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🏪
Step 1 of 5 — Business Information
Tell us about your store

Already registered? Sign in

🪪
Step 2 of 5 — Identity & Documents
Required for KYC verification and FinCEN compliance
JPG, PNG or PDF · Max 5MB · Required
City or county business license · Required
Utility bill or bank statement · Less than 90 days old
💵
Step 3 of 5 — Float Account Setup
Fund your agent float account to start processing
Minimum Float Requirements
Starter
Up to 5 transactions/day
$500
Standard
Up to 20 transactions/day
$2,000
Premium
Unlimited transactions/day
$5,000
✅ Float funds are held in trust and fully refundable upon termination. Float will be debited only when processing customer transactions.
💰
Step 4 of 5 — Commission Schedule
Review your earnings structure before signing
How commissions work: You earn a % of ZapPay's service fee per transaction — not a cut of the customer's principal. Example: customer sends $300, ZapPay fee = $9, your commission = 20% × $9 = $1.80.
ServiceYour RateExample Earn
Intl Transfer — Bank/Mobile20% of fee$1.80 on $300 tx
Intl Transfer — Cash Pickup25% of fee$2.25 on $300 tx
US Domestic Bill Pay15% of fee$1.35 on $50 tx
International Bill Pay20% of fee$1.80 on $100 tx
Airtime Top-Up25% of fee$0.50 on $20 tx
Volume Bonus — 50+ tx/mo+$50 flatMonthly bonus
Volume Bonus — 150+ tx/mo+$100 flatMonthly bonus
Volume Bonus — 300+ tx/mo+$200 flatMonthly bonus
Payment Schedule: Commissions tracked in real time in your portal · Paid weekly every Friday via ACH · Minimum payout $25 · Volume bonuses credited monthly
📝
Step 5 of 5 — Agreement & Compliance
Read, certify, and submit your application
ZapPay™ Authorized Agent Agreement — Summary

1. Appointment
You are appointed as a non-exclusive ZapPay agent to process money transfers and related services at your approved location. ZapPay remains the licensed money transmitter (FinCEN MSB #31000327144645).

2. AML/BSA Compliance
You must verify customer identity for all transactions, report cash transactions over $10,000 for CTR filing, report suspicious activity immediately, and maintain records for 5+ years.

3. OFAC Screening
You must screen all customers against OFAC sanctions lists before processing. Never process transactions for sanctioned individuals or entities.

4. Float Account
You must maintain minimum float balance per your tier at all times. Float is refundable upon termination less outstanding obligations.

5. Commissions
Commissions are earned per transaction and paid weekly via ACH. ZapPay may adjust commission rates with 30 days' notice.

6. Termination
Either party may terminate with 30 days written notice. ZapPay may terminate immediately for any compliance violation, fraud, or regulatory action.

7. Prohibited Activities
Structuring transactions, processing for OFAC-listed individuals, appointing sub-agents without approval, and accepting cryptocurrency as payment are strictly prohibited.

Full agreement available at zappayglobal.com/agent-agreement
By typing your name above, you are legally signing this agreement electronically.

