Each payor keeps its own record
Vendor codes, names and addresses stay as the payor uploaded them. Matching links the vendor to the verified payee and leaves the payor's record alone.
Business payments platform
Interested in B2B payments? Skip the buildout and launch your payments network on ZinPay.
Processing payments is difficult on a good day — finally, there is an off-the-shelf payments solution you can white-label into your existing product that helps with the hard parts.
How it works
Run your payments network end-to-end
These steps take you from your current payment processing to a structured, efficient, and compliant process on ZinPay.
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1
Infrastructure Setup
ZinPay sources and configures the best compliance tools and payment delivery methods that fit your vertical.
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2
Integration Build
We connect your existing platform to the ZinPay engine with a tailored, fully documented integration.
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3
Ops Model Alignment
Together we define roles: your team owns onboarding & payee mastering; ZinPay Ops owns ACH and compliance.
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4
Launch Your Network
Enroll your buyers and build out your payee network. Your clients receive a fully branded, modern payment experience — with your branding, not ZinPay’s.
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5
Money Moves
The payment modalities you have set up in ZinPay work for your clients, giving them A/P automation that just works.
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6
Scale & Evolve
As your network grows, ZinPay expands capabilities, adds integrations, and deepens automation.
The apps
All personas accounted for.
Your operations team, buyers, and suppliers each get their own white-labeled application, making your payments network feel your own while it adds value to your end users.
Pay app
Import, approve and pay.
Finance teams load vendors and payables, approve them through configurable workflows and follow each payment to settlement.
- An import wizard that reads any spreadsheet layout, detects the columns and saves the format for next time.
- Approval workflows with templates, triggers and role-based approvers.
- A Needs Attention queue for vendors and payables that need a decision.
- Reconciliation that ties each bank debit to the payables it funded.
Supplier app
See what was paid and where it went.
Suppliers accept an invitation and see their payments from every payor on the network in one place.
- A payment list and payment details across payors.
- Exports for their own accounting.
- Payout accounts added through a secure enrollment flow, so bank details never travel by email.
Ops app
Verify vendors and keep the payee directory clean.
Operations reviews every new and changed vendor, and owns the payee records that payments are sent to.
- A vendor review queue with a recommended action for each vendor.
- Payee records with parent and child entities, aliases, documents and payment destinations.
- Suspending a payee holds its in-flight payments until it is active again.
- An audit log of every change, by person and by record.
Vendor management
An agent does the vendor legwork. Your team makes the call.
Vendor lists are messy. ZinPay compares each uploaded vendor to the payee directory by bank account, name, address, email and phone. The built-in Vendor Review Agent then researches the business, cleans up the record and recommends what to do with it, so your payee directory stays clean without your team doing the digging.
Vendor Review Agent
Research that used to take an afternoon, done in the review.
Send any new or changed vendor to the agent from the review screen. It does the checks a careful analyst would, explains what it found, and records a recommendation beside ZinPay's own.
- Cleans up names and addresses before comparing, so typos and abbreviations don't create duplicate payees.
- Searches the payee directory and checks whether the bank account is already on file under another name.
- Looks the business up on the web to confirm it is real, active and at the address given.
- Flags fraud, sanctions, bankruptcy and closed businesses before anyone is paid.
- Answers follow-up questions and revises its recommendation when your reviewer pushes back.
People make the decision
ZinPay and the agent recommend match, create or send back to the payor. Nothing is linked until a reviewer confirms it.
Changes go back to review
When a verified vendor's bank details or address change, a reviewer sees the change before it takes effect.
Payment routing
Each payment takes the best route the payee accepts.
Set the order of payment methods once. For every payment, ZinPay checks which of the payee's accounts accepts it and picks the first method available.
- Rules for each payee account: accept, decline, or accept under conditions such as an amount limit.
- Overrides for one payor or one vendor, so a payor's money goes to the account that payor supplied.
- If the best route changes after approval, the payment holds. It never switches method without your approval.
AI assistants
AI that works inside your permissions.
ZinPay's assistants use the same actions as the people they work for. An assistant can do only what its user is allowed to do, and only what the assistant was granted.
Assistants for everyday work
Ask about payables, vendors and holds, get a daily summary, or have the Workflow Builder draft an approval workflow.
A second opinion on vendor reviews
The Vendor Review Agent checks a vendor against the directory and public web sources, then records a recommendation. The reviewer decides.
Your own AI client
Connect an MCP-compatible client with an API key, read-only or read-write. Bank details are withheld from external clients.
Controls for each tenant
Choose the model provider, set budgets and allowed topics, and review a trace and cost for every run.
Enrollment
Onboard a payor or a bank account with one link.
Send a secure link. The applicant fills in business and bank details, signs the agreement and submits. Your compliance team clears it, sends it back or rejects it.
- No account needed: the link is short-lived and opens one enrollment only.
- Steps, forms and decisions are templates you edit, with a live diagram of the flow.
- The same flow adds funding accounts for payors and payout accounts for suppliers.
- It runs in your brand, on its own page or inside the app.
Multi-tenant
One platform, many networks, each under its own brand.
Each tenant has its own payors, payees, settings and keys. Its colors and logo carry across every app, the enrollment flow and email.
- Tenants are separated in the data itself. One tenant's payees and bank accounts are never offered to another.
- Settings for each tenant: payment method order, vendor review rules, document categories and AI models.
- Tenant admins see every payor in their network without switching accounts.
Built for money movement
The parts you do not see carry the payment.
Its own ledger
ZinPay keeps its own ledger and tracks the balance of each account.
ACH and check
Two payment methods behind one provider interface, so a bank or check printer can change without changing the product.
No double payments
Submission is idempotent: a retried request does not send the same payable twice.
Permissions on every action
Every change is checked against the user's role, for people and for assistants alike.
A complete audit trail
Each record keeps its history: who changed it, when, and on whose behalf.
API keys and signed webhooks
Integrate with keys scoped to a tenant and receive signed events as each payment changes status.
Get in touch
See how ZinPay fits your payments.
Tell us a little about your business and how you pay vendors today. We will reply by email.