Payments infrastructure for Zimbabwe
ZSS builds, integrates and operates the technology behind Zimbabwe’s digital banking and payments, from customer channels and card acceptance to switching, processing and domestic cloud.
Driving financial inclusion since 2008.
Supervised. Assessed. Audited.
Payments infrastructure is only as good as the controls behind it. Ours are regulated, independently assessed and audited.
ZSS is an Associate Participating Organization of the PCI Security Standards Council.
Zimbabwe’s leading institutions.
One technology partner. The full digital stack.
Payments
Accept, process and move money securely and efficiently.
- Card acquiring & issuing
- POS & QR payments
- eCommerce & payment links
- P2P, P2M & B2P solutions
- ACI Postilion processing
- PCI DSS compliant
Digital banking
Engage and serve your customers across every channel.
- Mobile banking
- USSD
- Internet & WhatsApp banking
- Agency & wallets
- Core banking
Managed infrastructure
We build, host and operate the infrastructure you can rely on.
- Switching & processing
- Cloud & data centres
- Security & compliance
- 24/7 monitoring & support
- Integration & APIs
Payments
The acceptance estate and processing services around ACI Postilion, from the terminal in a rural store to the switch behind the sector.
iPOS & Terminal-as-a-Service
Integrated and standalone POS, terminal switching, estate management and merchant support.
Explore iPOS & TAAS →
Ingenico AXIUM estate
Next-gen Android AXIUM terminals with cloud lifecycle management and remote monitoring at national scale.
Explore the Ingenico estate →Terminal management & keys
Automated terminal deployment and in-house DUKPT key management across the estate.
Explore terminal management →
QR, A2A & eCommerce
QR and account-to-account acceptance, mobile money, and card-not-present eCommerce via ACI PayOn, with SoftPOS tap-on-phone on the roadmap.
Explore QR & eCommerce →ACI Postilion
The switching, issuing and acquiring platform behind it all: hosted on our domestic cloud in Zimbabwe and operated end to end by ZSS.
Explore Postilion →
PayGo: Virtual POS
QR and code acceptance for any merchant, on any channel and any switch. A virtual POS in every pocket.
Explore PayGo →Digital banking
V-Suite delivers the sector’s digital front door: bank-branded channels that originate transactions, deployed as a managed service, on-premise or hybrid.
Native mobile apps (Android & iOS), USSD banking and self-service, and WhatsApp banking journeys, all bank-branded.
Explore mobile →
Retail and business internet banking portals and web-based service journeys.
Explore internet banking →
Cash-in / cash-out and account services delivered through agents via USSD, app and web.
Explore agency banking →
Onboarding & KYC, merchant onboarding & QR, bill payments, airtime, bulk payments and API-orchestrated VAS.
Explore onboarding & VAS →
core bankingA ledger-grade financial system of record for every wallet: real-time posting, derived balances and maker-checker control throughout.
Explore Core Banking →V-Gateway: the open orchestration layer
V-Suite native, and open by design. V-Gateway integrates with any API-based third-party system: cores, switches, wallets, MNOs, ERPs, billers and risk services. One integration, reused across every product and segment.
Managed infrastructure
The cloud it all runs on: operated end-to-end by our own engineers, 24/7.
Cloud & hosting
Sovereign domestic private cloud on OpenStack with Canonical, plus public and hybrid options where required: operated by our own engineers.
Explore cloud & hosting →Cloud R3
Resilient, redundant, regulated: the reference architecture for regulated payment workloads that must stay in-country.
The Cloud R3 brochure →Cloud HA & DR
High availability and tested disaster recovery: monitoring, incident response and business continuity, 24 hours a day.
The HA & DR brochure →Managed Services: FinTech as a Service
We operate the platforms end-to-end, 24/7: monitoring, support, BCP / DR and capacity planning. Institutions accelerate time-to-market on a pay-per-use basis.
Bank-in-a-Box
The full suite of ZSS products and global partners combined: a lightweight, agile, cost-effective end-to-end banking solution, from the ground up.
