Build the Future of
Non-Custodial Payments
Give your product a persistent, developer-first payment identity layer. Monetize usage, simplify compliance, and prepare for the AI economy—without holding funds.
Quick Summary for Devs
Integrating zkPay lets your product charge a single stable identity instead of chasing cards and wallets. You get fewer failed payments, simpler compliance, a cleaner API surface, and a ready-made bridge to crypto, agents, and advanced user-controlled payment logic.
Why Integrate zkPay?
1. Reduce failed payments and subscription churn
Cards expire. Banks reissue. People change providers. Normally that means failed renewals and lost customers.
- •Users keep a stable payment identity that survives card and wallet changes
- •They update funding sources in zkPay once
- •Your recurring billing keeps working in the background
2. One integration, many payment rails
Instead of deeply integrating multiple rails yourself, you integrate zkPay once and let users decide how they pay.
- •Cards and bank based methods
- •Crypto and stablecoin wallets
- •Future rails as you or we add them
Your system just charges a zkPay ID. zkPay handles routing to the right source according to user preferences and your requirements.
3. Privacy and security that users actually trust
Users are increasingly wary of spraying card details across dozens of platforms. zkPay abstracts sensitive credentials behind a private identity and strong auth.
- •No need to store raw card numbers or wallet addresses
- •zkPay can use zero knowledge techniques to prove ability to pay without exposing balances
- •Support for stronger factors like TOTP, passkeys, and vault approvals
4. Offload complexity, shrink your compliance footprint
Payments are messy. Routing, retries, credential storage, security upgrades, and evolving regulation all add overhead.
- •zkPay holds the funding source mapping and routing logic
- •You keep your code focused on your core product
- •Less sensitive data stored on your side can mean simpler PCI and security posture
5. Smarter subscriptions and billing out of the box
zkPay’s routing logic lets users and platforms define richer billing behaviour.
- •Fallback rules if a primary source fails
- •Thresholds that require explicit approval
- •Optional per merchant controls from the user side
6. Ready for agents, bots, and the next commerce wave
AI agents, bots, and automated workflows need a safe way to pay without hard-coding raw credentials.
- •Agents can be given scoped access to a zkPay identity
- •Spend caps, whitelists, and time based rules act as guardrails
- •Perfect fit for automated subscriptions, in-app agents, and machine to machine payments
7. Bridge between Web2 and Web3
You do not have to choose between traditional payments and crypto.
- •Users can start with cards or bank methods
- •Power users can add BTC, stablecoins, or vault based sources
- •You keep a single integration point either way