How It Works – Zpayd Platform

🌍 1. Zpayd Merchant – Enterprise & Global BillPay

Ideal For: Financial institutions, fintechs, cross-border platforms, bill payment providers

1. Integrate via API or Dashboard – Plug into Zpayd using REST APIs or a user-friendly dashboard.
2. Onboard Users or Entities – Perform KYC/KYB as needed for senders or customers.
3. Choose Country & Biller – Access curated biller networks across multiple countries—utilities, telecom, insurance, and more.
4. Batch or Real-Time Payment Requests – Initiate payments via API or upload in bulk. You control customer interaction and collection.
5. Single Settlement to Zpayd – The financial institution settles with Zpayd at the end of the day through a consolidated funding process.
6. Zpayd Does the Heavy Lifting – We handle FX conversion, local disbursement, and biller delivery.
7. Real-Time Monitoring – Get compliance checks, delivery confirmation, and settlement insights.

📊 2. Zpayd Account – Loan Management Suite

Ideal For: Digital lenders, credit platforms, MFIs, BNPL providers

1. Configure Loan Products – Set repayment terms, APR, fees, and eligibility rules.
2. Onboard Borrowers – Seamless KYC and user registration via dashboard or API.
3. Originate & Approve – Manually or automatically process applications and trigger underwriting.
4. Disburse Loans – Instant or scheduled payouts via debit card, e-wallet, or bank transfer.
5. Track Repayments – Automate repayment schedules, notifications, and collections.
6. Manage Risk – View delinquencies, reschedule loans, generate reports, and monitor portfolio health.

🏦 3. Zpayd US – Pay In / Pay Out Infrastructure

Ideal For: Gig economy platforms, rent processors, SaaS vendors, marketplaces

1. Onboard Users & Businesses – Use embedded onboarding tools for individuals and businesses (KYC/KYB included).
2. Collect Payments (Pay Ins) – Accept debit card or wallet funding from users and clients.
3. Make Payouts (Pay Outs) – Schedule or automate payouts to users, suppliers, or partners.
4. Real-Time Transparency – Monitor fund flow statuses, download reconciliation reports, and trigger alerts via webhooks.
5. Stay Compliant – Built-in identity verification, AML monitoring, and transaction controls.

🧩 Cross-Platform Features

• Security & Compliance – PCI-DSS, KYC/AML, and local regulatory standards built-in
• Developer Tools – REST APIs, sandbox environments, webhooks, and logs
• Unified Dashboard – Manage billpay, loans, and disbursements from one interface
• Global Reach – Supports operations across multiple countries with localized rails and FX optimization
• Modular Design – Use one or all products as your business scales