Zappay is a wallet for small merchants to receive money from their customers digitally using their phone numbers and unique QR codes. This app was built using the IONIC framework and a NodeJS backend. The merchant contains a different version of the app that contains a unique QR code that the customer scans using his version of the app and proceeds to pay the merchant using many wallets (payTM, RazorPay, etc). The user can also pay using his Credit/Debit Card. The merchant receives the notification instantly as the money gets transferred.