Ziia — Payment Infrastructure for the AI Era

Who builds with Ziia

Built for every kind of builder.

From neobanks launching their first card programme to AI agents making autonomous payments — Ziia is the network layer underneath.

🏦

Neobanks & Fintechs

Launch a full card programme without BIN sponsorship complexity or legacy certification timelines.

🤖

AI Agent Developers

Give your AI agents scoped, policy-enforced payment capability. Spending limits, MCC allowlists, instant revocation.

🏗️

Embedded Finance Platforms

Embed payment acceptance into any vertical product. One integration, full network access, white-label ready.

🌍

Cross-border Providers

60 settlement rails, 342 FX pairs, stablecoin on 4 chains. Native multi-currency from day one.

💳

Card Issuers

Issue cards bearing the Ziia mark. Ziia handles routing, fraud, clearing, and settlement. You own the relationship.

🔌

Payment Facilitators

Add network-level processing to your payfac stack. REST API, webhook events, real-time reporting.

Platform capabilities

43 production packages.
Every payment primitive covered.

Built from the ground up — not assembled from third-party services. Every component is purpose-built for payment network infrastructure.

Live

⚡

Payment Authorisation

Full auth response with auth code, RRN, STAN, CVV result, AVS result, ECI, network transaction ID, geolocation fields, and cross-border flags.

POST /v1/authorize

Live

🧠

ML Fraud Scoring

Gradient boosting model with 66 real signals — impossible travel, card testing, BIN attack, 3DS downgrade, device fingerprint, and more.

In auth hot path · <2ms

Live

📱

Device Fingerprinting

30+ browser signals — canvas, WebGL, audio hash, fonts, plugins. Bot scoring, spoof detection, VM detection, fraud ring identification.

JS collector + server engine

Live

🔐

FIDO2 / WebAuthn Passkeys

Native passkey authentication for cardholders. Biometric step-up for high-risk transactions. Full attestation and assertion flows.

FIDO2 Level 1

Live

🌐

FX & Multi-currency

Live exchange rates across 342 currency pairs. Rate stamped at auth time. 0.5% FX spread. DCC support. Full cross-border field set.

342 pairs · T+0 rate lock

Live

🪙

Stablecoin Settlement

Native USDC, USDT, and EURC settlement on Ethereum, Solana, Polygon, and Stellar. T+0 on-chain. $0.01 per batch.

4 chains · 3 stablecoins

Live

🔄

3DS2 Authentication

Full 3DS2 frictionless and challenge flows. ECI codes, CAVV, ACS simulation in sandbox. Risk-based authentication triggers.

EMV 3DS 2.2

Live

📊

Reporting API

Real-time transaction history, fee statements, revenue reports, and house account balance. Per-participant daily breakdowns.

GET /v1/reports/*

Live

🔑

HSM & Key Management

AES-256-GCM and ECDSA. Automatic key rotation. PCI DSS tamper-evident audit trail. mTLS mutual authentication.

FIPS 140-2 aligned

Live

💸

BNPL & Recurring

Native instalment splitting, recurring billing mandates, stop payment, and pre-authorisation flows. ATM cash advance support.

Full lifecycle

Live

📡

Webhooks & Events

HMAC-signed webhook delivery with retry logic. Kafka event publishing for every transaction lifecycle event.

HMAC-SHA256 · Kafka

New

🤖

AI Agent Payments

Trusted Agent Protocol — policy-enforced payment tokens for AI agents. Per-transaction limits, MCC allowlists, instant revocation.

POST /v1/agent/tokens

Trusted Agent Protocol · New

The first payment network built for AI agents.

Give any AI agent — Claude, GPT, Gemini, or your own — a scoped, policy-enforced payment token. The agent can pay within your rules. You stay in control.

