Now Live — Zippy Pay

Accept Payments. Verify Identity. Run Your Business.

Zippy Technologies powers Zippy Pay — a platform where merchants accept payments through checkout sessions and the Zippy mobile app, manage wallets and API keys in the merchant dashboard, and integrate with signed webhooks and the Checkout SDK.
For businesses: embed checkout, track transactions, and invite your team. For people: pay and verify identity from the Zippy app.

🔒
KYB Status
Approved
✓ Business Active
Payment Session
$1,240.00
⚡ Checkout completed
Webhook
Delivered
Verified
Zippy App Dashboard
Why Zippy Pay

Payments Built for Merchants and Customers

Traditional checkout stacks are fragmented — separate tools for identity, payments, API keys, and team access. Zippy Pay brings merchant onboarding, payment sessions, embedded checkout, webhooks, and the mobile payer experience into one platform. Merchants sign in to the dashboard, create API keys, and go live. Customers pay in the browser or the Zippy app.

Without Zippy Pay
The fragmented way
Scattered Integrations
Separate vendors for checkout, identity, webhooks, and team permissions — each with its own dashboard and credentials.
Manual Fulfillment
Relying on redirect URLs alone to confirm payment — no signed webhook events or session status reconciliation.
Exposed API Keys
Risk of passing server credentials to the browser instead of scoped client tokens for checkout.
No Team Controls
Shared logins with no invite-only access, role assignment, or audit trail for merchant operations.
Unregistered Origins
Checkout embedded on domains that were never allowlisted — leading to failed sessions and blocked payments.
Limited Visibility
No single view of wallets, payment IDs, transaction history, and webhook delivery status.
With Zippy Pay
One platform
Merchant Dashboard
Sign in at dashboard.zippypay.io to manage wallets, payment IDs, API keys, webhooks, and your business team.
Payment Sessions + Checkout SDK
Create amount-locked sessions from your server, embed @zippypay/checkout, and let customers pay in the browser or Zippy app.
Webhook-First Confirmation
Fulfill on signed payment_session.completed events — with GET session endpoints as a reconciliation fallback.
Secure Credentials
API keys (zp_live_…) stay on your server. Only sessionId and clientToken reach the browser.
Invite-Only Team Access
Invite managers, assign roles, and keep an audit trail of merchant portal activity.
Real-Time Transaction Visibility
Track balances, payment sessions, and delivery logs from one merchant operations hub.
Merchant Experience

Before and After Zippy Pay.

See how merchants and customers move from fragmented checkout to one connected Zippy Pay experience.

Without Zippy Pay

Manual tools, slow confirmation, and no single view of payments.

Sarah's Boutique
Manual Checkout
No embedded pay flow. Customers abandon carts at payment.
Invisible
Marcus
Redirect-Only
Fulfillment based on return URLs — no signed webhook events.
Invisible
Maria's Shop
Cash Only
Cannot accept online payments. Losing digital customers.
Invisible
James
Shared Login
Whole team uses one merchant password. No roles or audit trail.
Invisible
Priya
API in Browser
Server credentials exposed in frontend code — a critical security risk.
Invisible
Acme Coffee
No KYB Flow
Cannot create payment sessions — business not verified or active.
Disconnected
With Zippy Pay

Checkout, dashboard, webhooks, and mobile pay — connected end to end.

Sarah's Boutique
Checkout Live
Embedded @zippypay/checkout on her store. Customers pay in browser or app.
Visible
Marcus
Webhooks Verified
Fulfills on payment_session.completed with whsec_ signature checks.
Visible
Maria's Shop
Accepts Digital Pay
Payment sessions created from her backend. Customers pay via Zippy Pay.
Connected
James
Team Invited
Managers onboarded via invite-only portal access with role controls.
Visible
Priya
Secure Tokens
API key on server only. sessionId + clientToken passed to checkout.
Visible
Acme Coffee
Go-Live Ready
KYB approved, payment ID set, webhooks registered, checkout embedded.
Connected
Who It's For

Built for Merchants, Developers,
and Mobile Customers.

