ZAKA+ PAY
Pay people and businesses using supported payment sources.
- QR payments
- Merchant payments
- Online payments
- Payment links
YOUR MONEY SHOULD NOT FEEL FRAGMENTED
Your money. Your way.All your money. All ways to pay. One experience.
ZAKA+ gives people and businesses one simple way to access, move and use money across multiple payment sources — banks, wallets, cash networks, PayShap and payment providers.
The problem
Today, money is fragmented.
A person may hold value in a bank account, a second bank account, a digital wallet, a cash-send service — or in cash itself. Each source often operates through its own interface, rules and payment journey.
South Africa has sophisticated payment infrastructure, but fragmentation remains a recognised issue. SARB has specifically identified non-interoperable wallets and closed-loop systems as contributing to fragmentation, higher costs and reduced consumer choice.
Instead of asking “Where is my money?”, ZAKA+ asks
What do you want to do with your money?
Pay, Send, Receive — watch fragmented balances become one usable amount.
Positioning
ZAKA+ is not another bank.
Not another wallet. Not another payment rail. We are building an experience and orchestration layer over payment infrastructure. PayInc matters here: it is being transformed into South Africa’s National Payments Utility, with PayShap clearing and other payment-clearing-house functions transitioning to it.
Infrastructure
BanksPayShapCashWalletsPayment providers
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ZAKA+
Experience & orchestration layer
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Experiences
PaySendReceiveCashSaveBusiness
Six pillars
Everything you do with money, in one place.
ZAKA+ SEND
Send money quickly to another person.
- Bank-to-bank
- PayShap journeys
- Proxy payments
- One simple flow
ZAKA+ RECEIVE
Make receiving money just as simple as sending it.
- QR codes
- Payment requests
- Payment links
- Business collections
ZAKA+ CASH
Connect physical cash and digital money — strategically vital for Africa.
- Cash in
- Cash out
- Cash Send
- Redemption
ZAKA+ BUSINESS
The merchant and enterprise side of ZAKA+.
- Accept & collect
- Bulk disbursements
- Settlement & recon
- Analytics
ZAKA+ CONNECT
The technology business underneath the consumer brand.
- APIs & webhooks
- Bank integrations
- PayShap & QR+
- Orchestration
ZAKA+ KE ZAKA+
Most payment products ask
How can you pay using our product?
ZAKA+ asks
How do YOU want to pay?
The consumer chooses what they want to do. ZAKA+ manages the complexity of determining how that transaction can be completed through supported payment infrastructure. That’s why the tagline isn’t advertising — it’s the product philosophy.
YOUR MONEY. YOUR WAY.
OUR STORY
+
ZAKA means money. The + represents what becomes possible when money is connected.
Money + Choice
Money + Access
Money + Movement
Money + Business
Money + Technology
Money + You
+
One ecosystem
Personal, business and infrastructure — three propositions, one platform.
For people
+
One simple app for everyday money.
PaySendReceiveCashSave
For business
+
Accept and manage money.
AcceptCollectDisburseReconcileAnalyse
For platforms
+
Build ZAKA+ capabilities into other products.
APIsPaymentsOrchestrationIntegrationsInfrastructure
The technology proposition
Complex underneath. Simple on top.
Underneath a beautiful app sits serious infrastructure — orchestration, routing, risk, consent, compliance and settlement. The customer never needs to see any of it. That’s the point.
Built around consent, compliance and auditability
Identity & authenticationPayment initiationPayment-source managementPayment routingTransaction orchestrationFraud detectionRisk managementConsentComplianceReconciliationSettlement informationNotificationsAnalyticsAPI managementAudit trails
Money shouldn’t feel fragmented just because the infrastructure behind it is.
ZAKA+ exists to change that — an intelligent payment experience that lets people and businesses access, move and use money simply, while the complexity of banks, payment rails, wallets, cash networks and payment providers is handled underneath.
South Africa first.Africa next.One platform.Every way to pay.