Effortless Universal Payments for Crypto, Utility Bills & Everyday Transactions — Fast, Secure, Reliable.
Zunifi the best payment solution
Zunifi brings together 30+ top service providers and brands to make life easier for users.
One Card for all your payments
Buy anything you want by just using the Zunifi virtual Card.
Register today, enjoy and start making seamless payment transactions. You can also freeze and unfreeze your zunifi virtual card.
Zunifi Duo wallet
Zunifi provides you with not just a banking wallet but also a crypto wallet that supports currency conversion.
Transfer, Receive and Withdrawals are all available on Zunifi.
Zunifi Joint Account
Create a joint account with multiple owners. This is perfect for business partners or families looking to save and manage money together for the future.
Zunifi lets you save and manage funds together with a joint account.
Loyalty & Cashbacks
Get instant cashbacks for every mobile top ups and enjoy free transaction fee.
Fast, easy and dynamic.
Zunifi Bill Scheduler
Get timely reminders for electricity, mobile top-ups, data plans, and more — so you're never caught off guard. Zunifi helps you plan ahead and pay on time.
Zunifi lets you save and manage funds together with a joint account.
USSD & QR Code
Pay easily with various options on Zunifi.
Whether it’s through USSD, QR codes, payment gateways, your Zunifi digital wallet, or your Zunifi virtual cards — enjoy seamless and secure transactions, anywhere, anytime.
Powered by
Zempaa Universal Finance short for Zunifi is a groundbreaking financial technology built to redefine how you manage and experience digital payments — secure, fast, and effortless. It is proudly powered by Zempaa, featuring two intelligent AI systems: ZAI (Zempaa AI) and ZOT (Zempaa Chat Bot).
ZAI enables users to place orders, ask questions, and navigate through pages using natural voice or chat, with advanced speech-to-text and text-to-speech technology. ZOT acts as your helpful AI assistant for general conversations and customer support — making your Zempaa experience smarter, easier, and more engaging.
CUSTOMER REVIEWS
Get to know Our Clients
With Zunifi, I schedule all my utility bill payments in advance. No more late payments — it’s been a lifesaver!
Chinedu Okoro
Retail Store Owner
The currency conversion on Zunifi is accurate and instant. It makes international transactions super convenient.
Amina Yusuf
Online Vendor
My friends and I use Zunifi’s joint account feature to manage our group travel funds. It’s transparent and super easy to track expenses.
Tobi Adebanjo
Freelancer