ZPay is a mobile application (app) developed by Software Shop Limited (SSL Wireless). ZPay is the first and only Card-on-File platform in Bangladesh. It uses QR Code technology to send payments to businesses. Customers can use ZPay for storing multiple card data and make payments using any of them as and when needed without needing to reenter them during a transaction. A customer can initiate payment transactions from Merchant’s website or physical store using his/her ZPay app. In the ZPay app, it is integrated with the SSLCOMMERZ payment gateway, which is licensed by Bangladesh Bank as a Payment Systems Operator (PSO) and also compliant to PCI DSS v3.2 data security standard that is the highest rating for a payment service provider.
After installing ZPay in smartphone device, cardholders have no need to carry a number of debit/credit cards in their wallet. They can enter the Card data, including card number, name, etc. in ZPay app and keep those securely saved under their individual account. It is possible to save multiple cards in same account. While willing to make a payment, they will just select the card from which they want to pay. For example, while ordering products at merchant’s website, customer will find a QR Code that will include all payment information and amount. He/she will just scan the QR Code by ZPay and select the Card from which he/she wants to make the payment. The payment will be made instantly (after CVV input and OTP verification) and the customer will get notification and e-voucher at mobile and Email respectively. The ZPay app also authenticates the device owner through Pattern, PIN or Fingerprint verification