Spring 2026 release · v4.2 live
Streamline checkout,
multiply your margin.
One ledger for orchestration, billing, CRM and chargeback mitigation. Built for subscription brands, growth-stage e-commerce and the operators who run them.
Trusted by 1,400+ commerce & subscription operators
Integrate · Automate · Capitalise
Optimise commerce operations with one unified stack.
Orchestrate payments, automate operations, and grow revenue — every workflow shares the same ledger and the same customer record.
Zonipay Concierge
Concierge-grade assistance with no AI bots and no automated queues. Direct access to your account pod and the engineers who built the rails.
Merchant account orchestration
Onboarding, settings, caps, settlements — managed from one console. The router rebalances every 90 seconds to keep MIDs healthy.
Net authorised volume
$4.86M
Instant insight reporting
Cashflow, declines, MRR, chargeback velocity — all refreshed every 6 seconds. Export anywhere with the open REST API.
Order #1193 placed
Premium Club · $48.20
Initial charge approved
Visa •• 4127 · Crestwave MID
Rebill scheduled
Next cycle · Mar 14
Full customer journey
Track every interaction, purchase, subscription and refund on one timeline — searchable in under 200 ms.
Integrate · Automate · Capitalise
A single platform for the full payment lifecycle.
Optimise commerce operations with one stack that orchestrates payments, automates support and grows revenue.
Eleven-minute integration
Drop a script tag, point your DNS, or push to Shopify. Median go-live across the last 100 merchants: 11 days.
Operations CRM, built-in
Cardholder records, sessions, refunds and rebills in one searchable console. No second tool to license.
Real-time analytics
Acceptance ratios, decline taxonomy and chargeback velocity refreshed every 6 seconds.
Smart routing engine
Picks the cheapest acquirer that will approve — per BIN, per issuer, per country. Up to 24 MIDs orchestrated live.
Recovery up to 21%
Issuer-tuned retry windows and dunning recover roughly a fifth of declined volume. Top decile clears 23%.
Mitigation in the stack
Ethoca, RDR and Verifi alerts route into auto-refund or representment, with chargeback ratios held under 0.45%.
How it runs
Four steps from chaos to compounding revenue.
Connect
Drop a script tag, install our Shopify app, or push to your own custom stack. Live in under two weeks — average is eleven days.
Orchestrate
We route every transaction to the acquirer most likely to approve — per BIN, per issuer, per country. Stack 24 conditions deep.
Recover
Issuer-tuned retries, dunning campaigns, account updater and network tokens reclaim up to 21% of failed authorisations.
Compound
Cohort analytics, MRR forecasting and chargeback mitigation feed back into the router so the next month outperforms the last.
0.41%
Average chargeback ratio after 90 days
21%
Median dunning recovery on declined volume
11 days
Median go-live for new merchants
99.987%
Gateway uptime, trailing 12 months
Cutting edge features
Twelve building blocks. One unfair advantage.
Robust reporting, seamless integrations and actionable insights — engineered to streamline every operation behind the checkout.
Seamless integration
One-click connect to Shopify, WooCommerce or your custom stack. Median go-live: 11 days.
CRM for effortless support
All cardholder data in one console. Issue refunds, pause rebills, replay sessions.
Advanced analytics
Real-time KPIs, cohort retention and decline taxonomy refreshed every six seconds.
Smart payment orchestration
Cheapest-acquirer-that-approves logic, per BIN, per issuer, per country.
Revenue recovery
Up to 21% of declined volume recovered through issuer-tuned retries and dunning.
Chargeback protection
Ethoca, RDR and Verifi alerts triage automatically — ratios held under 0.45%.
Expert support
Real humans, real expertise. Named operations pod, never a ticket queue.
PCI compliance & tokenisation
PCI DSS Level 1, network tokens, account updater and 3-D Secure 2.2 in the bundle.
Growth-friendly pricing
Volume-tiered with declining marginal rates — pay less as you scale.
Optional add-ons
Stack on 3DS, network tokens, account updater, fraud scoring and lifecycle email.
Subscription forecasting
Predict MRR, churn and recovery curves with the data your billing engine already has.
MID management
Distribute volume intelligently across 24+ merchant accounts to avoid caps.
Operators on Zonipay
From DTC subscriptions to nine-figure SaaS billing.
"Zonipay collapsed our processor stack from four vendors to one. Reconciliation that used to take a week now closes Monday morning."
Marlene Yates
Director of Payments, Brightpath Wellness
"The router lifted our approval rate 6.4 points on Visa US in the first 30 days. The CFO took the meeting after that."
Daniel Okafor
VP Growth, Northforge Subscription Co.
"What sold us was the operations pod — actual humans who already knew our MIDs by name on day three."
Priya Rajagopalan
Controller, Hartwell Beauty
Common questions
The short answers.
What exactly is Zonipay?+
An end-to-end payment platform: orchestration, merchant CRM, billing, dunning and chargeback mitigation — all on one ledger.
How quickly can we be live?+
Median go-live across the last 100 merchants was 11 days. Shopify customers using our native app are typically transacting on day three.
How much volume do you recover from declines?+
Across our base in Q1 2026 the median dunning recovery was 18.7% of failed authorisations. Top-decile merchants clear 23.1%.
What kind of support do we get?+
A named operations pod — never a ticket queue. First-response medians sit at 4 minutes during business hours and 22 minutes overnight.
How is pricing structured?+
Volume-tiered with declining marginal rates. Add-ons such as 3DS, network tokens and account updater are itemised, never hidden in a bundled rate.
Automate · Simplify · Compound
A 17-minute call is the fastest way to know if Zonipay fits.
Bring your processor mix, your churn curve, your dispute ratio. We will show you the math live.