Zota × ERPAX Wiki | Unified Payment & Documentation Platform

Zota: Global Payment Infrastructure

Founded 2015 (Tel Aviv), Zota connects 1000+ financial institutions across 150 countries via PCI Level 1 infrastructure. Specializes in emerging markets, high-risk industries, and localized payment flows.

1000+ Institutions

Direct integrations across payment networks, banks, e-wallets, and APMs. Covers 150 countries with local expertise in Africa, Asia, Eastern Europe, and Latin America.

Fraud Detection AI

Real-time risk modeling, behavioral analytics, and tokenization. Reduces fraud by 95%, investigates suspicious flows, and provides mitigation dashboards for compliance teams.

Branded Checkout

Fully customizable cashier pages with logo placement, color schemes, seasonal templates, and A/B testing. Reduces cart abandonment by 25-35%.

Multi-Currency

Native support for 50+ currencies, real-time FX, local payment methods (USSD, bank transfers, crypto), webhooks for settlement tracking.

150

Countries Covered

1000+

Partner Institutions

95%

Fraud Prevention

25-35%

Abandonment Reduction

ERPAX: Unified Business Management Platform

Rails 8.1-based ERP platform with unified document model, automatic accounting integration, and EU-first compliance. Multi-tenant architecture designed for B2B enterprises, e-commerce, and international traders. Built and battle-tested for European business requirements.

Unified Document Model

Single model handles all business documents: invoices, purchase orders, quotations, credit notes, recurring subscriptions. Automatic transitions (quotation → invoice → payment) eliminate manual processes and complexity.

Automatic Accounting

Double-entry accounting generated automatically from confirmed documents. Chart of accounts, real-time financial reporting, complete audit trail (PaperTrail), zero reconciliation needed. Financial data always current.

Multi-Tenant Architecture

Built-in from ground up, not added later. Host-based data isolation, hierarchical domain structure for subsidiaries, per-tenant customization (locale, timezone, currency, branding). Scale from startup to enterprise.

EU Compliance Native

VAT Directive 2006/112/EC, multi-currency with EU Central Bank integration, tax calculations, invoice compliance workflows, international trade support (Incoterms, HS codes), customs compliance.

Core Capabilities

Sales & purchase document automation
Recurring billing (subscriptions, leases)
Payment tracking & overdue calculations
Inventory & product management with variants
Business relationship management (customers, suppliers, agents)
Shopify integration for e-commerce
Credit line management & payment terms
Real-time financial visibility & reporting

The Synergy: Mutual Benefits

Zota Strengths

1000+ payment institutions globally
150 countries, emerging market expertise
95% fraud detection AI
Branded, customizable checkout
Multi-currency native
Real-time settlement webhooks

ERPAX Strengths

Automatic double-entry accounting
EU-first compliance built-in
Unified document model
Multi-tenant from ground up
Business relationship management
Real-time financial reporting

🔗 Complete Payment-to-Accounting Flow

Zota payments automatically trigger ERPAX workflows for invoicing, accounting, and compliance reporting.

Customer Checkout

Branded Zota cashier captures payment (multi-currency)

Webhook to ERPAX

Real-time settlement triggers invoice creation

Auto Accounting

Double-entry journal entries generated instantly

Payment Record

ERPAX tracks payment status, overdue calculations

Compliance

VAT, FX, tax calculations applied automatically

Reports Ready

Real-time financial dashboards & audit trails

Integration Roadmap

Phase 1: Webhook Integration (Weeks 1-2)

Connect Zota payment webhooks to ERPAX invoice creation. Automatic document number generation, payment method logging, real-time settlement matching. Test with 100+ sandbox transactions.

Phase 2: Accounting Flows (Weeks 3-4)

Enable automatic double-entry accounting for Zota payments. VAT treatment, multi-currency FX calculations, chart of accounts mapping. Real-time financial reporting via ERPAX dashboards.

Phase 3: Compliance & Reporting (Weeks 5-6)

EU compliance workflows: VAT reporting per Directive 2006/112/EC, payment reconciliation, audit trail generation. PaperTrail logging, regulatory export formats, multi-tenant compliance per subsidiary.

Phase 4: Scale & Optimize (Ongoing)

B2B invoice management, recurring billing automation, payment term management, credit line tracking. Enterprise multi-tenant operations with isolated audit trails per organization.

Zota × ERPAX