One payment gateway.
Every way to pay.
White-label payment gateway for cards, crypto, open banking and 250+ local methods across 180+ countries. Smart routing and iGaming-grade fraud prevention — live under your brand in 24 hours.
Everything you need to move money.
Acceptance, payouts, routing, risk and reconciliation — one integration, one dashboard, one contract.
Pay by Bank. Settled in seconds.
Account-to-account payments across the EU under PSD2 and the UK Open Banking Standard. No card data, no card-scheme chargebacks, lower fees than cards.
- Bank-authenticated payments with built-in SCA — no card data, no 3DS friction
- Local favourites in one flow: iDEAL, BLIK, Bancontact, Przelewy24
- Account information (AIS) for instant account verification and source-of-funds checks
- Lower cost than cards and no card-scheme chargebacks
Every payment method, one API.
Cards, open banking, mobile wallets, crypto and local APMs — unified with smart routing and automatic failover.
Cards
Accept card payments worldwide with 3DS2, network tokenization and cascading retries across 15+ acquirers.
Your own payment gateway, live in 24 hours.
Complete payment infrastructure under your brand. No development needed — plug in your merchants and start processing.
- 1Day 1
Sign agreement
Paperwork done in hours, not weeks.
- 2Day 1–2
Brand & configure
Your logo, domain and colours — we mirror your identity.
- 3Day 2
Deploy infrastructure
Isolated cloud environment with dedicated database, cache and SSO.
- 424h
Go live
Process real transactions under your brand.
Enterprise platform, zero complexity.
Dashboard
AnalyticsReal-time KPIs, charts and a live transaction feed.
Transactions
CoreFull lifecycle — search, filter, refund, void, capture.
Smart Routing
AIRules-based and ML routing across 75+ providers for higher approval rates.
Risk & Fraud
SecurityVelocity checks, device fingerprinting, iGaming chargeback database.
Merchants
CoreMulti-tier merchant management with RBAC, KYC status and limits.
Settlements
FinanceAutomated settlement batching and multi-currency payouts.
Fraud prevention built for iGaming.
Real-time protection designed for high-risk verticals. Our shared chargeback database stops abuse before the deposit.
AI transaction scoring
ML model analyses 100+ signals per transaction — device, behaviour, velocity, geolocation — in under 50ms.
Device fingerprinting
Cross-session browser and device matching. Detects emulators, VPNs and proxies automatically.
Velocity controls
Real-time limits by card, IP, email and device with custom rules per merchant.
iGaming chargeback DB
Shared intelligence on known chargeback abusers across iGaming merchants, checked before deposit.
3DS2 & SCA engine
Applies SCA when required and exemptions for low-risk traffic to keep checkout frictionless.
PCI DSS Level 1
Card data tokenised and stored in isolated HSM-protected vaults.
Global reach, local acceptance.
Local methods, local currencies and local acquiring — through one integration.
Europe
45+ countriesOpen Banking (PSD2) · SEPA Instant · iDEAL · BLIK · Bancontact · Przelewy24
United Kingdom
Open Banking · Faster Payments · Cards · Apple Pay · Google Pay
Asia-Pacific
30+ countriesUPI · PayID · PromptPay · PayNow · GCash · GrabPay
Americas
35+ countriesACH · PIX · Boleto · OXXO · SPEI · Interac
Africa & Middle East
40+ countriesM-Pesa · Airtel Money · MTN MoMo · Fawry · STC Pay
Built for high-growth verticals.
Payments, decoded.
Playbooks on approval rates, routing, risk and open banking from the ZepoPay team.
What is ZepoPay?
ZepoPay is a payment gateway and orchestration platform that connects you to 75+ payment providers and 250+ payment methods — cards, open banking, crypto, wallets and local APMs — through a single API. It can also be deployed as a fully white-labelled gateway under your own brand.
Do you support open banking in Europe and the UK?
Yes. ZepoPay supports Pay by Bank across the EU/EEA under PSD2 with settlement over SEPA Instant, and across the United Kingdom under the UK Open Banking Standard with settlement over Faster Payments.
How fast can we go live?
A white-label deployment can process live transactions within 24 hours of signing. A standard API integration typically takes around two days.
Which industries do you work with?
We specialise in high-risk and high-growth verticals: iGaming and sports betting, crypto and Web3, forex and trading, as well as e-commerce and SaaS.
How does ZepoPay prevent fraud and chargebacks?
Every transaction passes through six layers: AI scoring, device fingerprinting, velocity controls, a shared iGaming chargeback database, a 3DS2/SCA exemption engine and PCI DSS Level 1 tokenisation.
Which countries do you cover?
ZepoPay covers 180+ countries across Europe, the UK, Asia-Pacific, the Americas, Africa and the Middle East, with local methods such as UPI, PayID, PIX, BLIK, iDEAL and M-Pesa.
Ready to process payments everywhere?
Book a 30-minute demo. Go live under your brand in 24 hours.