# https://www.cashfree.com/ llms-full.txt
## Fast Payment Solutions
A Payment Gateway Faster in Every Way
Faster Onboarding • Faster Payments • Faster Support
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Home%20page&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Home%20page&action=Contact%20Sales&button-id=ContactSales_Hero)
### 8,00,000+
Businesses served
### USD 80B+
Processed annually
### 600M+
Bank accounts served
Smooth Onboarding,
Seamless Payments, Instant Payouts
Shopify payments
Go live in under 5 minutes and accept payments using UPI, Cards, Net banking, BNPL, Wallets, EMI, COD etc. with plugin install.
[Learn More »](https://www.cashfree.com/shopify-payment-gateway-india/)
Website and app payments
Integrate quickly with a wide range of SDKs. RESTful APIs, plug-ins, support for all major platforms.
[Learn More »](https://www.cashfree.com/payment-gateway-india)
Social Media payments
Create and share payment links easily via SMS and email for your online brand and collect easy payments.
[Learn More »](https://www.cashfree.com/payment-links/)
International payments
Collect payments in over 100 currencies from customers worldwide.
[Learn More »](https://www.cashfree.com/accept-international-payments/)
Make Payouts
Send money instantly 24x7 to any bank, UPI, card, or wallet.
[Learn More »](https://www.cashfree.com/payouts/)
Verify Identity
Secure business from frauds and stay compliant with 360° identity verification.
[Learn More »](https://www.cashfree.com/kyc-verification/)
You're in Good Company
Trusted by 8,00,000+ Indian businesses
 FlowWise by Cashfree Payments is a game-changer! It seamlessly uses multiple payment gateways while maintaining a smooth checkout experience. Behind the scenes, it intelligently distributes the load, optimizes success rates, and ensures resilience with multiple bank routing configurations. Truly a powerhouse solution!
Pritish Varthak
Director (D2C), Pilgrim
 Cashfree Payouts ensures one of the highest transaction success rates in the industry, enabling faster, failure-free transfers to customers' bank accounts, building trust with zero delays.
Jitesh Gandhi
VP, Product Management at Unicards
 Switching to Cashfree Payments was a game-changer for us. Our card payment success rate jumped to 90% and UPI to 85%, way above the 70% industry average. They made handling compliance a breeze and always have our back with prompt, friendly support from their customer success team and relationship manager.
Varun Rustagi
Associate Director of Product Management, Heads Up For Tails
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Payment Solutions That Unlock Revenue for Scaling Businesses
Launch fast, scale as your business expands and boost revenue with our data powered growth tools and intelligent workflows.
#### Build a custom checkout that converts
Convert cart to order, 4X faster, with 100M+ verified addresses, 200+ discount options, secure OTP login, and multi-PG routing etc.
[Learn More »](https://www.cashfree.com/growth/one-click-checkout/)
#### Recover abandoned orders
Convert lost orders with exclusive offers by reaching customers on WhatsApp or SMS, letting them pick up right where they left off.
[Learn More »](https://www.cashfree.com/growth/one-click-checkout/)
#### Reduce RTO
Cut down RTO losses by 55% using intelligent COD masking for high RTO risk customers, add COD fee and set nudges to convert COD to prepaid.
[Learn More »](https://www.cashfree.com/growth/one-click-checkout/)
Trusted by Businesses.
Loved by Developers.
Customize our APIs to suit your business needs or build on our payments infrastructure.
Languages
[Check it out](https://www.cashfree.com/devstudio)
Integrations
Discover the range of integrations supported by our platform.
API Reference
Detailed documentation to help you integrate quickly.
Dev Studio
Test out your integrations and SDKs on our interactive developer playground.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### Why should I choose Cashfree Payments?
Cashfree Payments is India’s leading payments and API banking company. It helps 8,00,000+ businesses accept and send money and is used for multiple use cases like vendor payouts, wage payouts, bulk refunds, etc.
Cashfree Payments offers the widest range of solutions including API banking platform [Payouts](https://www.cashfree.com/payouts/) that helps businesses send money instantly 24x7 to any bank accounts, UPI ID, card, or wallet with a simple API that businesses can integrate with their product, instead of uploading complicated files on corporate banking portal.
Cashfree Payments also offers an advanced [payment gateway](https://www.cashfree.com/payment-gateway-india/) with features like [instant refunds](https://www.cashfree.com/instant-refunds/), [card-preauthorization](https://www.cashfree.com/preauthorization/), etc among other products.
