Pay with confidence


Pay with confidence

Save time and money with ZNPay’s mobile payment solution for consumers and merchants.  We are revolutionizing the way we pay for goods and services using the latest in banking, mobile and information technology.  

Our payment solution enables secure account to account mobile initiated payments at merchant locations. Payments come with exceptional fraud protection mechanism and instant information by an e-mail.   

No need to carry wallet full of receipts and search for them in vain when needed.  We store all invoices and receipts for you for future reference.   

Realtime bonus & loyaltyand self-scanapplications can be equipped by our payment App.  Increase customer loyaltyand save operating expenseswith ZNPay.


Using instant transfers from one account to another, insured institutions are always in possession of your payments.  We are no wallet – money never leave the bank.  

Payment with Peace of Mind


e-mail: info@znpay.net


Connect Unlimited Accounts and Cards

You can connect several account in one time

  • Create your unique Digital Payment Identity which can be shared for any payments through any Apps in your smartphone and tablets.  


  • Have a clear overview of your all finances
  • Capture your payment card and use them for frictionless payment in any Apps
  • Enjoy to use your accounts for direct payment
  • All of your accounts in one place


  • Select your preffered payment method
  • Pay by direct payment through your banking account
  • Pay by payment card virtualized in your App
  • Set custom spending limits

Enable your mobile phone to securely pay for your shopping

Use ZNPay plug-ins to pay with your favorite mobile phone application. You can pay whenever and where payment modules from ZNPay are implemented.

It is simple:  Pay them in 3 steps:

  1. Open the ZNPay App

  2. Scan the merchant’s QR Code / get the merchant to scan QR Code on your mobile phone screen

  3. Check the amount on the screen and push PAY button.  

Have Loyalty or Self Scan Program with ZNPay functionality? 


  1. The Program fills is the data

  2. Check the amount and push PAY button.

Is it secure?  Absolutely, more secure than paying by a payment card!

  1. Payment function is protected by 2 customer authentication factors (payment cards have only 1)

  2. Payments are permitted only against an invoice or receipts from the merchant

  3. Only merchant acquired by ZNPay can issue the relevant invoice or receipt

  4. Two-way communication prevents fraud

  5. Neither the invoice or receipt nor Consumer details appear in the public space

  6. Smart phone is impossible to clone (unlike a payment card)

  7. Information about a payment is instant - by e-mail

  8. Cross-border payments are not available at present

  9. All communication with your bank is via a secure API interface like your internet banking

  10. All your data on our system are encrypted

What happens if I lose the phone or buy new one?

  1. Nobody can get access to the payment function that is protected by PIN

  2. Once you block the payment App online via this web the App is disabled permanently and cannot be ever reactivated

Use your Loyalty Account

  • Getting nice discounts 
  • Manage better your vouchers
  • Get additional value from your mechants



Top Grade Security

Your accounts will always be safe and secure with our bank-grade security and encryption systems

All security tools are using banks API which are tested every time agains potential hackers. If you trust your mobile banking application from your bank that you can trust ZNPay application.