Reliable PoS Payments, Powered by Decentralization
Experience the efficiency of direct card routing, instant settlements, and real-time reconciliation with ZonePOS, built to make every transaction faster and more reliable.
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 POS Payment Gateway
ZonePOS 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, to deliver reliable and frictionless payment experiences at scale to our customers and by extension, their customers.
Direct Card Routing
Connects acquirers directly to issuers without an intermediary. This guarantees increased transaction success rate and speed.
Zero Chargebacks
Automatically compares transaction states and makes adjustments to ensure consistency. This guarantees automated customer refunds with ZERO chargebacks and auto decline of false claims to prevent chargeback fraud.
Instant Settlement
Ensures that beneficiaries get value immediately for each successful transaction. Instant value to merchants and acquirers with visibility into which transaction has been settled.
Wide Network Coverage
Enables interaction with multiple issuers or acquirers through a single integration point. Wide issuer coverage to enable acceptance of all cards along with tailored acquirer onboarding options to support all sizes of acquirers.
How it works
Learn how the product works
It combines blockchain technology with regulatory legitimacy, enabling mainstream adoption across various domains
Initiation
The transaction starts when a customer swipes, inserts, or taps their card at a POS terminal integrated with ZonePOS.
Authentication
The POS terminal communicates with ZonePOS to authenticate the card details and check for sufficient funds. The customer's bank or card issuer is contacted to verify the cardholder.
Authorization
Once authentication is successful, ZonePOS requests authorization for the transaction amount from the customer's bank or card issuer. This step ensures the funds are reserved for the transaction.
On-chain processing
Auto-reconciliation is performed on-chain and settlement is initiated to effect the secure transfer of funds to the merchant and to the merchant acquirer.
Completion
The POS terminal displays a confirmation message, and a receipt is generated for the customer. The transaction details are securely logged in the merchant's system.
Learn about our story
Case studies
How Africa's Biggest Banks & Fintechs are Processing POS Transactions With ZonePoS
We leverage advanced blockchain technology for secure payments.
To improve quality of service on the PoS channel and with written approval from the Central Bank of Nigeria, Zone has partnered with Nigeria's National Clearing House and Central Switch; NIBSS to decentralize Payment Terminal Service Aggregator (PTSA) functions using Blockchain.
99.10%
Transaction success rate
100%
Network uprate time
100%
Network uprate time