Cashfree Payments is integrated with major platforms like [Shopify](https://www.cashfree.com/shopify-payment-gateway-india/), Paypal , Amazon Pay, Google Pay, and Ola money (wallet and postpaid both) among others.
### How to get started on Cashfree Payments?
We do 100% paperless onboarding for merchants on Cashfree Payments. Follow the below steps for quick account activation and start using Cashfree Payments in no time:
1\. [Create your account](https://merchant.cashfree.com/merchants/signup) on Cashfree Payments
2\. Update your business profile and upload scanned copies of business documents
3\. Choose the product you are interested in. You can switch to Test Environment and try out the product features and integrations using test API credentials. Once ready, you can switch to Production Environment.
4\. Once you create your account, our payment expert will call you in the next 24 working hours, share your business requirement and we will help you pick the right set of features.
5\. Once the account is verified, you will receive an account activation confirmation email. For more details refer to our [account activation guide](https://docs.cashfree.com/docs/activate-account).
### How long would it take to activate my account?
Once your documents are submitted for review, account gets activated with 24 working hours. Please refer to our [quick activation guide](https://docs.cashfree.com/docs/activate-account). You can also write to us at [care@cashfree.com](mailto:care@cashfree.com).
### How is Cashfree Payment Gateway different from other payment gateways in India?
[Cashfree Payment Gateway](https://www.cashfree.com/payment-gateway-india/) offers 180+ payment modes including Pay Later, Paytm, and Cardless EMI options etc. Cashfree Payment Gateway is the only payment gateway that supports [instant refunds](https://www.cashfree.com/instant-refunds/) versus the industry standard of refunds in 5-7 working days - this ensures Cashfree Payments merchants are able to delight their customers while running business operations smoothly.
### Can I start accepting international payments using Cashfree Payments?
Yes, it is possible to enable international payments on Cashfree Payment Gateway. You can talk to us and help us understand your business for quick activation. If you have a Paypal account, [connect Paypal to your Cashfree Payments account](https://docs.cashfree.com/docs/payment-gateway-dashboard#paypal) and start offering Paypal as a checkout option on the payment page instantly.
### What is Payouts?
[Payouts](https://www.cashfree.com/payouts/) by Cashfree Payments is a payment disbursal platform used by businesses to do bulk payouts. When you create a Payouts account, Cashfree Payments creates a virtual wallet for you. You can add funds from your bank accounts to the wallet and use the funds to do payouts. You can use the Payouts dashboard to do single or bulk payouts via excel upload or integrate Payouts APIs with your product or ERP to automate bulk payouts.
### Can I get tailored pricing for my business?
Yes, you can connect with our team to discuss your business requirement and get tailored pricing depending on the nature of your business and the volume of transactions. For more details, [contact us](https://www.cashfree.com/contact-sales/?source-action=Home%20page) or visit the [pricing page](https://www.cashfree.com/payment-gateway-charges/).
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Ready to Get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Home%20page&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092352601&cv=11&fst=1744092352601&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2F&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20Payments%20-%20Complete%20Payment%20and%20Banking%20Platform%20for%20India&npa=0&pscdl=noapi&auid=333971578.1744092352&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092352720&cv=11&fst=1744092352720&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2F&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20Payments%20-%20Complete%20Payment%20and%20Banking%20Platform%20for%20India&npa=0&pscdl=noapi&auid=333971578.1744092352&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092352712&cv=11&fst=1744092352712&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20Payments%20-%20Complete%20Payment%20and%20Banking%20Platform%20for%20India&npa=0&pscdl=noapi&auid=333971578.1744092352&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1117299720.1744092353>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=338083897)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Card Preauthorization Benefits
# New in Payments
#### Debit and Credit Card Preauthorization
Know all about preauthorization on card payments and how it benefits customers and businesses receiving online payments
## What is Preauthorization on Card Payments?
Preauthorization (also card authorization, authorization hold or preauth) is a facility that payment gateways such as Cashfree offer to online merchants to temporarily block some amount of funds when a customer places an order. If the order is modified or canceled within a specific time frame (typically 5 days), the merchant can mark the transaction void and the amount goes back to the consumer’s original payment source.
## How Does Preauthorization Work?
Let’s take an example of a transaction where a customer has made payment using a credit card and now wants to cancel the order and get the refund.
## Benefits of Preauthorization for Merchants
- 
Assurance that enough funds are maintained by the customer
- 
No transaction cost (TDR) paid on canceled orders or where refund is requested as the amount goes directly from payment gateway to the customer
- 
Improved customer experience since customers get the refund instantly or within 1-2 hours
- 
Improvement in operational efficiency since the procedure to update refund request in the system and then doing outward payments is avoided
Did you know?
