zoyk
Register Install the app

Start taking payments in 5 minutes.

Your phone is the machine. Accept Airtel Money, MTN MoMo and Zamtel on one balance — no bank visit, no paperwork to start, no hardware to buy.

Install the app

Android · Register right in the app · 2% per payment · No monthly fees

01 — The problem

Getting paid shouldn’t be this hard.

✕Airtel on one number, MTN on another, cash in the drawer.
✓One balance for every network — everything in one app.
✕The card machine loses network on your busiest evening.
✓Customers pay from their own phones — no machine to fail.
✕Money from the machine reaches your bank a day later.
✓Money lands on your balance instantly — withdraw whenever you want.
✕Customers send money to a cashier’s personal number.
✓Every cashier gets a login — the money goes only to you.

The zoyk app was built with Zambian merchants to fix exactly this.

Stop juggling SIM cards, machines and cash.

Install the app
An old broken card payment terminal
02 — One balance

One balance.
Every network.

Customers pay from Airtel, MTN or Zamtel — everything lands on one zoyk balance, instantly, with a push for every payment. No SIM card for every operator. No separate accounts.

Customers pay
Airtel Money MTN MoMo Zamtel
VisaMastercardComing soon
The zoyk app — one balance for every network
You withdraw to
Any bank accountFNB, Absa, Stanbic, Zanaco, Ecobank, UBA and more
Your mobile moneyAirtel, MTN or Zamtel wallet
03 — Getting started

Live in 5 minutes.

01
Install the app

Android — one tap, straight from this page.

Install the app
02
Register in the app

Your name, your phone, your business — right on the first screen. Prefer a form? Register here.

03
Take your first payment

You’re live — 5 minutes after you started.

Papers — within 3 working days, we come to you. Document table.

04 — At the till

Three ways your customer pays.

QR code

You show the QR code on your screen. The customer scans it and pays from their own phone.

Payment prompt

You type the customer’s phone number — a payment request pops up on their phone and they confirm with their PIN. Works on any phone, the customer needs no internet.

Payment link

Send the link in WhatsApp or SMS. The customer pays from wherever they are — you watch the status live.

05 — The app

Your phone is the terminal.

The app installs on the Android phone you already own. No terminal to buy, nothing to rent.

zoyk app — home screen with Airtel, MTN, Zamtel zoyk app — enter the amount zoyk app — QR code for payment zoyk app — share a payment link zoyk app — transaction successful zoyk app — live balance

06 — Control

Your staff take payments. Only you touch the money.

  • Every cashier gets their own login. They take payments on their phone — the withdraw button simply isn’t there. Only you can move money.
  • You see every payment as it happens. Amount, shop, cashier, time — on your phone, even when you’re at home.
  • A login works only on its own phone. It locks to the device on first sign-in, so a stolen password does nothing on another phone.
  • A cashier quits? Disable their login in one tap. The money never passed through their hands anyway.
The shop owner checks a payment on his phone while his cashier serves a customer
+ K 150 · Shop 2 · just now
07 — The dashboard

Every shop on one screen.

The owner’s dashboard: every payment, every terminal, every cashier — with reports you can filter and export.

zoyk dashboard — payments, totals and reports zoyk dashboard — cashier terminals under control

Friends at one table each pay from their own phones while the waitress stands by
Everyone pays at once — from their own phones.
08 — Reliability

Built for Friday night rush.

  • Customers pay from their own phones — no machine, no queue.
  • Failed payment? You see it instantly.
  • Live status. Digital receipt. Full history.
A zoyk agent helps a market stall owner fill in her registration form
We come to you — not the other way round
09 — Registration

Start today. Papers later.

We come to you. You don’t go to a bank.

  • Day 0 — install & start taking payments.
  • Days 1–3 — our agent visits your shop and helps with the documents.
  • Done — fully active.

You take payments from day one — and have 3 working days to hand in the documents.

Documents — find your case

I don’t have a registered company most shops, stalls and salons — you register as yourself
  • Your National ID (NRC)
  • Your TPIN certificate
  • A selfie — taken on the spot

No proof of address needed — our agent fills an address form right at your shop.

