The complete financial infrastructure to accept payments.

create_transfer.ts
import { Zapi } from '@zapi/node';

const zapi = new Zapi('sk_live_...');

// Create a transfer to a connected account
const transfer = await zapi.transfers.create({
amount: 5000,
currency: 'etb',
destination: 'acct_1Lj2...',
description: 'Marketplace payout',
});
process_payment.ts
import { Zapi } from '@zapi/node';

const zapi = new Zapi('sk_live_...');

// Process a secure global payment
const payment = await zapi.payments.create({
amount: 12500,
currency: 'etb',
payment_method: 'tele_birr',
confirm: true,
});
verify_webhook.ts
import { Zapi } from '@zapi/node';

const zapi = new Zapi('sk_live_...');

// Verify and handle incoming webhook events
const event = zapi.webhooks.constructEvent(
req.rawBody,
req.headers['zapi-signature'],
'whsec_live_...'
);

A unified API.
For complex operations.

No marketing fluff. Just concrete, functional tools engineered to give your operation absolute clarity and scale.

Centralized Transaction Ledger

A single, real-time interface tracking volume, successful charges, and failure distributions across all payment methods (Telebirr, CBE Birr, cards). Provides clean CSV/JSON exports with consistent timestamps.

Operational Metric

No more hopping between 4 separate portal screens to reconcile yesterday's payouts. One dashboard, one unified financial truth.

POST /webhook/zapi
{
"type": "payment.success",
"data": {
"id": "txn_12345",
"amount": 5000
}
}

Event-Driven Webhooks

The moment a user completes a payment, Zapi fires an idempotent JSON payload to your server in less than 200 milliseconds.

Operational Metric

Includes custom retry policies, event logging, and manual webhook refiring.

Total: 1,000 ETB
Platform
Merchant

Automated Multi-Party Settlement

Programmatically divide a single transaction value between multiple destination accounts at the point of charge.

Operational Metric

Removes the operational overhead of manual monthly payouts entirely at the API level.

Test Mode

Simulate payments

Simulated latency150ms
Mock errorsEnabled

Full-Fidelity Test Mode

A complete replica of the production environment that simulates successful payments, specific error codes, network timeouts, and webhook delays.

Operational Metric

Test your entire integration end-to-end using simulated numbers before ever asking for compliance approval or processing a single real Birr.

Client Request
Idempotency-Key: req_9x8...
Cached
Zapi Server
200 OK

Idempotency-Key Enforcement

Zapi saves the state of every request mapped to a unique client-generated key for 24 hours. If a client retries a timeout request, Zapi returns the exact same cached response without re-executing the transaction.

Operational Metric

Guarantees zero accidental double-charges on weak, fluctuating mobile data connections.

Original Charge1,000 ETB
Refunded-1,000 ETB

API-Driven Adjustments

Trigger partial or full reversals directly through a single POST call or via the dashboard.

Operational Metric

Tracks refund statuses across disparate bank timelines in a single state machine.

From integration drag
to a unified payment layer.

Stop losing engineering hours to fragmented APIs. Zapi standardizes disparate banks, wallets, and rails into a single, predictable contract.

The Integration Nightmare

Every provider becomes another system to maintain.

Each rail ships its own contracts, signatures, retries, and reconciliation model — multiplying the surface area your team has to defend.

Engineering hours are consumed keeping payment infrastructure alive instead of moving product forward.

Inconsistent signature schemes, retries, and timeout semantics across providers.

Fragmented reconciliation, disputes, and refund flows per rail.

Drift-prone webhooks with no unified delivery or replay guarantees.

One API. Total Coverage.

Connect once. Operate every major Ethiopian payment rail.

Zapi standardizes behavior, absorbs provider edge cases, and gives your team one operational model with the controls finance and risk teams expect.

One auditable layer unlocks banks, wallets, and future rails — without multiplying infrastructure overhead.
Single API Contract
Idempotent Webhooks
Unified Reconciliation Ledger
Audit-Ready Event History

Payment infrastructure
at a glance

$18.4B

Total Processed across the platform in 2025

142M

Confirmed payment events handled in 2025

99.982%

Global gateway availability maintained in 2025

+38%

Increase in processed volume versus 2024

Ready To Get Started?

Create a sandbox, ship your first integration faster, and move into production with one platform for payments, payouts, and virtual accounts.