Zaakpay
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:
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Hosted checkout and embedded custom checkout flows
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Mobile SDKs for Android and iOS
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Prebuilt plugins for platforms like WooCommerce, Magento, Prestashop, and OpenCart
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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:
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PCI DSS Level 1 compliance
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SSL encryption and tokenization
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2FA and OTP authentication layers
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IP whitelisting and fraud detection tools
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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:
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Real-time visibility of success/failure rates
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Refund status tracking
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Settlement overviews
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Custom report generation
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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:
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Track ticket status
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Access documentation
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Review API guides and sandbox environments
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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.
Zaakpay: Frequently Asked Questions (FAQs)
What is Zaakpay?
Zaakpay is a payment gateway developed by MobiKwik that supports over 100 payment methods, including cards, UPI, wallets, and EMI. Licensed as a Payment Aggregator by the Reserve Bank of India, it is designed to provide secure, scalable, and developer-friendly payment solutions for Indian businesses.
Which payment methods does Zaakpay support?
Zaakpay supports credit and debit cards, net banking from 50+ Indian banks, UPI, mobile wallets, EMI, Buy Now Pay Later (BNPL), and QR code payments.
Does Zaakpay charge fees for UPI payments?
No. Zaakpay offers UPI payments with zero transaction fees for merchants.
What integration options does Zaakpay provide?
Zaakpay offers hosted checkout, custom embedded checkout flows, Android and iOS SDKs, prebuilt plugins for WooCommerce, Magento, Prestashop, and OpenCart, as well as RESTful APIs for payment operations, refunds, settlements, and more.
Is Zaakpay PCI DSS compliant?
Yes. Zaakpay is PCI DSS Level 1 certified and uses SSL encryption, tokenization, 2FA, OTP authentication, IP whitelisting, and fraud detection tools to protect payment data.
Does Zaakpay support subscription billing?
Yes. Zaakpay supports recurring billing, making it suitable for SaaS platforms, memberships, and donation-based businesses.
What business tools does Zaakpay offer?
Zaakpay provides payment links, split payments for marketplaces, branded checkout customization, retry logic for failed transactions, auto-refunds, and a real-time reporting dashboard with API access.
What kind of customer support does Zaakpay provide?
Zaakpay offers 24/7 customer support via email, ticketing system, and dedicated account managers for high-volume merchants, along with access to a support portal for documentation, API guides, and ticket tracking.