For ISOs: every transaction across your whole merchant estate, live, in one view
Zeal gives ISOs live transaction reporting for every merchant and every terminal they have placed, across acquirers, with churn-risk flags built in. Then it gives those merchants something the next rep at the door cannot quote: loyalty and customer data on the card machine they already have. You differentiate, you retain, and your residuals stop leaking.
The World's #1 VAS Solution on Payment Terminals
Without Zeal
Your card machines can only process payments.
They are blind: unable to recognise who is paying or understand customer behaviour. They simply capture payment value, with no additional insight for your merchants.
With Zeal
Your card machines become smart: able to identify customers, offer loyalty programmes, and provide actionable insights.
They evolve into a powerful data engine and customer engagement tool for merchants, delivering advanced data visibility and loyalty with every transaction.
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Reduce merchant churn
Use Zeal to support your merchants, increase their satisfaction, and make your services indispensable.
Add new revenue streams
Move beyond competing on price. Equip your merchants with Zeal’s value-added services and create new revenue opportunities for your business.
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Boost annual turnover & merchant stickiness
By offering loyalty programmes on your card machines, you’ll help your merchants boost customer retention and annual turnover, increasing their stickiness to your services.
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Turn your card machines into powerful data sources
Traditionally, merchants needed apps or websites to track customer behaviour. Now, your card machines can do it, helping merchants identify and segment customers with ease.
Turn your card machines into loyalty engines
Previously, customers had to navigate through multiple steps to earn rewards or loyalty points. Now, there’s no need for loyalty cards, apps or QR codes; your card machines can automatically engage and reward customers.
Form strategic partnerships with card-linked loyalty
With Zeal, you can offer corporates a powerful edge. Whether it’s their employees, airline passengers, or telecom customers making purchases on your card machines, Zeal instantly identifies them and delivers tailored rewards that enrich corporate benefits and exclusive loyalty programmes.
One platform, three provider economics
Zeal is one value-added services layer that runs on the payment terminals a provider already owns. The economics differ by seat: acquirers use it to cut merchant churn and add a subscription revenue line, ISOs use it to watch and defend the residual portfolio, and payfacs use it to make sub-merchant onboarding an easier sell. The sections below show what each buyer actually sees.
For acquirers, the problem is churn and share of wallet. With 20-30% of merchants switching provider each year, growth gets eaten from the bottom of the book. Zeal gives your merchants services they cannot take to a rival, scores every merchant's churn risk so your team calls before the cancellation, and adds a subscription revenue line on terminals that today earn processing fees alone.
For ISOs, the problem is defending residuals across an estate you cannot fully see. The Zeal ISO portal shows real-time transactions across your whole estate in one view, regardless of which acquirer processes them, with churn-risk scores in the same screen. Your portfolio is your annuity; Zeal is how you watch it and how you make it harder to poach.
For payfacs, the problem is standing out at onboarding. Sub-merchants sign up where the offer is strongest, and a platform whose terminals include loyalty, customer identification and analytics onboards better than one selling payments alone. Zeal ships as part of your proposition from day one, not as an upsell later.
Whichever seat you sit in, the mechanics are the same: Zeal deploys remotely to the Android and Linux terminals already in the field, is live with Elavon, Worldpay, NMI and Lloyds Cardnet, and never touches your certified payment flow. Talk to sales and we will map it to your estate.
What does an acquirer see on the churn dashboard?
An acquirer sees a portfolio view with every merchant placed in one of four daily-refreshed risk levels: Healthy, Watchlist, At Risk and Critical. The levels are built from four signal families: volume trends, transaction recency, payment acceptance health and terminal activity. When a merchant turns Critical, the alert names the driver, so a retention call starts with a reason rather than a guess.
The point is timing. Most providers learn about churn from a cancellation notice or a switch request, when the decision is already made. A daily risk view moves that conversation weeks earlier, while the merchant can still be kept. Zeal already runs across roughly 5,000 merchants, live with Elavon, Worldpay, NMI and Lloyds Cardnet.
