Integrations

Bring your own rails.

Zetu sits behind the payment providers, banks and messaging services you already use. This page describes what connects, at the category level — and deliberately does not print availability badges it cannot keep accurate.

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We would rather tell you what we cannot connect to than discover it during implementation.

Marketing sites list integration logos because they convert. They also age badly: a connector that worked for one customer's bank becomes “we support bank feeds”, which becomes an expectation nobody set deliberately. Since this entire product exists to argue that you should not trust claims you cannot verify, an integrations page full of unverifiable ticks would be a poor way to open the relationship.

Payments

Zetu does not move money. It reads what your providers report and turns it into settled obligations. Bring the providers and merchant relationships you already have.

Mobile money
Talk to us
M-PESA, MTN MoMo, Airtel Money and comparable wallets. Collection, callbacks and transaction records.
Payment gateways
Talk to us
Card and multi-rail aggregators operating in your market.
Cards
Talk to us
Through your gateway or acquirer, rather than directly.
Manual and cash
Talk to us
Recorded in Zetu with attribution. No integration required.

Banking

The second source that makes independent reconciliation possible. Bank connectivity varies enormously by institution and country, so this is a per-bank conversation rather than a switch.

Bank feeds and APIs
Talk to us
Where the institution offers them, and where the account is eligible.
Statement imports
Talk to us
Scheduled or manual, for institutions without an API.
Settlement file reconciliation
Talk to us
Comparing provider settlement against bank credits.

Communications

Which channels are live depends on the provider you connect and, for WhatsApp, on your own business account and template approvals.

WhatsApp
Talk to us
Through a business messaging provider, subject to your own account approval.
SMS
Talk to us
Through a bulk messaging provider in your market.
Email
Talk to us
Through a transactional email provider.

Accounting

Zetu is upstream of accounting: obligations, settlements and allocations are created here and posted onward. The connector architecture is built around that direction of flow.

QuickBooks
Direction
Posting invoices, receipts and journals from reconciled activity.
Xero
Direction
Same pattern: Zetu owns reconciliation, the ledger receives clean entries.
Zoho Books
Direction
Same pattern.
Odoo
Direction
Same pattern.
Export and file-based posting
Talk to us
For any ledger, without a bespoke connector.

What the labels mean

Last verified August 2026

Talk to us: Availability depends on your institution, your market or your own account, so a single answer here would be wrong for somebody.
Direction: The architecture is built for it. Not available, and not a commitment to a date.

Questions

About integrations

Why do so many of these say “Talk to us” rather than yes or no?

Because for those items a single answer would be wrong for somebody. Bank connectivity depends on the institution, the country and the account. WhatsApp depends on your own business account and template approvals. A gateway may be connected for collection but not for refunds. Where availability genuinely is a single fact we say so — “Live” and “Supported” mean what they say and are checked against the product, with the date of that check on this page. Where it is not, we would rather ask about your stack than publish a tick that is wrong for a third of readers.

Do we have to change payment providers to use Zetu?

No. Zetu is deliberately rail-independent: it holds its own financial model rather than inheriting one from a provider, which is what makes changing provider a configuration change rather than a migration. Keep what you have.

Can we get data out?

Yes. Obligations, settlements, allocations and balances are exportable, and posting to an accounting ledger is a supported direction of flow. A receivables system that is hard to leave is a receivables system you should be suspicious of.

What if we need something that is not here?

Tell us what it is and what it needs to do. The honest answer is sometimes that it does not exist yet, and knowing that early is more useful to you than discovering it during implementation.

Have a specific stack in mind? Send it to hello@zetu.app or book a demo and bring it to the call.

Keep reading

Tell us what you are running.

Your payment providers, your bank, your messaging and your ledger. We will tell you what connects today and what does not.

Book a demo Talk to us