ECommerce Case Study - Zaigo's Paygiv Platform

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Empowering Charity | Through E-commerce

Zaigo Infotech crafted Paygiv, a unique platform that combines e-commerce with philanthropy. It allows users to buy gift cards, earn cashback, and donate a portion of their earnings to charity—all within a digital wallet.

About The Client

Paygiv offers a wide range of gift card options to purchase from the platform. It helps you earn cashback on all the purchases made by your gift card and you can choose to contribute the cashback completely to your preferred charity or a part of your earned cashback to the charity.

Paygiv helps the charity receive donations directly from the users based on the value and time frame they have planned to donate. The gift cards purchased from Paygiv can be used online or in-person as well and it currently supports gift cards of 400+ leading brands in the US. The cashback earned can be converted to cash and used on the purchases.

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Project Background

Paygiv, an Charity-backed platform, was created to deliver mutual benefits to consumers and charity organizations alike. The platform enables users to make purchases that not only benefit them but also support their chosen causes through charitable donations.

Goal

The objective was to develop a user-friendly mobile application for iOS and Android, allowing users to purchase gift cards through an integrated payment gateway. After purchasing a gift card, users are rewarded with cashback points that will be stored in an e-wallet, and at the same time a percentage of that amount will be donated to a charity.

In the application, the user has the option to choose a charity and depending on the user's selection the specific charity will receive a percentage of the amount each time a gift card is purchased by the user.

The application also supports direct fund donations. Users will have to choose an NGO from the displayed list and be able enter the desired amount to donate. They can also select whether it is a one-time donation or is a recurring donation, where funds will be donated every month based on the amount specified.

By using an integrated payment gateway, users can make donations or purchase gift cards. The application uses a Tilled payment gateway, which supports purchases via credit cards and ACH bank transfers. The entire platform is managed by a backend administrator, who handles tasks such as setting the cashback percentage and adding charities.

Project Timeline

The overall time frame for the development of the project was 30 weeks.

Challenges

Payment Provider Issues

One of the primary challenges encountered was that payment providers were hesitant to approve the platform’s transactions due to the high volume of cashback associated with each purchase. This raised concerns about fraud and the sustainability of such high cashback percentages.
User Verification

Ensuring the validity of users was a key concern. Paygiv needed to verify if a user was legitimate and based in the United States before permitting purchases or donations. To address this, we integrated a 3rd party API for user verification using the demographic details provided.
Mobile Wallet Integration

Seamlessly integrating the user's bank account with the wallet for efficient cashback management and donation transfer posed a technical challenge.

Solution Delivered

To address the challenges, Zaigo Infotech proposed the following solutions:

Prove API Integration

To solve the user verification issue, the “Prove API” was integrated into the platform. This API cross-references user registration data with national databases, ensuring that only legitimate American citizens could use the service, thus reducing fraudulent activity.
Payment Gateway Integration

After multiple payment gateway trials, the Tilled payment gateway was incorporated to handle transactions via credit card or ACH bank transfers. This solution facilitated smooth transactions, despite concerns over cashback-related issues.
Mobile Wallet Functionality

The platform’s mobile wallet functionality was enhanced, enabling users to add their bank account details and integrate them seamlessly for easy cashback management and donation tracking.

Our Work-Flow

At Zaigo Infotech, we prioritize systematic workflows to deliver efficient, high-quality outcomes:

Results & Achievements

Fraud Prevention

The integration of the Prove API drastically reduced fraudulent account registrations.

Smooth Payments

Users can now make payments via credit cards or ACH bank transfers through the Tilled payment gateway, ensuring a reliable and secure transaction process.

Dynamic Backend Control

The admin can dynamically configure cashback percentages and charity profits from the backend, enabling flexible management of donations.

Technology Stack

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