A chargeback can not be issued by a cardholder if the funds have not been captured. This means that online merchants using preauthorization can process transactions without having to worry about chargebacks if using stolen cards.
Use Case
- Hospitality & Entertainment
- Option to change order details after completing checkout
## Hospitality & Entertainment
**Online ticket booking -- travel and entertainment**
Online ticket booking platforms such as bus seat booking, train ticket, etc see high frequency of ticket cancelations and modifications. The refunds then take 10-15 days, which is inconvenient for customers as their money is stuck and is costly for merchant since he/she bears the transaction cost even though revenue is refunded. Using preauthorization, platforms are enabling instant refunds.
**Hotel room reservation**
Hotel rooms are often booked well in advance. Some hotels charge the full tariff upfront while others take only 30-40% as advance. In case the guest wants to cancel the booking or asks for changing the reservation date and room is not available, the hotel needs to refund the amount that can take 10-15 days. Using Preauthorization feature on checkout, the hotel can ensure the availability of funds for itself and easy refunds to guests when needed.
**Pre-paid services where deposit amount is collected**
A classic example is a self-driven car renting platform where the merchant collects a security amount that covers fixed and variable expenses along with the margin. At the end of the trip, often the balance is adjusted mostly as refund. Using preauthorization, the service provider can put the amount on hold while allowing for an easy refund to the consumer at the end of the trip.
## Option to change order details after completing checkout
**Option to change order details after completing checkout**
Many times, the customer might want to modify the customization of the order (example, size) after placing or add additional items. Having not already completed the transaction can avoid the need for an additional payment in case the cart value changes.
**High ticket size products or high return rates**
Preauthorisation is suited for high ticket size sales -- online jewellery, for example -- or apparel, where the customer can try the order and return within the refund policy timeline. Here, merchants can use preauthorization and put the order amount on hold. If a return is requested, the merchant can void the transaction and even deduct cancellation charges. If a refund is not requested within the time frame, merchant can capture payment.
Hospitality & Entertainment
## Hospitality & Entertainment
**Online ticket booking -- travel and entertainment**
Online ticket booking platforms such as bus seat booking, train ticket, etc see high frequency of ticket cancelations and modifications. The refunds then take 10-15 days, which is inconvenient for customers as their money is stuck and is costly for merchant since he/she bears the transaction cost even though revenue is refunded. Using preauthorization, platforms are enabling instant refunds.
**Hotel room reservation**
Hotel rooms are often booked well in advance. Some hotels charge the full tariff upfront while others take only 30-40% as advance. In case the guest wants to cancel the booking or asks for changing the reservation date and room is not available, the hotel needs to refund the amount that can take 10-15 days. Using Preauthorization feature on checkout, the hotel can ensure the availability of funds for itself and easy refunds to guests when needed.
**Pre-paid services where deposit amount is collected**
A classic example is a self-driven car renting platform where the merchant collects a security amount that covers fixed and variable expenses along with the margin. At the end of the trip, often the balance is adjusted mostly as refund. Using preauthorization, the service provider can put the amount on hold while allowing for an easy refund to the consumer at the end of the trip.
Option to change order details after completing checkout
## Option to change order details after completing checkout
**Option to change order details after completing checkout**
Many times, the customer might want to modify the customization of the order (example, size) after placing or add additional items. Having not already completed the transaction can avoid the need for an additional payment in case the cart value changes.
**High ticket size products or high return rates**
Preauthorisation is suited for high ticket size sales -- online jewellery, for example -- or apparel, where the customer can try the order and return within the refund policy timeline. Here, merchants can use preauthorization and put the order amount on hold. If a return is requested, the merchant can void the transaction and even deduct cancellation charges. If a refund is not requested within the time frame, merchant can capture payment.
