Your terminals can earn more than processing fees

Payment providers monetise card machines beyond transaction fees by adding subscription value-added services. Zeal installs loyalty, customer identification and analytics on your existing terminals; merchants subscribe, and the revenue is shared with you.

PCI DSS & GDPR Compliant
Flatlay desk laptop payment terminal phone app coffee

Award-winning value-added services for payment terminals

Generate more value from your card machines

Processing is a thin-margin race to the bottom; a subscription service merchants value is not. Zeal turns each terminal into a second revenue line that does not depend on interchange, and it is margin-accretive from the first subscribing merchant.

We add value to payment providers around the world

Merchants subscribe to Zeal on the terminals you already operate and the subscription revenue is shared with you. No new hardware and no field visits: your existing estate becomes the distribution.

Globe surrounded by Zeal loyalty coins
integration

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.

Zeal In Action

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.

30,000+

Merchants activated on Zeal across payment providers.

15%

More repeat visits for restaurants running loyalty on Zeal.

95k+

Customer profiles created for merchants using Zeal.

Testimonials

Don’t take our word for it

Manos Perdikaris
"Mellon’s payment solutions are designed to offer acquirers and merchants a competitive edge, and Zeal amplifies that. From personalised loyalty programmes to real-time customer insights, Zeal transforms every payment into an opportunity for engagement and growth."

Manos Perdikaris

Business Unit Manager

Jean-Philippe Niedergang
"Partnering with Zeal reinforces our commitment to delivering next-generation payment solutions. As the leading Android POS provider, we’re driving innovation and transforming in-store experiences through smarter, simpler, and scalable payment technology."

Jean-Philippe Niedergang

CCO and CEO of EMEA Region

Boris Ferlet
"Zeal's loyalty technology, integrated into Ingenico’s Android solutions, enables merchants to identify, engage and reward customers effortlessly. Together, we're not just processing payments; we're shaping the future of customer loyalty in physical retail, setting new benchmarks for personalised engagement."

Boris Ferlet

SVP, Android & Partner Ecosystem

Ahmed Hanafi
"At BRGR, we believe in keeping things simple: great burgers, great service, and a frictionless ordering & loyalty experience with Zeal. Our customers love how easy it is to earn and redeem rewards, and we love seeing them come back for more."

Ahmed Hanafi

Founder & CEO

Mostafa Al Sagheer
"Luxury is about personalisation, and Zeal helps us bring that to life. Now, our clients can enjoy a tailored loyalty experience, ensuring their visits are always rewarded in a way that feels exclusive and effortless."

Mostafa Al Sagheer

CEO

ROI

How much is in it for you?

How many card machines do you have?

5

What’s your approximate annual turnover (£)?

50,000
Your projected annual turnover with Zeal

52,500

based on a 5-12% uplift in retained sales
Pricing

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.

Zeal for payment providers

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.

Features

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

FAQ

Want to learn more?

Frequently asked questions

What value does Zeal bring to my payment services?

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.

How does Zeal enable partnerships with corporates, airlines and telecom providers?

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.

Is Zeal compliant with industry security standards and regulations?

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.

How can I get started with activating Zeal on my card machines?

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.

Which types of card machines does Zeal support?

Zeal runs on supported Android and Linux payment terminals. Compatibility depends on the terminal model, firmware, payment application, payment provider and acquirer route. We confirm the supported setup and any required approvals before scheduling a rollout.

Can Zeal operate in multiple regions or markets?

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.

Expert review

About this page

Omar Ebeid, Co-founder and CEO of Zeal

Reviewed by Omar Ebeid

Co-founder and CEO, Zeal

Omar Ebeid is Co-founder and CEO of Zeal, which he founded with Belal Mohamed in 2019. He holds an MSc in Entrepreneurship from the University of Bath and won the Vice-Chancellor’s Award at the University of Surrey. Under his leadership Zeal won Team of the Year at the UK FinTech Awards 2026 and Platinum at the Juniper Research Future Digital Awards 2023.

  • Written by: the Zeal team
  • Last reviewed:

Sources

  1. Global Payments Inc. Form 10-K for the fiscal year ended December 31, 2025 · Global Payments Inc.
  2. Shift4 Payments, Inc. Form 10-K for the fiscal year ended December 31, 2025 · Shift4 Payments, Inc.
  3. Second Quarter 2026 Financial Results (investor presentation) · Fiserv, Inc., 6 August 2026
  4. As ISVs disrupt payments, can merchant acquirers stay relevant? · McKinsey & Company, 22 September 2022
  5. 2026 winners · UK FinTech Awards, 2026
  6. Juniper Research: Future Digital Award Winners Announced for Fintech & Payments 2023 · Juniper Research via Business Wire, October 2023

Sources checked on 11 October 2026. Details of Zeal’s own products come from Zeal.