Crypto payment infrastructure for Georgian businesses
A clearer path from crypto checkout to merchant settlement.
ZoPay is building hosted crypto checkout, transaction screening, signed webhooks and reconciliation for supported digital assets. Sandbox demonstrations are available for prospective merchants and partners.
Built for businesses exploring crypto payments
E-commerceTicketingMarketplacesTravelDigital servicesLicensed gaming operators
What your customer sees.
A hosted checkout with the exact amount, a payment address, a QR code and an expiry timer. Built with ZoPay branding and demo data — this is our own interface, running in sandbox mode.
How a payment works.
Every payment follows the same auditable lifecycle from invoice to settlement.
Merchant creates an invoice
In GEL or another supported pricing currency, via the API or dashboard.
Customer chooses asset and network
For example USDT on TRON. The rate is locked for the life of the invoice.
ZoPay displays payment details
Exact amount, unique address, QR code and expiry time.
Blockchain transaction is detected
Listeners watch the network and match the incoming transfer to the invoice.
Confirmation and KYT screening
The transfer is confirmed on-chain and screened against risk and sanctions data.
Exceptions are placed on hold
High-risk, underpaid, overpaid or wrong-network payments are held for review instead of being credited.
Merchant receives a signed webhook
Every status change is delivered as an HMAC-signed event you can verify.
Transaction appears in the ledger
Amounts, fees and balances are recorded in an immutable double-entry ledger.
Settlement is processed
Approved balances are settled according to the merchant agreement, with references for reconciliation.
Supported assets and networks.
Each asset–network pair is treated as a distinct currency with its own confirmation policy.
USDT TRON · BNB Smart Chain · Ethereum Configurable per network
USDC Polygon Configurable per network
BTC Bitcoin Configurable per amountAsset and network availability is confirmed during merchant onboarding and may change before launch.
What ZoPay is building.
A focused set of payment capabilities — each one demonstrable in the sandbox today.
Hosted crypto checkout
A hosted payment page with locked rates, QR codes and live status updates.
Payment links
Create a shareable payment link from the dashboard — no code required.
Payment API
A REST API with idempotency keys, stable error codes and decimal-string amounts.
Signed webhooks
HMAC-signed events for every status change, with retries and delivery logs.
Transaction monitoring
KYT screening of incoming transfers with configurable risk decisions.
Under & overpayment handling
Deterministic rules for partial, excess, late and wrong-network payments.
Merchant ledger & reconciliation
An immutable double-entry ledger reconciled against on-chain state.
Settlement reporting
Settlement batches with references, statements and exportable reports.
Sandbox testing
Simulate the full payment lifecycle — including exceptions — with test data only.
Audit exports
One-click export of a complete payment dossier: timeline, screening, ledger and settlement.
Compliance controls at every payment step.
ZoPay is designed to support wallet screening, transaction monitoring, configurable risk decisions, audit records and payment-exception handling.
Who performs KYT screening?
Incoming transactions are screened by ZoPay's monitoring engine using blockchain-analytics data, applying rules configured for each merchant's risk profile.
What happens to high-risk transactions?
They are placed on hold and are not credited to the merchant. A compliance officer reviews each case and approves, rejects or escalates it according to policy.
Who controls private keys?
Keys are generated and stored encrypted inside an isolated signing service with hot-wallet limits. They are never exposed to the application, merchants or staff.
How are sanctions alerts handled?
A potential sanctions match freezes the payment immediately. Confirmed matches are escalated and reported as required by applicable law.
How long are records retained?
Transaction, screening and audit records are designed to be retained for the periods required by applicable Georgian law.
How does merchant onboarding work?
Merchants pass KYB review — company documents, directors and beneficial owners — and receive a risk rating before live access is granted.
What is available for regulatory export?
A complete dossier per payment: event timeline, blockchain transaction, screening result, ledger entries, settlement references and administrator actions.
Merchant reconciliation and reporting.
Every amount, fee and balance is recorded in a double-entry ledger you can check, export and reconcile.
- Immutable double-entry ledger for every payment, fee and settlement
- Balances continuously reconciled against on-chain state
- CSV statements and structured exports for accounting
- Settlement batches with bank-style references
- Complete audit dossier export per payment
Developer integration example.
Create a payment with one request. Redirect your customer to the hosted checkout and verify signed webhooks on your side.
curl -X POST https://api.zopay.io/v1/payments \
-H "Authorization: Bearer sk_test_xxx" \
-H "X-Idempotency-Key: order-10001" \
-d '{
"order_id": "ORDER-10001",
"price_amount": "100.00",
"price_currency": "GEL",
"pay_currency": "USDT_TRON"
}'Designed for Georgian merchants.
Sector-specific controls are configured during onboarding — no sector is served until onboarding and legal requirements are met.
E-commerce
Checkout for online stores with clear exception handling for under- and overpayments.
Ticketing
Time-boxed invoices with expiry timers suit high-demand, time-sensitive sales.
Marketplaces
Per-order invoices, webhooks and reconciliation designed for multi-vendor platforms.
Travel
Payment links and hosted checkout for bookings, deposits and remote payment collection.
Digital services
API-first payments for SaaS, hosting and digital goods with sandbox-first integration.
Licensed gaming operators
Enhanced merchant due diligence, wallet screening and configurable transaction controls.
Frequently asked questions.
Straight answers about the platform, its status and how payments are handled.
The platform currently targets USDT on TRON, BNB Smart Chain and Ethereum, USDC on Polygon, and native Bitcoin. Availability is confirmed during onboarding and may change before launch.
Company and legal information.
- Registered company name
- Rowix LLC
- Company identification number
- Publication pending
- Registered address
- Tbilisi, Georgia (full address publication pending)
- Country of registration
- Georgia
- Support
- support@zopay.io
- Legal
- legal@zopay.io
Regulatory status
Rowix LLC (operating the ZoPay platform) is a company registered in Georgia. ZoPay is in pre-launch development. Rowix LLC is not currently licensed by, or registered with, the National Bank of Georgia and does not currently provide regulated payment services. Sandbox demonstrations use test data only and do not involve real funds.
This statement is pending review by Georgian legal counsel and may be updated.
See the full payment lifecycle in the sandbox.
Request a sandbox demonstration and walk through checkout, screening, ledger and settlement with test data.