## Enable Preauthorization on checkout
Enable preauthorization on checkout and give instant refunds to customers while saving on transaction charges
#### Available on
Debit Card & Credit Card
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Pre%20Auth&action=Contact%20Sales&button-id=ContactSales_EnablePreauthorization)
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## Cashfree Terms & Conditions
# Website Merchant Terms and Conditions
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**Annexure 1**
**List of the Negative, Risky and Restricted Categories of business**
**As already Provided under Attachment A to these Terms and Conditions**
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For Any Queries / Details Users Can Contact:
**Cashfree Payments India Pvt Ltd,**
1st floor, Essae Vaishnavi Summit,
7th main 80 Feet Road, Koramangala 3rd Block,
Bangalore, Karnataka, India, 560034
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=TnC&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092352474&cv=11&fst=1744092352474&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Ftnc%2F&hn=www.googleadservices.com&frm=0&tiba=Terms%20and%20Conditions%20-%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=674484552.1744092352&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092352578&cv=11&fst=1744092352578&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Ftnc%2F&hn=www.googleadservices.com&frm=0&tiba=Terms%20and%20Conditions%20-%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=674484552.1744092352&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092352564&cv=11&fst=1744092352564&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Ftnc%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Terms%20and%20Conditions%20-%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=674484552.1744092352&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=121029482.1744092353>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=235910203)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Privacy Policy Overview
# Privacy Policy
**Last updated: January 11, 2023**
Cashfree Payments India Private Limited Company is incorporated under the Companies Act, 2013 with CIN No. U72900KA2015PTC082987, having its registered office at 1st Floor, Vaishnavi Summit, No. 6/B, Summit, 80 Feet Rd, Koramangala 1A Block, Koramangala 3 Block, Koramangala, Bengaluru, Karnataka 560034 ("Cashfree", "Us", "We", or "Our"). We operate as a Payment Aggregator and provide payouts and verification services, amongst others, to e-commerce marketplaces, educational institutions, financial institutions, web aggregators, etc. We also hold an in principle approval of operating as a prepaid payment system operator in India. Our aim is to ensure a secure data processing environment and a convenient payment process infrastructure for Our customers. As the payments services are significantly dependent upon data or information shared by Our customers, We are committed to ensuring a secure environment for the processing of personal and sensitive personal information ("Personal Data" as defined hereunder) collected by Us from Our stakeholders. We implement security standards and best practices as per Applicable Laws (as defined hereunder) to protect Personal Data collected by Us from those who, directly or indirectly, use or have access to ("Users", "You" or "Your") Our [website](https://www.cashfree.com/), software or mobile application, platforms hosted by Us, payment infrastructure provided by Us through Our merchant platforms/ websites or our checkout pages ("Platforms") products and all or any part of Our payment aggregation, payouts, verification and any other services (collectively "Services").The [terms and conditions](https://www.cashfree.com/tnc/) of Our Services have been provided separately on Our website and shall be read with this Privacy Policy as they are an integral part of Our Services.
This Privacy Policy is applicable to Users of Our Services as well as to Our full-time, part-time, temporary employees and interns, merchants, business partners, contractors, vendors, outsourcers, consultants, contingent workers, temporary agency workers, etc. who provide services to Cashfree.
By using Our Services, You agree that You have read, understood and are bound by Our Privacy Policy and You hereby, provide Your express consent to the past, present and future collection, usage, processing, sharing and storage of Your Personal Data, including the transfer of Your Personal Data to third parties or service providers for the purposes as stated in this Policy. This Policy may be amended and updated by Us periodically, in order to be compliant with any changes in the Applicable Laws and/ or legal and regulatory developments. The Policy also enumerates Your Rights, the manner in which You can exercise these Rights and accessibility to Our point of contact for raising any concerns You may have regarding the protection of Your Personal Data.
We advise You to return to this page periodically to review the updated and current version of Our Privacy Policy.
##### **Definitions**
1. “Applicable Laws” shall mean Information Technology Act, 2000, The Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, Payment and Settlement Systems Act, 2007, Prevention of Money Laundering Act, 2002 and any other applicable rules and regulations issued thereunder, including any guidelines, circulars, ordinance, order, judgment, notification, decree, bye-law, governmental restriction, or any similar form of decision of, or determination by, or any interpretation, policy or administration, having the force of law in India, whether in effect as of the date of this Policy or thereafter, as applicable to Us.
2. "Biometrics" means the technologies that measure and analyze human body characteristics, such as 'fingerprints', 'eye retinas and irises', 'voice patterns', 'facial patterns', 'hand measurements' and 'DNA' for authentication purposes.
3. “Password” means a secret word or phrase or code or passphrase or secret key, or encryption or decryption keys that one Uses to gain admittance or access to information.
4. “Reasonable security practices and procedures” means security practices and procedures designed to protect Personal Data from unauthorized access, damage, use, modification, disclosure or impairment, as may be specified in an agreement between the parties or as may be specified under Applicable Laws.