Already registered? Sign in

💰
Float Account Balance
$0.00
Available for transfers
$0.00
Total Deposited
$0.00
Total Used
0
Transfers Today
$0
Volume Today
$0
Earned Today
$0
Earned This Month
📱 Customer Phone Lookup
Select country code, enter the customer's local phone number to instantly load their saved recipients
🇺🇸 +1
🇺🇸+1 United States
🇳🇬+234 Nigeria
🇬🇭+233 Ghana
🇰🇪+254 Kenya
🇿🇦+27 South Africa
🇨🇲+237 Cameroon
🇱🇷+231 Liberia
🇸🇱+232 Sierra Leone
🇸🇳+221 Senegal
🇨🇮+225 Ivory Coast
🇿🇼+263 Zimbabwe
🇪🇹+251 Ethiopia
🇸🇴+252 Somalia
🇹🇿+255 Tanzania
🇺🇬+256 Uganda
🇷🇼+250 Rwanda
🇮🇳+91 India
🇵🇭+63 Philippines
🇵🇰+92 Pakistan
🇧🇩+880 Bangladesh
🇳🇵+977 Nepal
🇱🇰+94 Sri Lanka
🇻🇳+84 Vietnam
🇲🇲+95 Myanmar
🇨🇳+86 China
🇯🇵+81 Japan
🇪🇬+20 Egypt
🇲🇦+212 Morocco
🇹🇳+216 Tunisia
🇩🇿+213 Algeria
🇱🇧+961 Lebanon
🇮🇶+964 Iraq
🇯🇴+962 Jordan
🇸🇾+963 Syria
🇾🇪+967 Yemen
🇰🇼+965 Kuwait
🇯🇲+1876 Jamaica
🇭🇹+509 Haiti
🇩🇴+1809 Dominican Republic
🇹🇹+1868 Trinidad and Tobago
🇬🇾+592 Guyana
🇧🇧+1246 Barbados
🇧🇿+501 Belize
🇬🇩+1473 Grenada
🇱🇨+1758 Saint Lucia
🇸🇷+597 Suriname
🇲🇽+52 Mexico
🇨🇴+57 Colombia
🇬🇹+502 Guatemala
🇭🇳+504 Honduras
🇳🇮+505 Nicaragua
🇵🇪+51 Peru
🇧🇴+591 Bolivia
🇬🇧+44 United Kingdom
🇦🇺+61 Australia
🇨🇦+1 Canada
🇺🇦+380 Ukraine
🇦🇲+374 Armenia
1
Amount
2
Sender ID
3
Recipient
4
Confirm
Receipt
Step 1 — Transfer Amount
🇺🇸 USD — US Dollar
🇺🇸USD — US Dollar
🇬🇧GBP — British Pound
🇪🇺EUR — Euro
🇨🇦CAD — Canadian Dollar
🇦🇺AUD — Australian Dollar
🇳🇬 NGN — Nigerian Naira
🇳🇬NGN — Nigerian Naira
🇬🇭GHS — Ghanaian Cedi
🇰🇪KES — Kenyan Shilling
🇿🇦ZAR — South African Rand
🇨🇲XAF — Central African CFA Franc
🇸🇳XOF — West African CFA Franc
🇱🇷LRD — Liberian Dollar
🇸🇱SLE — Sierra Leonean Leone
🇪🇹ETB — Ethiopian Birr
🇸🇴SOS — Somali Shilling
🇹🇿TZS — Tanzanian Shilling
🇺🇬UGX — Ugandan Shilling
🇷🇼RWF — Rwandan Franc
🇮🇳INR — Indian Rupee
🇵🇭PHP — Philippine Peso
🇵🇰PKR — Pakistani Rupee
🇧🇩BDT — Bangladeshi Taka
🇳🇵NPR — Nepalese Rupee
🇱🇰LKR — Sri Lankan Rupee
🇻🇳VND — Vietnamese Dong
🇲🇲MMK — Myanmar Kyat
🇨🇳CNY — Chinese Yuan
🇯🇵JPY — Japanese Yen
🇪🇬EGP — Egyptian Pound
🇲🇦MAD — Moroccan Dirham
🇹🇳TND — Tunisian Dinar
🇩🇿DZD — Algerian Dinar
🇱🇧LBP — Lebanese Pound
🇮🇶IQD — Iraqi Dinar
🇯🇴JOD — Jordanian Dinar
🇸🇾SYP — Syrian Pound
🇾🇪YER — Yemeni Rial
🇰🇼KWD — Kuwaiti Dinar
🇯🇲JMD — Jamaican Dollar
🇭🇹HTG — Haitian Gourde
🇩🇴DOP — Dominican Peso
