01
APIs
Initiate actions, retrieve operational context and connect customer-facing or internal applications to Zopio through a stable programmatic boundary.
Developer ecosystem
Build on Zopio without rebuilding your systems around it.
Connect internal applications, proprietary workflows and customer-facing experiences to Zopio through APIs, webhooks and event-driven interfaces — while keeping your existing architecture intact.
Your systemsZopio boundary
Customer applicationsInternal systemsProprietary workflows
APIs · Webhooks · Events
PaymentsRevenueCommerce
Ways to connect
Use the interface that fits the system you already have.
Zopio does not require every customer application or internal workflow to adopt the same integration pattern. Connect synchronously where you need control and asynchronously where events should drive the next action.
02
Webhooks & events
Let payment, revenue and commerce events move into the systems that need to react to them without coupling every workflow to provider-specific callbacks.
03
Internal & proprietary systems
Connect finance tools, dealer platforms, legacy applications and custom operational software without forcing them into a predefined product model.
Developer architecture
Integrate once. Keep provider complexity behind the platform boundary.
Your applications connect to Zopio rather than learning the implementation model of every bank, PSP, acquirer or business system behind it.
Applications you ownWeb · Mobile · Internal tools · Partner systems
Developer interfacesAPIs · Webhooks · Events
Zopio operating layerContext · Rules · Decisions · Execution · Financial outcomes
Integration boundaryProvider adapters · regional systems · financial infrastructure
BanksAcquirersPSPsERP & AccountingCRM & CommercePOS & Fiscal systems
Applications stay independent from provider-specific implementation details.
Provider changes remain isolated behind a stable integration boundary.
Internal systems can participate without becoming Zopio products.
Proven integration patterns
Show the transaction model behind the interfaces.
These patterns reflect integration behavior proven in production systems. They describe durable technical concepts without exposing provider-specific implementation details or presenting a conceptual model as a current API contract.
Stable identity
Keep a business-owned reference connected to a durable transaction identity as provider and financial state changes.
Decide before execution
Evaluate eligibility, provider path and expected transaction economics before committing execution.
Commands + events
Initiate operations synchronously and move asynchronous lifecycle changes into downstream systems through events.
Full lifecycle operations
Continue beyond the initial payment through status queries, completion, cancellation, refund and financial follow-up.
Session-based checkout
Separate trusted server-side commercial context from the scoped state required by a browser checkout.
Channel-independent execution
Apply the same operating concepts across web, mobile, marketplace and terminal environments.
Technical guidesExplore the patterns in more depth.
Built for real operating systems
Work with the software your business cannot simply replace.
Enterprise environments are rarely made only of standard SaaS products. Zopio is designed to sit alongside the proprietary and long-lived systems that already carry business logic.
Internal finance applications
Bring payment status, financial events and operational actions into the systems finance teams already use.
Dealer and partner portals
Connect commercial workflows to payment execution and downstream financial operations without rebuilding the portal around a provider.
Marketplace backends
Coordinate payment and revenue actions from the business logic that already owns the marketplace experience.
Checkout and mobile applications
Call Zopio from customer-facing journeys while keeping provider choices behind the infrastructure boundary.
Treasury and reconciliation tooling
Feed internal financial operations with the events and outcomes required to complete the transaction lifecycle.
Custom operations software
Extend proprietary workflows through APIs and events instead of replacing the systems that already run the business.
Developer surface
A stable integration surface for systems you control.
The developer layer is designed around explicit interfaces, observable boundaries and implementation patterns that keep custom software maintainable as the surrounding financial ecosystem changes.
API access
A programmatic surface for applications that need to initiate actions or retrieve operational state.
Authentication boundaries
Keep application access explicit and separate from provider-specific credentials and implementation details.
Webhooks & event delivery
Move operational and financial events into downstream systems that need to react.
Traceable integration paths
Keep the path between an application request, Zopio decision and provider outcome understandable.
Isolated provider adapters
Change or add providers without requiring every consuming application to understand the new integration.
Integration guidance
Use documented patterns and implementation support to connect new systems without turning every integration into a separate project.
Your systems, still yours.
Connect proprietary software without turning integration into a replacement project.
Show us the applications, internal systems and workflows you need to connect. We will map the cleanest boundary between your architecture and Zopio.