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Zaakpay for developers

Start testing payments on your website in minutes!

Here at zaakpay we are committed to providing the best experience to merchants and developers alike. We have worked hard on providing developerswith the easiest integration experience for any online payments products. Here you will find everything you need to get your website up and accepting payments!

SIGN UP or LOG IN to start your integration today!

Or, integrate yourself using API documentation below:

  • API post URLs
  • APIs

Transact Request Parameters, Ver. 1

Parameter Optional - O
Mandatory - M
Validation Allowed Values

merchantIdentifier M alphanumeric Zaakpay's unique identifier for your website

orderId M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

returnUrl O this must be the domain (or a sub domain of it) you saved under My Account > Integration URL where you want Zaakpay to post the response

buyerEmail M valid email address of the buyer pankaj@gmail.com

buyerFirstName M max 30 alphanumeric character, no special character or dashes. First name on card Pankaj Kumar

buyerAddress M 100 alphanumeric
Street address of the buyer.
#123, Hello Apartments, Rainbow Street, Defence Colony

buyerCity M 30 alphabet, minimum 3 Surat

buyerState M State of the buyer Gujarat

buyerCountry M Country of the buyer India

buyerPincode M Buyer's pin/zip code. 2 to 12 digits
Can have Numbers,Spaces and Hyphens (-) only
110011

buyerPhoneNumber M buyer's landline or mobile phone number
numeric only, no dashes, no spaces
eg. 01145771775
9971712962

txnType M 1 digit only, numeric
Zaakpay will show the tab on the payment page which corresponds to the txnType you provide
debit/credit cards=1,
net banking=3

zpPayOption M Which Zaakpay option have you used for this transaction. 1 digit only, numeric
Default value is 1.
0=on_zaakpay
1=button_redirect
2=widget_redirect
3=api

mode M 1 digit only, numeric Single digit numeric value, 0 or 1
Domain / referral checks will be skipped if mode is set to 0. Ideal when making API requests from developer / staging environments

currency M values defined by Zaakpay INR is the only accepted value

amount M amount in paisa. min 100, max 10000000;
The amount limit per transaction you saved
under My Account>Integration is applied.
example Re 1 is 100 paisa, Rs 777.50 is 77750 paisa

merchantIpAddress M buyer's IP address as recorded by your website.
numeric and dots only
127.1.0.1

txnDate M Transaction date in yyyy-MM-dd format 1984-11-13

purpose M min and max numeric 1 digit
You must specify the purpose of the transaction
0=Service, 1=Goods, 2=Auction, 3=Others

productDescription M Text description of what you are selling. At least 1 product description is mandatory to show in the bill on payment page.
free text alphanumeric 100 max
eg. name of book, name of mobile etc.
eg. Rs 199 Godzilla Movie DVD

product1Description O free text alphanumeric 100 max

product2Description O free text alphanumeric 100 max

product3Description O free text alphanumeric 100 max

product4Description O free text alphanumeric 100 max

shipToAddress O You may specify this only when buyer's address is different from shipping address.
30 alphanumeric
Flat 1A, Sector7, Defence Colony

shipToCity O shipping address city. 30 alphabet, minimum 3 Surat

shipToState O shipping address state Gujarat

shipToCountry O shipping address country India

shipToPincode O Shipping address pin/zip code. 2 to 12 digits
Can have Numbers,Spaces and Hyphens (-) only
110011

shipToPhoneNumber O shipping address landline or mobile phone number
numeric only, no dashes, no spaces
eg. 01145771775
9971712962

shipToFirstname O max 30 alphanumeric characters,no special characters or dashes Kumaraswamy

showMobile O false : We show the full fledged version unconditionally.
DETECT : We do detection of the userAgent of the browser from which the request is sent & route accordingly.
true : We show the mobile page unconditionally.
missing / not sent : Same as DETECT ( ie We do detection at our end )

checksum M checksum is calculated on a string with parameters in same order as you post to zaakpay

Transact Response Parameters, Ver. 1

Parameter Optional - O
Mandatory - M
Validation Allowed Values

orderId M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

responseCode M numeric max 3 digits 123

responseDescription M alphanumeric max 30 description of the response

checksum M checksum calculated at zaakpay's server end on a string [joining every parameter value] for security purpose Array of characters and numbers

