Insights · Page 3 of 10

The LILPE Blog

Payments, compliance, and merchant onboarding — explained by the team building LILPE's payment orchestration platform.

All Articles

Cover for an explainer on merchant category codes (MCC) and why they matter

Merchant Category Code (MCC): What It Is and Why It Matters for Payments

Every card and UPI merchant carries a four-digit merchant category code that says what kind of business it is. That code affects fees, transaction limits, whether some cards work at all, customers' rewards and how risky a business looks. What an MCC is, who assigns it and by what rules, examples, why it matters in India, and what to do if yours is wrong.

9 October 2026 · 6 min read

Cover for a guide explaining why a UPI payment shows pending and what to do

UPI

UPI Payment Pending: Why It Happens and What to Do Next

A pending UPI payment hasn't failed. It means your app is still waiting to hear how the payment ended. Here's what's happening behind the screen, how long it usually takes to settle either way, when to pay again and when not to, and when it's time to complain.

7 October 2026 · 10 min read

Cover for a guide on UPI payments that show successful but haven't reached the merchant

UPI

UPI Payment Successful, but the Merchant Says It Never Arrived

Your app says successful. The shop or website says it hasn't been paid. Usually both are telling the truth: the money has moved, but not to the place the merchant is looking, or not yet. Here's how to work out where it is, what each side should check, and how to settle it without paying twice.

7 October 2026 · 9 min read

Cover for a beginner's guide to UPI IDs, UPI numbers and how to use them

UPI

What Is a UPI ID? How to Find, Create and Use One Safely

A UPI ID is the address people use to pay you, so you never have to share your account number. Here's what one looks like, how it differs from a UPI number and a bank account number, where to find yours, how to create another, and the few rules that keep it safe.

7 October 2026 · 8 min read

Cover for a guide on changing or resetting a UPI PIN

UPI

How to Change or Reset Your UPI PIN, Including If You've Forgotten It

Changing your UPI PIN needs the old one; resetting it doesn't. Here's the difference, the verification methods UPI allows (debit card, Aadhaar OTP and Aadhaar face authentication), what happens to fingerprint or face payments when you reset, the errors people run into, and how to keep the PIN safe.

7 October 2026 · 8 min read

Cover for a guide comparing static and dynamic UPI QR codes for businesses

UPI

UPI QR Code for Business: Static or Dynamic, and Which One You Need

A printed QR on the counter and a QR generated for every bill both take UPI payments, but they behave very differently when it comes to amounts, matching payments to sales and fraud. Here's how each works, what NPCI's rules require, and which one fits a shop, a website, a delivery business or a service provider.

7 October 2026 · 10 min read

Cover for a guide to how payments work in an online store, from checkout to settlement

E-commerce

Payment Gateway for E-commerce: How Online Store Payments Actually Work

Between "Place order" and the money landing in your bank, an online store payment goes through checkout, authentication, a webhook, settlement and, sometimes, a refund. Here's the whole lifecycle from a store owner's side, what changes by payment method, hosted checkout versus API integration, and what to check before you choose a provider.

7 October 2026 · 10 min read

Cover for a guide explaining payment gateways, processors, aggregators and acquirers

Payments

Payment Gateway vs Payment Processor vs Payment Aggregator: Who Does What

Gateway, processor, aggregator, acquirer: four words that get used as if they mean the same thing. They don't. One moves data, one moves messages between banks, one holds your money for a while, and one is the bank behind all of it. Here's what each does in an Indian card or UPI payment, and which ones you actually sign a contract with.

7 October 2026 · 7 min read

Payments

Online Payment Failed? Where Payments Break, and What Happens to Your Money

A failed online payment can break in five different places: your phone, the merchant's checkout, the payment provider, the network between banks, or your own bank. Each leaves different clues and needs a different fix. Here's how to tell which one you've hit, what each error usually means, and when it's safe to try again.

7 October 2026 · 8 min read

Showing 19–27 of 85 articles

Have a payments question the blog hasn't covered?

Ask our team directly — we're happy to walk through your specific setup.

Talk to Us