5. “Personal Data” means any information that relates to You, which, either directly or indirectly, in combination with other information available or likely to be available with Us is capable of identifying You, including Your:
- Password
- Financial information such as Bank account or credit card or debit card or other payment instrument details
- physical, physiological and mental health condition
- sexual orientation
- medical records and history
- Biometric information
- any detail relating to the above clauses as provided by You to Us for the purpose of obtaining Our Services
- any of the information received by Us as mentioned above for processing, storing the same under lawful contract or otherwise
6. “Processing” in relation to Personal Data means an automated operation or set of operations performed on Personal Data, and may include operations such as collection, recording, organization, structuring, storage, adaptation, alteration, retrieval, use, alignment or combination, indexing, sharing, disclosure by transmission, dissemination or otherwise making available, restriction, erasure or destruction.
Exception to Personal Data: If any information provided by You is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other Applicable Laws, such information shall not be regarded as Personal Data.
##### Purpose
The purpose of this Privacy Policy is to inform You, about the reasons for Our collection, usage, processing, storage, transfer and sharing of Your Personal Data while using or accessing Our Services. We will also provide details as to the manner in which We collect, use, process, store, transfer and share Your Personal Data when You use or have access to Our Services.
We may ask You to provide Us with Your Personal Data that We may use to contact or identify You. We may also collect Your Personal Data for improving Our Services.
You may choose to not share such information with Us, however, that will restrict Your registration on Our Website or availability of certain features. If Your information is used for any different purpose than the ones listed in this Privacy Policy, We will ask You for Your consent in advance for such purposes. You acknowledge that information provided to third-party accounts by You may be transmitted into Your account with Us on Your authorization for such transmissions and such third-party account Information will be covered under this Privacy Policy.
Your Personal Data is collected, processed, used, stored, disclosed, or shared as described in Our Privacy Policy, and we hereby through this Privacy Policy, seek Your consent through this notice regarding the collection, processing, use, storing and sharing Your Personal Data for one or more of the purposes detailed herein. If Your specific consent is required to obtain for any other purposes or under Applicable Laws of India, We will procure such specific consent from You. Your Personal Data is used, processed, stored and/or disclosed in accordance with this Privacy Policy and in compliance with the Applicable Laws.
We may collect following types of Your Personal Data:
| **Types of Personal Data** | **Purpose** | **Details of Personal Data** |
| --- | --- | --- |
| Name and Contact Information | For providing payment aggregation, payouts and verification services to Our merchants, business partners and end-customers. | Full name(s), title, age, user ID, gender and Your date of birth. Telephone/mobile number(s), address(es), state/city of residence, country, pin code, email address(es), and chosen billing address(es). |
| Financial Information | Account Registration | Personal bank account numbers, including e-nach, NEFT, IMPS and UPI ID details, tokenized card information, card type, expiry date on the credit or debit card, and name on the card. |
| Identification Information | For providing payment aggregation, payouts and verification services to Our merchants and business partners and to comply with screening requirements as per Applicable Laws. | Know Your Customer (KYC) documents including all proofs of identity and address, photograph, Permanent Account Number (PAN), GST Number, etc. |
| Payments related data | For providing payment aggregation, payouts and verification services to Our merchants, business partners and end-customers and to comply with screening requirements as per Applicable Laws. | Payment gateway ID, name of issuing bank, merchant’s name, category and other identifiers along with the details of products or services purchased or paid for, mode of payment, the date, currency and amount of the transaction(s), whether the payment was successful, and other information provided by You directly or indirectly to Us or provided to Us by banks, merchants or other service providers or business partners. |
| Log Data | Statistical analyses of User behavior and characteristics in order to measure interest in and use of the various areas of Our Services provided to You. | Browser type, IP address, location, requested URL, referring URL, timestamp information, application, device, versions and configurations, operating systems, device brand and model, geo-location information, unique identifiers associated with Your device(s) and pages that You access on the website(s) to access or avail Our Services and paths taken. |
| Credit related Information | For providing payment aggregation, payouts and verification services to Our merchants that are financial institutions or account aggregators under Applicable Laws, Our business partners and third party service providers and end-customers. | Your credit related information or assessment provided by third parties such as financial institutions or account aggregators under Applicable Laws including Our business partners and third party service providers. |
| Information provided by You directly to Us or received through Our merchants, business partners and third party service providers | We may use third party services such as Google Analytics, who may collect, monitor and analyze this type of information in order to facilitate Our Services, to provide the Service on Our behalf, to perform Service-related services or to assist us in analyzing how Our Services are used. Your information may also be used to contact You with newsletters, marketing or promotional materials and other information that may be of interest to You. You may opt out of receiving any, or all, of these communications from Us by following the unsubscribe link or instructions provided in any email that We send. | Account usernames and passwords; Your email address; Your preferred settings and themes, Communications with customer support, promotional and marketing campaigns, surveys, and records of Your subscriptions to marketing materials, or withdrawal, as the case maybe. _( **Note:** We use "cookies" to collect information. You can instruct Your browser to refuse all cookies or to indicate when a cookie is being sent. However, if You do not accept cookies, You may not be able to use some portions of Our Service. We do not control the use of cookies by third parties. The third party service providers have their own privacy policies addressing how they use such information.)_ |
| Your Device Information | We may collect Your device information in order to gain insights about Your use of Our website or Services, to provide a customized experience, and to show targeted advertisements. | Your contact list, call records, SMS, media files and location data in Your devices to enable You to access Our Services after seeking necessary permissions. |
##### Exception to Our Collection of Your Personal Data
We do not collect certain categories of Personal Data, such as, Your details relating to Your race or ethnicity, religious or philosophical beliefs, biometric information, sexual orientation, political opinions, or information about your physical, physiological, mental health condition, medical records and history or any genetic information.