Transact Request Parameters, Ver. 2

Parameter Optional - O
Mandatory - M
Validation Allowed Values

merchantIdentifier M alphanumeric Zaakpay's unique identifier for your website

orderId M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

returnUrl O this must be the domain (or a subdomain of it) you saved under My Account > Integration URL where you want Zaakpay to post the response

buyerEmail M valid email address of the buyer pankaj@gmail.com

buyerFirstName M max 30 alphanumeric character, no special character or dashes. First name on card Pankaj Kumar

buyerAddress M 100 alphanumeric
Street address of the buyer.
#123, Hello Apartments, Rainbow Street, Defence Colony

buyerCity M 30 alphabet, minimum 3 Surat

buyerState M State of the buyer Gujarat

buyerCountry M Country of the buyer India

buyerPincode M Buyer's pin/zip code. 2 to 12 digits
Can have Numbers,Spaces and Hyphens (-) only
110011

buyerPhoneNumber M buyer's landline or mobile phone number
numeric only, no dashes, no spaces
eg. 01145771775
9971712962

txnType M 1 digit only, numeric
Zaakpay will show the tab on the payment page which corresponds to the txnType you provide
debit/credit cards=1,
net banking=3

zpPayOption M Which Zaakpay option have you used for this transaction. 1 digit only, numeric
Default value is 1.
0=on_zaakpay
1=button_redirect
2=widget_redirect
3=api

mode M 1 digit only, numeric Single digit numeric value, 0 or 1
Domain / referral checks will be skipped if mode is set to 0. Ideal when making API requests from developer / staging environments

currency M values defined by Zaakpay INR is the only accepted value

amount M amount in paisa. min 100, max 10000000;
The amount limit per transaction you saved
under My Account>Integration is applied.
example Re 1 is 100 paisa, Rs 777.50 is 77750 paisa

merchantIpAddress M buyer's IP address as recorded by your website.
numeric and dots only
127.1.0.1

txnDate M Transaction date in yyyy-MM-dd format 1984-11-13

purpose M min and max numeric 1 digit
You must specify the purpose of the transaction
0=Service, 1=Goods, 2=Auction, 3=Others

productDescription M Text description of what you are selling. At least 1 product description is mandatory to show in the bill on payment page.
free text alphanumeric 100 max
eg. name of book, name of mobile etc.
eg. Rs 199 Godzilla Movie DVD

product1Description O free text alphanumeric 100 max

product2Description O free text alphanumeric 100 max

product3Description O free text alphanumeric 100 max

product4Description O free text alphanumeric 100 max

shipToAddress O You may specify this only when buyer's address is different from shipping address.
30 alphanumeric
Flat 1A, Sector7, Defence Colony<

shipToCity O shipping address city. 30 alphabet, minimum 3 Surat

shipToState O shipping address state Gujarat

shipToCountry O shipping address country India

shipToPincode O Shipping address pin/zip code. 2 to 12 digits
Can have Numbers,Spaces and Hyphens (-) only
110011

shipToPhoneNumber O shipping address landline or mobile phone number
numeric only, no dashes, no spaces
eg. 01145771775
9971712962

shipToFirstname O max 30 alphanumeric characters,no special characters or dashes Kumaraswamy

showMobile O false : We show the full fledged version unconditionally.
DETECT : We do detection of the userAgent of the browser from which the request is sent & route accordingly.
true : We show the mobile page unconditionally.
missing / not sent : Same as DETECT ( ie We do detection at our end )

checksum M checksum is calculated on a string with parameters in same order as you post to zaakpay

Transact Response Parameters, Ver. 2

Parameter Optional - O
Mandatory - M
Validation Allowed Values

orderId M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

responseCode M numeric max 3 digits 123

responseDescription M alphanumeric max 30 description of the response

checksum M checksum calculated at zaakpay's server end on a string [joining every parameter value] for security purpose Array of characters and numbers

amount M Transaction Amount [ in paisa] Example : For Rs:18 amount=1800

paymentMethod M Payment Method ID for Card and Net Banking transactions. For Card txns, payment Method ID starts with C and N for Net Banking. It is alphanumeric value with max length 6. First letter is C or N, followed by 5 digits max.