ACI PayOn Gateway
White-label eCommerce & mCommerce gateway: 300+ payment methods and acquirers, with integration services into our cloud. The PayOn brochure →
One platform. Every channel. Every payment.
A modular, API-first financial services stack: connected, switched, secured and operated end to end.
Mobile networksPartner banksSecured.
Operated.
A virtual POS in every pocket.
PayGo® is QR and code acceptance built for Zimbabwe. Any merchant receives payment through a scanned QR code or a short merchant code, approved by the customer in their own bank’s mobile channel: an open framework any institution can adopt, on any national switch or scheme.
- PayGoID: static & dynamic. Static codes identify a merchant; dynamic codes carry amount, currency and narration for one-tap approval at high-volume tills, eCommerce and bill presentment.
- EMVCo standard. Built on the EMVCo QRCPS (Merchant Presented) specification, enhanced for Zimbabwe’s market realities.
- Every channel. Customers pay from their existing bank app, USSD shortcode, WhatsApp or web checkout, no new app required.
- Every merchant. Till-integrated supermarket lanes to a printed code at a market stall, plus plugins for Shopify, WooCommerce, Magento and Wix, and open APIs.
Global payments. Delivered in Zimbabwe.
ZSS delivers ACI PayOn as a fully managed eCommerce and mCommerce gateway from our cloud environment. We handle integration, localisation and ongoing platform operations, giving Zimbabwe businesses access to the payment methods their customers expect, through one trusted partner.
A ledger-grade system of record for every wallet.
Balances are derived from an append-only double-entry journal rather than held as a second version of the truth, so the full position can be reconstructed by replay at any time. Authorisation and posting run as one real-time pipeline, inside the switch’s timeout budget.
Ledger-first integrity
Every movement is a balanced, immutable double-entry journal entry, with per-entry hash chaining and a sealed daily close.
Real-time by default
One synchronous authorisation and posting pipeline, aligned to the ISO 8583 lifecycle. Fees, commissions and settlement legs post atomically with the customer movement.
Compliance by design
Float safeguarding, tamper-evident audit trails, maker-checker controls and read-only supervisory access, built in as product features.
Built for the whole market, not just tier 1 banks.
The same stack serves every segment, driving financial inclusion across Zimbabwe.
One integration, one managed service: reused across every segment.
Enterprise grade. Built in Zimbabwe.
Since 2008 we have delivered custom integrations for Zimbabwe’s banks, wallets and retailers, and every one taught us the same thing: customers don’t need what works in the West or the East. They need what works here.
Underneath, the platforms are uncompromising: PCI DSS compliant switching, regulated operations and world-leading software from partners like ACI and Ingenico.
Nothing on top is off the shelf. Channels, journeys, rails and products are cut to fit Zimbabwe’s realities, from the USSD menu on a feature phone to the agent in a rural store.
Compliance gets you to market; fit gets you preferred. That last mile is not decoration on top of the technology: it is the point of the technology.
Zimbabwe’s payments backbone.
Switching, card acceptance and digital banking, built, hosted and operated in Zimbabwe by a regulated service provider under the Banking Act (SI 17 of 2025).
ACI Postilion as a Service
Switching, issuing and acquiring. PCI DSS compliant ACI Postilion, hosted on our domestic cloud and operated end to end by ZSS. Three production instances serve 25 customers across Zimbabwe’s banks, acquirers and wallets.
Explore Postilion →iPOS and Terminal as a Service
Card acceptance, nationwide. Integrated point of sale and fully managed terminal estates for acquiring banks and retailers: more than 10,000 terminals deployed, monitored and supported across the country.
Explore iPOS & TaaS →
V-Suite digital banking
Channels and wallets. White-label mobile, USSD, WhatsApp and internet banking, and the platform behind O’Mari.
O’Mari case study →Not promises. Production.
Case study · Wallet-led inclusion
O’Mari: wallet and light bankA complete wallet-as-a-service: self-service onboarding and KYC, wallet-to-wallet and bank-to-wallet transfers, agent cash-in / cash-out, airtime and bill payments, cross-border remittance redemption, and card issuing, switched on ACI Postilion and operated 24/7. Bank-grade accounts reachable by USSD, app and agents, well beyond the branch network.