How does an ISO watch its whole estate in one view?
The Zeal ISO portal shows live transactions from every terminal in the estate in a single feed, whichever acquirer sits behind each merchant. Each row carries the merchant, the amount and the outcome, so a run of declines at one site stands out within minutes rather than at month end when the residual report lands.
Estate visibility also changes conversations with acquirers. An ISO that can show live activity, terminal uptime and churn risk across its book negotiates from evidence rather than memory. Zeal is live with Elavon, Worldpay, Lloyds Cardnet and the NMI gateway, so one portal covers a mixed estate.
What do payfacs get for sub-merchant onboarding?
A payfac gets a proposition that includes loyalty, customer identification, branded terminal screens and a merchant dashboard from the first transaction, provisioned remotely to terminals already in the field. A sub-merchant comparing platforms sees working tools on day one, not a payments account with promises attached.
Because Zeal runs as software on existing terminals, fleet status sits on one screen: which sub-merchants are live, which are still provisioning, and how many terminals each one runs. The payment itself is untouched: Zeal identifies the customer when the card is presented, before the transaction, and payment processes exactly as today.
What is a value-added services layer for payment terminals?
A value-added services layer is software that runs on a payment provider's existing terminals and adds commerce services around the payment: loyalty, customer identification, branded screens, digital receipts, campaigns, estate visibility, churn prediction and a white-label merchant dashboard. Zeal is that layer. The acquirer, ISO or payfac keeps the processing relationship, the merchant gets the tools, and the terminal does more than take payment. It deploys remotely, needs no new hardware and leaves the certified payment flow unchanged.
Where Zeal does not help
Zeal does not process payments and does not replace acquiring, settlement or scheme relationships; those stay exactly where they are. It cannot rescue a merchant leaving purely on price: churn prediction buys your team time to act and services add reasons to stay, but the commercial offer is yours to fix. And because Zeal is software for payment terminals, it needs your terminals to run on: providers without an Android or Linux estate in the field have nowhere to deploy it.
Payment provider FAQs
How is Zeal priced for payment providers?
Zeal is sold to the provider, not to merchants, under one of two commercial models. The first is revenue share: Zeal goes to market inside your merchant proposition and the value-added services revenue it creates is shared between us. The second is an annual licence: a fixed yearly fee that activates Zeal across the MIDs you nominate, with predictable costs from day one. Commercials are agreed per partnership, based on estate size and the services switched on; talk to partnerships for a model built on your numbers.
How much integration work does Zeal need from a provider?
Very little, because Zeal does not touch the payment. Zeal identifies the customer when the card is presented, before the transaction; payment processes exactly as today; no recertification, no second authorisation, no added scheme fees. Redemption follows card scheme rules with one settled transaction. The software installs remotely on the Android and Linux terminals already in the field.
Who owns the customer data Zeal collects?
Customer identification is consent-based: shoppers opt in to loyalty and receipts, and profiles are created from that consent. Merchants use the data to serve their own customers, and the provider gets estate-level insight: activity, risk levels and service adoption across the portfolio. Zeal has created 95k+ customer profiles this way, and it does not sell the data on.
How quickly can a provider go live with Zeal?
Because Zeal is software for terminals a provider already operates, going live is a remote rollout rather than a hardware programme. There are no engineer visits, no terminal swaps and no recertification. Pilots typically start with a defined merchant segment, prove the numbers, then scale across the estate; the pace is set by your rollout plan, not by logistics.
Zeal is live with Elavon, Worldpay, NMI and Lloyds Cardnet, and runs across roughly 5,000 merchants. If you operate an estate and want a services layer on it, the next step is a conversation about your terminals, your merchants and your numbers.
Talk to partnerships
Activating Zeal on your card machines is a breeze
Choose your integration path
Connect host-to-host through our APIs or embed the on-terminal SDK. You get a sandbox, an integration guide and a reference implementation from day one.
