Zinzipay: The Shadowy Casino PayFac Under Scrutiny for Transaction Laundering — Request for Information

Overview

Scam-Or Project has identified Zinzipay (zinzipay.com) as a high-risk payment facilitator (PayFac) suspected of involvement in unregulated online gambling and transaction laundering. The company exhibits an extreme lack of transparency, employs fake merchant descriptors, and appears to miscode MCCs, raising serious compliance concerns. The platform is now the subject of an open request for insider information regarding its ownership, banking relationships, and regulatory standing.

What Is Currently Known

Opaque operations, Telegram-based sales only.
Zinzipay’s website provides no verifiable business details—no corporate name, address, licensing data, or compliance policies. The only visible call-to-action directs users to a Telegram bot, a hallmark of anonymity inconsistent with legitimate payment facilitation standards.

Casino-oriented traffic profile.

According to public analytics, zinzipay.com ranks in the “Casinos” web category and has recorded notable recent traffic spikes—consistent with gambling-related payment activity. External references, such as PlayAtGila’s Win/Loss Statement page, further illustrate the connection between gambling platforms and related payment services.

Linked operators and casinos.

Zinzipay’s payment network has been traced to several offshore casinos, including:

• Ybets (formerly Inmerion)

• Snatch

• Claps – operated by Redline Solutions Ltd (Anjouan)

• Medinabet – operated by Medina Entertainment Ltd (Anjouan)

Indicators of Transaction Laundering and MCC Manipulation

Multiple user complaints suggest that casino deposits routed through Zinzipay appear on bank card statements as charges from unrelated companies such as Zhenjidigitalservice or Bunsonsoftwareltd—entities described as software or textile firms, sometimes located in Nigeria.

Public discussions on the Casinomeister Ybets Casino thread, including a specific forum post, corroborate these findings.

One user described Zinzipay as “a shady provider” that processed each payment “through a different company.”

This practice, known as MCC misclassification, hides gambling transactions (MCC 7995) under unrelated codes, enabling Zinzipay to:

• Evade card-issuer restrictions,

• Circumvent responsible gambling/self-exclusion systems, and

• Bypass geographic limitations.

Visa explicitly prohibits this practice and requires all betting transactions to use MCC 7995.
(Source: usa.visa.com)

Such laundering activity breaches acquirer and PayFac agreements, exposing both Zinzipay and its partner banks to regulatory penalties and network sanctions.

Associated Casino Connections

Traffic and Routing Intelligence

Data from Similarweb and other analytics tools show that Zinzipay’s user base is concentrated in:

• United Kingdom

• France

• Germany

These countries do not authorize the linked casinos locally.
Additional evidence shows that Zinzipay routes card transactions through anonymized subdomains and temporary payment URLs, including:

• paycard.click

• live.virtpay.net

Moreover, a Belize-based entity called PGPayTech appears among Zinzipay’s associated domains, allegedly processing casino player deposits.

The traffic pattern suggests a coordinated network designed to conceal illegal gambling payments, particularly targeting users in the UK and EU.

Regulatory Context

In the European Union, compliant PayFacs must meet PSD2, EMI/PI licensing, AML/KYC, and PCI-DSS requirements, alongside clear corporate disclosures.

Zinzipay meets none of these standards—its reliance on Telegram communication and lack of transparency mark it as a non-compliant and potentially illicit processor.

Call for Information

Scam-Or Project invites industry insiders, compliance professionals, and affected merchants to provide verifiable information concerning:

1. Corporate identity and beneficial ownership

2. Key executives and personnel

3. Acquiring banks and BIN sponsors

4. Regulatory licenses or registrations

5. PSP/PayFac agreements

6. Card-network membership or suspension status

7. Merchant onboarding and KYC protocols

8. PCI-DSS compliance certificates

9. List of casino clients

10. Examples of merchant descriptors/MCC codes used

11. Records of complaints, chargeback surges, or regulatory inquiries

Sources are protected under journalistic confidentiality. Verified information can be submitted securely via our website whistleblower section.

Share Information

This Request for Information (RFI) supports an ongoing investigation into high-risk payment facilitators enabling offshore online gambling.

Relevant background reading: Online Gambling Sting Made Use of U.S. Banks’ Phony Payment Processor