Value-added services for ISOs: loyalty on the terminal you already supply
Independent sales organisations sell terminals and acquiring on thin residuals and lose merchants whenever a competitor undercuts by a few basis points. Zeal gives an ISO a reason for the merchant to stay that has nothing to do with price: a customer database and loyalty programme that live on the terminal the ISO supplied, plus a daily churn-risk score for every merchant in the estate. It installs as software on supported Android terminals, with no hardware change and no change to acquiring.
Print your own branded receipt
Type a company name (payment provider or merchant, either works), then keep scrolling. The card machine does the rest: your name on the screen, your receipt out of the printer, and your customer's loyalty balance already on it.
Your brand on the receipt
Works for a payment provider or a merchant. Prefer a click? Use the button.
The World's #1 VAS Solution on Payment Terminals
Why ISOs lose merchants
Merchants leave on price because nothing else ties them to the provider. When the only thing a terminal does is take payments, every terminal is interchangeable and the cheapest offer wins.
Retention built into the terminal
Every customer profile a merchant builds on the terminal makes leaving harder. Loyalty, recognition and insights become part of how the merchant runs the business, and they live on the device you supplied.
How the revenue works for an ISO
Value-added services are billed as a subscription, shared with the ISO. That is recurring revenue on top of residuals, from hardware that is already deployed.
The card machine is the only thing every customer touches
A loyalty scheme lives or dies on how many people join it, and almost every scheme puts its hardest step first: asking a customer to do something extra while other people wait behind them.
Cards get left at home. Apps get installed once and never opened. QR codes need a phone in hand before payment rather than after. Every one of those mechanics loses most of the people it is offered to, which is why app-based loyalty has never been a retention tool for payment providers.
The card machine has none of those problems. It is already in the customer's hands, it already has their attention for a few seconds, and using it requires nothing they have not already decided to do.
So Zeal puts recognition and enrolment there. A returning customer sees their balance or reward while the payment completes. A new one can join in a couple of taps. The merchant sees who is new and who is returning from the first week.
For the provider it means every merchant in the estate gets the same experience, deployed remotely, with no dependence on the merchant's staff to make it work.
Estate-wide visibility for ISOs
Zeal's provider portal shows real-time transactions across the whole merchant estate, across acquirers, with a daily churn-risk score for every merchant so your team calls before the merchant cancels.
The same software runs on one terminal or across tens of thousands. Reporting is consistent because every device is running the same thing.
What merchants get
Customer recognition at the point of payment, a loyalty programme with no app, branded digital receipts and a dashboard showing who is new, who is returning and which offers work. All of it in your brand if you want it that way.
Because a redemption is a real transaction rather than a click, the reporting describes visits and takings, which is the kind of information a merchant acts on and a provider can sell.
How it fits with your payment application
Zeal runs alongside the certified payment application on the terminal. It does not process payments, it requires no recertification, and it does not interfere with the payment flow or add scheme fees.
Support depends on terminal model, firmware and the payment application on the device. We certify per configuration and deploy through your terminal management system or ours.
What are value-added services on a payment terminal?
Value-added services are software features delivered on the payment terminal beyond the payment itself: loyalty, customer identification, digital receipts, offers and analytics. For a payment provider they create recurring subscription revenue and reduce merchant churn; for the merchant they turn the card machine into a retention tool.
What it will not do
It will not fix a merchant who is unhappy with your service or pricing on its own; it makes a satisfied merchant far harder to poach. It only covers card-present customers, and it builds value at the speed of the merchant's trade.
Questions from ISOs
How long does deployment take?
Certification for a new terminal configuration is measured in weeks; deployment to certified devices is remote and measured in days. Merchant onboarding is a short setup rather than a project.
Can it run in our brand?
Yes. Zeal can be white-labelled across the terminal experience, the merchant dashboard and digital receipts, so the merchant sees your brand throughout.
How does an ISO deploy Zeal across an existing estate?
Remotely, to supported Android terminals, subject to model, firmware and acquirer route. There is no site visit and the merchant's acquiring is unchanged. We work with your terminal management set-up to roll out estate-wide or by merchant segment.
What does the commercial model look like?
A subscription per merchant or per terminal, revenue-shared with you, with a free tier available to drive adoption across the estate. We will model it against your merchant count and churn rate.
If you are an ISO looking at value-added services, the fastest way to evaluate Zeal is a short call with your terminal models and merchant count to hand. We will tell you what is supported and what the revenue looks like.
Talk to Zeal about your estate
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
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.