Zaakpay – Comprehensive Payment Gateway Overview

Zaakpay is a modern, feature-rich payment gateway platform developed by MobiKwik, a leading Indian fintech firm. Designed to simplify and secure online payments for businesses of all sizes, Zaakpay is fully licensed as a Payment Aggregator by the Reserve Bank of India (RBI). It equips merchants with powerful tool enabling fast implementation and high transaction success rates.

Background & Positioning

Zaakpay was created by MobiKwik to bridge the payment infrastructure gap for startups, small businesses, and rapidly scaling merchants. Built on MobiKwik’s decade-long experience in fintech, Zaakpay serves as a dedicated B2B gateway for India-based businesses needing fast, reliable, and scalable online payment solutions. Its RBI license as a Payment Aggregator enhances trust and regulatory compliance, making it a secure choice for Indian merchants.

Supported Payment Channels

Credit/Debit Cards & Net Banking

Zaakpay accepts Visa, MasterCard, Maestro, American Express, Diners, and Discover cards. It also supports net banking through 50+ Indian banks, allowing for wide consumer reach.

Unified Payments Interface (UPI)

UPI payments through Zaakpay are quick, seamless, and carry no transaction fees for merchants—an excellent option for cost-conscious businesses.

Wallets, EMI, and Buy Now Pay Later (BNPL)

Zaakpay integrates with major mobile wallets and offers payment flexibility with EMI and BNPL options to improve conversions and cart values.

QR Code Payments

Merchants can generate dynamic or static QR codes for UPI and wallet transactions, bridging offline and online acceptance.

Developer-Friendly Integration & APIs

Zaakpay offers a flexible integration experience:

• Hosted checkout and embedded custom checkout flows

• Mobile SDKs for Android and iOS

• Prebuilt plugins for platforms like WooCommerce, Magento, Prestashop, and OpenCart

• RESTful APIs for core functions such as transaction status checks, refunds, split payments, settlements, and more

The platform includes retry logic for failed transactions, auto-refund features, and webhooks to streamline automation and improve success rates.

Security & Compliance

Zaakpay ensures top-tier security with:

• PCI DSS Level 1 compliance

• SSL encryption and tokenization

• 2FA and OTP authentication layers

• IP whitelisting and fraud detection tools

• Risk filters for transaction anomalies, velocity patterns, and country-level activity

These security measures make Zaakpay a trusted solution for businesses handling sensitive payment data.

Reporting & Analytics

The Zaakpay merchant dashboard features powerful analytics tools that offer:

• Real-time visibility of success/failure rates

• Refund status tracking

• Settlement overviews

• Custom report generation

• API access for ledger and reconciliation

This functionality helps merchants make informed decisions and resolve issues faster.

Business-Oriented Features

Payment Links

Merchants can generate payment URLs to collect payments without needing a website or app.

Split Payments

Perfect for marketplaces, Zaakpay allows transaction amounts to be divided automatically between vendors and platforms.

Subscription Billing

Supports recurring payment models, ideal for SaaS, memberships, and donations.

Branded Checkout

Customize the payment experience with logos, colors, and brand-aligned interfaces.

Customer Support & Service

Zaakpay provides 24/7 support for both merchants and end-users. Merchants can access a dedicated support portal to:

• Track ticket status

• Access documentation

• Review API guides and sandbox environments

• Request technical assistance for integration, refunds, and disputes

Support is accessible via email, ticketing system, and dedicated account managers for high-volume merchants.

Conclusion

Zaakpay is a secure, scalable, and developer-friendly payment gateway built by MobiKwik. It supports over 100 payment methods, including cards, UPI, wallets, and EMI options. With rapid onboarding, zero UPI fees, API-first design, and advanced merchant tools like retry logic, auto-refunds, and split billing, Zaakpay is tailored for SMEs, e-commerce platforms, subscription services, and mobile apps operating in India.