Money should move as fast as the internet does.
Instant bank rails already exist in the UK and across the eurozone. ZyroPay makes them usable at checkout, so businesses get paid in seconds and keep more of each sale.
Cards were built for a world without instant payments.
A typical card payment passes through four or five intermediaries, takes days to settle and can be reversed months later. Each step adds a fee. Meanwhile Faster Payments has moved money between UK accounts in seconds since 2008, and SEPA Instant now does the same across the euro area.
Open banking connects the two. With the customer's consent, a payment can be initiated directly from their bank account, approved in their banking app and sent straight to the merchant's account. ZyroPay turns that into a checkout button, a hosted bank picker and a webhook your systems can trust.
| Card | ZyroPay | |
|---|---|---|
| Settlement | T+1 to T+3 | Seconds on instant rails |
| Chargeback risk | Up to 540 days | None |
| Who holds the money | Acquirer, then payout | Nobody: bank to bank |
| Customer data held | Card number | None |
| Authentication | 3-D Secure | Bank app |
Four commitments behind every payment.
We never hold your money
The customer's bank pays your registered account directly. There is no ZyroPay balance to wait on, and no payee field in our API, so a stolen key can't redirect a payment.
The customer's bank is in charge
We never see banking credentials. Every payment is authorised by the customer inside their own bank, under strong customer authentication.
Regulated rails
Payments are initiated under PSD2 and the UK Payment Services Regulations, through Yapily's regulated open banking network.
Built for engineers
Idempotent requests, per-merchant signed webhooks, clear error codes and a sandbox with a stub mode for end-to-end tests. One guide, readable start to finish.
Who does what.
Your contract is with ZyroPay. Payments run through a regulated open banking provider and land in your own bank account.
ZyroPay Ltd
Registered in [England & Wales], company number [00000000]. [Regulatory status].
Yapily
Open banking connectivity and payment initiation. [Add the regulatory wording agreed with Yapily].
Your bank
Payments settle to the business account registered at onboarding. ZyroPay never holds funds.
Build with us.
Whether you run a single shop or a payments platform, we'd like to hear what you're working on.