Transact Request Parameters, Ver. 3

Parameter Optional - O
Mandatory - M
Validation Allowed Values

merchantIdentifier M alphanumeric Zaakpay's unique identifier for your website

orderId M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

returnUrl O this must be the domain (or a subdomain of it) you saved under My Account > Integration URL where you want Zaakpay to post the response

buyerEmail M valid email address of the buyer pankaj@gmail.com

buyerFirstName M max 30 alphanumeric character, no special character or dashes. First name on card Pankaj Kumar

buyerAddress M 100 alphanumeric
Street address of the buyer.
#123, Hello Apartments, Rainbow Street, Defence Colony

buyerCity M 30 alphabet, minimum 3 Surat

buyerState M State of the buyer Gujarat

buyerCountry M Country of the buyer India

buyerPincode M Buyer's pin/zip code. 2 to 12 digits
Can have Numbers,Spaces and Hyphens (-) only
110011

buyerPhoneNumber M buyer's landline or mobile phone number
numeric only, no dashes, no spaces
eg. 01145771775
9971712962

txnType M 1 digit only, numeric
Zaakpay will show the tab on the payment page which corresponds to the txnType you provide
debit/credit cards=1,
net banking=3

zpPayOption M Which Zaakpay option have you used for this transaction. 1 digit only, numeric
Default value is 1.
0=on_zaakpay
1=button_redirect
2=widget_redirect
3=api

mode M 1 digit only, numeric Single digit numeric value, 0 or 1
Domain / referral checks will be skipped if mode is set to 0. Ideal when making API requests from developer / staging environments

currency M values defined by Zaakpay INR is the only accepted value

amount M amount in paisa. min 100, max 10000000;
The amount limit per transaction you saved
under My Account>Integration is applied.
example Re 1 is 100 paisa, Rs 777.50 is 77750 paisa

merchantIpAddress M buyer's IP address as recorded by your website.
numeric and dots only
127.1.0.1

txnDate M Transaction date in yyyy-MM-dd format 1984-11-13

purpose M min and max numeric 1 digit
You must specify the purpose of the transaction
0=Service, 1=Goods, 2=Auction, 3=Others

productDescription M Text description of what you are selling. At least 1 product description is mandatory to show in the bill on payment page.
free text alphanumeric 100 max
eg. name of book, name of mobile etc.
eg. Rs 199 Godzilla Movie DVD

product1Description O free text alphanumeric 100 max

product2Description O free text alphanumeric 100 max

product3Description O free text alphanumeric 100 max

product4Description O free text alphanumeric 100 max

shipToAddress O You may specify this only when buyer's address is different from shipping address.
30 alphanumeric
Flat 1A, Sector7, Defence Colony<

shipToCity O shipping address city. 30 alphabet, minimum 3 Surat

shipToState O shipping address state Gujarat

shipToCountry O shipping address country India

shipToPincode O Shipping address pin/zip code. 2 to 12 digits
Can have Numbers,Spaces and Hyphens (-) only
110011

shipToPhoneNumber O shipping address landline or mobile phone number
numeric only, no dashes, no spaces
eg. 01145771775
9971712962

shipToFirstname O max 30 alphanumeric characters,no special characters or dashes Kumaraswamy

showMobile O false : We show the full fledged version unconditionally.
DETECT : We do detection of the userAgent of the browser from which the request is sent & route accordingly.
true : We show the mobile page unconditionally.
missing / not sent : Same as DETECT ( ie We do detection at our end )

checksum M checksum is calculated on a string with parameters in same order as you post to zaakpay

Transact Response Parameters, Ver. 3

Parameter Optional - O
Mandatory - M
Validation Allowed Values

orderId M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

responseCode M numeric max 3 digits 123

responseDescription M alphanumeric max 30 description of the response

checksum M checksum calculated at zaakpay's server end on a string [joining every parameter value] for security purpose Array of characters and numbers

amount M Transaction Amount [ in paisa] Example : For Rs:18 amount=1800

paymentMethod M Unique id for each card number used in transaction. For Netbanking txns, value will be “NA”.

cardhashid M Payment Method ID for Card and Net Banking transactions. For Card txns, payment Method ID starts with C and N for Net Banking. It is alphanumeric value with max length 6. First letter is C or N, followed by 5 digits max.

