ZakGT supports multiple payment methods to serve users across different regions and preferences. Payments on the platform flow through two layers: the top-up layer (where you convert real money into ZakGT Coins) and the spending layer (where ZakGT Coins are used for subscriptions, tools, marketplace purchases, and bidding).
Understanding this two-layer system makes it easy to see how any transaction works, regardless of what you are buying or which country you are in.
How ZakGT Payments Work โ The Two-Layer System
Layer 1: Top-Up (Real Money โ Coins)
You add real money to your ZakGT wallet using one of the supported payment providers (Stripe, PayPal, or ABA). The money is converted into ZakGT Coins at the fixed exchange rate and credited to your in-platform wallet.
Layer 2: Spending (Coins โ Platform Purchases)
Once coins are in your wallet, you use them for everything on the platform โ tool access, marketplace purchases, subscription upgrades, and bidding. Coins work identically regardless of which payment method you used to acquire them.
Why this design?
The two-layer system means ZakGT can support diverse payment methods for the top-up step without complicating every in-platform transaction. Once you have coins, everything works the same everywhere โ no currency conversion issues, no payment provider friction mid-checkout.
ZakGT Coin Exchange Rate
The ZakGT Coin exchange rate is fixed and the same across all stores, payment methods, and regions:
1 ZakGT Coin
= 1 USD
= 4,000 KHR (Cambodian Riel)
Rate is locked โ same across all payment methods and platform sections.
The rate applies universally. Whether you top up with Stripe, PayPal, or ABA, and whether you spend coins on the marketplace, tools, or subscriptions โ the conversion rate never changes.
| Amount (USD) | ZakGT Coins | KHR Equivalent |
|---|---|---|
| $5 | 5 Coins | 20,000 KHR |
| $10 | 10 Coins | 40,000 KHR |
| $25 | 25 Coins | 100,000 KHR |
| $50 | 50 Coins | 200,000 KHR |
| $100 | 100 Coins | 400,000 KHR |
Supported Payment Methods
ZakGT supports three payment providers for top-ups. Each has different strengths depending on your location and preferred payment method.
Stripe
Credit & debit cards โ global coverage
Stripe is the primary card payment processor on ZakGT. It accepts Visa, Mastercard, American Express, and many local card types depending on your region. Stripe processes payments in real-time with instant coin crediting on successful charge.
PayPal
PayPal balance, linked bank, or card
PayPal is available as a top-up method for users who prefer PayPal's checkout experience or who have an existing PayPal balance they want to use. Both sandbox testing and live transactions are supported. PayPal checkout opens in a secure popup window, so no card details are shared with ZakGT directly.
ABA Pay
Cambodia-local bank payment
ABA Pay is specifically available for users in Cambodia who bank with ABA (Advanced Bank of Asia). This option makes ZakGT payments seamless for Cambodian users who prefer to pay in Riel from their local bank account, without needing an international card or PayPal account.
How to Top Up Your ZakGT Wallet
Topping up adds ZakGT Coins to your in-platform wallet. Here is the step-by-step process:
- 1Open your wallet: From the dashboard, navigate to Wallet or click the coin balance shown in the top navigation.
- 2Click Top Up: Find the "Top Up" or "Add Coins" button. This opens the top-up page.
- 3Choose an amount: Select a preset top-up amount or enter a custom amount. The equivalent ZakGT Coins and KHR value are shown in real-time.
- 4Select payment method: Choose Stripe (card), PayPal, or ABA Pay. The checkout experience differs slightly for each provider.
- 5Complete payment: Follow the steps for your chosen provider. For Stripe, enter your card details. For PayPal, log in to your PayPal account. For ABA, scan the QR code with your ABA app.
- 6Coins are credited instantly: Once payment is confirmed by the provider, your ZakGT Coin balance updates immediately. You will also see the transaction in your wallet history.
What You Can Spend ZakGT Coins On
Once coins are in your wallet, they can be used across every transactional feature on the platform:
VIP Subscriptions
Upgrade to Pro or Enterprise using coins from your wallet. Active coin earners can offset or fully cover their subscription cost over time.