Zippy Pay connects three audiences: merchants who accept payments, developers who integrate checkout, and people who pay from the Zippy app. One platform — from dashboard.zippypay.io to docs.zippypay.io.

For Merchants

Accept Payments with Zippy Pay

Create payment sessions, embed checkout on your site, and manage everything from the merchant dashboard. Customers pay in the browser or Zippy app — you confirm with signed webhooks and track every transaction in real time.

Embedded Checkout
Embed @zippypay/checkout on your website. Customers complete payment in the browser or open the Zippy app — no custom payment UI required.
Merchant Dashboard
Sign in at dashboard.zippypay.io to track transactions, manage wallets and payment IDs, create API keys, and invite team members.
Webhook Confirmation
Receive payment_session.completed events at your HTTPS endpoint. Verify whsec_ signatures before fulfilling orders.
Mobile & Browser Pay
Customers can pay from the Zippy mobile app or embedded checkout on your registered domains.
Invite-only access. Contact us to get started.
Merchant Checkout Flow
1
Create a payment session Your server calls POST /api/v1/payment-sessions
2
Embed checkout Pass sessionId and clientToken to @zippypay/checkout
3
Customer pays In the browser or Zippy mobile app
4
Webhook confirms payment Verify signature and fulfill the order
For Developers

Integrate Zippy Pay Checkout

Accept payments with amount-locked checkout sessions, the @zippypay/checkout SDK, and signed webhooks. Create sessions from your server with zp_live_ API keys, embed checkout on registered origins, and fulfill on payment_session.completed events.

Checkout SDK
Embed @zippypay/checkout with sessionId and clientToken. Your backend never handles payer wallet details directly.
Signed Webhooks
Register an HTTPS endpoint and verify whsec_ signatures. Use webhooks as the source of truth for fulfillment.
Payment Sessions API
POST /api/v1/payment-sessions with idempotency keys and merchant references at api.zippypay.io.
Full Documentation
Code examples in Node, Python, PHP, Go, Java, and Ruby at docs.zippypay.io.
api.zippypay.io • docs.zippypay.io
checkout.js
// Embed checkout
ZippyPay.create({
  sessionId: 'zps_...',
  clientToken: 'zps_...',
  container: '#checkout'
});
Go-live checklist
KYB approved, business ACTIVE
Receive payment ID configured
API key created (zp_live_…)
Webhook endpoint registered
Checkout domains allowlisted
For Merchant Teams

Run Operations Together in the Dashboard

Zippy Pay merchant accounts are invite-only. Business owners invite managers and operators to the portal, assign roles, and keep a clear audit trail of who changed API keys, webhooks, or team access.

Invite-Only Access
Team members join through business invites — no public self-serve signup on the merchant portal.
Role-Based Permissions
Assign roles so the right people can manage payments, API keys, webhooks, and team settings.
Activity Audit Trail
Track portal activity for compliance, reconciliation, and operational accountability.
Shared Business View
One dashboard for wallets, payment IDs, transactions, and webhook delivery logs across the team.
Need access? Contact admin@zippytechnologies.net
Portal capabilities
Wallets & payment IDs
API key create & revoke
Webhook registration & deliveries
Allowed browser origins
Team invites & roles
Transaction history
1
Dashboard
Team
Invite & Roles
For People

Pay and Verify from the Zippy App

The Zippy mobile app lets you verify your identity, set up your wallet, and pay through merchant checkout — in the browser or directly in the app. Download from zippypay.io on iOS or Android.

Complete identity verification with government ID and selfie checks, manage your payment ID, and pay Zippy Pay merchants securely. Device binding, OTP verification, and a transaction PIN protect every payment.

Whether you are paying a local business, sending money to someone, or completing checkout on a merchant website — Zippy keeps it simple, secure, and in your pocket.