Transact API Response Codes

Response code Response Description

100 The transaction was completed successfully.

101 Merchant not found. Please check your merchantIdentifier field.

102 Customer cancelled transaction.

103 Fraud Detected.

104 Customer Not Found.

105 Transaction details not matched.

106 IpAddress BlackListed.

107 Transaction Amount not in specified amount range.

108 Validation Successful.

109 Validation Failed.

110 MerchantIdentifier field missing or blank.

111 MerchantIdentifier Not Valid.

126 Date received with request was not valid.

127 ReturnUrl does not match the registered domain.

128 Order Id Already Processed with this Merchant.

129 OrderId field missing or blank.

130 OrderId received with request was not Valid.

131 ReturnUrl field missing or blank.

132 ReturnUrl recieved with request was not Valid

133 BuyerEmail field missing or blank.

134 BuyerEmail recieved with request was not Valid.

135 BuyerFirstName field missing or blank.

136 BuyerFirstName recieved with request was not Valid.

137 BuyerLastName field missing or blank.

138 BuyerLastName recieved with request was not Valid.

139 BuyerAddress field missing or blank.

140 BuyerAddress recieved with request was not Valid.

141 BuyerCity field missing or blank.

142 BuyerCity recieved with request was not Valid.

143 BuyerState field missing or blank.

144 BuyerState recieved with request was not Valid.

145 BuyerCountry field missing or blank.

146 BuyerCountry recieved with request was not Valid.

147 BuyerPincode field missing or blank.

148 BuyerPinCode recieved with request was not Valid.

149 BuyerPhoneNumber field missing or blank.

150 BuyerPhoneNumber recieved with request was not Valid.

151 TxnType field missing or blank.

152 TxnType recieved with request was not Valid.

153 ZpPayOption field missing or blank.

154 ZpPayOption recieved with request was not Valid.

155 Mode field missing or blank.

156 Mode recieved with request was not Valid.

157 Currency field missing or blank.

158 Currency recieved with request was not Valid.

159 Amout field missing or blank.

160 Amount recieved with request was not Valid.

161 BuyerIpAddressfield missing or blank.

162 BuyerIpAddress recieved with request was not Valid.

163 Purposefield missing or blank.

164 Purpose recieved with request was not Valid.

165 ProductDescription field missing or blank.

166 ProductDescription recieved with request was not Valid.

167 Product1Description recieved with request was not Valid.

168 Product2Description recieved with request was not Valid.

169 Product3Description recieved with request was not Valid.

170 Product4Description recieved with request was not Valid.

171 ShipToAddress recieved with request was not Valid.

172 ShipToCity recieved with request was not Valid.

173 ShipToState recieved with request was not Valid.

174 ShipToCountry recieved with request was not Valid.

175 ShipToPincode recieved with request was not Valid.

176 ShipToPhoneNumber recieved with request was not Valid.

177 ShipToFirstname recieved with request was not Valid.

178 ShipToLastname recieved with request was not Valid.

179 Date is blank.

179 Date recieved with request was not valid.

180 checksum received with request is not equal to what we calculated.

