Your Business Deserves a World-Class Checkout
A payment gateway is a merchant service that processes credit card, debit card and internet banking payments for online purchases. Modern customers prefer cashless payments — credit cards, debit cards, UPI, net banking and wallets — over conventional channels.
ZuelPay's payment gateway safeguards sensitive information through 256-bit SSL encryption. It transmits transaction data to acquiring banks and receives instant responses from issuing banks — all in milliseconds. Promotes secure communication within banks.
Our team of experienced payment integration engineers connect your website with India's most popular and trusted gateway providers — fully PCI DSS Level 1 certified.
Every Payment Mode Indians Love
One integration — every payment method your customers could ever want to use.
Credit Cards
Visa, Mastercard, Amex, RuPay
Debit Cards
All Indian bank debit cards with 3D Secure
UPI
PhonePe, GPay, Paytm, BHIM and all UPI apps
Net Banking
150+ Indian banks — all major private and PSU
Wallets
Paytm, MobiKwik, Amazon Pay, Freecharge
EMI
No-cost EMI on credit and debit cards from major banks
Buy Now Pay Later
LazyPay, ZestMoney, Simpl and other BNPL providers
Gift Vouchers
Accept popular brand gift cards as payment
Payment Links
Shareable links via SMS, email or WhatsApp
Choose Your Gateway Type
Hosted Payment Gateway
The customer is redirected to a secure ZuelPay-hosted payment page during checkout. Once payment completes, they return to your site with the transaction status.
- Zero PCI DSS compliance burden on your team
- Pre-built, mobile-optimised checkout UI
- Fastest to integrate — just a redirect URL
- Fully customisable with your logo and brand colors
- Ideal for small to mid-size businesses
Embedded / Shared Gateway
All transaction procedures happen directly on your website — customers never leave your domain. Full control over the checkout experience built on our APIs.
- Complete control over checkout flow and UI
- Higher conversion — seamless user experience
- Custom form fields and validation logic
- Requires PCI SAQ-A or SAQ-D compliance
- Best for large enterprises and high-volume merchants
Bank-Grade Security, Always On
End-to-End Encryption
All cardholder data is encrypted with 256-bit SSL before transmission. Card numbers, CVV and account details are never stored in plain text.
PCI DSS Level 1
The highest level of Payment Card Industry Data Security Standard certification. Card association security rules are maintained and audited annually.
Fraud Detection AI
Real-time AI-powered fraud scoring on every transaction. Velocity checks, device fingerprinting, IP analysis — all in under 100ms.
3D Secure 2.0
Two-factor authentication via OTP or biometric for card payments. Shift liability to issuing banks while offering a frictionless experience for trusted customers.
Card Tokenisation
Store customer cards securely with RBI-compliant card tokenisation. Returning customers pay in one tap — zero CVV required for trusted devices.
Chargeback Management
Automated chargeback alerts with evidence submission tools. Our risk team helps you fight disputes and maintain a healthy chargeback ratio.
How the Gateway Processes Payments
Customer Initiates Payment
Customer selects items and clicks Pay. Your site calls our API to create a payment session and receives a secure checkout token.
Secure Checkout Renders
Customer enters payment details on the PCI-compliant page. Data is encrypted client-side before it ever reaches our servers.
Gateway Authorises Transaction
ZuelPay routes the transaction to the acquiring bank, which contacts the card network and issuing bank for real-time authorisation.
Instant Response & Webhook
Payment approved or declined in under 2 seconds. Your server receives a webhook with the full transaction status.
Settlement to Your Bank
Funds settled to your bank account on T+1 cycle. Detailed reports in your dashboard in real-time.
// POST /v2/gateway/session
const res = await fetch(
'https://api.zuelpay.com/v2/gateway/session',
{
method: 'POST',
headers: { 'Authorization': 'Bearer zp_live_xxx' },
body: JSON.stringify({
amount: 99900, // ₹999 in paise
currency: 'INR',
order_id: 'ORD_2026_001',
customer_email: 'user@email.com',
customer_mobile: '9876543210',
payment_modes: ['card','upi','nb','wallet','emi'],
redirect_url: 'https://yoursite.com/thank-you',
notify_url: 'https://yoursite.com/webhook'
})
}
);
// 200 OK Response
{
"checkout_url": "https://pay.zuelpay.com/c/...",
"session_id": "sess_2026032900001",
"expires_at": "2026-03-29T16:00:00Z",
"status": "created"
}
Built for Indian Businesses
Instant Activation
KYC approved and payment gateway live in under 24 hours. No lengthy paperwork or bank visits — everything is done online.
Easy Integration
SDKs for Android, iOS, React Native, PHP, Java, .NET, Node.js. Pre-built plugins for Shopify, WooCommerce, Magento and more.
Smart Analytics
Real-time dashboard with payment analytics, conversion funnels, refund reports, settlement statements and tax summaries.
International Payments
Accept payments from customers in 100+ countries. Multi-currency support with automatic INR conversion at live rates.
Recurring Billing
Subscription and recurring payment mandates via e-NACH and UPI AutoPay — for SaaS, OTT, insurance and membership businesses.
24/7 Support
Dedicated payment integration engineers and round-the-clock technical support. Average response under 30 minutes for critical issues.
Complete Your Payment Stack
UPI Collection API
Accept UPI payments via QR code, VPA or collect requests — instant settlement.
💸Payout API
Send instant fund transfers via IMPS, NEFT, RTGS and UPI to any bank.
🎁Gift Voucher API
Issue and redeem digital gift vouchers for 500+ Indian and global brands.
📄BBPS API
Full Bharat Bill Payment System with 200+ billers.
🏦Virtual Account API
Create virtual bank accounts for automated payment reconciliation.
📱QR Code & UPI API
Generate dynamic QR codes and validate UPI IDs instantly.
Launch Your Payment Gateway Today
KYC approval in 24 hours. Competitive rates, no hidden charges, full sandbox access.