Verify identity and set up your wallet in the app
Pay merchants through embedded checkout
Send and receive with your Zippy payment ID
Track transactions and balances in real time
Secure every payment with device binding and PIN
Verify Once, Pay Anywhere
Complete identity verification in the Zippy app and use your verified profile to pay any Zippy Pay merchant — online or in person.
Pay Merchants Instantly
Complete checkout sessions from merchant websites in the app or browser. Fast, secure, and tied to your verified identity.
Shop and Pay Anywhere
Browse merchant websites, open checkout, and pay with your verified Zippy profile — in the browser or directly in the app.
Track Your Money in Real Time
See every payment, transfer, and checkout in one clear activity feed. Know where your money goes and stay in control.
Verify once, pay at any Zippy Pay merchant
What is Zippy

Payments and Identity, Built for Merchants and People.

Zippy Pay is a merchant checkout platform backed by the Zippy mobile app. Merchants create payment sessions, embed checkout, and confirm outcomes with webhooks. Customers verify once in the app and pay anywhere Zippy Pay is accepted.

Zippy Technologies builds the tools — dashboard, API, checkout SDK, and mobile app — that let businesses accept payments and let people pay securely without rebuilding their own payment stack.

Merchant Dashboard Checkout SDK Mobile App Signed Webhooks

How Zippy Pay Works

From merchant session to customer payment

1
Merchant Creates a Payment Session Your server calls the Zippy Pay API with amount, currency, and merchant reference. You receive a sessionId and clientToken for checkout.
2
Embed Checkout on Your Site Pass the session to @zippypay/checkout on a registered origin. The payer sees a secure, amount-locked checkout experience.
3
Customer Pays in Browser or App The payer completes checkout using their verified Zippy profile. Identity, device binding, and PIN protect every payment.
4
Webhook Confirms Completion Zippy sends payment_session.completed to your endpoint. Verify the whsec_ signature and fulfill the order.
5
Reconcile in the Dashboard Track sessions, transactions, and webhook deliveries in the merchant portal at dashboard.zippypay.io.
Go live in days Not months
✓ Documented
Platform

Everything in the Zippy Pay Stack

Merchant tools, mobile payments, and developer integrations — built to work together from day one.

Zippy Pay for Merchants

Accept payments through amount-locked checkout sessions. Your backend creates sessions with an API key; customers pay in the browser or Zippy mobile app; you confirm outcomes with signed webhooks.

  • Merchant dashboard at dashboard.zippypay.io
  • Business KYB and payment ID setup
  • Checkout SDK (@zippypay/checkout)
  • Payment sessions (zps_ client tokens)
  • Signed webhooks (whsec_ secrets)
  • Team invites and role-based access
  • Allowed browser origins for checkout
  • Transaction and wallet visibility

Zippy Mobile App

The Zippy app lets people verify identity, manage their wallet, and complete payments initiated through merchant checkout — including payer authentication handled by Zippy, not your backend.

  • Pay through embedded merchant checkout
  • Identity verification (Imagine KYC)
  • Wallet and payment ID management
  • Share and receive via zippypay.io
  • Available on iOS and Android
  • Device-bound security and transaction PIN
  • Real-time payment notifications
  • Built for the Caribbean and beyond
Developers

Integrate in Days, Not Months

Complete KYB, create an API key, register webhooks, and embed checkout. Full documentation, code examples, and a merchant portal checklist are at docs.zippypay.io.

Getting Started Merchant Portal
How It Works

From Session Create to Payment Complete

Create Session

Your server calls POST /api/v1/payment-sessions with your zp_live_ API key

Embed Checkout

Pass sessionId and clientToken to @zippypay/checkout on a registered origin

Customer Pays

Payer completes checkout in the browser or Zippy mobile app

Webhook Fires

Zippy sends payment_session.completed with a signed payload to your endpoint

Fulfill Order

Verify the whsec_ signature, update order state, and reconcile in the dashboard

Developer Tools

Built for Merchant Integrations

Checkout SDK, REST API, and signed webhooks — everything documented at docs.zippypay.io.

