Cross-border payments infrastructure

Every local rail.
One API.

Zennopay connects banks, wallets, travel apps and FX platforms to the domestic QR networks of Asia. Your payouts arrive on local rails in seconds.

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Backed by Google for Startups
Networks · Partners · Compliance
VietQR PromptPay QR Ph PayNow DuitNow QRIS UPI PayPay UnionPay

Payouts & Settlement

Send one payment. We route the rest.

Paying out to Asia used to mean a bank partner in every country and a settlement calendar per market. Now it's one payout instruction. Zennopay handles routing, FX, settlement orchestration and compliance screening, all the way down to the local QR network.

Transaction routing

Every payout finds the right domestic network, PSP, or acquiring bank. You send in your currency, it lands in theirs.

Settlement orchestration

Predictable settlement cycles, designed jointly with each partner's treasury. You always know when money moves.

Compliance screening

AML and sanctions screening on every transaction, with partner-led local compliance in each market.

ONE PAYOUT, END TO END
Your platform − 1,000.00 USD
Zennopay 1 USD = 25,400 VND
VietQR + 25,400,000 VND
01 · Reach 3 Markets live today
02 · Roadmap 15+ Markets by end of 2026
03 · Integration 1 API, every rail
04 · Go-live ≤4 Weeks to production

The Network

Market coverage.

15+ markets

  • Transaction-ready Vietnam, Thailand & Philippines

  • Q3 2026 Malaysia, Singapore, Cambodia, Laos, Mongolia, Sri Lanka

  • Q4 2026 India, Indonesia, Japan, South Korea, China, Hong Kong

Built for expansion

New markets activate on your existing integration. No additional build.

Instant settlement

Settled before the receipt prints.

Every payout is confirmed on the Zennopay ledger the moment it happens, then lands on the local network in seconds. Funds move only on your instruction, and you always know exactly where the money is.

Payout delivered CONFIRMED IN 0.42s
FROM · PARTNER $ 1,000.00 Global wallet, USD
TO · VIETQR ₫ 25,400,000 Ho Chi Minh City, Vietnam
REF ZP-8F2A-C94B FX 1 USD = 25,400 VND STATUS FINAL

Developers first

Integrate once. Reach every rail.

National QR networks, domestic PSPs and acquiring banks sit behind one predictable API. Clear docs, a sandbox you can try today, joint certification, then a controlled go-live. Typical integration takes 2 to 4 weeks.

View the docs
create-payout.http 
# Send a payout that lands on a local QR rail
POST /v1/payouts

{
  "amount": 1000.00,
  "currency": "USD",
  "rail": "vietqr",
  "receive_currency": "VND"
}

# → 201 Created · delivered on local rails

Who it's for

Built for banks, wallets, travel apps and FX platforms.

You own the customer experience. Revenue is shared on every transaction that flows through the network.

Travel apps

Let travelers pay local merchants through the domestic QR networks those merchants already accept. No cards, no cash.

Banks and neobanks

Give your customers payouts that land on Asian QR rails, directly from the products they already use.

FX companies

Replace correspondent chains with direct routing into domestic networks and transparent pricing.

Wallets and PSPs

Let users send money to Vietnam, Thailand and the Philippines as easily as a domestic transfer.

Send your next payout on Zennopay.

Tell us where your money needs to go, and we'll show you how it gets there in seconds.

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