Everything You Need to Accept and Manage Payments.
Zinary brings together payment acceptance, transaction management, settlements, invoicing, payroll, and team collaboration into a single platform.
Modern Payment
Infrastructure for Businesses
Zinary is a secure payment gateway designed to help businesses accept payments, manage transactions, and operate with confidence. Built for the realities of modern commerce, Zinary provides reliable payment processing, transparent settlements, and powerful tools that support growth, compliance, and operational efficiency.
Our Vision
Zinary’s vision is to create a payment ecosystem where businesses of all sizes can access secure, transparent, and efficient financial tools. We aim to bridge the gap between traditional payment methods and modern digital finance by delivering infrastructure that is reliable, scalable, and easy to use.
Our Mission
Our mission is to simplify payments through technology. Zinary empowers businesses with tools that reduce friction, improve financial visibility, and support responsible growth in an increasingly digital economy.
Product Feature
Payment Acceptance
Zinary allows businesses to accept payments through commonly used channels, making it easier for customers to pay how they prefer. All payments are processed securely and reflected in real time on the vendor dashboard.
Bank transfers
Card payments
USSD and alternative local payment methods.
Vendor Onboarding and Compliance
Zinary offers a guided onboarding experience designed to be simple and compliant. This ensures a secure ecosystem for both merchants and customers.
Account creation using email and password
Business verification through required documentation
Compliance checks aligned with regulatory and risk standards
Chargebacks & Disputes
Zinary supports dispute management workflows that help businesses respond quickly to chargebacks, either by accepting the dispute or submitting evidence where applicable. This helps businesses respond efficiently and protect revenue.
View disputed transactions
Track chargeback status
Submit supporting evidence where required
Payroll
Zinary supports payroll management for businesses.
Add employee details and salary information
Schedule automatic payroll payments
Pay employees directly from wallet balance
Generate payroll reports
Pricing
Simple, Transparent Pricing for Every Business
At Zinary, we believe pricing should be simple, fair, and aligned with how your business earns.
Getting Started
Account setup: Free
Monthly fees: None
Integration fees: None
We charge you only when your business is successfully paid.
Transaction Fees
Percentage fee 1.2% per transaction
Flat fee ₦100 (applies only to transactions of ₦2,500 and above)
Maximum fee ₦2,000 per transaction
Fee Limit
The ₦100 flat fee does not apply to transactions below ₦2,500.
Fees will never exceed ₦2,000 per transaction, which means you’ll never pay more than ₦2,000 in fees on a single transaction.
Developers build with Zinary
Zinary offers APIs and webhooks that allow developers to integrate payments seamlessly into websites, mobile apps, and internal systems.
- API keys and credentials
- Webhook events for real-time updates
- Sandbox environment for testing
- Clear documentation and integration guides
Security & Compliance
Zinary is designed with security and responsibility at its core.
- Payment Security
- Data Privacy
- Account Security
Want to use Zinary Today
Zinary offers APIs and webhooks that allow developers to integrate payments seamlessly into websites, mobile apps, and internal systems.
Frequently Asked Questions (FAQ)
How do I get started with Zinary?
Create an account, complete verification, and access your dashboard to start processing payments.
How Can I issue refunds?
Yes. Zinary supports partial and full refunds with clear tracking.
How do payouts work?
Vendors can request payouts from their dashboard, with funds transferred to registered bank accounts.
Is Zinary secure?
Yes. Zinary follows industry security best practices and responsible data protection standards.