🇹🇹TTD — Trinidad and Tobago Dollar
🇬🇾GYD — Guyanese Dollar
🇧🇧BBD — Barbadian Dollar
🇧🇿BZD — Belize Dollar
🇱🇨XCD — East Caribbean Dollar
🇸🇷SRD — Surinamese Dollar
🇲🇽MXN — Mexican Peso
🇨🇴COP — Colombian Peso
🇬🇹GTQ — Guatemalan Quetzal
🇭🇳HNL — Honduran Lempira
🇳🇮NIO — Nicaraguan Córdoba
🇵🇪PEN — Peruvian Sol
🇧🇴BOB — Bolivian Boliviano
🇬🇧GBP — British Pound
🇪🇺EUR — Euro
🇦🇺AUD — Australian Dollar
🇨🇦CAD — Canadian Dollar
🇺🇦UAH — Ukrainian Hryvnia
🇦🇲AMD — Armenian Dram
🇿🇼USD — US Dollar (Zimbabwe)
Step 2 — Sender Identification (KYC)
⚠️ You MUST verify the sender's ID before processing. AML requirement.
⚡ Quick Customer Verification
🇺🇸 United States
🇺🇸United States
🇳🇬Nigeria
🇬🇭Ghana
🇰🇪Kenya
🇿🇦South Africa
🇨🇲Cameroon
🇱🇷Liberia
🇸🇱Sierra Leone
🇸🇳Senegal
🇨🇮Ivory Coast
🇿🇼Zimbabwe
🇪🇹Ethiopia
🇸🇴Somalia
🇹🇿Tanzania
🇺🇬Uganda
🇷🇼Rwanda
🇮🇳India
🇵🇭Philippines
🇵🇰Pakistan
🇧🇩Bangladesh
🇳🇵Nepal
🇱🇰Sri Lanka
🇻🇳Vietnam
🇲🇲Myanmar
🇨🇳China
🇯🇵Japan
🇪🇬Egypt
🇲🇦Morocco
🇹🇳Tunisia
🇩🇿Algeria
🇱🇧Lebanon
🇮🇶Iraq
🇯🇴Jordan
🇸🇾Syria
🇾🇪Yemen
🇰🇼Kuwait
🇯🇲Jamaica
🇭🇹Haiti
🇩🇴Dominican Republic
🇹🇹Trinidad and Tobago
🇬🇾Guyana
🇧🇧Barbados
🇧🇿Belize
🇬🇩Grenada
🇱🇨Saint Lucia
🇸🇷Suriname
🇲🇽Mexico
🇨🇴Colombia
🇬🇹Guatemala
🇭🇳Honduras
🇳🇮Nicaragua
🇵🇪Peru
🇧🇴Bolivia
🇬🇧United Kingdom
🇦🇺Australia
🇨🇦Canada
🇺🇦Ukraine
🇦🇲Armenia
Step 3 — Recipient Details
🇳🇬 Nigeria
🇳🇬Nigeria
🇬🇭Ghana
🇰🇪Kenya
🇿🇦South Africa
🇨🇲Cameroon
🇱🇷Liberia
🇸🇱Sierra Leone
🇸🇳Senegal
🇨🇮Ivory Coast
🇿🇼Zimbabwe
🇪🇹Ethiopia
🇸🇴Somalia
🇹🇿Tanzania
🇺🇬Uganda
🇷🇼Rwanda
🇮🇳India
🇵🇭Philippines
🇵🇰Pakistan
🇧🇩Bangladesh
🇳🇵Nepal
🇱🇰Sri Lanka
🇻🇳Vietnam
🇲🇲Myanmar
🇨🇳China
🇯🇵Japan
🇪🇬Egypt
🇲🇦Morocco
🇹🇳Tunisia
🇩🇿Algeria
🇱🇧Lebanon
🇮🇶Iraq
🇯🇴Jordan
🇸🇾Syria
🇾🇪Yemen
🇰🇼Kuwait
🇯🇲Jamaica
🇭🇹Haiti
🇩🇴Dominican Republic
🇹🇹Trinidad and Tobago
🇬🇾Guyana
🇧🇧Barbados
🇧🇿Belize
🇬🇩Grenada
🇱🇨Saint Lucia
🇸🇷Suriname
🇲🇽Mexico
🇨🇴Colombia
🇬🇹Guatemala
🇭🇳Honduras
🇳🇮Nicaragua
🇵🇪Peru
🇧🇴Bolivia
🇬🇧United Kingdom
🇦🇺Australia
🇨🇦Canada
🇺🇦Ukraine
🇦🇲Armenia
📱 Mobile Money Name Verification
ZapPay will verify the recipient name registered with this phone number to prevent fraud.
Step 4 — Confirm & Collect Cash
✍️ Signatures
Customer Signature
Draw signature above
Agent Signature
Agent signs above
Transaction History
RefSenderRecipientAmountReceivesFeeCommissionStatusDateActions
Loading...
💰 Commission Summary
$0
Pending This Month
🏦 Bank Account — Commission Payouts