Premium Tool Access
Unlock individual premium tools or tool categories. Some tools require a one-time coin unlock; others are included with Pro subscription.
Marketplace Purchases
All transactions in the ZakGT marketplace use coins. This is the primary spending use-case โ buying items from other users or platform-curated listings.
Shop Creation
Creating a seller shop in the marketplace requires a one-time setup fee of 2 ZakGT Coins. This helps keep the marketplace free of spam and low-effort listings.
Bidding Platform
Place bids on auction listings using your coin balance. If you lose a bid, the coins are automatically refunded to your wallet.
ZakGT AI Services
The ZakGT AI assistant uses a coin-per-call model for advanced interactions. Different AI service tiers cost different amounts โ from basic queries to complex operations.
How to Earn ZakGT Coins Without Paying
Coins do not only come from top-ups. ZakGT rewards active participation with coin earnings, which means dedicated users can build a meaningful balance without spending real money.
Daily Login Bonus
Log in every day to earn coins. Streaks may earn higher amounts โ consistency is rewarded.
Content Creation
Creating posts, streaming, and publishing content that gets engagement earns coins based on activity metrics.
Referrals
When someone you referred creates an account and becomes active, you receive referral coins.
Achievements
Platform milestones (first post, first stream, profile completion) reward coins when you reach them.
Promotions
ZakGT runs occasional promotional events where users can earn bonus coins through specific activities.
Admin Grants
ZakGT administrators can grant coins to specific users for special contributions or competition wins.
Payment Security and Fraud Protection
All payment processing on ZakGT is handled by industry-standard providers. ZakGT itself never stores your card number, bank account details, or PayPal credentials. Here is how each layer of payment security works:
- Card data isolation: When paying by card through Stripe, your card number is sent directly to Stripe's servers using secure tokenization. ZakGT only receives a token representing your card โ not the actual card details.
- PayPal checkout isolation: PayPal transactions open in a PayPal-hosted window. Your PayPal credentials and linked payment methods are never passed to ZakGT.
- HTTPS everywhere: All payment pages and API calls use encrypted HTTPS connections. Data in transit is protected from interception.
- Transaction logging: Every coin transaction is logged with a timestamp and transaction ID. If there is ever a discrepancy, the log provides a full audit trail for support to investigate.
- Dispute resolution: If you believe a charge is unauthorized, contact ZakGT support with the transaction ID and date. The team can review logs and coordinate with the payment provider on your behalf.
Payment FAQ
Can I get a refund on ZakGT Coins?
Coin top-ups are generally non-refundable once coins have been credited to your wallet. If you believe a charge was made in error, contact support with the transaction details within 48 hours.
What currencies does ZakGT accept?
The platform charges in USD. When using Stripe or PayPal with a non-USD card, your card provider handles the currency conversion at their prevailing rate. ABA users pay in KHR at the fixed 4,000 KHR rate.
How do I see my transaction history?
Go to your Wallet page from the dashboard. Your full top-up and spending history is visible there, with dates, amounts, and transaction IDs.
Are there fees on top of the coin price?
The coin price is as shown at checkout. Payment providers (Stripe/PayPal) may apply their own processing fees depending on your card type and location โ these are outside ZakGT's control.
Can I transfer coins to another user?
ZakGT Coins are currently tied to your individual account. Direct coin transfers between users are not supported. In-platform marketplace transactions naturally move value between users through purchases.
What happens to my coins if my account is suspended?
Your coin balance is preserved in all cases except a permanent account ban. If your account is temporarily suspended, your coins remain and are accessible when the account is restored.
Summary
ZakGT payments work through a clean two-layer model: you top up your wallet with real money using Stripe, PayPal, or ABA Pay, and then spend ZakGT Coins on everything inside the platform. The exchange rate is fixed at 1 coin = 1 USD = 4,000 KHR โ consistent everywhere, always.
You also do not have to pay to earn coins โ daily activity, content creation, referrals, and achievements all generate coin earnings. For many active users, earned coins cover a meaningful portion of their platform spending without any top-up required.