Payments
Launch Faster. Approve Instantly. Scale Smoothly.
Zoot helps payment service providers and acquirers onboard merchants faster and deliver instant Buy Now, Pay Later decisions.
Merchant Onboarding in Minutes
Cut the paperwork. Automate verification, scoring, and compliance, and approve in minutes, not days.
One Platform. Built to Scale
Support your global payments ecosystem with a single, low-code platform that grows with you across regions, products, and partners.
Real-Time BNPL Decisions at Checkout
Deliver compliant, personalised credit decisions right at checkout, so you say yes faster and convert more.
Payments Are Moving Fast. You Should Too.
Scaling payment services shouldn’t slow providers down. Complex rules, manual checks, and lengthy onboarding hold you back. Your customers expect Buy Now, Pay Later decisions that are instant, accurate, and fully compliant. Zoot speeds up onboarding and automates real-time decisions with a platform designed for security and effortless scaling, so payment service providers can keep pace and grow with confidence.
Onboard Merchants Without the Wait
Speed through onboarding with pre-integrated data, automated business verification, and flexible KYB workflows. We help payment service providers cut delays, stay compliant, and approve more merchants in minutes, not days.
Merchant Onboarding
Connect to Smarter Data, Instantly
We connect you to 300+ data sources—from company registries to open banking—to power faster, smarter onboarding and lending. Our API gateway makes it easy to orchestrate data flows across credit, fraud, and identity instantaneously.
Data Integration
Say Yes Without the Risk
With our KYC, AML, and business verification embedded directly into your onboarding or BNPL flow, you can prevent bad actors without slowing down good customers.
Fraud Screening
Secure Decisions at Any Scale
Our decision engine automates credit risk and affordability checks by using real-time logic, giving you full visibility and control to scale safely.
Risk Management
Go Live Faster With Full Flexibility
Our low-code tools and reusable logic blocks let you design, test, and deploy onboarding or BNPL journeys. Your teams stay agile, without waiting on IT or vendor queues.
Journey Design
Built-In Reviews, No Backlogs
When you need more than automated decisioning, our case management tools keep things moving. Route flagged cases with full data context so your analysts can review, escalate, and resolve.
Review Management
Payments-Ready Lending Tools. Built to Scale.
Zoot’s agile, configurable platform supports your entire payments journey, from seamless merchant onboarding to instant Buy Now, Pay Later decisions.
Merchant Onboarding
Speed up underwriting with automated risk scoring, digital business verification, and compliant workflows. Get merchants approved and selling faster.
Buy Now, Pay Later
Deliver instant, personalised credit decisions at checkout with built-in affordability and fraud checks, making Buy Now, Pay Later simple and secure.
Tap Into the Data Behind Every Smart Decision
Zoot’s platform integrates with over 300 data sources, providing banks with access to real-time insights for secure credit, fraud, and compliance decisions across all lending products.
From Click to Credit Or Onboarded in Minutes
Let’s help you move faster, scale smarter, and convert more.