Connecting people to their money, and their money to the world

Paytec is a global neo-finance clearing house

providing integrated vertical financial infrastructure

to enable deep financial inclusion.

Financial Inclusion

The provision of universal access to a wide range of financial services, and enhancing access to financial services for individuals and micro-, small and medium-sized enterprises, have a significant contribution to social and economic development of communities.

We place a particular focus on the financial needs of migrant workers and women, given their importance in food production and household expenditure decisions.

Integrated Vertical Financial Infrastructure

Traditional finance relies on centralised, trust-based systems, which are designed to exclude those who can’t afford it. Poverty alleviation requires a new inclusive financial model.

By providing a vertically integrated financial infrastructure, that bridges the divide between traditional- and decentralised finance, we can enable millions of people and small businesses to flourish.

Sustainability Built-In

We believe that long term sustainability is based on the quality of the communities we build. We strive to have active and open communication with regulators, central- and commercial banks, encourage vibrant participation in our technology community, and immersing ourselves in the users’ life journeys. Together, we are building a brighter future, for everyone.

The Paytec Group Portfolio

Zeam enables anyone with an identity document and a mobile phone, to open a store of value, regardless of their residency status, credit score, employment status or available funds.

It lets people and small businesses send, spend and save, without any fees.

Find out more here: https://zeam.money

Zeam Mint is the issuer of the ZARZ stable-coin.

ZARZ is a 1:1 fiat-backed South African Rand stable-coin, issued by Zeam Mint (Pty) Ltd, which is regulated by the Financial Sector Conduct Authority of South Africa under juristic representation by Paytec Services (Pty) Ltd (FSP 53737), a South African Reserve Bank accredited Systems Operator (SO 001233).

Zeam Markets is a decentralised exchange of fiat currency and stable-coins, enabling app builders and traders the ability to build low cost currency-interoperable applications at scale.

Zeam Markets are operated by Zeam Markets (Pty) Limited (South Africa) which is regulated by the Financial Sector Conduct Authority of South Africa under juristic representation by Paytec Services (Pty) Ltd (FSP 53737), a South African Reserve Bank accredited Systems Operator (SO 001233).

All trades on the Zeam Markets platform are fully funded transactions, that clears and settles in near real-time.

 

Paytec Treasury (Pty) Ltd is a Global Treasury Outsourced Services provider, under license of the Financial Sector Conduct Authority of South Africa (FSP 53737) which is regulated by the Financial Sector Conduct Authority of South Africa under juristic representation by Paytec Services (Pty) Ltd (FSP 53737), a South African Reserve Bank accredited Systems Operator (SO 001233).

Payment Technologies B.V. is a Software- and Infrastructure as a Service provider of minting-, trading-, treasury-, infrastructure- and application technology.

Paytec Services (Pty) Ltd is a global payment operations- and customer support provider, which is regulated by the Financial Sector Conduct Authority of South Africa (FSP 53737), and a South African Reserve Bank accredited Systems Operator (SO 001233).

The BankTech Platform is an API Gateway that enables deep integration into the traditional banking- and retail infrastructure, transforming Host-to-Host file-based processes into useable APIs.

BankTech is integrated into BankservAfrica for bulk-, real-time and recurring transactions and verification services, and is used by multinational corporates, non-bank financial institutions and retail banks, as enterprise SaaS.

Visit https://bank.tech for more information.

Accreditations & partners

  • South African Reserve Bank

    Registered Systems Operator and Third Party Payment Provider (SO 001233)

  • Namibia

    FNB (EFT, RTGS*)

    Netherlands

    ING Bank (IBAN*)

    Rabobank (IBAN, SWIFT*)

    Malawi

    Standard Bank (EFT, RTGS, SWIFT*)

    South Africa

    Absa Bank (EFT debits, EFT credits, DebiCheck, real-time credits)

    Nedbank (EFT debits, DebiCheck)

    Standard Bank (EFT debits, EFT credits, DebiCheck, real-time credits, PayShap, Account Holder Verification)

    Capitec Bank (EFT Credits, Capitec Pay, PayShap)

    United Kingdom

    RBS*

    Zimbabwe

    CBZ Bank (EFT, RTGS*)

    * In progess

  • South Africa

    Financial Conduct Authority: FSP53737

    • Crypto Asset Service Provider (CASP)

    • Short Term Deposits (In application)

    • Long Term Deposits (In application)

    • Money Market (In application)

    • Authorised FX Dealer with Limited Authority (in application)

    Financial Intelligence Centre: ID65501

  • South Africa

    • Payments Association of South Africa

    • Systems Operator Member (SO 001233)

    • Association of Systems Operators

  • Technology

    • Microsoft Azure

    • Google Cloud

    • AWS

    • Stellar Development Foundation

    Innovation

    • Stellenbosch Innovation District (ZA)

    • Innovatiebox (NL)

Group Companies by brand

  • Paytec Holdings Limited: Reg. No. 15045185, Office 4 3/F, Coachworks Arcade, Northgate Street, Chester, United Kingdom CH1 2EY

    Paytec Technologies B.V.: Reg. No. 90126041, Schubertstraat 43, Amsterdam 1077 GR, The Netherlands

    Paytec Services (Pty) Ltd: Reg. No. 2018/017733/07, First Floor, 98 Dorp street, Stellenbosch, 7600, South Africa

    Paytec Treasury (Pty) Ltd: Reg. No. 2020/893896/07, First Floor, 98 Dorp street, Stellenbosch, 7600, South Africa

    Paytec Capital Limited: Reg. No. 72079, Suites 3A and 3B, Third Floor, Frances House, Sir William Place, St Peter Port, Guernsey GY1 1 GX

  • Zeam Markets (Pty) Ltd: Reg. No.: 2020/483168/07, First Floor, 98 Dorp street, Stellenbosch, 7600, South Africa

    Zeam Mint (Pty Ltd: Reg. No.: 2020/483168/07, First Floor, 98 Dorp street, Stellenbosch, 7600, South Africa

    Zeam Malawi Plc: Pre-incorporation (MLW)

    Zeam Namibia (Pty) Ltd: Reg.No.: 2017/1025

    Zeam Zimbabwe (Pvt) Ltd: Pre-incorporation (ZWE)

Group Companies by location

  • Paytec Holdings Limited: Reg. No. 15045185, Office 4 3/F, Coachworks Arcade, Northgate Street, Chester, United Kingdom CH1 2EY

    Paytec Technologies B.V.: Reg. No. 90126041, Schubertstraat 43, Amsterdam 1077 GR, The Netherlands

    Paytec Capital Limited: Reg. No. 72079, Suites 3A and 3B, Third Floor, Frances House, Sir William Place, St Peter Port, Guernsey GY1 1 GX

  • Paytec Services (Pty) Ltd: Reg. No. 2018/017733/07, First Floor, 98 Dorp street, Stellenbosch, 7600, South Africa

    Paytec Treasury (Pty) Ltd: Reg. No. 2020/893896/07, First Floor, 98 Dorp street, Stellenbosch, 7600, South Africa

    Zeam Markets (Pty) Ltd: Reg. No.: 2020/483168/07, First Floor, 98 Dorp street, Stellenbosch, 7600, South Africa

    Zeam Mint (Pty Ltd: Reg. No.: 2020/483168/07, First Floor, 98 Dorp street, Stellenbosch, 7600, South Africa

    Zeam Malawi PLC: Pre-incorporation (MLW)

    Zeam Namibia (Pty) Ltd: Reg.No.: 2017/1025

    Zeam Zimbabwe (Pvt) Ltd: Pre-incorporation (ZWE)

 Contact us