Empowering Global Payments
Zota bridges Europe and the world with advanced solutions for payment processing, acquiring, international remittance, and borderless payment accounts
Empowering Global Payments
Zota bridges Europe and the world with advanced solutions for payment processing, acquiring, international remittance, and borderless payment accounts
Solutions
Whether you are a European merchant expanding internationally or a global business entering Europe, Zota provides the secure infrastructure, regulatory expertise, intelligent technology, and global payment rails to power your expansion at global speed
For European Merchants Expanding to new Markets
Accept payments from customers across Europe and globally
Local acquiring in Europe with advanced risk and routing logic
Reach new markets via card and alternative payment method (APM) coverage in emerging markets
For Global Merchants Entering Europe
Localized card and bank payment acceptance
European settlements with full reporting
Compliant onboarding and regional partner settlements
For Entrepreneurs & Institutions
Payment accounts for operational treasury, supplier payouts, and B2B transactions
Multi-currency IBANs and treasury management tools
Oriented towards commercial transactional efficiency
For Marketplaces & Enterprise
API-first expert solutions
End to end custom solutions
One Platform, Endless
Possibilities for Merchants
In today’s rapidly growing global e-commerce landscape, local payment access is critical to building trust and unlocking new markets. Zota is here to simplify that journey — offering seamless and effortless integration with the most trusted payment methods in every region. Our solution empowers merchants to optimize their payment flows across markets, combining modern UX with a secure, compliant infrastructure.
Card Acquiring
Accept card payment options from your clients’ locally preferred schemes in Europe and Emerging markets.
Domestic Payment Schemes
Gain access to region-specific payment options, localized preferred payment rails, and payment methods familiar to your users.
Alternative Payment Methods
Cater to diverse preferences and improve customer experience by gaining access to non-card payments such as QR payments, mobile payments, mobile wallets, digital wallets, vouchers, BNPLs, and other popular customer driven essential methods
Global Remittance
Manage international payouts, global settlements, supplier/vendor/creators disbursements, cross-border expenses and essential money movements required to run your merchant operations with compliance, speed, and control
Merchant Dashboard
Access real-time transparent data, manage performance, payment traffic, chargebacks, fraud, reconciliations, and custom reporting for regulatory, compliance, audits, and business decisions
Security
Enjoy enterprise grade protections, PCI DSS certified infrastructure, End-to end encryption for data protection, role based access controls, MFAs, fraud detections, anomaly scoring, Uptime SLAs, and highest resilience standards.
A smarter way to manage a
borderless modern business
Designed for businesses requiring trusted financial connectivity within the EU and beyond, our accounts offer seamless control, efficiency, and regulatory peace of mind.
Zota offers intelligent, multi-currency payment accounts tailored for European merchants, global businesses, and professional entrepreneurs. With named IBANs, seamless SEPA and SWIFT access, and compliance built-in, our accounts give you the control, flexibility, and speed needed to operate and scale across markets
Named IBANs
Open dedicated accounts in your business or personal name with full SEPA and SWIFT compatibility after completing eligibility compliance questionnaires
Multi-Currency Support
Receive and Send payments in European and Major world currencies to support your international operations and settlements
Real-Time Dashboard
On-board online, upload your compliance data, manage accounts, manage payments, monitor balances, generate statements and access your data in a user friendly interface
Connected Accounts for Business Ecosystems
Access real-time data, manage chargebacks, monitor performance. With Zota’s networked payment account infrastructure, enterprise clients can invite their vendors, own customers, suppliers, or service providers onto the Zota platform — giving everyone a named IBAN, and the ability to send and receive funds instantly within the ecosystem in a closed loop, compliant environment.
Treasury & Liquidity Management
Zota’s payment accounts are more than just a place to receive funds — they’re a dynamic tool for managing your liquidity across currencies, jurisdictions, and entities. Designed for CFOs, finance teams, and treasury operators of enterprises and institutions – our infrastructure gives you real-time visibility, control, and automation to optimize working capital, and move money with precision
Why Partner with Us
Authorized as a Payment Institution in one of the most renowned and Institutional Financial Centers of the World, Luxembourg
Our technology and Zota brand philosophy is proven and battle tested for over a decade globally including the ever competitive emerging markets
We believe that every client, staff member, vendor, and stakeholder brings a unique perspective, experience, and ideas which help us foster innovation and creativity
Regulated under the strictest European Standards to ensure we instill trust and comfort in our stakeholders where our clients occupy the front seat
We innovate, pioneer, and launch brave ideas which are often the ideas and wish lists of our clients, partners, stakeholders,
Security and Compliance are at the forefront of our infrastructure which we foster in every aspect of our business from data security, to transactions to fraud prevention measures
Our Philosophy
Mission
To provide regulated, secure, and transparent payment solutions that empower businesses to grow confidently across borders
Vision
To be the bridge between Europe and the world — powering cross-border commerce through frictionless payments and smart financial infrastructure
Trust
Built on principles of compliance and accountability
Technology
Engineered for scale and speed by actualizing customer demands
Talent
Driven by practical experts in payments and regulation
Transparency
Clear pricing, auditable flows, and full visibility — no hidden fees, no surprises
Let’s build your
payment solution
Whether you are a merchant, enterprise, or entrepreneur looking to scale your payment operations, Zota is here to help. Get in touch and our team will guide you through onboarding, integration, and compliance
FAQs
Who can open a payment account?
We serve entrepreneurs, decision-makers, and corporates who need reliable European accounts for global transactions.
Which countries do you support for acquiring?
Primarily EEA, GCC, and selected emerging markets, subject to compliance review.
Are your services licensed and regulated?
Yes, under the CSSF in Luxembourg. License details available upon request.
How fast is onboarding?
Typically 3–5 business days upon receiving complete KYC/AML documentation.
Do you offer API access?
Yes, eligible clients are provided API keys and access to our developer portal.
Client Use Cases
We serve clients that require seamless, compliant, and scalable payment infrastructure across markets. Example use cases include:
E-commerce Merchants in need of scalable payment services partner in Europe
Emerging market or global merchants entering the European market
European marketplaces expanding to emerging markets and global marketplaces expanding to Europe
Corporate enterprises in need of global payment rails with local payment rails
Corporate structures in need of global payment eco system to expand their offerings to new markets
E-commerce Merchants in need of scalable payment services partner in Europe
Emerging market or global merchants entering the European market
European marketplaces expanding to emerging markets and global marketplaces expanding to Europe
Corporate enterprises in need of global payment rails with local payment rails
Corporate structures in need of global payment eco system to expand their offerings to new markets
Resources
We provide a centralized knowledge base for clients, developers, and partners. Resources include:
