Resources · 159 pages
The payments library
Every guide on this site, in one place: how each payment product works in India, how payments play out by industry, honest comparisons, explainers, and reference pages. Where a guide states a rule, it links to the official source.
Product guides
How each product works, who provides it and what to check. Where a product depends on a regulated partner, the guide says so.
Collect Payments
Taking money from customers: online, at the counter, by link, by mandate.
- Payment GatewayOne API, every payment method
- UPI & QR / SoundboxCollect online, in-store, and on the go
- NACH / eNACHMandate-based recurring debit for EMIs & premiums
- Subscription PaymentsRecurring billing for SaaS & membership businesses
- Collection APIBuild your own checkout, our API underneath
- Payment LinksGet paid without a website
- Payment PagesOne hosted page to collect from many payers
- Refund APIProcess refunds without the back-and-forth
- WhatsApp PaymentsCollect payment inside the chat
- One Click CheckoutFewer steps for returning customers
- Card TokenisationRBI-mandated card-on-file security
- POS & Card MachinesCard-present payments for every counter
- Shopify IntegrationAdding a payment provider to Shopify
- WooCommerce IntegrationGateway plugins for self-hosted stores
- Magento IntegrationPayment modules for Adobe Commerce
- Wix IntegrationTaking payments on a builder site
Banking & Payouts
Paying people and moving money between accounts.
- PayoutsSend money to any bank account or UPI ID
- Bulk PayoutMany payouts from one file or request, tracked row by row
- Vendor PaymentsPay suppliers against approved invoices, safely
- Salary PaymentsGet net pay into every account on payday
- Virtual AccountsOne account number per customer, so transfers match
- Current AccountHow business current accounts work
- SettlementFrom collected to reconciled, automatically
- Prepaid CardsHow prepaid card programmes work
Recharge & Bill Payments
Recharges, bill payments and tolls.
Verification & KYC
Checking people, businesses and bank accounts before money moves.
- KYC & Identity VerificationLayered identity checks for onboarding
- Bank Account VerificationConfirm an account before you pay it
- Penny Drop VerificationConfirm a bank account with a real ₹1 transfer
- Penny-less VerificationCheck bank accounts without moving money
- PAN VerificationCheck a PAN and the name behind it
- Aadhaar VerificationConsent-driven identity checks
- KYB — Business VerificationConfirm the legal entity is real, not just the person
- GST VerificationCheck a GSTIN’s status and legal name
Lending & Financial Services
Credit, cards and financial products, and who provides them.
Enterprise Infrastructure
Infrastructure for platforms, marketplaces and large businesses.
Global Payments
Money crossing borders, in and out.
Industry guides
How payments work in sixteen sectors, from fees and deposits to cross-border trade.
- Global E-commerce & Cross-Border D2CSelling abroad from India
- International MarketplacesMulti-seller collection & payouts
- NBFCs & LendingDisbursals & EMI collection
- Global EnterprisesMany units, providers & accounts
- Startups & SaaSSubscriptions that renew
- HealthcarePatient billing & insurance collections
- Education & EdTechFee collection & course billing
- Travel & HospitalityBookings, cancellations & global guests
- Logistics & TransportationFreight, COD & driver payouts
- InsurancePremium collection & claim settlement
- Real EstateRent, booking & milestone payments
- BFSIInvestments, mandates & payouts
- Freelancers & Individual BusinessesInvoices, links & clients abroad
- Export & Import TradeTrade terms, banks & records
- Gaming & Digital EntertainmentSubscriptions & the 2025 Act
- Inbound Travel to IndiaAccept payments from global travelers
Reference
- India's payment rails comparedUPI, IMPS, NEFT, RTGS, NACH, cards, BBPS and NETC side by side
- RBI rules for merchantsThe directions this site cites, what each covers, and where it's explained
- Settlement holidaysWhy settlement still follows working days
- GlossaryPayment terms in plain language
- CalculatorsGST, EMI, CAGR and an invoice generator
- Merchant onboardingSteps, documents and website checks
Comparisons
Approaches compared honestly, including when the other option is the better one.
Explainers
- UPI vs. Cards: What Should Merchants Prioritise?
- A Founder's Checklist for Choosing a Payment Gateway
- RBI's Payment Aggregator Regulations, Explained for Merchants
- What Is a Technology Service Provider (TSP), and Why Does It Matter?
- The Merchant Onboarding Checklist
- Smart Routing 101: How Payment Routing Decisions Work
- What Is BBPS? Bharat Bill Payment System and Bharat Connect Explained
- NACH vs. eNACH: Choosing the Right Recurring Payment Mandate
- Going Cross-Border: What a Payment Corridor Means for Merchants
- Building Payment Infrastructure That Scales With You
- Payment Reconciliation Explained: Gateway Settlements and the Three-Way Match
- QR & Soundbox: Making Offline Retail Payments Instant
- MDR Explained: What Merchants Pay on UPI, Cards and RuPay, and What Changes on 15 October 2026
- Payment Gateway vs Payment Aggregator: Where the Money Actually Sits
- Payment Gateways for Small Businesses and Individuals: What You Can Get Without a Company
- Money Debited but the Payment Failed: When It Comes Back and What to Do
- Chargebacks: Why They Happen and How to Answer One
- Moving Customers From Cash on Delivery to Prepaid
- UPI Transaction Limits in India: Per Payment, Per Day and by Category
- How to Cancel UPI AutoPay, and Stop a Debit Before It Happens
- What Is AePS? How Aadhaar Enabled Payments Work
- DigiLocker Verification: How Businesses Check Documents With Consent
- RRN vs UTR vs Transaction ID: Which Payment Reference Do You Need?
