Zopio
Products

Connected products for payments, revenue and commerce.

Start with the operating problem you need to solve. Each product is modular, while the portfolio shares a common transaction and financial infrastructure model.

Connected operating model3 domains · 13 active products
PaymentsSecure with Vault · Connect across your ecosystem
ShapeDecideExecuteVerify
RevenueAutomate decisions · Connect actions to outcomes
ExecuteRepeatMonetizeRecognize
CommerceUnify every channel · Optimize every transaction
In-StoreOnlineChannelEconomics
Start with one capability. Connect more as the operating model expands.
01
Payments

Control the payment lifecycle from business rules to financial truth.

Secure with Vault · Connect across your ecosystem

  1. 01Shape
  2. 02Decide
  3. 03Execute
  4. 04Verify
Payment Flow

Turn business rules into the right payment experience.

Business Rules · Payment Options · Installments · Split & Partial Payments
Payment Orchestration

Route every payment through the best eligible path.

Smart Routing · Failover · Retry · Cost & Performance Optimization
Payment Execution

Run the complete payment lifecycle across payment methods.

Cards · Bank Transfers · Wallets · BNPL · Authorization · Capture · Refunds
Financial Operations

Know exactly what happened financially after every payment.

Ledger · Settlement · Reconciliation · Fees · Disputes
Payment Vault

Secure and control payment credentials independently of providers.

Tokenization · Secure Fields · Network Tokens · Credential Portability
Payment Connectivity

Connect your payment ecosystem and business systems.

Banks · PSPs · Acquirers · ERP · CRM · Commerce Platforms
02
Revenue

Turn revenue decisions into measurable actions and outcomes.

Automate decisions · Connect actions to outcomes

  1. 01Execute
  2. 02Repeat
  3. 03Monetize
  4. 04Recognize
Revenue Execution

Turn revenue decisions into actions that improve cash and growth.

Receivables · Collections · Cash Actions · Revenue Leakage · Decisioning · Execution
Recurring Collections

Turn recurring receivables into predictable cash.

Schedules · Mandates · Auto-Collection · Smart Retry · Dunning · Recovery
Subscription Revenue

Run the complete subscription revenue lifecycle from plan to billing.

Plans · Pricing · Usage · Proration · Upgrades · Downgrades · Billing
Revenue RecognitionSoon

Turn earned revenue into accurate, auditable financial recognition.

Performance Obligations · Deferred Revenue · Recognition Schedules · Adjustments
03
Commerce

Optimize commerce experiences, channels and transaction economics.

Unify every channel · Optimize every transaction

  1. 01In-Store
  2. 02Online
  3. 03Channel
  4. 04Economics
Terminal Experience

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

Terminal Routing · Acquirer Selection · Installments · Cost Optimization · Performance Monitoring
Checkout Experience

Turn checkout decisions into higher payment conversion.

Checkout Rules · Payment Options · Installments · Customer Segmentation · Conversion Optimization
Dealer Experience

Turn dealer payment journeys into faster, smarter collections.

Account Balances · Payment Rules · Payment Options · Installments · Self-Service Collections
Transaction Economics

Understand and optimize the true economics of every transaction.

Revenue · Costs · Fees · Partner Shares · Net Revenue · Margin
Find your starting point

Different problems. One connected operating model.

You do not need to adopt the full portfolio. Start where the business outcome is weakest, then connect adjacent capabilities when they create additional value.

01Payments

How should the payment move?

Shape the experience, choose the path, execute safely and verify the financial result.

02Revenue

What action should improve cash and growth?

Turn receivables and revenue signals into repeatable actions, monetization and recognition.

03Commerce

Where can the transaction perform better?

Optimize in-store, online and dealer channels together with the economics of each transaction.

Modular by design

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

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