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Zennopay sits between a partner fintech’s USD wallet and Southeast Asian QR rails. The partner pre-funds a USD balance; each payment draws it down, and a licensed local payout partner delivers local currency to the merchant. The partner app never leaves the foreground — the whole pay experience is the native PaymentSheet. Three things to hold onto:
  1. One credential. Your backend signs API calls with a long-lived HMAC secret; Zennopay mints the short-lived, single-intent session token your app holds. No key pair to generate or register. See Authentication.
  2. USD-only custody. Partner funds sit in a For-Benefit-Of account at Zennopay’s US banking partner; all FX happens downstream in the payout partner network. See Funds flow.
  3. Corridors are locked at intent creation. Thailand PromptPay (th_promptpay) and Vietnam VietQR (vn_vietqr) are live, each with per-user limits Zennopay enforces for you. See Corridors.

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Go deeper

Make a payment

The PaymentSheet: one call in, one PaymentResult out.

Build your session endpoint

The one backend route every payment starts with.

Funds flow

Pre-fund → FBO → drawdown → local-rail payout.

Settlement & reconciliation

Daily cycle, reports, and the audit trail.