Use Cases

Agent Banking

Pay with Transfer Withdrawals: Zone provides Agents with the unique capability to accept non-card cash withdrawal transactions via transfer/QR code with a PoS receipt printout.
Settlement Bank Partnership: Provision of settlement bank capabilities to our network of Fintechs, MFBs and Super Agents.
Elimination of Disputes: The system eliminates the root cause of customer disputes by providing end to end visibility the final states of transactions, thereby automatically handling situations where transactions fail at a terminal and customers are debited by their bank.
Improved Reliability: We have consistently delivered a transaction success rate greater than 99.5% and uptime of 100% due to the distributed architecture, which reduces the transaction
routing nodes from 3 to 2, by eliminating the central node.

Elimination of Disputes: The system eliminates the root cause of customer disputes by providing end to end visibility the final states of transactions, thereby automatically handling situations where transactions fail at a terminal and customers are debited by their bank.
Alternative Payment Methods: increased merchant conversions and acquirer revenue via
multiple payment methods on the Zone network; cards, account, transfer, direct-debit.
Improved Authorizations: We have consistently delivered a transaction success rate greater
than 99.5% and uptime of 100% due to the distributed architecture, which reduces the
transaction routing nodes from 3 to 2, by eliminating the central node.
Recurring Payments: Recurring payments available across multiple payment methods including cards encompassing an EMV compliant tokenization service and account (direct debit).
White-label: Our proposition includes the option of a fully white-labelled merchant payment gateway, built with the pain points of Acquirers in mind. We offer Acquirers the advantage of scaling end-user acquiring operations in a cost effective and reliable fashion.

Elimination of Disputes: The system eliminates the root cause of customer disputes by providing end to end visibility the final states of transactions, thereby automatically handling situations where transactions fail at a terminal and customers are debited by their bank.
Lower fees: Reduced transaction fees on fund transfer, ATM Cash withdrawal (as card issuer)
transactions and other use cases, by up to 40% compared to cost on central switches.
Improved Reliability: We have consistently delivered a transaction success rate greater than
99.5% and uptime of 100% due to the distributed architecture, which reduces the transaction
routing nodes from 3 to 2, by eliminating the central node.
Income on ATM Remote on Us: The Bank as an issuer, earns income on remote on us ATM
transactions, for cardholder’s 3rd and subsequent transactions monthly. This is only offered on
Zone Switch.
Improved Reliability: We have consistently delivered a transaction success rate greater than
99.5% and uptime of 100% due to the distributed architecture, which reduces the transaction
routing nodes from 3 to 2, by eliminating the central node.

Transaction Status Query: Realtime transaction status confirmation on all Funds Transfer transactions.
Elimination of Disputes: The system eliminates the root cause of customer disputes by providing end to end visibility the final states of transactions, thereby automatically handling situations where transactions fail at a terminal and customers are debited by their bank.
Improved Reliability: We have consistently delivered a transaction success rate greater than
99.5% and uptime of 100% due to the distributed architecture, which reduces the transaction
routing nodes from 3 to 2, by eliminating the central node.
Settlement Bank Partnership: Provision of settlement bank capabilities to our network of Fintechs, MFBs and Super Agents.
Lower fees: Reduced transaction fees on fund transfer, by up to 40% compared to cost on central switches.