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ZiPago

Name: ZiPago
Price: 12 PEN

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What ZiPago is

ZiPago Comercio is a web service for merchants receiving payments through virtual banking channels. Enabled banks are BCP, Interbank, BanBif, and BBVA, using their applications or websites. Payers authenticate with their own banks and do not need a ZiPago account. Merchant registration and affiliation are free, while ZiPago charges a commission for each confirmed payment, including IGV. Listed sole charges are S/ 3.00 up to S/ 500.00, S/ 6.00 up to S/ 1,000.00, S/ 9.00 up to S/ 2,500.00, and S/ 12.00 up to S/ 3,000.00. The listed BCP charge for payments up to US$ 500.00 is US$ 2.00; other dollar commissions vary by bank and range. Funds are stated to arrive within 24 hours on business days. Merchants need active SUNAT registration and approval, and customers use their own devices instead of merchant POS equipment.

Who it suits

ZiPago suits people and legal entities in Peru with active SUNAT registration that meet its approval and restricted-activity rules. It is intended for merchants accepting online bank-channel payments.

What it does well

Free online merchant registration
Supports BCP, Interbank, BanBif, and BBVA
Payers need no ZiPago registration
Funds available within 24 business hours
No POS equipment purchase required

What to know first

Active SUNAT registration is required
ZiPago charges each confirmed payment
Monthly reference limits apply
Service does not guarantee error-free availability

Plans

Plan	Billed and limits	Price
Zipago Comercio — pagos hasta S/ 3,000.00	S/ 12.00 por pago confirmado; incluye IGV · Pagos de hasta S/ 3,000.00	12 PEN, paid once
Zipago Comercio — pagos hasta US$ 500.00	BCP: US$ 2.00 por pago confirmado; incluye IGV. La tabla también distingue “Otros Bancos”, pero no muestra su comisión en el texto accesible. · Pagos de hasta US$ 500.00	$2, paid once
Zipago Comercio — pagos hasta S/ 500.00	S/ 3.00 por pago confirmado; incluye IGV · Pagos de hasta S/ 500.00	3 PEN, paid once
Zipago Comercio — pagos hasta S/ 1,000.00	S/ 6.00 por pago confirmado; incluye IGV · Pagos de hasta S/ 1,000.00	6 PEN, paid once
Zipago Comercio — pagos hasta S/ 2,500.00	S/ 9.00 por pago confirmado; incluye IGV · Pagos de hasta S/ 2,500.00	9 PEN, paid once

As zipago.pe lists them, read 9 Oct 2026. The maker's own page has the final word.

Verdict

ZiPago provides bank-channel payment collection without requiring merchants to buy POS hardware. Its suitability depends on eligibility, supported banks, transaction commissions, and stated monthly reference limits.

Facts from ZiPago's own pages

Abonos: La página de inicio indica que el dinero está disponible en 24 horas, solo en días hábiles. · zipago.pe, 9 Oct 2026
Afiliación: El registro y la afiliación de comercios se realizan electrónicamente a través del portal web y son gratuitos. · zipago.pe, 9 Oct 2026
Bancos habilitados: Los términos indican que están habilitados BCP, Interbank, BanBif y BBVA. · zipago.pe, 9 Oct 2026
Canales de pago: Los pagos se realizan por canales virtuales de las entidades bancarias, como sus aplicaciones y páginas web. · zipago.pe, 9 Oct 2026
Conciliación: Los bancos envían a ZiPago archivos de conciliación al final del día o al día siguiente, según el banco. · zipago.pe, 9 Oct 2026
Dollar commissions: For payments in dollars, the listed commissions vary by payment range and whether the bank is BCP or another bank, from US$ 1.00 to US$ 4.00. · zipago.pe, 8 Oct 2026
Eligibility and limits: People and businesses with an active SUNAT registration may apply; monthly reference limits are S/ 20,000 and US$ 5,000 for individuals, and S/ 100,000 and US$ 25,000 for legal entities, subject to change. · zipago.pe, 8 Oct 2026
Equipment: The homepage says merchants do not need to buy POS equipment because customers use their own phones and devices. · zipago.pe, 8 Oct 2026
Equipo necesario: La página de inicio dice que el servicio no requiere comprar equipos POS y que los clientes usan sus propios celulares y equipos. · zipago.pe, 9 Oct 2026
Headquarters: San Isidro, Lima, Peru · zipago.pe, 28 Sept 2026
Intended users: The terms say natural persons and legal entities with active SUNAT registration may enroll, subject to ZiPago’s restricted-activity rules and approval. · zipago.pe, 8 Oct 2026
Límites mensuales: Los términos señalan límites referenciales mensuales de S/20,000 y US$5,000 para personas naturales, y S/100,000 y US$25,000 para personas jurídicas. · zipago.pe, 9 Oct 2026
Payer access: Payers do not need to register with ZiPago and are identified and authenticated by their banks. · zipago.pe, 8 Oct 2026
Payment channels: The currently enabled virtual payment channels are BCP, Interbank, BanBif, and BBVA. · zipago.pe, 8 Oct 2026
Payout timing: The homepage says merchants receive funds within 24 hours on business days. · zipago.pe, 8 Oct 2026
Pricing: The maker says merchant registration is free; it charges per confirmed payment, with commissions including IGV. · zipago.pe, 8 Oct 2026
Protección de datos: Los términos indican que la información del comercio no se comparte con entidades externas salvo consentimiento o excepciones como obligaciones legales y proveedores de soporte. · zipago.pe, 9 Oct 2026
Requisito de elegibilidad: Los comercios deben tener inscripción vigente en SUNAT con estado activo. · zipago.pe, 9 Oct 2026
Rubros restringidos: El anexo excluye, entre otros, casinos, apuestas, criptomonedas, armas, fintech, empresas extranjeras no domiciliadas y organizaciones sin fines de lucro. · zipago.pe, 9 Oct 2026
Security and privacy: ZiPago says it validates merchant identity and information during enrollment, monitors transactions, and uses technology to protect merchant information; its terms do not guarantee uninterrupted, error-free service. · zipago.pe, 8 Oct 2026
Seguridad y disponibilidad: Los términos dicen que ZiPago emplea recursos tecnológicos para proteger información, pero no garantiza un servicio libre de errores o fallos. · zipago.pe, 9 Oct 2026
Service: ZiPago Comercio provides a way for merchants to receive payments through banks’ virtual collection services. · zipago.pe, 8 Oct 2026
Servicio: ZiPago Comercio facilita la recepción de pagos para comercios mediante los servicios de recaudo bancario. · zipago.pe, 9 Oct 2026
Soles commissions: For payments in soles, the listed commission is S/ 3.00 up to S/ 500.00, S/ 6.00 up to S/ 1,000.00, S/ 9.00 up to S/ 2,500.00, and S/ 12.00 up to S/ 3,000.00. · zipago.pe, 8 Oct 2026

Where ZiPago stands on Freedom251

Payment Processing Software#67 of 71