The complete financial infrastructure to accept payments.The complete financial infrastructure to accept payments, automate payouts, and manage virtual accounts globally.

create_transfer.ts

import { Zapi } from '@zapi/node';

const zapi = new Zapi('sk_live_...');

// Create a transfer to a connected account
const transfer = await zapi.transfers.create({ 
  amount: 5000,
  currency: 'etb',
  destination: 'acct_1Lj2...',
  description: 'Marketplace payout',
});

process_payment.ts

import { Zapi } from '@zapi/node';

const zapi = new Zapi('sk_live_...');

// Process a secure global payment
const payment = await zapi.payments.create({ 
  amount: 12500,
  currency: 'etb',
  payment_method: 'tele_birr',
  confirm: true,
});

verify_webhook.ts

import { Zapi } from '@zapi/node';

const zapi = new Zapi('sk_live_...');

// Verify and handle incoming webhook events
const event = zapi.webhooks.constructEvent(
  req.rawBody,
  req.headers['zapi-signature'],
  'whsec_live_...'
);

From fragmented payment flows to one clear path.

This section now shows the contrast immediately: multiple direct integrations create scattered operational logic, while Zapi collapses those moving parts into one clean layer before traffic reaches your system.

Without Zapi

Fragmented provider-by-provider logic

Each payment rail carries its own integration layer, which means more duplicated operational handling before requests ever reach your product.

Three auth surfaces

Three event contracts

Three reconciliation paths

With Zapi

One unified layer before your stack

A single Zapi layer absorbs provider differences so your product sees one stable operating model instead of multiple moving parts.

One auth layer

One event model

One ledger view

A unified API.
For complex operations.

No marketing fluff. Just concrete, functional tools engineered to give your operation absolute clarity and scale.

Centralized Transaction Ledger

A single, real-time interface tracking volume, successful charges, and failure distributions across all payment methods. RECONCILIATION TIME: 0 MINUTES. Automated end-of-day ledgering eliminates manual spreadsheet exports entirely.

POST /webhook/zapi

{

"type": "payment.success",

"data": {

"id": "txn_12345",

"amount": 50000,

"currency": "etb",

"provider": "telebirr"

}

Event-Driven Webhooks

LATENCY: <200MS. Idempotent JSON payloads delivered instantly to your origin server with a 3-try retry policy, event logging, and manual webhook refiring.

Total: 1,000 ETB

PlatformFee

MerchantBalance

Automated Multi-Party Settlement

Programmatically divide a single transaction value between multiple destination accounts at the point of charge. Removes the operational overhead of manual monthly payouts entirely at the API level.

Test Mode

Simulate payments

Simulated latency150ms

Mock errors

DisabledEnabled

Full-Fidelity Test Mode

A complete replica of the production environment that simulates successful payments, specific error codes, network timeouts, and webhook delays. Test your entire integration end-to-end using simulated numbers before ever asking for compliance approval or processing a single real Birr.

Client Request

Idempotency-Key: req_9x8...

Zapi Server

Same 200 OK returned

Idempotency-Key Enforcement

Zapi saves the state of every request mapped to a unique client-generated key. 0% DOUBLE-CHARGE RATE. Automatic deduplication filters duplicate payloads over a strict 24-hour window, preserving transactional integrity across unstable mobile networks.

Original Charge1,000 ETB

Refunded-1,000 ETB

API-Driven Adjustments

Trigger partial or full reversals directly through a single POST call or via the dashboard. 1 UNIFIED STATE MACHINE. Instantly track, execute, and settle reversals across disparate banking ledger timelines from a single POST request.

The Developer Experience

Time-to-First-API-Call matters. Zapi is production-ready, beautifully designed, and takes less than ten minutes to integrate.

Multi-Environment Architecture

Instant Sandbox Mode

Every account comes with mirroring test and live environments. Toggle your API keys from sk_test_... to sk_live_... instantly without changing a single line of business logic.

Idempotency & Safety

Built-in Idempotency Keys

Network drops happen. Prevent double-charging a user on weak mobile connections by passing an Idempotency-Key header. Zapi guarantees a request will execute exactly once, regardless of retries.

Webhook Reliability

Robust Event Delivery

If your server goes down, we don't drop your data. Zapi retries failed webhook deliveries using an exponential backoff schedule over 24 hours, keeping your ledger perfectly synchronized.

import { Zapi } from '@zapi/node';

const zapi = new Zapi('sk_test_51Nx...');

// Process a secure payment with built-in idempotency
const payment = await zapi.payments.create(
  { 
    amount: 12500,
    currency: 'etb',
    payment_method: 'tele_birr',
    confirm: true,
  },
  { 
    idempotencyKey: 'req_9x8aZ41...'
  }
);

Scale that holds under pressure.
Measured across the platform.

A clear operating picture for finance, risk, and engineering teams evaluating whether the infrastructure can hold at production scale.

$18.4B

Total Processed across the platform in 2025

142M

Confirmed payment events handled in 2025

99.982%

Global gateway availability maintained in 2025

+38%

Increase in processed volume versus 2024

Compliance, security, and uptime.
Built into the core infrastructure.

Zapi gives founders, compliance teams, and enterprise operators one platform engineered for regulatory alignment, ledger integrity, and dependable local availability.

Fully Compliant Infrastructure

Engineered in strict alignment with national financial frameworks. Zapi works transparently with the National Bank of Ethiopia (NBE) Licensing Directorate to ensure all payment processing meets the highest domestic standards.

A permanent, secure, and fully authorized framework you can scale your entire enterprise on.

Absolute Ledger & Data Fidelity

Every transaction is backed by an unalterable, double-entry ledger architecture. With end-to-end encryption and strict tokenization, Zapi intercepts fraud vectors before they touch your system.

Zero data leaks, zero reconciliation errors, and complete data isolation.

Engineered for 99.9% Local Uptime

Built on redundant cloud architecture optimized for local connectivity barriers. Zapi handles intermittent network timeouts and carrier drops gracefully, maintaining stable connections to major local entities.

Your checkout remains open for business 24/7, even during peak traffic loads.

Fraud Prevention & Risk Controls

Adaptive transaction monitoring, velocity checks, and behavioral risk rules help Zapi identify suspicious payment patterns before they turn into fraud, reversals, or operational loss.

Fewer fraudulent transactions, faster incident response, and tighter control over risk exposure.

Ready To Get Started?

Create a sandbox, ship your first integration faster, and move into production with one platform for payments, payouts, and virtual accounts.

Get Started Create Sandbox