Following the battle of Zama Carthage had to give money to Rome as war indemnity. Her other losses to Rome occurred before this battle.
Carthage lost her territories in Spain after her army there was defeated by the Romans at the battle of Ilipa (206 BC) in southern Spain four years earlier. Another result of this battle was that Massinissa and his eastern Numidians (in eastern Algeria) witched their alliance from Carthage to Rome.
After the battle of Ilipa, Syphax and his western Numidians (in western Algeria) switched alliance from Rome to Carthage. He helped the Carthaginians to fight against the Romans campaigning in Carthage’s own territory (Tunisia) but was defeated in the first battle of that front (the Battle of Bagbrades, 203 BC) one year before the battle of Zama. Syphax was chased by Massinissa and a Roman contingent and was captured. Massinissa took over western Numidia.

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Therefore, Carthage had already lost her Spanish territories and alliances to Rome before the battle of Zama. Part of the peace treaty ratified what Carthage had already lost/given to Rome, with the addition of giving her money. The other parts of the treaty did not involve Carthage giving Rome something.

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