Our Role as a Technology Service Provider (TSP)
ZestPe Business (operated by QuiqPe Private Limited, CIN: U62012DC2026PTC469342) operates strictly as a Technology Service Provider (TSP) and software workflow platform. ZestPe provides technology integration, merchant dashboards, invoicing, reconciliation and reporting software in partnership with RBI-regulated banks and authorised payment service providers.
ZestPe is not a bank, NBFC, RBI-authorised Payment Aggregator (PA), Prepaid Payment Instrument (PPI) issuer, UPI TPAP or credit bureau, and never holds, pools, escrows or settles customer or merchant funds.
Payment Acceptance & UPI Workflows
All payment collection, UPI QR, payment link and checkout transactions are acquired, processed and settled directly by RBI-authorised Payment Aggregators, sponsor banks and payment networks under direct merchant onboarding and KYC approval. ZestPe provides only the technical interface, order reference mapping and status reporting layer.
Virtual Accounts & Collections
Virtual account numbers and collection identifiers are issued and maintained directly by partner banks. Incoming NEFT, RTGS, IMPS and UPI credits flow directly through the regulated banking channel according to the partner bank's arrangement; ZestPe provides only the software matching and reconciliation view.
Payouts & Connected Banking
Business disbursements and connected banking workflows are executed directly through partner banks and authorised banking APIs from the merchant's approved bank or partner account. ZestPe acts solely as a technical instruction and reporting conduit and never disburses funds from its own accounts.
Bill Payments
Where business bill-payment workflows are enabled, transactions are routed exclusively through an authorised Bharat Connect (BBPS) Operating Unit and partner bank arrangement.
Transparency & Partner Onboarding
Before any regulated payment or banking workflow is activated for a merchant, the identity, regulated role, KYC requirements and commercial terms of the underlying partner bank or authorised payment provider are disclosed to the merchant for direct onboarding and consent.