FinTelegram has flagged Zinzipay (Zinzipay.com) as a payment facilitator active in high-risk online gambling with extreme opacity and red-flag processing patterns (fake merchant descriptors, MCC miscoding). We are seeking insider information on its ownership, banking, and regulatory posture.
What We Can Verify Today
- Zero transparency, Telegram-only sales. The website gives no information: no company name, address, licenses, policies, or team—only a “connect” CTA to a Telegram bot. This operating model is inconsistent with legitimate PayFac standards.
- Casino focus & notable traffic. Open web metrics list zinzipay.com in the Casinos category with substantial recent traffic, aligning with gambling processing. (Rankings/metrics vary over time.) playatgila.com+1
- Linked operators. Public sources tie Zinzipay-processed deposits to offshore casinos, including Ybets (formerly Inmerion), Snatch, and Anjouan-licensed brands such as Claps and Medinabet. Claps discloses ownership by Redline Solutions Ltd (Anjouan), and Medinabet discloses Medina Entertainment Ltd (Anjouan).
Indicators of Transaction Laundering / MCC Misuse
Multiple player reports show deposits to casinos via Zinzipay posting on card statements as unrelated merchants (e.g., Zhenjidigitalservice, Bunsonsoftwareltd, software/textile firms; some in Nigeria), a classic laundering pattern that conceals gambling MCC 7995. One Casinomeister post states Ybets payments were handled by a “shady provider called ‘Zinzipay’… each payment through a different company.”
Card-network rules require MCC 7995 for betting/gambling; misclassification evades issuer blocks, RG/self-exclusion controls, and geo-restrictions—and breaches network standards (Source: usa.visa.com).
Why this matters: Transaction laundering violates acquirer/PayFac agreements and exposes banks and facilitators to regulatory and card-scheme sanctions. Visa explicitly instructs PayFacs to detect/block it.
Associated Casino Signals (examples)
- Ybets / Inmerion. Historic complaints on slow pays/withdrawal issues; forum reports connect Zinzipay and non-gambling descriptors. PAGCOR licensing assertions have been disputed in community threads.
- Claps. Operated by Redline Solutions Ltd under Anjouan license; reviews note crypto and card on-ramps (e.g., MoonPay; Visa/Mastercard coverage noted by third-party reviews).
- Medinabet. Discloses Anjouan license (ALSI-202412008-FI1) and broad payment options; evidence suggests card processing via third parties.
Traffic Intelligence
Traffic intelligence (Similarweb; see adjacent chart) indicates that Zinzipay’s user base is concentrated in the UK and EU—led by the UK, France, and Germany—jurisdictions where the referenced casinos are not locally authorized.
Evidence further suggests Zinzipay routes card deposits via anonymized, single-purpose domains (e.g., paycard.click or live.virtpay.net). We also discovered PGPayTech from Belize on Zinzipay‘s list of links, which apparently processes deposits from casino players.
The overall pattern of Zinzipay‘s traffic intelligence analysis clearly shows that a structure has been created to conceal payments to illegally operating casinos and website operators, which also and primarily operate in the UK and the EU.
Regulatory Context (high-level)
Legitimate EU PayFacs require authorization/registration (PSD2/EMI/PI), AML/KYC, PCI-DSS, and visible disclosures. Zinzipay presents none on its site and operates via Telegram—an outlier profile for a compliant processor.
Call for Information
FinTelegram requests verifiable details on Zinzipay’s:
1) Corporate identity (legal entity/beneficial owners), 2) executives/key personnel, 3) acquiring bank(s) and BIN sponsorship, 4) regulatory licenses/registrations, 5) PSP/PayFac agreements, 6) card-scheme status, 7) merchant onboarding/KYC procedures, 8) PCI-DSS attestations, 9) list of casino clients, 10) examples of merchant descriptors/MCCs used, and 11) any complaints, chargeback spikes, or regulatory inquiries.
Submit tips via our secure channels; sources are protected per journalistic standards.
This RFI supports an ongoing investigation into high-risk payment facilitators serving offshore gambling.
