• Clive Nabale founded Zoyk Pay Group in 2021 to unify online and on-the-ground business payments across Africa.

• The platform enables companies to accept in-store, web and agent-based payments while consolidating financial flows into a single interface.

• Nabale also leads Bettergames Limited Zambia and co-founded cross-border payments firm Payabrod.

Clive Nabale, a Zambian fintech entrepreneur, founded and leads Zoyk Pay Group, a technology company that aims to simplify everyday transactions for businesses across the continent, whether online or in physical environments.

Founded in 2021, Zoyk Pay Group offers an integrated platform that allows organizations to accept, manage and scale digital payments across multiple channels, including brick-and-mortar stores, agent networks and fully online services.

Zoyk Pay acts as a single entry point for diverse payment scenarios. The solution enables companies to collect payments in-store, on their websites or through proximity agents while maintaining a consolidated overview of their financial flows. The platform also facilitates the management of digital wallets for customers or partners, including top-ups, recurring payments and refunds.

Companies can leverage Zoyk Pay’s agent network to reach underserved areas where traditional banks maintain limited presence, without deploying their own infrastructure. The platform also integrates additional financial services such as fund distribution, bill payments and other routine transactions.

Alongside this venture, Nabale serves as chief executive officer of Bettergames Limited Zambia, an online lottery services company that he co-founded in 2017. He also acts as managing partner at Morgace Venture Fund and co-founded Payabrod in 2020 to focus on cross-border payment solutions.

Earlier in his career, Nabale founded Jobtoria in 2008, an online platform dedicated to career opportunities in East Africa. He then launched Quick Charge Media in Nairobi in 2012.

Nabale earned a degree in marketing and international business from Edith Cowan University in 2007. He also obtained a degree in business and economics the same year from York University in Canada.

This article was initially published in French by Melchior Koba

Adapted in English by Ange J.A de BERRY QUENUM