Per-transaction limitsMCC allowlistMerchant allowlistDaily spend capSingle-use tokensInstant revocationHuman approval step-upFull audit trail

// Issue a Trusted Agent Token POST /v1/agent/tokens { "pan_token": "tok_user_card", "agent_model": "claude", "agent_id": "claude-opus-4", "ttl_hours": 24, "policy": { "max_amount_per_txn": 50000, "allowed_mccs": ["4511", "7011"], "require_approval": false } } // Agent pays autonomously → "decision": "APPROVE" → "remaining_day_limit": 165000 → "audit_id": "aud_r0NgaG7UpKI"

Developer experience

Zero friction from first call
to production.

Get a test API key in seconds. 15 magic test tokens trigger every scenario. No approval. No forms. Just code.

1

Get a sandbox key instantly

POST to /v1/sandbox/keys with a participant ID. No forms, no approval, no waiting. Your key is ready in milliseconds.

2

Use magic test tokens

15 pre-built tokens trigger specific scenarios — approvals, declines, 3DS challenges, fraud scores, timeouts, partial approvals.

3

Inspect every request

Full request/response log at /v1/sandbox/logs. See exactly what was sent, what was returned, and how long it took.

4

Go live

Apply for production access. Same API, same response shape, real network. No code changes required.

cURL

Go

Node

# 1. Get a sandbox key
curl -X POST https://sandbox.ziia.co/v1/sandbox/keys \
  -d '{"participant_id":"my_bank"}'

# → {"api_key":"pr_test_..."}

# 2. Authorise a payment
curl -X POST https://sandbox.ziia.co/v1/authorize \
  -H "X-API-Key: pr_test_..." \
  -d '{
    "transaction_id": "txn_001",
    "pan_token": "tok_approve",
    "amount": 5000,
    "currency": "USD",
    "merchant_id": "MERCH_001",
    "mcc": "5411",
    "acquirer_id": "acq_001"
  }'

# → {"decision":"APPROVE","response_code":"00",...}

package main

import (
  "bytes"
  "net/http"
)

func authorize() {
  body := []byte(`{
    "transaction_id": "txn_001",
    "pan_token":      "tok_approve",
    "amount":         5000,
    "currency":       "USD",
    "merchant_id":    "MERCH_001",
    "mcc":            "5411",
    "acquirer_id":    "acq_001"
  }`)

  req, _ := http.NewRequest("POST",
    "https://sandbox.ziia.co/v1/authorize",
    bytes.NewReader(body))
  req.Header.Set("X-API-Key", "pr_test_...")
  req.Header.Set("Content-Type", "application/json")

  resp, _ := http.DefaultClient.Do(req)
  // resp.Body → {"decision":"APPROVE",...}
}

const res = await fetch(
  'https://sandbox.ziia.co/v1/authorize',
  {
    method: 'POST',
    headers: {
      'X-API-Key': 'pr_test_...',
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({
      transaction_id: 'txn_001',
      pan_token:      'tok_approve',
      amount:         5000,
      currency:       'USD',
      merchant_id:    'MERCH_001',
      mcc:            '5411',
      acquirer_id:    'acq_001'
    })
  }
)
const { decision } = await res.json()

Test tokens

15 magic tokens. Every scenario covered.

Use these pan_token values in sandbox requests to trigger specific outcomes.

tok_approve

Always approved

APPROVE · 00

tok_decline

Generic decline

DECLINE · 05

tok_insufficient

Insufficient funds

DECLINE · 51

tok_fraud

Fraud score 0.95

DECLINE · 59

tok_3ds_required

3DS challenge

APPROVE · ECI 06

tok_timeout

Issuer timeout

DECLINE · 91 · 3s

tok_stolen

Stolen card

DECLINE · 43

tok_partial

Partial approval

APPROVE · 50%

tok_avs_mismatch

AVS mismatch

APPROVE · AVS N

tok_invalid_cvv

Invalid CVV

DECLINE · 82

tok_velocity_exceeded

Velocity limit

DECLINE · 61

tok_blocked_mcc

Blocked MCC

DECLINE · 57

tok_cross_border_high

Cross-border risk

DECLINE · 93

tok_expired

Expired card

DECLINE · 54

tok_referral

Refer to issuer

REFERRAL · 01

View full test card reference →

Fraud intelligence

66 signals. Wired into
every authorisation.