##### Your Rights
**Right to Review Your Personal Data -** You may review the Personal Data provided by You and any Personal Data found to be inaccurate or deficient will be corrected or amended by Us, as feasible. However, please note, that We will not be responsible for the authenticity of the Personal Data provided by You.
**Withdrawal of Your Consent -** You may choose not to provide Your Personal Data, at any time while availing the Services or otherwise, or withdraw Your consent provided to Us earlier, in writing to our email ID: [grievances@cashfree.com](mailto:grievances@cashfree.com)
However, in case You choose to not provide or later withdraw Your consent, We may not be able to provide to You some or all of the features and functionalities of Our Services. This may also affect Our ability to process Your Personal Data and lead to the discontinuation of Our Services for which such Personal Data was required to be used or was being used, at Our sole discretion.
Please note that these rights are limited in instances where We are legally required to retain Your Personal Data in order to be compliant with the Applicable Laws.
##### Security
We adhere to the international security standards and certifications issued by International Organization for Standardization, the Payment Card Industry Data Security Standards (PCI DSS) Council and Cybersecurity Standards by the American Institute of Certified Public Accountants (AICPA) such as ISO/IEC 27001: 2013, PCI DSS v3.2.1 and Service Organization Control Type 2 (SOC 2), respectively. We have regular audits of Our Information System that is carried out by CERT-In empanelled auditors as required under the Applicable Laws.
The security of Your Personal Information is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use e commercially acceptable means to protect Your Personal Information, We cannot guarantee its absolute security.
##### International Transfer
Your Personal Data may be transferred to and maintained on computers located outside of Your state, country or other governmental jurisdiction where the data protection laws may differ from those of Your jurisdiction.
If You are located outside India and choose to provide information to Us, please note that We transfer the information, including Personal Data, to India and process it there. Your consent to this Privacy Policy followed by Your submission of Your Personal Data represents Your agreement to that transfer.
##### Links To Other Sites
Our Service may contain links to other sites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
##### Children's Privacy
**Our Service does not address anyone under the age of 13 ("Children").**
We do not knowingly collect personally identifiable information from children under 13. If You are a parent or guardian and You are aware that Your child has or children have provided Us with Personal Data, please contact Us at [grievances@cashfree.com](mailto:grievances@cashfree.com). If We become aware that We have collected Personal Data from children under age 13 without verification of parental consent, We take steps to remove that information from Our servers.
##### Retention of Your Personal Data
We retain Your Personal Data for no longer than is required for the purposes for which Your Personal Data is collected or for the period required to be maintained under the Applicable Laws.
##### Exception to Consent for Disclosure of Personal Data
We seek Your express consent for the disclosure of Your Personal Data for the purposes stated in this Privacy Policy, unless such disclosure is necessary for compliance of a legal obligation under the Applicable Laws or any law for the time being in force.
Your Personal Data may be shared, without obtaining prior consent, with Government agencies mandated under the Applicable Laws or any law in India to obtain Your Personal Data for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences. In which case, the Government agency or authority sends a request to Us stating the purpose of seeking Your Personal Data.
Your Personal Data so obtained by the Government agency or authority is not published or shared with any third party, unless the disclosure to any third party is required by an order under the Applicable Laws or any law in India for the time being in force.
