Without ZapiTraditional way
Every provider. Another integration.
- Separate credentials and provider specific logic
- Different webhook formats to maintain
- Scattered records to reconcile
The complete financial infrastructure to accept
payments, automate payouts, and manage virtual accounts globally.
create_transfer.ts
One integration. Less overhead.
Stop rebuilding the same infrastructure for every provider. Connect once and give your team one consistent way to move money.
With ZapiUnified by design
One connection. Everything connected.
- One authentication layer for every provider
- Consistent events across payment methods
- A single view of your transactions
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.
Developer experience
Made for the way
you actually build.
From your first test request to the events that power your product, everything works through one consistent integration.
One API
One request. A connected payment flow.
Keep your application focused on the experience you're building, not on the differences between payment providers.
01Send a payment request
02Get a consistent response
03Keep your app in sync
import { Zapi } from '@zapi/node'
const zapi = new Zapi('sk_test_your_key')
const payment = await zapi.payments.create({
amount: 12500,
currency: 'etb',
payment_method: 'tele_birr',
confirm: true,
}){
"id": "pay_123",
"amount": 12500,
"currency": "etb",
"status": "processing",
"payment_method": "tele_birr"
}Build in test mode
Try your integration before taking a live payment.
Control every request
Use a request key to handle retries with confidence.
React to events
Keep your product in step with payment activity.
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.
Start building with Zapi
Build what moves
your business forward.
One integration for payments, payouts, and virtual accounts. Start in test mode and grow from there.