- NACH Bounce: Charges, Consequences and What to Do Next
- FASTag Annual Pass: Price, Rules and Whether It Pays Off for You
- Domestic Money Transfer (DMT) in India: How It Works and RBI's Rules
- UPI Lite Explained: Limits, How It Works and When to Use It
- UPI Payment Pending: Why It Happens and What to Do Next
- UPI Payment Successful, but the Merchant Says It Never Arrived
- What Is a UPI ID? How to Find, Create and Use One Safely
- How to Change or Reset Your UPI PIN, Including If You've Forgotten It
- UPI QR Code for Business: Static or Dynamic, and Which One You Need
- Payment Gateway for E-commerce: How Online Store Payments Actually Work
- Payment Gateway vs Payment Processor vs Payment Aggregator: Who Does What
- Online Payment Failed? Where Payments Break, and What Happens to Your Money
- How Online Card Payments Work: Authorization, Capture, Settlement and Refunds
- Payment Gateway for Freelancers and Service Businesses: How to Get Paid Online
- UPI AutoPay Explained: How Recurring UPI Payments Work
- UPI International: Paying Abroad, NRI Numbers and Visitors Paying in India
- UPI Disputes and Chargebacks: Wrong Payments, Failed Debits and Merchant Problems
- UPI Fraud: Common Scams, Warning Signs and What to Do in the First Hour
- Payment Gateway Integration: Hosted Checkout, Redirect or API?
- Payment Gateway Security: What Protects a Payment, and What's Your Job
- 3D Secure Explained: The OTP Step in Online Card Payments
- Payment Gateway Webhooks: Receive, Verify and Never Miss a Payment Update
- Payout Pending or Processing: Why Bank Transfers Get Stuck and What to Do
- IMPS vs NEFT vs RTGS vs UPI: Which Bank Transfer Should You Use?
- Payment Declined: What Decline Reasons Mean and What to Do Next
- What Is UPI? A Complete Beginner's Guide to India's Instant Payments
- UPI Transaction Failed: Why It Happens and What to Do Next
- UPI Payment Reversed: What a Reversal Means and When Your Money Comes Back
- UPI PIN Explained: What It Is, How It Works and Common Problems
- Mobile Recharge Online: How to Recharge Your Phone Safely
- Mobile Recharge Failed but Money Deducted? How to Check Status and Get a Refund
- Prepaid vs Postpaid: What's the Difference and Which Should You Choose?
- How a Mobile Recharge API Works: Requests, Operator Responses and Transaction Status
- How to Pay Your Electricity Bill Online: Step-by-Step Guide
- Electricity Bill Payment Failed or Not Updated: What to Do
- FASTag Recharge Online: How to Recharge and Check Your Balance
- FASTag Recharge Failed, Pending or Not Updated? Plus Double Toll Deductions
- FASTag Blacklisted: What It Means, Why It Happens and How to Fix It
- Payment Gateway Charges in India: How to Read a Pricing Sheet
- Payment Link vs Payment Gateway: Which Should Your Business Use?
- How a Payout API Works: Business Payouts in India, From Request to UTR
- IMPS Transaction Pending: What It Means and When Your Money Comes Back
- Bank Transfer Failed? IMPS, NEFT and RTGS Troubleshooting Guide
- Duplicate Payments: Why Customers Get Charged Twice and How to Prevent It
- Payment API Timeouts: What to Do When You Don't Know If a Payment Went Through
- Payment Success Rate: How to Measure It Without Fooling Yourself
- Payment Gateway Down? An Incident Runbook for the First Hour and After
- Payments on Sale Day: Rate Limits, Load Tests and Fallbacks Before Peak Traffic
- Payment API Versioning: Changing an API Without Breaking Integrations
- Payment Orchestration Architecture: The Components and How a Payment Flows Through Them
- Evaluating a Payment Orchestration Platform: The Questions to Ask Before You Sign
- Switching Payment Gateways: A Migration Plan That Doesn't Lose Payments
- Double-Entry Ledgers for Payments: Designing the Books Behind Your Money Flows
- How to Store Money in Code and Databases: Minor Units, Rounding and Currencies
- Exactly-Once Payment Processing: Outboxes, Retries and Idempotent Consumers
- Interchange++ vs Blended Pricing: How Card Processing Fees Are Built
- Local Acquiring Explained: When Processing Cards in the Customer's Country Helps
- What Is a BIN? Card BIN (IIN) Numbers, 8-Digit BINs and How Payments Use Them
- ISO 20022 Explained: The Payment Message Standard, From pain.001 to camt.053
- Multi-Currency Payments: Presentment, Settlement and Where Currency Conversion Happens
- PCI DSS SAQ Types: How Your Checkout Design Sets Your Compliance Scope
- How Net Banking Payments Work: From Bank Redirect to Confirmation
- Merchant Category Code (MCC): What It Is and Why It Matters for Payments