Zoyk

zoyk

About this app

Zoyk turns the Android phone you already own into a payment terminal. Customers pay from Airtel Money, MTN MoMo or Zamtel — and every payment lands on one zoyk balance, instantly, with a push notification. You don't need an account with every operator, and there is no hardware to buy, no bank visit and no monthly fees.

Three ways to get paid:
• QR code — show it on your screen, the customer scans and pays from their own phone.
• Payment prompt — type the customer's number, a request pops up on their phone and they confirm with their PIN. Works on any phone, no internet needed for the customer.
• Payment link — send it in WhatsApp or SMS, get paid from anywhere and watch the status live.

One balance, easy payouts:
• Withdraw to your own mobile money wallet whenever you want.
• Or to any bank account — FNB, Absa, Stanbic, Zanaco, Ecobank, UBA and more.

Your staff take payments. Only you touch the money:
• A separate login for every cashier — the withdraw button simply isn't there.
• Every payment shows the amount, shop, cashier and time — you see it live, even from home.
• A login works only on the phone it was set up on, so a stolen password is useless.
• A cashier leaves? Disable their login in one tap.

Start in minutes:
1. Install the app and register right in it.
2. Take your first payment the same day.
3. Our agent visits your shop to help with the documents — you don't go anywhere.

Every sale comes with a digital receipt you can share in a chat — no printer needed. The owner's dashboard shows every payment from every shop and every cashier, with filters and reports.

You pay only when you get paid — no monthly fees, nothing to buy or rent. Current rates are always at zoyk.pro.

Visa and Mastercard tap-on-phone payments are coming soon.

Payments are processed by Zoykpay (Zoyk Pay Limited) — a payment service provider licensed by the Bank of Zambia.

What’s new

Zoyk turns the Android phone you already own into a payment terminal. Customers pay from Airtel Money, MTN MoMo or Zamtel — and every payment lands on one zoyk balance, instantly, with a push notification. You don't need an account with every operator, and there is no hardware to buy, no bank visit and no monthly fees.