Link your bank account to receive commission payments after each cash transfer you process.

🏦
Bank Account
•••• linked
✅ Verified — Ready for payouts
🔒 Your banking information is encrypted and securely stored. ZapPay will never share your details.
💡 Commission Structure
Transfer Amount Your Commission
$1 — $500 $2.00
$501 — $1,000 $3.00
$1,001 — $2,000 $4.00
$2,001 — $5,000 $5.00
Commissions are paid instantly after each successful cash transfer to your linked bank account.
Commission History
PeriodTransactionsVolumeCommissionStatus
No commission records yet
💰 Float Account Balance
Available Balance
$0.00
Last updated:
TOTAL DEPOSITED
$0.00
TOTAL USED
$0.00
PENDING
$0.00
⚠️ Minimum float balance required: $500. When balance drops below $500, transfers will be paused until you deposit more funds.
Deposit Funds to Float
📋 Float deposits are credited within 1-2 business days for ACH, or same day for wire. Contact [email protected] for wire instructions.
Float Transaction History
DateTypeAmountBalance AfterStatus
No float transactions yet
📱 Mobile Money Verification

Verify the recipient's mobile money account before processing. Required for all transfers over $500.

🇳🇬 Nigeria +234
🇳🇬Nigeria+234
🇬🇭Ghana+233
🇰🇪Kenya+254
🇿🇦South Africa+27
🇨🇲Cameroon+237
🇱🇷Liberia+231
🇸🇱Sierra Leone+232
🇸🇳Senegal+221
🇨🇮Ivory Coast+225
🇿🇼Zimbabwe+263
🇪🇹Ethiopia+251
🇸🇴Somalia+252
🇹🇿Tanzania+255
🇺🇬Uganda+256
🇷🇼Rwanda+250
🇮🇳India+91
🇵🇭Philippines+63
🇵🇰Pakistan+92
🇧🇩Bangladesh+880
🇳🇵Nepal+977
🇱🇰Sri Lanka+94
🇻🇳Vietnam+84
🇲🇲Myanmar+95
🇨🇳China+86
🇯🇵Japan+81
🇪🇬Egypt+20
🇲🇦Morocco+212
🇹🇳Tunisia+216
🇩🇿Algeria+213
🇱🇧Lebanon+961
🇮🇶Iraq+964
🇯🇴Jordan+962
🇸🇾Syria+963
🇾🇪Yemen+967
🇰🇼Kuwait+965
🇯🇲Jamaica+1
🇭🇹Haiti+509
🇩🇴Dominican Republic+1
🇹🇹Trinidad and Tobago+1
🇬🇾Guyana+592
🇧🇧Barbados+1
🇧🇿Belize+501
🇬🇩Grenada+1
🇱🇨Saint Lucia+1
🇸🇷Suriname+597
🇲🇽Mexico+52
🇨🇴Colombia+57
🇬🇹Guatemala+502
🇭🇳Honduras+504
🇳🇮Nicaragua+505
🇵🇪Peru+51
🇧🇴Bolivia+591
🇬🇧United Kingdom+44
🇦🇺Australia+61
🇨🇦Canada+1
🇺🇦Ukraine+380
🇦🇲Armenia+374
+234
Enter local number without country code
⚠️ Agent Compliance Requirements
  • Always verify recipient for transfers over $500
  • If name match fails, do not process the transfer
  • Ask customer to show ID if verification shows a different name
  • Document all verification attempts in your records
  • Report suspicious activity to [email protected]
Recent Verifications
No verifications performed yet today
📱 Airtime & Mobile Top-Up

