© 2022 Zone. All rights reserved.
The Regulated Blockchain Network for
Payments
Join Africa’s leading Banks, Fintechs, and Regulators on Zone. We are building a first-of-its-kind Regulated Blockchain network for moving and managing the world’s money in a compliant and transparent way.
Trusted by Africa’s Leading Financial Institutions
Learn about our story
OUR VALUE PROPOSITION
The Zone Advantage
Harness the power of Zone’s advanced payment infrastructure to create delightful payment experiences and eliminate manual back-office operations
Reliable Transactions
Frictionless Operations
Universal Interoperability
CONNECT TO THE FUTURE
PRODUCTS
The World's Most Advanced Operating System for Payments.
Our supported payment channels are built on the latest version of our regulated blockchain framework. By leveraging the network's advantages, these payment channels enable the delivery of reliable, frictionless, and universally interoperable payment experiences at scale.
Decentralized Payment Gateway for POS Transactions
ZonePOS empowers merchants and agents with a fully decentralized system for accepting card payments. Zone enables direct card routing to issuers which bypasses failure points, as well as automated reconciliation to eliminate chargebacks and instant settlements to unlock liquidity
Benefits
Direct card routing
Zero Chargebacks or Chargeback Fraud
Same-Day Settlement
Decentralized Switching for ATM Cash-withdrawal Transactions
Our ATM switching product leverages decentralized technology for peer-to-peer transaction routing, enabling direct inter-bank transactions without relying on third-party switches. This enhances transaction reliability by eliminating single points of failure, reduces customer disputes, lowers switching costs, and automates back-office operations.
Benefits
Reliable cash-withdrawal transactions
No customer disputes
Lower transaction fees
Coming Soon
Instant Interbank Funds Transfers
ZoneFT enables the processing of account-to-account transfers between banks and Other Financial Institutions reliably and with no central point of failure. ZoneFT also enables banking apps to auto-complete transfer forms on behalf of end-users in order to save time and minimize errors during transaction initiation
Benefits
Fast and reliable interbank transfers
Simplified experience for end-users
Immediate value to beneficiaries & their institutions
LICENCES
Licensed by the
Central Bank of Nigeria.
Regarding compliance and information security, we adhere to regulatory guidelines and global best practices.
NEXT-GEN PAYMENT INFRASTRUCTURE
Learn about our regulated blockchain network for payment
Discover how our Blockchain network ensures that payments are seamless, secure, and efficient.
Learn about our network1
Decentralized Routing
Transactions are routed between financial institutions without relying on a central intermediary. This ensures reliability and eliminates the risk of system-wide failures.
2
Instant Settlement
Transactions are routed between financial institutions without relying on a central intermediary. This ensures reliability and eliminates the risk of system-wide failures.
3
Interoperability with Legacy Systems
Transactions are routed between financial institutions without relying on a central intermediary. This ensures reliability and eliminates the risk of system-wide failures.
4
Native Settlement Tokens
Transactions are routed between financial institutions without relying on a central intermediary. This ensures reliability and eliminates the risk of system-wide failures.
5
Programmatic Regulation
Transactions are routed between financial institutions without relying on a central intermediary. This ensures reliability and eliminates the risk of system-wide failures.
TESTIMONIALS
Our partnership with Zone Payment Network marks a significant step forward in delivering reliable, secure, and efficient payment solutions across Africa. Zone’s advanced infrastructure allows HabariPay to better serve our customers, enabling seamless transactions and fostering financial inclusion across the continent.
Eduofon Japhet
MD, HabariPay
"Zone's payment infrastructure has revolutionized how we handle cross-border transactions. The speed and efficiency are unmatched."
Frank Aderinmola
GMD, Fidelity Bank
"Zone's innovative solutions and strong foothold in the African fintech market make it an exciting investment opportunity."
Gabriel Akinfolarin
CTO, First Bank
Frequently Asked
Questions
Want to have a meeting to discuss more about what we offer or setup a session for more discovery
Talk to salesWHAT'S NEW
Press and Media
Discover the roadmap to payment service excellence! Stay updated with the latest tips and trends on our blog.
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Nigerian Fintech Raises $8.5million to scale decentralised payment infrsatructure
March 18, 2024
Learn More
Zone Launches Decentralized POS Payment Gateway
June 5, 2024
Learn More
Zone, NIBSS Partner to use blockchain to record POS Payments
August 20, 2024
Learn More
Discover how Zone can help your institution.
Zone regulated by the Central bank of Nigeria and authorized to offer payment processing services.
Copyright © 2025, Zone.
12B Admiralty Way, Lekki Phase 1, Lagos State, Nigeria.
© 2025. Zone is a payment infrastructure company enabling payments and acceptance of regulated digital currencies through its regulated blockchain network; it is duly licensed by the Central Bank of Nigeria. Unauthorised reproduction or redistribution of copyrighted materials on this website and Zone's digital media pages is strictly prohibited. By clicking on some of the links above, you will leave Zone's website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Zone. We recommend you review the privacy statements of those third-party websites, as Zone is not responsible for those third parties' privacy or security practices. Additional disclosures can be found in the resources section of our website.