Zambian fintech entrepreneur Clive Nabale is positioning his company, Zoyk Pay Group, as a unifying force in Africa’s fragmented digital payments landscape, offering businesses a single platform to manage transactions across physical and online channels.
Founded in 2021, Zoyk Pay Group seeks to bridge gaps between in-store payments, web-based transactions and agent networks, as African economies continue to digitise at varying speeds. The platform allows companies to accept payments in brick-and-mortar outlets, on websites and through proximity agents, while consolidating financial flows into a single interface.
Nabale says the goal is to simplify operations for businesses navigating multiple payment systems across different markets. “Companies should not have to juggle separate systems for online sales, in-store transactions and agent-based collections,” he has said in public remarks. “We are building a unified entry point.”
The platform also enables businesses to manage digital wallets for customers and partners, including services such as top-ups, recurring payments and refunds. By integrating these features into one dashboard, Zoyk Pay aims to reduce operational friction and provide clearer visibility over cash flow.
Africa’s digital payments ecosystem has expanded rapidly over the past decade, driven by mobile money services and fintech innovation. Yet the sector remains fragmented, with varying regulations, infrastructure gaps and limited banking access in rural areas.
More Read
Zoyk Pay leverages an agent network to reach underserved communities where traditional banks have limited presence. Businesses using the platform can tap into this network without building their own physical infrastructure, extending their reach into areas often excluded from formal financial services.
Beyond core payment processing, the platform integrates additional financial services such as fund distribution and bill payments, positioning itself as a broader transaction hub for routine financial activity.
Nabale, who leads the company as founder and chief executive, is among a growing cohort of African tech entrepreneurs seeking to scale home-grown fintech solutions across borders.
More Read
In parallel with Zoyk Pay, he serves as chief executive officer of Bettergames Limited Zambia, an online lottery services company he co-founded in 2017. The venture focuses on digital gaming services within Zambia’s regulated market.
He is also managing partner at Morgace Venture Fund and co-founded Payabrod in 2020, a firm dedicated to cross-border payment solutions, reflecting his broader interest in facilitating regional financial flows. Cross-border payments remain a major challenge across Africa, where currency volatility, compliance requirements and limited interoperability often complicate transactions between countries.
Nabale’s entrepreneurial track record dates back more than a decade. In 2008, he founded Jobtoria, an online platform focused on career opportunities in East Africa, tapping into growing internet penetration in the region. He later launched Quick Charge Media in Nairobi in 2012, expanding his footprint in digital services.
Academically, Nabale holds a degree in marketing and international business from Edith Cowan University, earned in 2007. The same year, he obtained a degree in business and economics from York University in Canada.
As competition intensifies among African fintech firms and global payment providers, companies like Zoyk Pay are betting on integrated solutions tailored to local realities. For Nabale, the ambition is to create a system that works seamlessly whether a customer pays at a storefront in Lusaka, through a mobile device or via an agent in a remote community.
With digital adoption accelerating across the continent, the push for unified, scalable payment platforms is likely to remain central to Africa’s financial technology evolution.
