Insights · Page 7 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 comparing payment links with a payment gateway integration for businesses

Payment Link vs Payment Gateway: Which Should Your Business Use?

A payment link gets you paid with a URL you send by WhatsApp, SMS or email; a payment gateway integration builds payment into your website or app. Both use the same payment rails. How they differ in setup, automation, customer experience and reconciliation, which suits which business, and how to use links without inviting fraud.

7 October 2026 · 8 min read

Cover for a developer guide to how payout APIs send money to bank accounts in India

Platform

How a Payout API Works: Business Payouts in India, From Request to UTR

A payout API lets your systems send money to bank accounts and UPI IDs automatically: vendor payments, refunds, salaries, claims and seller settlements. How the pieces fit together, funding, beneficiary validation, choosing a rail, statuses and webhooks, failures and returns, controls, reconciliation and a test plan.

7 October 2026 · 9 min read

Cover for a guide to IMPS transfers stuck on pending and getting money back

Banking

IMPS Transaction Pending: What It Means and When Your Money Comes Back

IMPS is meant to be instant, so a transfer stuck on pending, or one that shows successful while the recipient sees nothing, is worrying. What pending means for an IMPS transfer, why it happens, RBI's next-day deadline for getting your money back, how to check the status with NPCI and your bank, and why you shouldn't send it again.

7 October 2026 · 6 min read

Cover for a troubleshooting guide to failed IMPS, NEFT and RTGS bank transfers

Banking

Bank Transfer Failed? IMPS, NEFT and RTGS Troubleshooting Guide

A bank transfer can be pending, failed, reversed, or successful on your side while the recipient sees nothing. A step-by-step decision tree for IMPS, NEFT and RTGS: what each status means, RBI's credit and return deadlines for each rail, the usual causes, and when and how to complain.

7 October 2026 · 6 min read

Cover for an explainer on merchant discount rate across UPI, debit cards and credit cards in India

Payments

MDR Explained: What Merchants Pay on UPI, Cards and RuPay, and What Changes on 15 October 2026

The merchant discount rate is the fee a business pays on each digital payment. Here's how it works for UPI, debit and credit cards, why some payments have carried zero MDR since 2020, and exactly what NPCI's new UPI MDR means from 15 October 2026.

28 September 2026 · 12 min read

Cover comparing how a payment gateway and a payment aggregator handle a merchant's money

Compliance

Payment Gateway vs Payment Aggregator: Where the Money Actually Sits

A payment gateway moves payment messages; a payment aggregator collects the money and settles it to you. That one difference decides who is regulated, who checks your business, who holds your funds and who you chase when a settlement is late.

28 September 2026 · 11 min read

Cover for a guide on payment options for small businesses and individual sellers in India

Guides

Payment Gateways for Small Businesses and Individuals: What You Can Get Without a Company

You don't need a private limited company to take digital payments. Here's what a proprietor or individual seller can actually get, what an aggregator will check, what each option costs after NPCI's October 2026 UPI change, and when to move up to a full gateway.

28 September 2026 · 10 min read

Cover for a guide on what to do when money is debited but a payment fails

Payments

Money Debited but the Payment Failed: When It Comes Back and What to Do

Your account was debited but the payment shows failed or pending. In most cases the money comes back on its own within a deadline RBI has set for your type of payment, and if it doesn't, the bank owes you ₹100 for every day of delay. Here's how to check, when to act and where to complain.

28 September 2026 · 10 min read

Cover for a merchant guide to chargebacks: the process, the evidence and prevention

Guides

Chargebacks: Why They Happen and How to Answer One

A chargeback is a customer disputing a card payment with their bank instead of asking you for a refund. Here's how the process runs, the reasons behind most disputes, the evidence that actually wins for different kinds of business, and when it's better not to fight.

28 September 2026 · 13 min read

Showing 55–63 of 85 articles

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