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Updated on August 13, 2010
Views: 7655 | Clicks: 388

Categories:
Merchant, Mobile payments

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General Information

Zaypay is a company that turns the tedious business of handling international micropayments into a tasty piece of cake. We provide a service that's free of out-of-pocket costs and can be integrated into your website in just minutes of your time.

Our highly developed micropayment system can be used by your customers through calling a phone number or sending a text message. Besides that, we monitor the cash-flow of all suppliers and operators, give reconciliation of your gained money and have extensive fraud control.

Because it's safe, quick and accessible for anybody who's got a phone. The consumer doesn't have to sign up or fill in forms. This way everybody can pay in the blink of an eye, without the risks involved using your creditcard on the internet.

All this makes our service especially suitable for downloads, website access, donations or anything else you might think of that involves small payments. All you do is make your visitor want to pay for something, and we make it possible.

Our philosophy is as simple as our service. We want to make micropayments available and worthwhile for anyone who wants to use them. We try to achieve this by providing an easy way to integrate our payment system. Zaypay worked it all out for you, and the best thing is, we offer our services totally free of out-of-pocket costs. Plus, we let our users hitchhike with our volume and thus our average payout is about the best available.

History

Founded in 2006, Zaypay International B.V. immediately started developing its international micropayment service.

Users

all

Fees

Micropayment Heaven

If you want to use the API or a Payalogue, you need to create a Price Setting first. Price Settings let you configure what countries, payment methods and what prices you want to use. Price Settings come in three modes, ranging from 'super easy' to 'full control'.

Super Easy Mode

The name says it all. You control the price you want to charge and a price margin we can use to fit payments in. Some payments have fixed prices, like pay-per-call phone-payments. Suppose in a certain country you can use this payment method to charge € 1,10. If you set the price at € 1,- and the margin to 10% you allow us to increase the amount charged to make that payment possible. This way you can get better coverage while still controlling things as tightly as you wish. The engine will always try to get the price right primarily, but will increase to margin if needed.

Easy Mode

In Easy Mode, you get extra controls that give you control over either countries or payment methods. This means you can tell a Price Setting "I only want to support payments by phone" or "I only accept payments from customers in Germany and Belgium".

Full Control Mode

In Full Control mode, you control every country and within that country every payment method. You're allowed to set prices per payment method per country, which really gives you full control.

Integration approaches

sms/phone/internet

Information for developers

API Overview
Application Programming Interface: Absolute freedom

Your app and Zaypay keeping each other POST-ed.

Using our API enables your application to talk with Zaypay directly, and allows Zaypay to talk back to your application. Your customers might not even know that Zaypay is working hard in the background to make all this happen. Your visitors just use your service and pay for it through a payment process controlled by your own application.

There's only a few topics your application and Zaypay can discuss through the API. We'll talk you through them here. The nitty gritty of the exact URLS and their parameters or classes can be found in the Api Integration Guide. Let's go through those API-calls in a logical sequence.

Price Setting required

When logged in to your free Zaypay account, you can create so-called 'Price Settings'. A Price Setting defines what countries and payment methods you want to support and is the base for working with the API. You can dynamically choose the amount to be paid through the API (though you could also choose not to do this, and use the amount setup in the Price Setting). The API won't go outside the boundaries of what you chose to support in the Price Setting you're using it with.

Tech details, language specific classes, plugins and other tools

You can read all the actual technical details - about URLs and variables - in the Api Integration Guide. This guide provides all the details of the communication on the lowest level. However, there are Zaypay Classes, Zaypay Plugins and other tools available for a couple computer languages and frameworks, which are easier to use than developing your own interface with the Zaypay API. A list of these and links to the downloads are also provided in the Api Integration Guide.

API flowsheet

Below you'll find a short example of the Zaypay API flowsheet. You'll notice the API can do a lot more for you then only process a payment. It will also help you with the text for you customers in their own locale.

   1. Zaypay determines your customers country and assumed language
      You use the locale_for_ip method of the API to send us the IP of your customer. The API answers with your customers locale (country & lanugage).
   2. You let your visitor confirm the country and language
      You use the list_locales method to get all supported countries and languages and show a list to your customer with the locale from step 2 preselected. In most cases your customer will just have to confirm this, not change it.
   3. You let your customer select a payment method
      You show the customer the list of payment methods that you chose to support for his country. This list can be fetched with the list_payment_methods API method.
   4. You let Zaypay prepare the payment
      You command Zaypay to prepare that payment for the selected payment method. Zaypay does so and responds with all the information of the prepared Payment. The API method create_payment is used for this.
   5. Show the instructions to you customer
      From the last response Zaypay gave you, you can build the page to show your customer what to do to make the payment. Instructions for your customer are passed through by the API in the selected langague.
   6. Your customer follows instructions and makes the payment
      Your customer makes the actual payment. The payment changes status. You are notified (Report URL) of this and you use the show API method to fetch the Payment object and check if it was actually paid for.
   7. You provide the customer with the product / service
      You can now provide the customer the service that was paid for.
 

Developed by: Digitela