_**By Using Our Services and/or by providing Your Personal Data, You consent to the collection and Use of the information You disclose on Us in accordance with this Privacy Policy, including but not limited to Your consent for sharing Your information as per this Privacy Policy. As per Information Technology Act 2000 and rules made there under, the name and contact details of the Grievance Officer are provided below:**_
#### **Mr. Fasih Abbas M**
Cashfree Payments India Pvt Ltd,
Vaishnavi Summit, No. 6/B, Summit,
80 Feet Rd, Koramangala 1A Block,
Koramangala 3 Block, Koramangala,
Bengaluru, Karnataka 560034
Email ID: [grievances@cashfree.com](mailto:grievances@cashfree.com)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Privacy%20Policy&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Out of the World Startups
For Out of the World startups
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=OutoftheWorld&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=OutoftheWorld&action=Contact%20Sales&button-id=ContactSales_Hero)
## Out of the world
### Startup Bundle
Tailor-made for high-growth startups
Whether you’re going from 0 to 1 or on your way to becoming the next unicorn, our robust payments stack is your growth partner.
#### Payment Gateway
Accept online customer payments on
your app or website securely, with ease
#### Instant Settlements
Access your money instantly or on-demand and
achieve liquidity for Out of the World growth
#### Buy Now Pay Later
Increase conversions & enjoy higher order
values with India’s widest BNPL offering
#### Payment Links
Get paid via WhatsApp, SMS, e-mail, social
media, and more, with this no code solution
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=OutoftheWorld&action=Sign%20Up&button-id=StartNow_StartupBundle) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=OutoftheWorld&action=Contact%20Sales&button-id=ContactSales_StartupBundle)
#### What you get
- 15% higher success rates
- 180+ payment modes
- 30% increase in customer conversions
- 40% higher average order value
- Quick & steady access to cash for healthy liquidity
- Instant payments reconciliation
- Ready to use plugins for e-com like Shopify, Wix, WooCommerce
- Partial payments to increase purchase intent
## Out of the world payments
For out of the world startups
Cashfree Payments offers end-to-end payments and API banking solutions for
Out of the World startups like you to achieve scale.
### 600M+
Bank accounts served
### 8,00,000+
Businesses served
### $80B+
Processed annually
## \#OutOfTheWorldPayments
For Out of the World startups
Previous
[iframe](https://www.youtube.com/embed/mU94VizGVn8)
[iframe](https://www.youtube.com/embed/vleTjoch0OQ)
[iframe](https://www.youtube.com/embed/qdUq066mack)
[iframe](https://www.youtube.com/embed/mU94VizGVn8)
[iframe](https://www.youtube.com/embed/vleTjoch0OQ)
[iframe](https://www.youtube.com/embed/qdUq066mack)
[iframe](https://www.youtube.com/embed/mU94VizGVn8)
Next
Case Study
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Out of the World Payments?
Out of the World Payments refers to the Cashfree Payments Stack that gives your business the growth it deserves.
While we help you collect digital payments, you get to increase average order value by 40%, reduce cart abandonments, increase customer conversions by 30%, and have a superior payments experience.
### Who is Out Of the World Payments for?
Out of the World Payments is for you if you are someone who:
- Has an Out of the World idea, looking for a trusted payments partner to help turn it into a business
- Already has a startup and need a payments partner that helps you scale
- Has a business and wants to switch a robust, future-forward, out-of-the-world payments suite!
### How can I benefit from Out of the World Payments?
In more ways than one!
- Accept digital payments on your app or website with ease and efficiency, using our Payment Gateway
- Get paid via social media, WhatsApp, or e-mail with our no-code solutions: Payment Links & Forms
- Achieve healthy liquidity with our Instant or On-demand settlements
- Increase conversions by 30% and order value by 40% with India’s widest BNPL offering
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=OutoftheWorld&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe]()
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092681711&cv=11&fst=1744092681711&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=720&url=https%3A%2F%2Fwww.cashfree.com%2Fstartups%2F&hn=www.googleadservices.com&frm=0&tiba=Out%20of%20the%20World%20Payments%20for%20Business%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1723362532.1744092681&uaa=x86&uab=64&uafvl=Chromium%3B131.0.6778.33%7CNot_A%2520Brand%3B24.0.0.0&uamb=0&uam=&uap=Windows&uapv=10.0&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092681780&cv=11&fst=1744092681780&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=720&url=https%3A%2F%2Fwww.cashfree.com%2Fstartups%2F&hn=www.googleadservices.com&frm=0&tiba=Out%20of%20the%20World%20Payments%20for%20Business%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1723362532.1744092681&uaa=x86&uab=64&uafvl=Chromium%3B131.0.6778.33%7CNot_A%2520Brand%3B24.0.0.0&uamb=0&uam=&uap=Windows&uapv=10.0&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092681773&cv=11&fst=1744092681773&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=720&url=https%3A%2F%2Fwww.cashfree.com%2Fstartups%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Out%20of%20the%20World%20Payments%20for%20Business%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1723362532.1744092681&uaa=x86&uab=64&uafvl=Chromium%3B131.0.6778.33%7CNot_A%2520Brand%3B24.0.0.0&uamb=0&uam=&uap=Windows&uapv=10.0&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=19826776.1744092682>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=1234509947)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
[iframe](https://fledge.as.criteo.com/interest-group?data=iQUuQ7Ob074HUk_dwzMUEFvaJilKgP04Rbk4kYGsyxWin1GbFQxKaA5B6p6tsmNpnqkjHmQujpneDTFFiPmVBpfZiZElHnWecgooKwuOWx0Ke_1uPfkNZHDUnhvpIVctmaixNPL8Meux-j8XwCQtGdpFagP-OElZZi6qItSeFRc)