I have a registered company registered with PACRA — the company is the merchant
  • Company TPIN certificate
  • Certificate of Incorporation
  • PACRA printout
  • Proof of business address — lease or utility bill
  • National ID (NRC) and a selfie of the company’s director
10 — Pricing

Simple pricing. No monthly fees.
No hardware to buy.

You pay only when you get paid.

2%per payment — Airtel & MTN.
Zamtel — 3%.

All fees in one table

NetworkYou accept
fee per payment		You withdraw
to your own wallet
AirtelAirtel Money2%Free
MTNMTN MoMo2%1%
ZamtelZamtel3%1%
Withdraw to any bank accountFNB, Absa, Stanbic, Zanaco, Ecobank, UBA and more · from K100K10 flat
The app, cashier logins, reports, receiptseverything elseFree
11 — Coming next

Card payments on your phone.

Your Android phone becomes a full payment terminal — customers tap their Visa or Mastercard right on it.

Visa Mastercard Coming soon
A customer taps a bank card on the merchant’s phone

2% when you get paid. Free withdrawal. K0 to start.

Install the app
12 — Already live

Live in Zambia.
Built with Zambian merchants.

Real shops, real payments — every day.

Airtel on one phone, MTN on another, cash in the box. Now it’s one app, one balance — I check it in the evening and I’m done.

Grocery shop owner, Lusaka

It’s a game changer.

Taxi fleet owner

My cashiers take payments all day, but the money comes to me — not to their personal numbers. That’s exactly what I wanted.

Bar owner, two locations

Payments are processed by Zoykpay (Zoyk Pay Limited) — a payment service provider licensed by the Bank of Zambia, 5 years in the market.

AirtelAirtel Money MTNMTN MoMo ZamtelZamtel
13 — FAQ

Top questions.

But is it instant?
You withdraw to your own mobile money any time, right from the app. To any bank — K10 flat, from K100.
What are the charges?
2% per payment. No monthly fees. Withdrawals: free to Airtel, 1% to MTN/Zamtel, K10 to any bank. High volumes? Ask us about custom rates.
How do I get my money?
Every payment lands on your zoyk balance. From there: to your Airtel (free), MTN, or any bank — whenever you choose.
What documents do I need?
National ID + TPIN + a selfie — the full table is in the Registration section. No proof of address? Our agent fills a form right at your shop. No TPIN? Register free at portal.zra.org.zm.
Where do I install this?
Android — direct download link in the Getting started section. Google Play and the App Store — soon.

More questions

Where is the machine?
This is the machine — the app on your phone. Nothing to buy, nothing to wait for.
Do I need an account with every network?
No. One zoyk balance takes payments from Airtel, MTN and Zamtel — no separate SIMs or accounts.
Can my cashier take payments without touching the money?
Yes. Each cashier gets their own login with no withdraw button. Only you move money.
Can my staff use their own phones?
Yes — a login for each phone. One shared balance or separate balances per shop: your choice.
Can I see all my shops in one place?
Yes. Every transaction from every device, with filters and reports.
What if the customer has no smartphone or internet?
The prompt pops up on any phone — even a basic one. The customer just enters their PIN.
What about Visa / Mastercard?
Card payments on your phone — coming soon.
Is there a limit?
Mobile money is limited to K10,000 per transaction by the networks. Larger amounts go by bank transfer.
What if I change my phone?
Your login is locked to your device — that’s part of the security. Support moves it to the new phone in one go.
Do I need a printer?
No. Every payment comes with a digital receipt — share, download, or send by SMS/WhatsApp. A sale never stops because paper ran out.
Will I know about every payment even when I’m not at the shop?
Yes. A push for every payment at every outlet — plus one dashboard with everything.
I sell online — can I collect payments?
Yes. Send a payment link in any chat, watch the status live, ship when it says Successful.

Take your first payment today.

5 minutes to install. K0 to start. We handle the paperwork.

Install the appRegister

Free to install · 2% per payment · No monthly fees · Every network, one balance