ZiPago review
A focused web service for collecting and reconciling bank-channel payments in Peru.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
ZiPago is a web-based payment-collection service for businesses in Peru. Merchants register through its portal and receive payments through virtual banking channels operated by BCP, Interbank, BanBif and BBVA. The service supports collections in soles and U.S. dollars, confirms incoming payments, deducts transaction commissions and deposits funds into a registered merchant bank account. It is best suited to Peruvian businesses whose customers already pay through affiliated online banking channels and who need a focused collection and reconciliation workflow.
The pricing model is transaction-based rather than organized around recurring platform subscriptions. Published plans group soles payment fees by payment amount, while dollar payment fees vary by payment amount and, for some transactions, by receiving bank. The listed fees include applicable taxes. Registration is free, but merchants pay transaction fees when collecting payments. This structure may suit businesses that prefer costs tied to payment activity, while merchants seeking recurring billing or a broader payment platform may need a different fit.
ZiPago’s strongest operational value is its bank-channel workflow: payment confirmation, reconciliation, merchant payment and deposit-status queries, deposits to registered accounts, emailed transaction-fee invoices and a support ticket system are included in the service description. The published terms identify daily payouts in the category specifications, while the homepage states that funds are available within 24 business hours. Its narrow focus is also the main limitation. ZiPago is web-only, does not support in-person payments, and centers on affiliated bank channels rather than broader payment methods. Choose it for bank-based collections in Peru; consider alternatives if you need payment links, recurring payments or wider channel coverage.
ZiPago pros and cons
- Where it wins
- Collects payments through BCP, Interbank, BanBif and BBVA
- Supports payment confirmation, reconciliation and deposit tracking
- Handles soles and U.S. dollar collections with daily payouts
- Where it doesn't
- Web-only access limits use outside the browser
- Does not support in-person payments
- Focused on bank channels rather than recurring payments or payment links
ZiPago fact sheet, pricing and score →
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