Checkout SDK

@zippypay/checkout

Embed the Zippy Pay checkout experience in your application. Pass sessionId and clientToken from your server — never expose your API key in the browser.

✓ Amount-locked payment sessions
✓ Browser and mobile payer flows
✓ Allowed origin enforcement
✓ onComplete / onError callbacks
✓ Theming and lifecycle controls
// Embed checkout
ZippyPay.create({
  sessionId: 'zps_...',
  clientToken: 'zps_...'
});

Payment Sessions API

Server-side

Create payment sessions from your trusted backend with X-Api-Key. Sessions move through CREATED → AWAITING_PAYMENT → COMPLETED (or terminal failure states).

✓ POST /api/v1/payment-sessions
✓ Idempotency-Key support
✓ merchantReference for reconciliation
✓ GET by sessionId or reference
✓ Production at api.zippypay.io
// Create a session
POST /api/v1/payment-sessions
  X-Api-Key: 'zp_live_...'

Signed Webhooks

Event delivery

Receive payment_session.completed and related events at your HTTPS endpoint. Verify every delivery with your whsec_ signing secret before updating order state.

✓ payment_session.completed events
✓ Signature verification (whsec_)
✓ Delivery logs in merchant portal
✓ Manual resend for failed deliveries
✓ Webhook-first fulfillment pattern

REST API + Webhooks

Developer Access

Full REST API access with real-time webhook events for every verification, transaction, and fraud alert. Integrate once. Works with any backend stack.

Node.js Python PHP Java React Native iOS / Android
✓ Real-time webhooks for all events
✓ Sandbox environment for testing
✓ Full API documentation + Postman

Works With Your Stack

E-commerce, SaaS, marketplaces, and mobile apps — if you need checkout and webhooks, Zippy Pay integrates in days.

View API Docs
Merchant Dashboard

One Place to Run Payment Operations

The Zippy Pay merchant dashboard gives you real-time control over wallets, payment IDs, transactions, API keys, webhooks, and team permissions. Sign in to manage your business — merchant accounts are invite-only.

Track transactions and balances, create and revoke API keys, invite managers with role-based access, and review webhook delivery logs — all from dashboard.zippypay.io.

Instant Balance Updates
Your balance reflects every inbound and outbound transaction within seconds of completion
Fully Protected Transaction Records
AES-256 encrypted audit trails with timestamps, device logs, and authorization records for every transaction
Live Fraud Monitoring
Every transaction scored in real-time against behavioral patterns, device data, and velocity checks
Zippy Activity Dashboard
Security Infrastructure

Security Is Not a Feature. It Is the Foundation.

Multi-layer security that protects every checkout, identity check, and transaction from device to confirmation.

01

Device Binding

Every account is tied to a registered device fingerprint and token. Unknown devices immediately trigger OTP verification and risk review before any access is granted.

02

OTP Authentication

Changing devices, updating sensitive profile information, or completing high-risk actions requires one-time password verification to confirm account ownership.

03

Transaction PIN

Every transfer and payment requires a secure 6-digit transaction PIN, entirely separate from device access and login credentials, creating dual-factor transaction protection.

04

AES-256 Encryption

All customer data is encrypted at rest with AES-256 and in transit with TLS 1.3. HSM-backed cryptography and tokenized identifiers protect every sensitive credential.

05

Real-Time Fraud Engine

Every transaction is scored against behavioral patterns, geolocation, IP reputation, velocity checks, blacklist databases, and sanctions lists before approval is granted.

06

Full Audit Trail

Every action including timestamps, IP logs, device metadata, and authorization records is retained for dispute resolution, compliance reporting, and fraud investigation.

Get the App

Take Zippy Everywhere You Go

The Zippy app brings mobile payments and identity verification to your pocket. Pay through merchant checkout, manage your wallet, and stay in control — available on iOS and Android via zippypay.io.

Download on the
App Store
Get it on
Google Play
Zippy QR Code

Scan to download
the Zippy app

zippypay.io

For Merchants & Developers

Access the Zippy Pay merchant portal and developer docs to manage payments, generate API keys, and integrate checkout into your site or app.