Send instant mobile airtime/recharge to recipients in 45+ countries. Commission earned on every top-up.

🇳🇬 Nigeria +234
🇳🇬Nigeria+234
🇬🇭Ghana+233
🇰🇪Kenya+254
🇿🇦South Africa+27
🇨🇲Cameroon+237
🇱🇷Liberia+231
🇸🇱Sierra Leone+232
🇸🇳Senegal+221
🇨🇮Ivory Coast+225
🇿🇼Zimbabwe+263
🇪🇹Ethiopia+251
🇸🇴Somalia+252
🇹🇿Tanzania+255
🇺🇬Uganda+256
🇷🇼Rwanda+250
🇮🇳India+91
🇵🇭Philippines+63
🇵🇰Pakistan+92
🇧🇩Bangladesh+880
🇳🇵Nepal+977
🇱🇰Sri Lanka+94
🇻🇳Vietnam+84
🇲🇲Myanmar+95
🇨🇳China+86
🇯🇵Japan+81
🇪🇬Egypt+20
🇲🇦Morocco+212
🇹🇳Tunisia+216
🇩🇿Algeria+213
🇱🇧Lebanon+961
🇮🇶Iraq+964
🇯🇴Jordan+962
🇸🇾Syria+963
🇾🇪Yemen+967
🇰🇼Kuwait+965
🇯🇲Jamaica+1
🇭🇹Haiti+509
🇩🇴Dominican Republic+1
🇹🇹Trinidad and Tobago+1
🇬🇾Guyana+592
🇧🇧Barbados+1
🇧🇿Belize+501
🇬🇩Grenada+1
🇱🇨Saint Lucia+1
🇸🇷Suriname+597
🇲🇽Mexico+52
🇨🇴Colombia+57
🇬🇹Guatemala+502
🇭🇳Honduras+504
🇳🇮Nicaragua+505
🇵🇪Peru+51
🇧🇴Bolivia+591
🇬🇧United Kingdom+44
🇦🇺Australia+61
🇨🇦Canada+1
🇺🇦Ukraine+380
🇦🇲Armenia+374
+234
Quick:
Recent Airtime Top-Ups
No airtime sent yet today
🌍 International Bill Pay

Pay utilities, school fees, rent and more for customers' families in 22 countries. Commission earned on every payment.

