INTRODUCING THE ZELO DIGITAL WALLET
A wallet like no other
Multiple forms of payments and financing options in one digital wallet. Putting you in control of your cashflow and margins like never before.

Release your tied up working capital

zelo cards maximizer program.
01
Maximize your card benefits.
Our merchant payment facilitation capabilities means your company purchases can be paid using your credit cards. Even if your sellers don’t currently provide you with credit card payment options*.
*part of the zelo network
Easy seller
acceptance.
02
Sellers of all size can get paid even without their own merchant facility but continue to receive payment via electronic fund transfer directly from zelo without changing processes.
Interest free periods and points program.
03
Hold on to your cash longer and take advantage of your credit card interest free period and points program.
04
Multi-card enabled, major cards welcome.
Load as many of your cards as you like and manage it with the zelo orchestration engine, allowing you to order and maximise your limits automatically. Set it up once and enjoy the benefits.






zelo auto pay program
01
Set and forget
Configure your wallet using the zelo orchestration engine and it will automate the rest, along with enriched data for simple reconciliation.
Hit your financial objectives, one invoice at a time.
Grow without additional headcount
02
Scale up during growth seasons or scale down during off-peak periods. Our flexibility means more cost agility for your business.
One less thing for you to worry about.
Transform AP into a profit centre
03
The complete suite of zelo solutions will completely
transform your AP function into a profit centre, making it a formidable and vital part of your business.
Time to start now.
04
Foreign exchange payments
(coming soon)
Coming soon
zelo early funded payment ("EFP") program (coming soon)
01
Benefit from your strong balance sheet
No financials or paperwork
02
Your exclusive access to the zelo pay network means all the hard work is done for you. It is built into your wallet, ready for you to access*. No manual handling required.
*subject to availability
Long tail suppliers welcome
03
Our aggregated portfolio approach means even the smallest of suppliers and invoices can participate without any process burden.
Maximium reach, minimal effort.
04
Financial metrics friendly
Off balance financing, helping buyers maintain DPO, reduce DSO for sellers and even reduce leverage ratio whilst injecting cash into the supply chain^.
^subject to your accountant's opinion
Receive supplier discounts with zelo matchmaker and use our zelo early funded payment option to pay. A unique way to leverage return on your balance sheet without using your own cash.