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Merchant & Business

For Merchants & Businesses

Accept payments, manage your business, and settle instantly — ZovoPay gives your business the infrastructure it deserves.

Built for Business

Your business runs better on ZovoPay.

From a single kiosk to a multi-branch enterprise, ZovoPay gives every Syrian business the same tool that global merchants use: instant QR payments, payment links that work on any device, card acceptance with 3D Secure, a built-in POS, real-time settlement, and a full back-office through ZovoHub. One platform. Zero paper. No middlemen.

Payment Tools

Every way to get paid — in one place.

QR Payments — instant and contactless.

Display your merchant QR code and your customer pays in under a second — from any ZovoPay wallet. No terminal, no swipe, no friction. Works offline-display so even without mobile data the code is always ready.

Payment Links — share anywhere, collect everywhere.

Generate a payment link for any amount in seconds. Share it via WhatsApp, SMS, or email. Your customer taps, pays, and you receive confirmation instantly — with no app download required on their end.

Card Acceptance — Visa, Mastercard, 3DS enforced.

Accept international cards through our secure payment gateway with 3D Secure authentication enforced on every transaction. Funds are credited to your ZovoPay merchant wallet after verification — protected against chargebacks from day one.

Built-in POS — sell, shift, reconcile.

A full point-of-sale inside ZovoHub: product catalog, live inventory, cashier shift management with cash reconciliation, and thermal receipt printing via ESC/POS. Every sale posts automatically to your accounting engine.

Instant Settlement — your money, your timing.

Request a settlement at any time and funds move to your nominated account without business-hours delays. No end-of-day batch. No waiting for the bank to open. Your balance is always yours to access.

Multi-branch & Staff Management — one dashboard, every location.

Add unlimited branches, assign employees with scoped permissions, and monitor transactions across every location in real time. Each employee's authority — from sales to settlement approval — is defined precisely and auditable.

Introducing ZovoHub

ZovoHub — the merchant back-office built for your sector.

ZovoHub is ZovoPay's partner and merchant SaaS aggregator. It goes far beyond payments: a complete business management suite shaped to your type of business — whether you run a retail shop, a restaurant, a clinic, a travel agency, or a multi-category enterprise. Every dashboard is tailored. Every report is actionable.

Double-entry Accounting — built in, always balanced.

A full double-entry accounting engine inside ZovoHub: chart of accounts, balanced journal entries, automated sale and expense posting, trial balance, income statement, balance sheet, and VAT reports — all per merchant, in real time.

Inventory & Expiry Tracking — know what you have, before you need it.

Real-time inventory management with variant support, expiry-date tracking, automatic stock movements on every POS sale, and low-stock alerts. Your shelves and your ledger always agree.

Sector-specific Dashboards — your tools, not generic ones.

ZovoHub detects your business type and surfaces the right tools: appointments for clinics and salons, travel itineraries for agencies, product variants for retailers, and a company-grade dashboard for enterprises managing multiple subsidiary merchants.

PDF & Thermal Reports — professional output, always ready.

Export any accounting report — trial balance, income statement, balance sheet — as a clean, branded PDF. Print thermal receipts directly from the POS cashier screen. Your accountant and your customers both get what they need.

Developer API

Build on ZovoPay — integrate payments into anything.

Our RESTful API lets developers embed ZovoPay payments, QR generation, wallet queries, and settlement triggers directly into your own platform, ERP, or e-commerce storefront. Authenticated with scoped API tokens, documented, and designed for production-grade reliability.

Scoped API tokens — control exactly what each integration can do.
Idempotent requests — safe retries, no duplicate charges.
Webhook notifications — your systems know the moment a payment clears.
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Why Businesses Choose ZovoPay

The advantage is clear.

No cash handling risk

Digital payments mean no counting errors, no theft exposure, and no reconciliation headaches at day's end.

Multi-currency ready

Accept payments in Syrian pounds, US dollars, and 30+ other currencies from the same merchant account — with live exchange rates applied transparently.

Bank-grade security on every transaction

End-to-end encryption, 3DS card authentication, KYC-verified counterparties, and a full audit trail on every payment your business receives.

One account — consumer, merchant, and business

The same ZovoPay account lets you pay your suppliers, receive from your customers, manage staff, and run payroll — without switching platforms or juggling multiple banks.

+30 Currencies Accepted Instant Settlement 3DS Card Security KYC Verified Counterparties UK-registered Company

Ready to accept payments?

Open your merchant account today.

Fast onboarding. Transparent fees. The full ZovoHub back-office from day one — no monthly platform fee during the launch period.

Register as Merchant Explore ZovoHub Contact Sales