181 Merchant Data Complete.

182 Merchant Data Not Complete in Our Database.

183 Unfortunately, the transaction has failed.

189 Checksum was blank.

218 IP address field missing or blank.

226 Acquiring Bank timed out.

227 Acquiring Bank returned an error.

400 The transaction was declined by the issuing bank.

401 The transaction was rejected by the acquiring bank.

402 This test transaction has been successfully completed

403 Transaction failed because this card has been blocked by Zaakpay

404 Transaction failed due to security checks

405 Transaction failed due to security checks.

501 debitorcredit is blank

502 bankid is blank

503 encrypted_pan is blank

504 card is blank

505 nameoncard is blank

506 encryptedcvv is blank

507 encrypted_expiry_month is blank

508 encrypted_expiry_year is blank

601 Transaction completed successfully.

602 Merchant secret key does not exist.

603 User Blocked.

604 Merchant Blocked.

605 Merchant does not Exist.

606 Merchant not registered on MobiKwik.

607 Wallet TopUp Failed.

608 Wallet Debit Failed.

609 Wallet Credit Failed.

610 User cancelled transaction at Login page.

611 User cancelled transaction at Wallet Top Up page.

612 User cancelled transaction at Wallet Debit page.

613 Order Id already processed with this merchant.

614 Length of parameter orderid must be between 8 to 30 characters.

615 Parameter orderid must be alphanumeric only.

616 Parameter email is invalid.

617 Parameter amount must be integer only.

618 Parameter cell is invalid. It must be numeric, have 10 digits and start with 7,8,9.

619 Parameter merchantname is invalid. It must be alphanumeric and its length must be between 1 to 30 characters.

620 Parameter redirecturl is invalid.

621 User Authentication failed.

622 Monthly Wallet Top up limit crossed.

623 Monthly transaction limit for this user crossed.

624 Maximum amount per transaction limit for this merchant crossed.

625 Merchant is not allowed to perform transactions on himself.

626 Checksum Mismatch.

627 Unexpected Error.

628 Orderid is Blank or Null.

629 Unknown Error!!

Check Request Parameters, Ver. 1

Parameter Optional - O
Mandatory - M
Validation Allowed Values

merchantIdentifier M alphanumeric Zaakpay's unique identifier for your website

orderId M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

mode M 1 digit only, numeric 0=test 1=production

checksum M calculated on a string joining every parameter's value above Array of characters and numbers

Check Response Parameters, Ver. 1

Parameter Optional - O
Mandatory - M
Validation Allowed Values

merchantid M alphanumeric Zaakpay's unique identifier for your website

orderid M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

responsecode M numeric max 3 digits 123

description M alphanumeric max 30 description of the response

checksum M checksum calculated at zaakpay's server end on a string [joining every parameter value] for security purpose

Check Request Parameters, Ver. 2

Parameter Optional - O
Mandatory - M
Validation Allowed Values

merchantidentifier M alphanumeric Zaakpay's unique identifier for your website

orderId M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

mode M 1 digit only, numeric 0=test 1=production

checksum M calculated on a string joining every parameter's value above Array of characters and numbers

Check Response Parameters, Ver. 2

Parameter Optional - O
Mandatory - M
Validation Allowed Values

merchantid M alphanumeric Zaakpay's unique identifier for your website

orderid M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

responsecode M numeric max 3 digits 123

description M alphanumeric max 30 description of the response

amount M Transaction Amount [ in paisa] Example : For Rs:18 amount=1800

paymentMethod M Payment Method ID for Card and Net Banking transactions. For Card txns, payment Method ID starts with C and N for Net Banking. It is alphanumeric value with max length 6. Example : For Rs:18 amount=1800

cardhashid M Unique id for each card number used in transaction. For Netbanking txns, value will be "NA".

checksum M checksum calculated at zaakpay's server end on a string [joining every parameter value] for security purpose

Check API Response Codes

Response code Response Description

103 Fraud Detected

110 MerchantIdentifier field missing or blank

111 MerchantIdentifier not valid

129 OrderId field missing or blank

155 Mode field missing or blank

156 Mode received with request was not valid

180 Checksum received with request is not equal to what we calculated.

182 Merchant Data not complete in our database.

189 Checksum was blank.

190 OrderId either not processed or Rejected.

191 Merchant Identifier or Order Id was not valid.

205 We could not find this transaction in our database.

206 Transaction in Scheduled state.

207 Transaction in Initiated state.

208 Transaction in Processing state.

209 Transaction has been authorized.

210 Transaction has been put on hold.

211 Transaction is incomplete.

212 Transaction has been settled.

213 Transaction has been cancelled.

223 Data Validation success.

228 Transaction has been captured..

230 Transaction Refund Initiated

231 Transaction Refund Completed

232 Transaction Payout Initiated

233 Transaction Payout Completed

234 Transaction Payout Error;

236 Transaction Refund Paid Out

237 Transaction Chargeback has been initiated

238 Transaction Chargeback is being processed

239 Transaction Chargeback has been accepted

240 Transaction Chargeback has been reverted

241 Transaction Chargeback revert is now complete

Update Request Parameters, Ver. 1

Parameter Optional - O
Mandatory - M
Validation Allowed Values

merchantIdentifier M alphanumeric Zaakpay's unique identifier for your website

orderId M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

mode M 1 digit only, numeric 0=test 1=production

description M alphanumeric max 30 description of the response

updateDesired M numeric, max 2 digits, values predefined by Zaakpay 7="Capture", 8="Cancel", 14="Refund",22="Partial Refund(in some cases)". Note: If you request a state update to "Refund" we will issue the full amount refund to the user.

