We provide free and massively reduced transaction services for all businesses. Sophisticated companies can consume our API service to process a payment while others may use our a mobile app front-end that integrates with our transaction network. People often ask us: “Why are you free?”, “Why do we give massive discounts"?”, “What’s the catch?” etc., but the truth is that we built a new network that isn’t expensive to operate and our mobile roots means that we can do a lot of things to reduce fraud, costs and provide a valuable service to our merchants and users.

Our solution is safe and flexible for all users, partners and merchants.

We are true to our mission and values and want to put them in print for all to see. If you have questions, please reach out to us directly. Frank Houghton

Our Mission

To foster community through payments by providing fair trade for all businesses.


“ZAP helps us stay in touch and connected to our community”
— Mike, Owner of The Olive Crush

our Values

We seek to liberate our stakeholders from the backward ways of the financial world. Our stakeholders are our users, merchants, contributors, partners and those who live in our community.

  • We are transparent

  • We are honest

  • We respect people’s data privacy and our data privacy Bill of Rights

  • We respect the law

  • We respect community

  • We value all people and treat all people equally

  • We respect and celebrate cultural differences

  • We believe in symbiosis

  • We believe in people

Communities are founded by core values of the people who live there.
— Frank Houghton, ZAP Founder