Merchant Portal Sign In Merchant Integration Guide API Documentation Developer Getting Started
Regional Focus

Built in the Caribbean.
Ready for Merchants Everywhere.

Zippy Pay is developed by Zippy Technologies with a focus on Caribbean merchants and consumers. Accept payments online, embed checkout on your site, and let customers pay from the Zippy mobile app.

🌴
Caribbean First
Designed for local merchants, developers, and consumers across the region.
Merchant Checkout
Payment sessions, embedded checkout, and signed webhooks for your business.
Mobile App
Customers verify identity and pay through checkout on iOS and Android.
Developer Docs
Full API reference and integration guides at docs.zippypay.io.
Testimonials

What People Are Saying

★★★★★

We embedded Zippy Pay checkout in a weekend. Sessions, webhooks, and the dashboard gave us everything we needed to start accepting payments online.

MJ
Marcus James
Small Business Owner, Kingston
★★★★★

One place to run our payment operations, API access, and team permissions. The merchant dashboard keeps everything we need in a single sign-in.

MO
Merchant Operations Lead
Zippy Pay Merchant
★★★★★

The checkout SDK and webhook docs are clear. We had payment sessions running in staging before our first merchant call.

SK
Sarah Khan
Lead Developer, E-commerce Startup
FAQ

Common Questions Answered

Have a question not covered here? Our team can walk you through merchant onboarding, checkout integration, or the mobile app.

Zippy Pay is a technology platform, not a bank. Zippy Technologies Inc. provides payment session infrastructure, checkout tools, and identity verification technology. Funds are processed through participating financial institutions and payment processors. Zippy does not hold customer funds as deposits unless expressly disclosed for a specific regulated product.
Merchants receive invite-only access to the portal at dashboard.zippypay.io. Complete business verification (KYB), confirm your business is ACTIVE, create your receive payment ID, register allowed checkout domains, then create an API key and webhook endpoint. Full steps are in the getting started guide.
The merchant dashboard is where you sign in to manage wallets, payment IDs, API keys, webhooks, and your business team. Track transactions and balances, configure allowed browser origins for checkout, and review webhook delivery attempts — all in one place.
Treat signed webhooks as the source of truth. When a payment succeeds, Zippy sends payment_session.completed to your registered HTTPS endpoint. Verify the whsec_ signature on the raw request body before fulfilling the order. You can also poll GET /payment-sessions from your backend as a reconciliation fallback — do not rely on redirect URLs alone.
Yes. Your server creates a payment session, then you embed @zippypay/checkout with the returned sessionId and clientToken. Register every production checkout domain under Integrations → Allowed browser origins in the merchant portal before going live. Never expose your zp_live_ API key in browser code.
All customer data is encrypted at rest using AES-256 and in transit using TLS 1.3. Sensitive identifiers are tokenized where applicable. Zippy maintains audit trails including timestamps, device logs, and authorization records for compliance and fraud investigation purposes.
Zippy Technologies Inc. is a subsidiary of Billionaire Holdings Inc. and operates with teams across the US, Jamaica, and the Caribbean region. Our US office is located at 218 NW 24th Street, 2nd and 3rd Floors, Miami, Florida 33127.
Get In Touch

Talk to Our Team

Whether you are a merchant exploring Zippy Pay, a developer integrating checkout, or a partner interested in the platform — our team will help you find the right path.

Headquarters
218 NW 24th Street, 2nd & 3rd Floors
Miami, Florida 33127, USA
Who should reach out?
Merchants wanting Zippy Pay access
Developers integrating checkout or webhooks
Consumers using the Zippy mobile app
Support for existing merchant accounts

Contact Us

Already a merchant? Sign in to the dashboard. Otherwise, send us a message and we will respond within 24 hours.

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Get Started

Ready to use Zippy Pay?

Merchants: sign in to the dashboard. Developers: read the docs. Everyone else: contact our team.