Why We Built ZeroPay

ZeroPay was built to bring the USSD mPayment to the Technology age and we noticed these factors during our research :

1. Limited number of people use e-mail as compared to telephone
2. You don’t need a Credit/ Debit Card to use Zeropay because we have a Voucher system to load your account for any kind of payments
3. Limited number of people have bank accounts due to the latest bank charges
4. Credit/Debit Card Fraud is now increasingly disturbing and before the banks approve you to use their API they Charge heavy setup cost plus commission per transaction.
5. Internet usage on mobile phones is on the increase compare to Desktop or Laptop computer.
6. The power for anybody to accept payment as a merchant or customer is giving to everyone. Everybody is special on ZeroPay.
7. Heavy Charge back and Credit Card Fraud with dispute resolution sometime leads to some fees on arbitration.
8. The nightmare of bank holding your money for 6 month without the possibility of you getting your money back after arbitration All these and more led to changing our core concept from e-mail to telephone payment .

ZeroPay is the next bridge to people who don’t have bank accounts or credit card but still wants to do business online. Research tell us that; USA alone looses about $21 Billion in identity theft , credit card fraud etc as seen here http://www.statisticbrain.com/identity-theft-fraud-statistics/

Imagine if Visa or MasterCard is replaced with ZeroPay by creating a onetime disposable virtual card to pay for goods and services online.
Merchant will feel safe knowing they don’t need charge backs after 3 months from customers claiming their card was stolen.