Insights · Page 8 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 on converting cash on delivery orders into prepaid payments

Moving Customers From Cash on Delivery to Prepaid

Cash on delivery sells, but it costs more than the courier's COD fee: returned orders, double shipping and cash that arrives late. How to work out what COD really costs you per order, and the tactics that move customers to prepaid without losing the sale.

28 September 2026 · 12 min read

Cover for a guide to UPI transaction limits per payment, per day and by merchant category

Payments

UPI Transaction Limits in India: Per Payment, Per Day and by Category

UPI's standard limit is ₹1 lakh per payment, but some merchant categories go up to ₹5 lakh, AutoPay has its own caps, and your bank can set lower limits than any of these. What the current NPCI and RBI limits are, and why a payment can fail well below them.

28 September 2026 · 10 min read

Cover for a guide on cancelling UPI AutoPay mandates and stopping recurring debits

Payments

How to Cancel UPI AutoPay, and Stop a Debit Before It Happens

Cancelling a subscription doesn't always cancel the UPI mandate behind it. How to find every active AutoPay mandate on your account, the difference between pausing and revoking, how to skip a single debit, and what to do if money is taken after you cancelled.

28 September 2026 · 10 min read

Banking

What Is AePS? How Aadhaar Enabled Payments Work

AePS lets anyone with an Aadhaar-linked bank account withdraw cash or check a balance at a local banking agent, using a fingerprint instead of a card or PIN. How a transaction flows, who is involved, how it compares with ATMs and UPI, what happens when it fails, and how to protect yourself.

28 September 2026 · 10 min read

Cover for a guide on verifying customer documents through DigiLocker with consent

Verification

DigiLocker Verification: How Businesses Check Documents With Consent

A document fetched from a customer's DigiLocker, with their consent, comes straight from the issuer, so it can't be a doctored scan. How DigiLocker verification works, issued versus uploaded documents, where it has legal standing, what to check once you have the document, and when it won't work.

28 September 2026 · 10 min read

Cover for an explainer comparing UTR, RRN and transaction ID payment references

Payments

RRN vs UTR vs Transaction ID: Which Payment Reference Do You Need?

UPI apps call it a UPI reference, UTR or RRN; bank statements say UTR; card slips say RRN; merchants and payment gateways quote their own transaction IDs. What each reference is, who creates it, how an RTGS UTR is built, where to find them, which one to quote in a complaint, and how businesses use them to reconcile payments.

28 September 2026 · 11 min read

Cover for a guide on NACH and EMI debit bounces, charges and what to do next

Banking

NACH Bounce: Charges, Consequences and What to Do Next

When an EMI or other NACH debit bounces, you can face two charges, a mark on your credit history and, in some cases, legal action. What happens after a bounce, who can charge you what under RBI's rules, what Section 25 of the Payment and Settlement Systems Act says, and how to limit the damage.

28 September 2026 · 10 min read

Cover for a guide to the FASTag Annual Pass price, rules and break-even calculation

Payments

FASTag Annual Pass: Price, Rules and Whether It Pays Off for You

The FASTag Annual Pass costs ₹3,075 for 2026–27 and covers up to 200 crossings of National Highway toll plazas in a year. Who can buy it, how trips are counted, where it doesn't work, and a simple way to work out whether it saves you money.

28 September 2026 · 9 min read

Banking

Domestic Money Transfer (DMT) in India: How It Works and RBI's Rules

Domestic money transfer lets someone without a bank account, or away from their own bank, send money by handing cash to a banking agent. How it works, the ₹5,000 and ₹25,000 limits, what RBI changed from 1 November 2024, and what senders and agents should check.

28 September 2026 · 10 min read

Showing 64–72 of 85 articles

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