Intelligence in Every Transaction
ZoikoPay - Where Payments, Compliance & AI Converge
Process, protect, and predict — all in one U.S.-governed platform.
Part of Zoiko Tech Inc. — Where Life Meets Logic™
Complete Payment Ecosystem
Unified payment, compliance, and AI intelligence platform designed for modern businesses
Payment Gateway
Card, ACH, RTP, and crypto settlement rails with AI fraud scoring and anomaly detection. PCI-DSS 4.0 compliant with FedNow integration.
Wallet & Payouts
Multi-currency consumer and merchant wallets with dynamic AI-based limits and comprehensive KYC/AML compliance.
Compliance Hub
Real-time AML, sanctions, and SAR orchestration with autonomous case- flagging powered by Zoiko AI.
AI Decision Engine
Self-training system with human-in- command layer, learns from transaction histories to predict risk and optimize routing.
RegTech API Layer
Secure middleware for partner integrations, invoicing, and audit logs with SOC 2 Type II compliance.
Global Compliance
Multi-jurisdiction framework supporting U.S., UK, EU regulations with automated compliance reporting.
Commercial Modules
Comprehensive suite of financial services for every business need
Merchant Onboarding
AI-assisted KYC + KYB workflow for fintechs and marketplaces with automated verification.
Billing & Invoicing
Auto-reconciliation via ZWS for MVNOs and SMBs with intelligent payment matching.
International Remittance
Real-time USD to multi- currency conversion with AI FX optimizer for consumers and expats.
Embedded Finance API
Seamlessly integrate wallets and cards into existing apps for enterprises and platforms.
Treasury Dashboard
Unified liquidity and compliance overview for CFOs and controllers with real-time insights.
Contract Management
ZWS-powered document automation including quotes, invoices, and MSAs with digital signatures.
Compliance & Legal Governance
Built with regulatory compliance at its core
PCI-DSS 4.0
SOC 2 Type II
GDPR
CCPA
FinCEN MSB
ISO/IEC 42001
Delaware Jurisdiction
Governed by Delaware law with New York arbitration seat for enterprise-grade legal protection.
Privacy & Data Protection
CCPA/GDPR compliant with minimal data retention. Zoiko AI never stores PII beyond operational need.
Automated Compliance
AI-generated compliance certificates with monthly attestations and full audit trail capabilities.
Choose Your Plan
Flexible pricing for developers, SMEs, and enterprises
Starter
Free
- Sandbox access
- 5 API keys
- Test wallet functionality
- Basic documentation
- Community support
RECOMMENDED
Growth
$79
/month
- 50 API calls per hour
- Basic AML module
- Standard support
- Fraud detection
- Multi-currency wallets
- Compliance reporting
Enterprise
Custom
- Private cloud hosting
- Dedicated compliance team
- Custom integrations
- 24/7 support
- Advanced AI features
- Multi-jurisdiction support