In Zaakpay Express Checkout Flow, you can easily integrate it with your website and start accepting online payment through various payment methods such as Credit and Debit Card, Net banking, UPI and Wallet.
Once the customer clicks on the payment button, It redirects to the Zaakpay Standard Checkout Page.

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Haven't created your account yet?

Please follow our Getting started guide.

Transact API

Purpose: This API can be used to initiate a transaction and redirect user to Zaakpay Express Checkout Page.

Environment details:

• Staging Server: https://zaakstaging.zaakpay.com / http://zaakpay-stagapi1.mbkinternal.in
• Live Server: https://api.zaakpay.com

Request Type: POST
Endpoint: /api/paymentTransact/V8

Request Attributes

These Attributes are mentioned in the same order in which Zaakpay Payment Gateway calculates the checksum (Excluding checksum).

Response Attributes

These are the Response Attributes of Zaakpay Payment Gateway. Response Checksum is calculated based on the below Attributes only.

CheckSum Calculation

For both integrity & data-authenticity verification before sending data to the API. We use an algorithm HMAC SHA-256 to calculate the checksum.
Checksum is calculated on all request parameters that is posted to the API. We require data to be posted to Zaakpay server in the NVP (Name-Value Pairs) format.

To calculate the checksum please follow the process below:

• Create a list of all parameters which you are passing to the API. String used in checksum calculation has a predefined sequence in which parameters are to be concatenated.
• Create a concatenated string in alphabetical order of all data values in your list, with ampersand '&' at the end of each item with the parameter name. e.g.amount=amountvalue&buyerAddress=buyerAddressvalue&buyerEmail=buyerEmailvalue&merchantIdentifier=merchantIdentifiervalue&orderid=orderIdvalue&...
• Calculate the checksum using the HMAC SHA-256 algorithm, the concatenated string as data and your generated secret key. Checksum String should be in the same order in which request parameters are posted.
• The resulting checksum calculated should be posted to the Zaakpay API along with other data.

Note : The empty parameters are not to be used in the checksum calculation.

You can check the checksum string generated against the provided request parameters here. The secret key , returnUrl and currency were already configured for the sandbox environment.

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Want to simulate Zaakpay Express Checkout Flow?

Follow below steps to initiate the transactions.

Initiate Transaction

1. Click on Transact API to make a test transaction. Please refer to the below Image.
2. Insert Merchant Identifier and other fields on our Demo Page.
3. Click on the "Pay Now" button to proceed with the transaction on Zaakpay.
4. Use the Test Card details for our Staging Credentials and use live cards for our Live Environment.
5. Zaakpay will post the response of the transaction to the provided return URL.

Please try your first staging transaction here along with checksum string generation against the provided request attributes.

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Trying on Live Environment? Please keep the below point in mind.

• Only Live Credentials will work on Live Environment, which you can generate from Zaakpay Dashboard.
• Fill required details "Website URL" and "Redirect URL" in Zaakpay Dashboard and save it ("Developers">"Integration Urls").
• Use Live cards for Live transactions.
• For more details, Please refer to our FAQ.

Sample Request

This is the sample CURL request for reference. It takes required attributes only to initiate a transaction.

curl --location --request POST 'https://zaakstaging.zaakpay.com/api/paymentTransact/V8?amount=200&[email protected]&currency=INR&merchantIdentifier=fb2016ffd3a64b2994a6289dc2b671a4&orderId=ZPTest_1629007746215446&checksum=0606a7a82bd53d28ec97ba641c5f078776d6ebcf65e96e3c810294c21acb63cf' \
--header 'Cache-Control: no-cache' \
--header 'Postman-Token: c2376ff3-c001-4eeb-b828-ac3ebcc4d3b0' \
--header 'Cookie: JSESSIONID=C209398BAF749BB3935D44783B97C0A7'

amount=200&[email protected]&currency=INR&merchantIdentifier=fb2016ffd3a64b2994a6289dc2b671a4&orderId=ZPTest_1629007746215446&

Secret Key :
0678056d96914a8583fb518caf42828a

Generated Checksum : 0606a7a82bd53d28ec97ba641c5f078776d6ebcf65e96e3c810294c21acb63cf

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Getting Error code: 182 "Merchant Data not complete in our database" ?

To resolve this error please follow the below steps:

• Login to your Zaakpay account
• Go to Developers tab > Select "Integration Urls"
• Fill in "Website URL" and "Redirect URL"
• Save the data. Initiate new test transaction.

Sample Response

This is a sample response of above transaction.

orderId ZPTest_1629007746215446
responseCode    100
responseDescription The transaction was completed successfully.
checksum    c8ad85f594f2c79e517715087405422b7bce125361dde65b49e4e8447607e8b9
amount  200
doRedirect  false
paymentMode Wallet
cardId  NA
cardScheme  NA
cardToken   NA
bank    Mobikwik Wallet
bankid  MW
paymentMethod   N1053
cardhashid  NA
productDescription  NA
product1Description NA
product2Description NA
product3Description NA
product4Description NA
pgTransId   ZP5cd9a0435670f
pgTransTime 10/05/2021 17:48:19

txnData={
   "merchantIdentifier":"fb2016ffd3a64b2994a6289dc2b671a4",
   "txns":[
      {
         "amount":"200",
         "pgTransId":"ZP5cd9a0435670f",
         "orderId":"ZPTest_1629007746215446",
         "paymentMode":"Wallet",
         "cardScheme":"NA",
         "product3Description":"NA",
         "cardToken":"NA",
         "responseCode":"100",
         "bank":"Mobikwik Wallet",
         "bankid":"MW",
         "doRedirect":"false",
         "product1Description":"NA",
         "product4Description":"NA",
         "responseDescription":"The transaction was completed successfully. ",
         "cardId":"NA",
         "cardhashid":"NA",
         "paymentMethod":"N1053",
         "product2Description":"NA",
         "pgTransTime":"10\/05\/2021 17:48:19",
         "txnDate":"2021-10-05 17:48:20.354",
         "productDescription":"NA"
      }
   ]
}&checksum=5416275cc981e2508aee02d77994e13719603465b92df98b1a1b3ab26cd5c18a

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Final Response after Redirection

After completion of transaction, Zaakpay will redirect back to merchant’s returnUrl with the Response Attributes.

Response Checksum

Response Checksum will be calculated on all parameters in the same order as given below. Prepare checksum string by concatenating all param value with ampersand '&' at the end of each value with the parameter name. For Instance, Please refer to below Response Checksum String and Generated Checksum.

amount=200&bank=Mobikwik Wallet&bankid=MW&cardId=NA&cardScheme=NA&cardToken=NA&cardhashid=NA&doRedirect=false&orderId=ZPTest_1629007746215446&paymentMethod=N1053&paymentMode=Wallet&responseCode=100&responseDescription=The transaction was completed successfully. &productDescription=NA&product1Description=NA&product2Description=NA&product3Description=NA&product4Description=NA&pgTransId=ZP5cd9a0435670f&pgTransTime=10/05/2021 17:48:19&

c8ad85f594f2c79e517715087405422b7bce125361dde65b49e4e8447607e8b9

Zaakpay Payment Gateway Response codes

These are the transact API response codes. For more response code, Please download Zaakpay Express Checkout Flow Document Directly from here.

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Transactions Failing on Live Environment?

• Make sure you are using Live cards for Live Transactions.
• For more details, Please refer to our FAQ.