Resources · 100 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
- BBPS Explained: What Bharat Bill Payment System Means for Your Business
- 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, Demystified
- 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: Which Payment Reference Number 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