
2FA & role-based access
Dashboard access uses permissions, protected sessions, CSRF protection and two-factor authentication.
IP whitelisting
Optionally restrict API access to the IP addresses you nominate.
Audit logging
Merchant and administrative actions are recorded so changes can be reviewed.
We vet merchants before they go live
No merchant processes live transactions until onboarding review and the integration checklist are complete and our team has activated the account. We expect every merchant to operate lawfully and to follow our Acceptable Use Policy.
We support
- Lawful online merchants
- Transparent pricing and agreements
- Clear audit trail
We do not allow
- Fraud or money laundering
- Illegal goods or services
- Sanctioned parties
Straight answers
Is ZeonPay a bank or a licensed payment institution?
No. ZeonPay is a technology and integration provider. We do not hold a payment licence of our own and we are not a bank. Payments are processed and settled by the independent third-party payment service providers (PSPs) that our merchants use, under those providers' own licences and terms.
What exactly does ZeonPay do?
We operate an integration and routing layer. A merchant integrates once with our API, and we connect that integration to one or more upstream payment service providers for deposits (pay-ins), withdrawals (pay-outs), status queries and balances, and we deliver signed result notifications back to the merchant.
Who processes and settles the money?
The upstream payment service provider and the banks involved. ZeonPay does not provide banking services to consumers. The settlement arrangements applicable to each merchant are set out in that merchant's agreement and the upstream provider's terms.
How do merchants get started?
Contact us with your business details. After onboarding review you receive credentials and access to an isolated test environment with simulated banks and balances. You complete an integration checklist, and our team activates live processing once it is finished. No endpoint change is required at go-live.
Can we test without moving real money?
Yes. The integration sandbox uses simulated bank accounts, balances and outcomes. No real bank login or payment takes place during testing.
Which businesses do you not work with?
We do not onboard businesses engaged in unlawful activity, fraud, or other prohibited categories listed in our Acceptable Use Policy. We may decline, suspend or terminate merchants that do not meet our requirements.
How can I report a problem or abuse?
Email abuse@zeontech.org for abuse reports or support@zeontech.org for support. Include relevant transaction references so we can investigate quickly.
Ready to connect your business?
Tell us about your business and the payment flows you need. Our team will get back to you within two business days.
Contact our team