Share your estate details
Send your merchant data file with TIDs, MIDs and terminal models. We prepare signed builds for each terminal type, with release notes and a rollback plan.
Pilot, then roll out
We prove the experience on a pilot cohort with hands-on support, then deploy remotely across your estate through your TMS. No hardware changes, no engineer visits.
Go live and activate
Your merchants get onboarding flows, training material and ready-made campaign templates for their first 90 days, and you track activation and usage by cohort.
This is how we’re revolutionising payments for our partners
See what Zeal delivers in the field. Our partners earn new revenue from their terminal estates, and their merchants get customer identification, loyalty and insight at the point of payment.
Merchants run Zeal on the card machines they already own.
More repeat visits for restaurants running loyalty on Zeal.
Customer profiles created for merchants using Zeal.
Don’t take our word for it
Manos Perdikaris
Business Unit Manager
Jean-Philippe Niedergang
CCO and CEO of EMEA Region
Boris Ferlet
SVP, Android & Partner Ecosystem
Ahmed Hanafi
Founder & CEO
Mostafa Al Sagheer
CEO
Zeal has flexible pricing to fit your business needs
Every agreement is shaped with your commercial team: revenue share on a joint go-to-market, or an annual licence across your MIDs.
Revenue share or annual licence
One integration, two commercial models. Partner on revenue share, where Zeal goes to market inside your merchant proposition and we share the value-added services revenue it creates. Or license annually, a fixed yearly fee that activates Zeal across the MIDs you nominate, with predictable costs from day one.
Enable your card machines to:
Identify customers and offer exclusive rewards
Offer zero-friction card-linked loyalty
Showcase merchant branding and collect feedback
Provide merchants with powerful analytics
Provide you with powerful customer behaviour insights
Zeal is a globally-recognised award-winning solution
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UK Fintech Awards 2026: Winner, Team of the Year and Winner, Innovator of the Year (Belal Mohamed, CTO) · Juniper Research Future Digital Awards 2023: Platinum, Payment Terminal Innovation · The Card & Payments Awards: 4x Finalist 2024 · UK Chartered Institute of Export: Innovation in Trade 2024 · Ingenico Making Data Pay Awards 2023: 1st Place
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Want to learn more?
Frequently asked questions
Zeal transforms your card machines into intelligent customer engagement tools, enabling real-time customer insights, visibility over in-store customers, and frictionless loyalty programmes for your merchants.
By integrating Zeal, you open new revenue streams through value-added services, differentiate your offering in a competitive market, and significantly boost merchant retention.
Zeal enables your card machines to identify customers through their payment cards, recognising employees, airline passengers, or telecom customers at the point of sale. This allows you to offer tailored rewards linked to existing corporate benefits or loyalty programmes. With Zeal, you can strengthen strategic partnerships and drive higher transaction volumes for your merchants.
Yes. Zeal is fully compliant with PCI DSS, GDPR, and follows industry best practices for data protection and security. Our technology is designed with privacy and compliance at its core.
Zeal is also recognised by industry leaders such as Visa and Ingenico, and has trusted partners worldwide, reinforcing our commitment to innovation, reliability, and global scalability.
Choose your integration path (host-to-host API or on-terminal SDK), share your merchant data file with TIDs, MIDs and terminal models, and we handle the rest: signed builds, a supported pilot, then remote deployment across your estate through your TMS.
Zeal is card machine-agnostic and works with all devices, both Android models and older Linux-based ones. We support all manufacturers including Ingenico, PAX, Castles, Verifone, Aisino and others, allowing you to activate Zeal across all your existing hardware with ease.
Yes. Zeal is built for global scalability and there are active card machines with Zeal in multiple markets globally. With multilingual support, regional compliance, and flexible integration options, Zeal can be activated anywhere, enabling consistent value-added services for your merchants worldwide.