updateReason M description of the reason for update. min 5, max 50 alphanumeric characters. no special characters or dashes Examples: you want to cancel a transaction, your user wants a refund, you want to settle a transaction

checksum M checksum is calculated on a string with parameters in same order as you post to zaakpay Array of characters and numbers

Update Response Parameters, Ver. 1

Parameter Optional - O
Mandatory - M
Validation Allowed Values

merchantid M alphanumeric Zaakpay's unique identifier for your website

orderid M max 20 alphanumeric, must be unique per website, we do not accept duplicate Your unique transaction identifier

responsecode M numeric max 3 digits 123

description M alphanumeric max 30 description of the response

checksum M checksum calculated at zaakpay's server end on a string [joining every parameter value] for security purpose Array of characters and numbers

Update API Response Codes

Response code Response Description

184 Update Desired blank.

185 Update Desired not Valid.

186 Update Reason blank.

187 Update Reason Not Valid.

189 Checksum was blank.

190 OrderId either not Processed or Rejected.

201 Transaction cannot be refunded.

203 Transaction status could not be updated try again.

229 Transaction cannot be captured.

230 Transaction Refund Initiated

242 Transaction captured successfully.

243 Transaction cancelled successfully.

245 Transaction Partial Refund Initiated

Description
  1. Scheduled - Transaction has not started yet, will start at a later date. Not used in Webpay product
  2. Initiated - Transaction has now started. User will now be shown the card page
  3. Processing - The user has been shown the card page and we are now waiting for input from him. He is entering the card number and it is being sent to the bank
  4. Authorised - The user entered the card number and 3dsecure in the page, it was sent to the bank, and the bank has approved the transaction. The money has been blocked from the user's account
  5. On Hold - Transaction temporarily stopped by Zaakpay and Merchant cannot capture it
  6. InComplete - User left the transaction without filling in info
  7. Declined - Bank has refused to approve transaction
  8. Captured - The merchant has shipped the product, and now asks for the money to be transferred to his account. the bank has approved the request (but money not moved yet)
  9. Cancelled by Merchant - Merchant has cancelled the transaction. request does not go to bank, it just stops merchant from capturing transaction
  10. Cancelled by Zaakpay - Zaakpay has cancelled the transaction. request does not go to bank, it just stops merchant from capturing transaction
  11. Settled - We got notification from the Bank and verified it against transaction. the amount for the transaction has come into our nodal account
  12. Payout Initiated - We have done the calculation for this transaction, and have sent the deducted amount (minus our percentage) to our Nodal bank to transfer to merchant in the NEFT file
  13. Payout Completed - We have received notification from Nodal Bank that the money has been transferred (via UTR file), and have verified against our transactions. the payout is now done
  14. Payout Error - There was a problem while paying out this money.
  15. Refund Initiated - The merchant has asked the bank to refund the money to the user. the Partner bank has approved this request
  16. Refund Paid Out - The MPR file the next day correctly shows the refund money has been deducted and gone to the user. it will reach user based on user's bank and card
  17. Refund Completed - The balance payout (through NEFT file) has been calculated after discounting the refund, and remaining amount sent to Nodal Bank. No more work needs to be done on the refund now
  18. Chargeback Initiated - The Partner bank has initiated a chargeback on user's request. the amount has been deducted from the total in the MPR file from the Bank
  19. Chargeback Processing - The remaining payout amount (less the chargeback) has been paid to the merchant (i.e. sent to Nodal Bank to process)
  20. Chargeback Accepted - The merchant accepts the chargeback, so he will not get the money back. this state is set by Zaakpay operations. [to be implemented]
  21. Chargeback Reverted - The merchant sent proof of the transaction to Zaakpay and bank, bank has accepted this, and returns the charged back amount in today's MPR file
  22. Chargeback Cancelled - The given back money has been sent to the merchant along with today's NEFT file to Nodal Bank
  23. Partial Refund Initiated - The merchant has asked the bank to refund the partial money to the user. the Partner bank has approved this request
  24. Partial Refund Paid Out - The MPR file the next day correctly shows the Partial refund money has been deducted and gone to the user. it will reach user based on user's bank and card
  25. Partial Refund Completed - The balance payout (through NEFT file) has been calculated after discounting the Partial refund, and remaining amount sent to Nodal Bank. No more work needs to be done on the Partial refund now

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