← Embedded Finance Index 2026

Zoodpay

“Can ZoodPay become the dominant BNPL and digital payment infrastructure for underserved consumers across MENA and Central Asia?”

Founded2015
HQLausanne, Vaud, Switzerland
Total raised$54.5M
Latest roundSeries C
IndustryFintech / BNPL

The story

Founded in 2015, ZOOD evolved from a digital lending and e-commerce marketplace into a comprehensive fintech platform with ZoodPay as its embedded BNPL payment solution. The company targeted the largely underserved MENA and Central Asia markets where traditional credit infrastructure is limited. ZoodPay offers interest-free installments (ZPI) and Pay After Delivery (PAD) models to e-commerce merchants, positioning itself as the BNPL infrastructure layer for the region. The company is headquartered in Lausanne, Switzerland, but operates primarily in emerging markets.

Last 12 months

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Product timeline

2015

ZOOD founded as a digital lending and shopping platform targeting MENA and Central Asia markets.· lending

2019

ZoodPay launched as the BNPL payment arm offering interest-free installments for e-commerce merchants.· lending

2022

ZOOD raised Series C funding of $54.5M to expand its BNPL and logistics platform across underserved markets.· banking

The stack

2 layers disclosed in Zoodpay’s embedded-finance stack

Payments / PSP

ZoodPay (self-operated)

Lending

in the full report

Accounting gap: significant

2 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Zoodpay — frequently asked

Who is Zoodpay's payment processor?

Zoodpay processes payments through ZoodPay (self-operated).

What is Zoodpay's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Zoodpay's stack: Payments / PSP (ZoodPay (self-operated)); Lending (ZoodPay Installment (ZPI) and Pay After Delivery (PAD)).

Where is Zoodpay headquartered?

Zoodpay is founded in 2015 and headquartered in Lausanne, Vaud, Switzerland.

How much funding has Zoodpay raised?

Zoodpay has raised $54.5M in total (latest round: Series C).

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