ZAPO-PAY

The Technical Process

The Zapo'Pay is built around a compact electronic chip designed to store a predefined balance and a unique identifier.

When a transaction is initiated, the terminal sends the chip the information required to process the payment, including the requested amount. The chip then checks whether enough balance remains to cover the transaction.

If the available balance is sufficient, the corresponding amount is deducted from the remaining credit, and the transaction is confirmed. If the remaining balance is too low, the transaction is declined.

For example, a chip loaded with €100 can be used several times: €25, then €40, then €35. Once the entire balance has been used, the chip has no remaining credit.

The principle is simple: the terminal requests an amount, the chip checks its available balance, the amount is deducted, and the transaction is confirmed.

Each Zapo'Pay chip is therefore designed as a reusable prepaid balance that can be spent across multiple transactions until its allocated amount has been completely used.