About ZOE Connect

Company facts

Legal operator

Jerome's Digital Shop, LLC

Brand

ZOE Connect (zoesend.com)

Category

International mobile top-up, gift cards, bill payments

Coverage

150+ countries, 500+ mobile operators

Card processing

Stripe — PCI DSS Level 1 service provider

Security contact

security@zoesend.com

How we source what we publish

• Every factual claim on our public pages links to a primary source — a regulator, standards body, operator or provider — never to a summary of one.
• Coverage and delivery-time statements describe what our fulfilment provider confirms, not marketing estimates.
• We do not claim certifications we do not hold. Card security is handled by Stripe as a PCI DSS Level 1 provider; ISO/IEC 27001 is a program we are working toward and is described as such.
• Pricing pages show the airtime amount and the service fee as one total before payment.
• Customer reviews shown on the site are submitted through our public review form and moderated before publication.
• Pages carry a last-reviewed date and are re-checked when a supporting source changes.

Sources we cite across the site

Claims on this page are backed by the primary sources below. Each link goes to the publisher, not to a summary.

1. Measuring digital development: Facts and Figures
   International Telecommunication Union (ITU)

   Global mobile subscription and internet-use statistics behind our coverage claims.

2. The Mobile Economy
   GSMA Intelligence

   Mobile operator counts, prepaid usage patterns and mobile-money adoption by region.

3. Remittance Prices Worldwide
   World Bank / KNOMAD

   Benchmark cost of sending value across borders, used when we describe fee transparency.

4. PCI Data Security Standard (PCI DSS)
   PCI Security Standards Council

   Definition of PCI DSS and Level 1 service-provider requirements referenced on our security pages.

5. Stripe security and PCI compliance
   Stripe

   How card data is captured and tokenised by our payment processor.

6. Recommendation E.164: The international public telecommunication numbering plan
   ITU-T

   The numbering rules we use to normalise and validate every recipient phone number.

7. Airtime and gift card API documentation
   Reloadly

   Operator catalogue, delivery confirmations and gift-card fulfilment behaviour.

8. Consumer advice: how to avoid gift card scams
   U.S. Federal Trade Commission

   Guidance we repeat when warning customers about gift-card and top-up fraud.

Corrections

Found something inaccurate or out of date? Email security@zoesend.com with the page and the claim. We review corrections and update the page's last-reviewed date when we make a change.