Onboarding a Payin User


Coming soon

Credit card and direct debit transactions within the UK are not yet available.

A payin user in Zai is a User who is paying for an Item. There are different sets of requirements for a user that acts as a payin user, versus a user that acts as a seller. A payin user must be onboarded before any money can be charged from an account. You may have known or unknown users who payin something on your platform. Payin users can be created in Zai at different times:

  • When the user signs up to your platform.
  • Immediately before they purchase something.
  • When payment account details are provided.

How it works


Required Information

There's a minimum set of information that's required to create a payin user. Passing as much information as possible will help create a strong user profile on your platform.


* Device IDs and IP addresses aren't required for a user until an item has been created and a card is charged.


Create a payin user

Use Create User to create your payin user within Zai. Pass the required information, along with any other additional information to create a strong user profile.

Attach a payment account

A payin user is defined by Zai as a User that makes a payment. To facilitate this, a payment account needs to be created in Zai. Use Create Credit Card if the payin user will be paying by credit/debit card. Use Create Bank Account and then Create Direct Debit Authority if the payin user will be paying by direct debit (AUS/NZ) or ACH (US).

Capture device information

Use Hosted Forms and Hosted Fields to capture the device information of your payin user. Passing this will support the analysis of the payin user's location compared to their payment account and will help determine if the credit card or bank account belongs to the payin user.

Note: We require the device ID to be captured only when an item has been created and a card is charged.

Make a payment

Use Make Payment to make a payment using the payment account created. In this call, you need to pass along the ID of the payment account created earlier, along with the Device ID and IP Address generated when the device information was captured.