diff --git a/zinipay.php/zinipay.php b/zinipay.php/zinipay.php
new file mode 100644
index 0000000..3a8757e
--- /dev/null
+++ b/zinipay.php/zinipay.php
@@ -0,0 +1,85 @@
+<?php
+/**
+ * ZiniPay Live Payment Gateway for PHPNuxBill
+ * Live-only version, fully API-style, with auto-verify on return.
+ */
+
+function zinipay_config() {
+    return [
+        "FriendlyName" => ["Type"=>"System","Value"=>"ZiniPay"],
+        "debug"        => ["FriendlyName"=>"Enable Debug Logging","Type"=>"yesno","Value"=>"0"]
+    ];
+}
+
+function zinipay_validate_config($params = []) {
+    // No API key field since it is hardcoded
+    return [];
+}
+
+function zinipay_link($params) {
+    $debug = ($params['debug'] ?? '') == 'on';
+
+    $invoiceid = $params['invoiceid'];
+    $amount = number_format($params['amount'], 2, '.', '');
+    $description = "Invoice #$invoiceid";
+
+    $systemurl = rtrim($params['systemurl'], '/');
+    $return_url = $systemurl . "/system/paymentgateway/callback/zinipay_return.php?invoiceid=" . urlencode($invoiceid);
+    $notify_url = $systemurl . "/system/paymentgateway/callback/zinipay.php";
+
+    // Live-only endpoint
+    $endpoint = "https://secure.zinipay.com/payment/";
+
+    // Hardcoded API key
+    $apiKey = "40369d7a7cf89e1dbbd97e1ae47b9ea15af0a49264fcdbcf";
+
+    $payload = [
+        'redirect_url' => $return_url,
+        'cancel_url'   => $return_url . '&status=cancel',
+        'webhook_url'  => $notify_url,
+        'metadata'     => ['invoiceId' => $invoiceid],
+        'amount'       => $amount,
+        'description'  => $description
+    ];
+
+    if ($debug) zinipay_log("Create Payment Request", ['endpoint'=>$endpoint,'payload'=>$payload]);
+
+    $ch = curl_init($endpoint);
+    curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
+    curl_setopt($ch, CURLOPT_POST, true);
+    curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode($payload));
+    curl_setopt($ch, CURLOPT_HTTPHEADER, [
+        'Content-Type: application/json',
+        'zini-api-key: ' . $apiKey
+    ]);
+
+    $response = curl_exec($ch);
+    $error = curl_error($ch);
+    curl_close($ch);
+
+    if ($error) {
+        zinipay_log("cURL Error", ['error'=>$error]);
+        return "Error initiating payment. Check logs.";
+    }
+
+    $data = json_decode($response, true);
+
+    if ($debug) zinipay_log("Create Payment Response", ['response'=>$data]);
+
+    if (isset($data['url'])) {
+        return "<script>window.location.href = '{$data['url']}';</script>";
+    } else {
+        $msg = $data['message'] ?? 'Failed to create payment request';
+        zinipay_log("Payment Creation Failed", ['response'=>$data]);
+        return "Payment failed: {$msg}";
+    }
+}
+
+function zinipay_log($title, $data = []) {
+    $logDir = realpath(__DIR__ . '/../../storage/logs') ?: (__DIR__ . '/../../storage/logs');
+    if (!is_dir($logDir)) @mkdir($logDir, 0777, true);
+    $logFile = $logDir . '/gateway_zinipay.log';
+    $time = date("Y-m-d H:i:s");
+    $entry = "[$time] $title\n" . print_r($data,true) . "\n-------------------\n";
+    @file_put_contents($logFile, $entry, FILE_APPEND | LOCK_EX);
+}