A gradient boosting fraud model scores every transaction in under 2ms. No separate fraud tool. No additional integration. Built in.

66

real ML signals

<2ms

scoring latency

30+

device signals

Impossible travel

Card testing detection

BIN sequential probe

3DS downgrade

Fraud ring detection

Device farm detection

Canvas fingerprint

WebGL renderer hash

Audio fingerprint

Bot scoring

Headless browser

VM/emulator detection

Velocity 24h/7d

Merchant decline rate

MCC switch risk

Geo spending anomaly

VPN / TOR / proxy

Timezone mismatch

Country mismatch

Round amount score

New card + high amount

Browser entropy

VOIP phone

Refund rate 30d

+ 42 more signals across amount, velocity, geography, device, behaviour, card history, and network dimensions.

Pricing

Simple pricing.
No hidden fees.

The network fee covers routing, authorising, fraud-scoring, and settling. Everything else is transparent and itemised.

Network transaction fee

$0.03 flat

Per authorised transaction ≥ $30. The single fee covering routing, fraud scoring, clearing, and settlement.

Transactions < $30: 0.1% variable

No per-auth fee on declines

No assessment fee on top

No minimum monthly volume

FX spread

0.5%

On cross-border transactions. Rate locked at auth time. 342 currency pairs via live rates.

Live mid-market rate

DCC: 1.5% spread

Rate stamped at auth

Scheme membership

$20K / year

Annual network membership. Volume-tiered. Built for builders, not bureaucracy.

$20K — <1M txns/year

$80K — 1M–10M txns/year

$200K — 10M–100M txns/year

$400K — >100M txns/year

Other fees

Per event

Additional revenue streams, all itemised on your monthly statement.

Chargebacks: $15–$25

Token provisioning: $0.50

Smart retry: $0.01

BNPL merchant fee: 2.5%

Late settlement: $100/day

BIN registration: $4,000

Settlement

60 rails. T+0 on-chain.
T+1 fiat.

Fiat settlement through 60 local and international rails. Stablecoin settlement on 4 blockchains. Every market, every currency.

SWIFT

SEPA

ACH

FedWire

CHAPS

Faster Payments

BACS

TARGET2

EBA STEP2

TIPS

Pix

SPEI

UPI

IMPS

NEFT

PromptPay

PayNow

DuitNow

InstaPay

NPP (Osko)

BECS

CIPS

CNAPS

Zengin

FPS (HK)

BAHTNET

BI-FAST

FedNow

RTP

Interac

Ethereum

Solana

Polygon

Stellar

USDC

USDT

EURC

Onboarding

Live in days.
Not months.

A structured process designed to be completable in days. Sandbox access is instant — no approval required.

1

Sandbox access

POST to /v1/sandbox/keys. Your test key is live immediately.

⚡ Instant

2

Integration

Connect your system to the Ziia API. One endpoint, REST JSON. Test all 15 scenarios.

⏱ Hours to days

3

Application

Submit your organisation details, jurisdiction, and network role.

⏱ 1 day

4

Certification

Complete the certification checklist. mTLS certificates issued. Production keys provisioned.

⏱ 2–3 days

5

Go live

Flip the endpoint from sandbox to production. Same API, same response shape.

✅ Production

→ Start in sandbox now Apply for production access

Payment infrastructurefor the AI era

Built for every kind of builder.

43 production packages.Every payment primitive covered.

Zero friction from first callto production.

15 magic tokens. Every scenario covered.

66 signals. Wired intoevery authorisation.

Simple pricing.No hidden fees.

60 rails. T+0 on-chain.T+1 fiat.

Live in days.Not months.

Payment infrastructure
for the AI era

43 production packages.
Every payment primitive covered.

Zero friction from first call
to production.

66 signals. Wired into
every authorisation.

Simple pricing.
No hidden fees.

60 rails. T+0 on-chain.
T+1 fiat.

Live in days.
Not months.