Control how value moves.
Control the payment lifecycle from business rules to financial truth.
Enterprise financial infrastructure
Control complex payment, revenue and commerce operations.
From B2B collections to online and in-store payments, manage payments, receivables and commerce channels under one operating model. Keep your existing banks, payment providers and business systems while bringing control into one place.
B2B operationsAccount-based flows
Dealers · Distributors · Receivables · Recurring collections
B2C & omnichannelChannel-based flows
Online · Store · App · Marketplace
Financial outcomes
CollectionsPayment performanceReconciliationTransaction economics
Enterprise transaction models
One enterprise. Different transaction models.
Enterprise operations rarely fit one payment pattern. Account-based B2B flows and channel-based consumer transactions can coexist across the same organization — with different rules, systems and financial outcomes.
B2B operations
Account-based financial flows
- Dealer & distributor accounts
- Receivables & collections
- Payment terms & installments
- Recurring collections
- ERP-connected finance
B2C & omnichannel
Channel-based transaction flows
- E-commerce checkout
- Store & terminal payments
- Mobile & digital channels
- Marketplaces
- Conversion & payment performance
One operating model
A common operating language across transaction environments.
Start with context, shape the eligible experience, make a controlled decision, execute through the right connected system, verify the financial outcome and act on what happens next.
Zopio operating model
- 01Context
- 02Shape
- 03Decide
- 04Execute
- 05Verify
- 06Act
Product architecture
Three operating domains. One connected infrastructure.
Adopt the domain you need first. Payments, Revenue and Commerce remain independently useful while sharing the operating model and connectivity required to work together.
Turn receivables and revenue signals into action.
Turn revenue decisions into measurable actions and outcomes.
Optimize transaction experiences and economics.
Optimize commerce experiences, channels and transaction economics.
Enterprise-ready by design
Complexity should increase control, not fragmentation.
Zopio is built for environments where multiple channels, providers, business systems and transaction models need to remain observable and governable as the organization grows.
Provider-independentKeep business logic independent from individual banks, PSPs and acquirers.
Explainable decisionsUnderstand why a route, action or outcome was selected — not only what happened.
Connected ecosystemConnect financial providers with ERP, CRM, commerce and internal systems through shared infrastructure.
Operational controlTreat resilience, auditability, security and visibility as infrastructure concerns.
Connected ecosystem
Keep existing providers and business systems connected to one operating model.
Zopio connects the financial providers and business systems your operation already depends on, so business logic can remain portable instead of being rebuilt around every integration.
Financial providers
BanksAcquirersPSPs
ZopioOperating model + connectivity
Business systems
ERPAccountingCRMCommercePOSInternal systems
Commercial alignment
Infrastructure should create value before it creates fixed cost.
No upfront software license or setup fee · No fixed platform fee
Pricing scales with actual usage, transaction activity and the agreed commercial scope.Explore our Commercial ModelFrom Resources
Understand the operating problem before choosing the solution.
Technical analysis and decision guidance from the Zopio resource library.
Explore ResourcesWhen is retrying a timed-out payment dangerous?
A timeout is not a failed payment. The dangerous moment is when the client loses certainty about what the provider actually executed.
Why billing and revenue recognition should not be the same system
Billing determines what to charge and when. Revenue recognition determines when earned consideration should appear as revenue under the applicable accounting model.
Why omnichannel commerce is not just one PSP across every channel
A common provider can simplify procurement, but omnichannel architecture is really about shared identity, policy, data and financial truth across distinct transaction contexts.
Case Studies
See how real operating problems are connected in practice.
Explore how payment, revenue and commerce operations are made more connected and controllable across different industries.
Explore all case studiesEstablished automotive retail group
Connecting high-value vehicle sales to the payment lifecycle
How an established automotive retailer connected vehicle context, deposits, payment plans, financing choices and financial closure across a high-value used-vehicle journey.
View case study
Enterprise beverage & FMCG distributor
Extending digital ordering into order-to-cash
How an enterprise beverage and FMCG distributor connected digital ordering, customer receivables, collection actions and cash application across a large route-to-market operation.
View case study
Enterprise health & wellness brand
Making D2C health commerce economically visible
How an enterprise health-and-wellness brand connected checkout, promotions, payment cost, refunds and settlement into one transaction-economics model for direct commerce.
View case study
Modular by design
Start with what you need. Expand when you need more.
Start with the operating problem that is hardest to control. Whether it begins with B2B collections, payment infrastructure or omnichannel commerce, connect more only when it creates additional value.
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