ATM Switching Redefined With Decentralized Architecture
Unlock seamless, lightning-fast, and secure ATM transactions with Africa's most advanced payment network. Experience unmatched reliability, lower costs, and real-time processing designed to transform how financial institutions handle ATM switching.
Trusted by Africa's Leading Financial Institutions .
Financial Service Providers (FSPs) lose billions annually due to high disputes, fraud, and transaction failures, caused by traditional and centralized payment infrastructures.
High disputes
Customers are debited by their Financial Service Provider but transactions fail at the payment terminal so they don’t receive value.
Increased Fraudulent Claims
Fraudsters exploit system weaknesses by filing false claims for refunds against successful transactions, costing institutions time and money.
Transaction Failure
Unreliable systems cause payments to fail, leading to lost revenue, frustrated customers, and increased operational costs for financial institutions.
Migrate To The Most Reliable Payment Infrastructure Today!
Our ATM Switch is built on the latest version of our most advanced blockchain-powered infrastructure.
This product inherits the benefits and value of the network, enabling us at Zone, deliver reliable and frictionless payments experiences at scale to our customers and by extension, their customers.
Eliminate dispute resolutions
Automated refunds of declined transactions within minutes instead of a manual process that involves days and frequent banks visits.
Curtail fraudulent claims
Auto-decline functionality ensures that no fraudulent claims can be processed.
Unmatched transaction uptime
By leveraging direct routing to issuers, we eliminate network congestion and ensure a 99.9% uptime, providing seamless and reliable transactions every time.
Guaranteed transaction success rate
Our direct-to-issuer routing minimizes network overload, ensuring consistent performance and delivering a 99.9% transaction success rate, so your customers experience uninterrupted service.
How it works
Learn how the product works
It combines blockchain technology with regulatory legitimacy, enabling mainstream adoption across various domains
Initiation
The transaction begins at the ATM and is sent to a smart contract for validation.
Validation
The smart contract checks transactions limits and sends a validation request to the middleware
Transaction processing
The transaction is processed in real-time, with the smart contract updating settlement balances.
Completion
The transaction is finalized instantly, with the smart contract ensuring settlement is completed.
Learn about our story
Case studies
How Africa's biggest banks are processing ATM transactions with Zone
We leverage advanced blockchain technology for secure payments.
Our ATM Switch is built on the latest version of our most advanced blockchain-powered infrastructure. This product inherits the benefits and value of the network, enabling us at Zone, deliver reliable and frictionless payments experiences at scale to our customers and by extension, their customers.
99.10%
Transaction success rate
100%
Network uprate time
100%
Network uprate time