Case study · Retail & wholesale rails
Zimbabwe’s retail acceptance estateiPOS and Terminal-as-a-Service acceptance, closed-loop and store wallets, QR and eCommerce, value-added services and merchant settlement: turning every merchant and agent into a payment and cash-in / cash-out point, and opening new rails for underserved communities.
Anatomy of a light bank.
O’Mari is a complete retail bank delivered without branches: 2M+ customers, 100% built, run and operated on ZSS platforms, from the USSD menu to the core banking system behind it.
Every rail, one wallet
Wallet-to-wallet, cross-network ZIPIT, send-to-bank and send-to-any-mobile vouchers; bank-to-wallet funding and withdrawal; agent cash-in / cash-out; international remittance redemption.
Cards from the wallet
Virtual and physical Visa cards with full lifecycle management (request, activate, block, PIN self-service), issued individually or in bulk from the platform’s own card operations.
Life runs through it
Airtime and data, prepaid electricity, DSTV and telco bills, a full biller directory, and QR / PayGo merchant payments across retailers nationwide.
Save, borrow, insure, invest
O’Mari Save, junior wallets, standard and civil-servant loans, Health4U medical cover, motor / life / funeral insurance, pension fund and unit-trust investments: mass-market products at wallet cost.
Beyond retail
Agent onboarding and KYC, a national cash network, and corporate internet banking with bulk payments, maker-checker approvals and full company administration.
Our core banking system
Customer 360, KYC operations, card and agent and merchant management, transaction routing, bulk financial operations, maker-checker controls and real-time monitoring: the ZSS core banking platform underneath the wallet.
Powering a nation’s banking sector since 2008.
ZSS has built and operated Zimbabwe’s payments and digital technology services infrastructure at national level, from digital channel provision to VAS to the full light bank: sovereign, in-country, end-to-end.
The domestic private cloud
The banking sector’s digital services run on the ZSS domestic private cloud: Canonical / OpenStack architecture, built and operated in-country. Data sovereignty protected, PCI zones segregated, with hybrid Azure / AWS options where regulation allows.
Canonical partnerIn-country hostingPCI-zone separationPostilion managed services on ACI software
A wide portfolio of Postilion switching, acquiring and issuing services on world-leading ACI software: hosted on the domestic cloud, extended by specialist engineers, and operated 24/7 as a managed service for the sector.
Acquiring & issuingPostilion as a ServiceSpecialist engineering~85% of retail POS
Terminal-as-a-Service and integrated POS drive approximately 85% of Zimbabwe’s retail point-of-sale: Ingenico AXIUM devices, remotely managed at estate scale, switching through the domestic-cloud Postilion rails.
Ingenico estate10,000+ terminals15+ acquiring banksThe sector’s digital front door
Digital channel provision for the banking sector (mobile, USSD, WhatsApp and internet banking), through VAS aggregation and agency banking, all the way to complete wallet-led light banks. One stack, reused across virtually every institution in the country.
V-SuiteVAS aggregationWallet-as-a-Service“I am because we are.”
Financial inclusion is ubuntu in practice. Every wallet opened, every agent enabled, every merchant connected strengthens the whole: a bank’s customer in the city and a trader at a rural market, on the same rails. We build technology in that spirit: infrastructure no one prospers from alone.
Harare head office. National reach.
Trusted by Zimbabwe’s leading institutions.
Merchants live on iPOS & Terminal-as-a-Service
Retail, QSR, wholesale and services brands accepting on ZSS-managed terminals: see iPOS & Terminal-as-a-Service.
Integrated with the services people already use
Billers, utilities, telcos, insurers, municipalities and remittance partners reachable through ZSS channels and orchestration layer.
World-class technology, delivered locally.
Building a digital institution from the ground up, or scaling one?
Talk to ZSS: one partner across channels, payments, switching and cloud, in Zimbabwe.
Get in touch