🇳🇬 Nigeria
🇳🇬Nigeria
🇬🇭Ghana
🇰🇪Kenya
🇿🇦South Africa
🇨🇲Cameroon
🇱🇷Liberia
🇸🇱Sierra Leone
🇸🇳Senegal
🇨🇮Ivory Coast
🇿🇼Zimbabwe
🇪🇹Ethiopia
🇸🇴Somalia
🇹🇿Tanzania
🇺🇬Uganda
🇷🇼Rwanda
🇮🇳India
🇵🇭Philippines
🇵🇰Pakistan
🇧🇩Bangladesh
🇳🇵Nepal
🇱🇰Sri Lanka
🇻🇳Vietnam
🇲🇲Myanmar
🇨🇳China
🇯🇵Japan
🇪🇬Egypt
🇲🇦Morocco
🇹🇳Tunisia
🇩🇿Algeria
🇱🇧Lebanon
🇮🇶Iraq
🇯🇴Jordan
🇸🇾Syria
🇾🇪Yemen
🇰🇼Kuwait
🇯🇲Jamaica
🇭🇹Haiti
🇩🇴Dominican Republic
🇹🇹Trinidad and Tobago
🇬🇾Guyana
🇧🇧Barbados
🇧🇿Belize
🇬🇩Grenada
🇱🇨Saint Lucia
🇸🇷Suriname
🇲🇽Mexico
🇨🇴Colombia
🇬🇹Guatemala
🇭🇳Honduras
🇳🇮Nicaragua
🇵🇪Peru
🇧🇴Bolivia
🇬🇧United Kingdom
🇦🇺Australia
🇨🇦Canada
🇺🇦Ukraine
🇦🇲Armenia
Recent International Bill Payments
No international bill payments yet today
📊 Performance Reports
Total Transfers
Total Volume
Commission Earned
Avg. Transfer
Top Corridors
Select a period to load data
Transaction Breakdown
DateRecipientCountryAmountCommissionStatus
Select a period above to load data
🚨 Suspicious Activity Report (SAR) Filing
Legal requirement: File a SAR for any suspicious transaction involving $2,000 or more. It is illegal to inform the customer a SAR is being filed. Retain SAR records for 5 years.
⚠️ Do NOT tell the customer you are filing a SAR — this is a federal crime (31 U.S.C. §5318).
SAR Submission History
No SARs filed yet. All submissions are securely logged here.
👥 Team / Cashier Management

Create individual logins for each cashier. Each operator has separate credentials and their own transaction trail.

Loading team members...
Cashier Activity Log
CashierActionAmountTimeStatus
No activity yet today
🚩 Fraud Alert & Red Flag Guide
If you suspect fraud: DO NOT complete the transfer. Call ZapPay Compliance: +1 (703) 600-1234 or email [email protected]
HIGH RISK
💔 Romance Scam
Customer met someone online and is sending money to someone they've never met in person — often claimed to be military, doctor, or abroad. Requests escalate over time.
  • Never met recipient in person; met online recently
  • Large or repeated amounts; customer is emotional or anxious
  • Dismisses your concerns: "This is different, I trust them"
HIGH RISK
👴 Grandparent / Family Emergency Scam
Elderly customer told grandchild is in jail or hospital and needs bail/fees sent urgently. Often told to keep it secret from family.
  • Elderly customer, sending urgently, seems coached
  • Sending to a "lawyer," "bondsman," or "court official"
  • Told not to tell family members about the transfer
HIGH RISK
🎰 Lottery / Prize Scam
Customer told they won a prize but must pay fees/taxes first. Legitimate lotteries NEVER require upfront payment.
  • Sending to "claim winnings" or "inheritance"
  • Paying "taxes," "customs," or "processing fees"
  • Customer received check to deposit — do NOT deposit
HIGH RISK
🏛️ Government / IRS Impersonation
Fraudster poses as IRS, Social Security, immigration, or police. Threatens arrest unless payment is made immediately. Government agencies NEVER demand wire transfers.
  • Sending to "IRS," "SSA," "immigration," or "police"
  • Customer scared, threatened with arrest or deportation
  • Extreme urgency, told not to hang up the phone
CRITICAL
⛓️ Human Trafficking Indicators
Third party controls victim's ID and cash. Victim appears fearful, coached, or does not speak freely.
  • Someone else counting cash or directing the customer
  • Customer avoids eye contact, seems scripted or frightened
  • Multiple people sending to exact same recipient
  • Hotline: 1-888-373-7888 (National Human Trafficking)
LEGAL RISK
💸 Structuring (Smurfing)
Customer breaks large transactions into smaller ones to avoid the $10,000 CTR threshold. Federal crime under 31 U.S.C. §5324.
  • Multiple same-day transactions just below $10,000
  • Customer asks "what's the reporting limit?"
  • Groups of people sending to same recipient same day
  • File a SAR immediately — refuse to process
🆘 Emergency Contacts
ZapPay Compliance:
+1 (703) 600-1234
FinCEN Hotline:
+1 (800) 767-2825
Human Trafficking:
+1 (888) 373-7888
Email Compliance:
[email protected]