Zem

Bank verification

Verify Zemen Bank Transactions

Zemen Bank is an Ethiopian commercial bank. Zemen receipts are published as PDF documents accessible via a public URL containing the transaction reference.

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Required information

  • Transaction reference (required), e.g. ZM12345678

Reference number format

Alphanumeric transaction reference

Example: ZM12345678

How to verify Zemen with cheki

  1. Get the transaction reference from the customer's Zemen receipt
  2. cheki fetches the receipt PDF from Zemen's public endpoint
  3. Payment data is extracted from the PDF and returned as structured JSON

How Zemen receipt verification works

The Zemen receipt endpoint is: https://share.zemenbank.com/rt/{REFERENCE}/pdf

This is a public URL that returns a PDF document containing the official transaction data. No authentication is required.

Who uses Zemen verification

  • Merchants verifying Zemen transfers
  • Businesses reconciling Zemen deposits
  • Apps integrating Zemen payment verification

Verifying Zemen via API

cheki provides a free REST API for Zemen verification:

POST https://chekiapp.vercel.app/api/verify

Request body: { "bank": "zemen", "reference": "ZM12345678" }

See the API documentation for full details.

Frequently asked questions