Insights · Page 4 of 10

The LILPE Blog

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

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Cover for a guide following an online card payment from checkout to settlement

How Online Card Payments Work: Authorization, Capture, Settlement and Refunds

Paying by card online feels like one step. Behind it are at least four: authentication, authorization, capture and settlement, with refunds, reversals and chargebacks as the ways back. Here's what happens at each stage, who does it, what it looks like on your statement, and what a merchant needs to reconcile.

7 October 2026 · 8 min read

Cover for a guide to how freelancers and service businesses get paid online in India

Guides

Payment Gateway for Freelancers and Service Businesses: How to Get Paid Online

Selling your time is paid for differently from selling products: quotes, advances, milestones, retainers, invoices, and clients who may be a family, a company or a business abroad. Here's which payment tool fits each of those moments, how to get paid by clients outside India, the GST basics for service providers, and what to set up first.

7 October 2026 · 10 min read

Cover for an explainer on how UPI AutoPay mandates and recurring UPI debits work

UPI

UPI AutoPay Explained: How Recurring UPI Payments Work

UPI AutoPay lets a merchant debit your bank account on a schedule you approve once in your UPI app. How a mandate is set up, what you're told before each debit, when your UPI PIN is still needed, the controls you keep, and what a business has to build to collect this way.

7 October 2026 · 10 min read

Cover for a guide to using UPI abroad, for NRIs and for international visitors to India

UPI

UPI International: Paying Abroad, NRI Numbers and Visitors Paying in India

UPI now works well beyond India's borders, in four different ways: Indians paying at shops abroad, visitors paying Indian merchants, NRIs using UPI on international mobile numbers, and cross-border remittances. Which countries NPCI lists for each, how to switch it on, what it costs, and what to check before you travel.

7 October 2026 · 9 min read

Cover for a guide to UPI disputes, chargebacks and recovering money from wrong payments

UPI

UPI Disputes and Chargebacks: Wrong Payments, Failed Debits and Merchant Problems

How you get money back on UPI depends on what went wrong: a failed debit, a merchant that didn't deliver, a payment to the wrong person, or a payment you never made. Which process applies to each, how a UPI complaint becomes a chargeback, the timelines banks work to, and how to escalate.

7 October 2026 · 12 min read

Cover for a guide to spotting UPI scams and recovering money after UPI fraud

UPI

UPI Fraud: Common Scams, Warning Signs and What to Do in the First Hour

Most UPI fraud doesn't break UPI; it talks you into approving a payment. The scams that work, the one rule that defeats most of them, what to do in the first hour if money has gone, and how RBI's liability rules decide whether you get it back.

7 October 2026 · 9 min read

Cover for a guide comparing payment gateway integration methods: redirect, hosted, embedded and API

Platform

Payment Gateway Integration: Hosted Checkout, Redirect or API?

There are four common ways to put a payment gateway into a website or app, from a redirect you can set up in an afternoon to a full API integration your developers own. How each one works, what it means for your security and PCI DSS scope, the steps every integration shares, and how to test before going live.

7 October 2026 · 11 min read

Cover for a guide to payment gateway security, PCI DSS and a merchant's security responsibilities

Compliance

Payment Gateway Security: What Protects a Payment, and What's Your Job

A payment is protected by layers: the customer's bank, the card networks' standards, your provider's controls under RBI's rules, and your own website and team. What each layer does, what RBI requires of payment aggregators, the attacks that target merchants, and a practical security checklist for your business.

7 October 2026 · 9 min read

Payments

3D Secure Explained: The OTP Step in Online Card Payments

3D Secure is the step between entering your card details and the payment going through, where your bank checks it's really you, usually with an OTP. How it works, frictionless and challenge flows, what RBI's 2025 authentication rules require, the new check on overseas websites, and why the step fails.

7 October 2026 · 8 min read

Showing 28–36 of 85 articles

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