Zaakpay
Zaakpay is an India-based digital payment gateway developed by MobiKwik, designed to help online merchants accept a wide range of payments. It supports credit and debit cards, UPI, net banking, and wallets like MobiKwik, along with UPI QR codes.
Integration is quick, either via API or hosted checkout. Merchants often highlight its intuitive dashboard, smooth onboarding, and minimal technical barriers. The gateway is PCI DSS compliant, with encryption, tokenization, and fraud monitoring in place.
Zaakpay is a solid choice for small to medium-sized businesses seeking reliability, cost-efficiency, and reliable settlement speeds. While the setup process is fast, some businesses report occasional delays in payouts or support response.
| Characteristic | Details |
|---|---|
| Regions | India |
| Getting started | API integration or hosted checkout |
| Setup Fee | No setup fee |
| Commission per transaction | Competitive (India-market standard) |
| Payment methods accepted | Cards, UPI, net banking, wallets |
| Fraud & Risk management | Tokenization, 2FA, fraud filters |
| Accepted Currencies | INR and limited multi-currency |
| Set up type | API or redirect |
| Onboarding & Approvals | Fast (hours to days) |
| Recurring Billing | Supported |
| Charges on Refunds | Auto-triggered refunds |
| SDK Stacks | Developer-friendly APIs |
| Settlement time | T+1 to T+2 working days |
| Payouts support | Bank transfer |
| RegionsIndia | |
| Getting startedAPI integration or hosted checkout | |
| Setup FeeNo setup fee | |
| Commission per transactionCompetitive (India-market standard) | |
| Payment methods acceptedCards, UPI, net banking, wallets | |
| Fraud & Risk managementTokenization, 2FA, fraud filters | |
| Accepted CurrenciesINR and limited multi-currency | |
| Set up typeAPI or redirect | |
| Onboarding & ApprovalsFast (hours to days) | |
| Recurring BillingSupported | |
| Charges on RefundsAuto-triggered refunds | |
| SDK StacksDeveloper-friendly APIs | |
| Settlement timeT+1 to T+2 working days | |
| Payouts supportBank transfer |
Pros
- Quick and smooth integration
- Supports UPI, cards, wallets
- Strong security features
- Intuitive dashboard
Cons
- Occasional onboarding delays
- Support response can be slow
- Payouts may be delayed
- Limited functionality for split payments
Why Businesses Choose Zaakpay for Payment Collection
Zaakpay helps businesses streamline payment collection with high success rates and flexible methods. Its no-fee setup and real-time analytics dashboard make it especially attractive for SMEs. PCI compliance and tokenization ensure secure processing and build customer trust.
Businesses also benefit from recurring billing support, seamless refund handling, and compatibility with key Indian payment flows. The system is designed for scalability and manages large volumes without significant drops in performance.
How to Get Started: Explore Zaakpay Payment Integration Process
Getting started requires registration and document verification. Once approved, integration takes place via API or hosted checkout, typically completed within a few hours. The admin dashboard gives access to reports, settlements, refunds, and dispute resolution tools.
Recurring payments and billing logic can be managed through backend API settings. The process is optimized for both tech teams and non-technical users via plug-and-play features.
Zaakpay Reviews and Ratings from Real Users
Merchants often rate Zaakpay positively for ease of integration, clean interface, and strong performance. It’s a good fit for businesses looking for local reliability without high fees. Some negative feedback centers around onboarding hiccups and customer support timing.
Despite minor complaints, its core payment engine is reliable. Daily settlements, a modern API stack, and extensive UPI support make it a practical tool for Indian merchants.
Is Zaakpay Secure? A Look at Its Safety and Risk Management Features
Zaakpay has maintained a clean track record with no major publicized breaches. It uses tokenization to avoid storing raw card data, enforces TLS encryption, and includes two-factor authentication for merchant accounts.
Security audits, firewall rules, and fraud prevention algorithms are active across its infrastructure. The gateway also engages external security researchers to identify vulnerabilities before they can be exploited.
Zaakpay Pricing and Fees for Indian Businesses
Zaakpay does not charge a setup or annual fee, making it accessible for new businesses. Commissions are applied per transaction, with rates aligned with industry norms. Some services like wallet withdrawals may have additional costs depending on usage.
The pricing structure is transparent and suitable for both low and high transaction volumes. For many small businesses, this makes it more flexible than fixed-cost gateways.
Which Type of Business Should Accept Zaakpay Payments
Zaakpay is ideal for small and mid-sized businesses in sectors like e-commerce, online services, education, and utilities. Its features support B2C as well as recurring B2B flows, including subscriptions and automated billing.
The platform is especially relevant for companies operating fully online. The dashboard and reporting tools cater to operational needs across finance and technical teams.
Zaakpay for Physical Clients: Payment Mode Limitations
While Zaakpay doesn’t offer POS terminals, physical merchants can still accept payments via UPI QR codes and digital checkout links. It’s best suited for online-first businesses rather than brick-and-mortar retail.
For in-store operations, businesses may need to combine Zaakpay with a separate POS system. The gateway itself is optimized for digital transactions and web integrations.
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FAQ
How long does it take to activate a Zaakpay account?
Activation usually takes from a few hours to two business days, depending on how quickly documents are submitted and approved. In some cases, smaller startups may face additional review before approval.
Does Zaakpay support recurring billing?
Yes. Recurring payments are supported via its API. This makes Zaakpay suitable for SaaS platforms, subscription-based services, and membership businesses.
Is Zaakpay safe to use for customers and merchants?
Yes, the platform is PCI DSS certified and uses multiple layers of security including encryption, tokenization, and fraud detection. Merchants don’t store sensitive data, reducing exposure to potential breaches.
Are there charges for refunds?
Refunds are auto-processed to the original source of payment. Zaakpay itself does not list extra charges for this, but standard payment processing fees may still apply.
Does Zaakpay offer instant settlements?
No, settlements are generally processed in T+1 to T+2 working days. While the timing is consistent, it’s not designed for instant payouts.
