Global financial infrastructure

Financial infrastructure for payments, revenue and commerce.

Control the transaction lifecycle from business rules and payment intent to revenue action and financial outcome — across connected providers, channels and systems.

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PaymentsControl the payment lifecycle from business rules to financial truth.

ShapeDecideExecuteVerify

RevenueTurn revenue decisions into measurable actions and outcomes.

ExecuteRepeatMonetizeRecognize

CommerceOptimize commerce experiences, channels and transaction economics.

In-StoreOnlineChannelEconomics

Start with what you need. Expand when you need more.

Product portfolio

Three operating domains. One connected transaction lifecycle.

Each product can solve a focused problem. Together, they form a connected operating model for payments, revenue and commerce without forcing the business into a single fixed stack.

Payments

Control the payment lifecycle from business rules to financial truth.

Secure with Vault · Connect across your ecosystem

Payment Flow

Turn business rules into the right payment experience.

Payment Orchestration

Route every payment through the best eligible path.

Payment Execution

Run the complete payment lifecycle across payment methods.

Financial Operations

Know exactly what happened financially after every payment.

Payment Vault

Secure and control payment credentials independently of providers.

Payment Connectivity

Connect your payment ecosystem and business systems.

Revenue

Turn revenue decisions into measurable actions and outcomes.

Automate decisions · Connect actions to outcomes

Revenue Execution

Turn revenue decisions into actions that improve cash and growth.

Recurring Collections

Turn recurring receivables into predictable cash.

Subscription Revenue

Run the complete subscription revenue lifecycle from plan to billing.

Revenue RecognitionSoon

Turn earned revenue into accurate, auditable financial recognition.

Commerce

Optimize commerce experiences, channels and transaction economics.

Unify every channel · Optimize every transaction

Terminal Experience

Optimize every in-store transaction for cost, performance and acceptance.

Checkout Experience

Turn checkout decisions into higher payment conversion.

Dealer Experience

Turn dealer payment journeys into faster, smarter collections.

Transaction Economics

Understand and optimize the true economics of every transaction.

Explore the complete product portfolio

A common product language

Make the system understandable before making it sophisticated.

Zopio products are designed around explicit flows: understand context, make a controlled decision, execute safely, and connect the outcome back to financial and operational truth.

Payments

01Shape
02Decide
03Execute
04Verify

Enterprise-ready by design

Financial infrastructure should make complexity controllable.

Zopio is built for environments where multiple providers, business rules, systems and financial outcomes 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 ecosystemIntegrate payment providers with ERP, CRM and commerce systems through shared connectivity.

Operational controlTreat resilience, auditability, security and visibility as infrastructure concerns.

Commercial alignment

Infrastructure should create value before it creates fixed cost.

No setup fee · No platform fee · No development fee · No minimum commitment

Zopio aligns its commercial model with successful collection outcomes.

Modular by design

Start with what you need. Expand when you need more.

Talk to us about the payment, revenue or commerce problem you want to improve first.

Talk to an expert