## Cashfree Growth Solutions
# Looks like we routed you the wrong way. Let us guide you back.
[Go to Homepage](https://cashfree.com/?utm_source=404&utm_medium=404page&utm_campaign=Website) [Get Support\\
](https://www.cashfree.com/docs/help/overview)
## Cashfree Support Center
SUPPORT
# How can we help you?
Get instant resolution to all your queries with Cashfree Payments.
[\\
Merchant Support\\
Answer to queries related to account activation, products, pricing, settlements etc.](https://www.cashfree.com/contact-us/) [\\
Customer Support\\
Answer to queries related to payment made via Cashfree Payments](https://www.cashfree.com/en/report-issue/) [\\
Customer Grievance Policy\\
Structured mechanism for prompt redressal of all customer grievances](https://www.cashfree.com/grievance-redressal-policy/) [\\
Knowledge Base\\
Know more to get \\
\\
started with \\
\\
Cashfree Payments](https://www.cashfree.com/docs/help/overview)
Cashfree Payments Address
Cashfree Payments India Pvt Ltd, Vaishnavi Summit, No. 6/B, Summit, 80 Feet Rd, 1A, 3rd Block, Koramangala, Bengaluru, Karnataka 560034
Nodal Officer - Grievance Redressal
:
Mr. Fasih Abbas M
[grievances@cashfree.com](mailto:grievances@cashfree.com)
Nodal officer - LEA support
:
Mr. Shaik Mohammed Aftab Alam
[dispute@cashfree.com](mailto:dispute@cashfree.com)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Support%20Page&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092352419&cv=11&fst=1744092352419&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fsupport%2F&hn=www.googleadservices.com&frm=0&tiba=Support%20%26%20Help%20Center%20-%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=795576983.1744092352&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092352512&cv=11&fst=1744092352512&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fsupport%2F&hn=www.googleadservices.com&frm=0&tiba=Support%20%26%20Help%20Center%20-%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=795576983.1744092352&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092352504&cv=11&fst=1744092352504&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fsupport%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Support%20%26%20Help%20Center%20-%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=795576983.1744092352&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=152855258.1744092353>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=364419843)
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## Cashfree Blog Insights
As a D2C business owner, you’re constantly balancing revenue and distribution. While marketplaces like Amazon, Flipkart, and Myntra excel at…
[Read More](https://www.cashfree.com/blog/elevate-d2c-website-for-better-checkout-experience/)
#### [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
[View All](https://www.cashfree.com/blog/category/lifecashfree/)
[](https://www.cashfree.com/blog/scaling-careers-scaling-innovation-cashfree-growth-story/)
In [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
## [Does Cashfree Payments Offer Career Growth in Tech? Hear From Our Engineer Shimil Jas](https://www.cashfree.com/blog/scaling-careers-scaling-innovation-cashfree-growth-story/)
[3 weeks ago](https://www.cashfree.com/blog/scaling-careers-scaling-innovation-cashfree-growth-story/) 4 Mins Read
Being a problem-solver is one of the first signs of a passionate engineer and that’s exactly what has always drawn…
[](https://www.cashfree.com/blog/cashfree-hackathon-start-of-an-idea/)
In [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
## [How did a hackathon idea turn into one of Cashfree Payments’ biggest year-end projects?](https://www.cashfree.com/blog/cashfree-hackathon-start-of-an-idea/)
[4 weeks ago](https://www.cashfree.com/blog/cashfree-hackathon-start-of-an-idea/) 5 Mins Read
Innovation often begins with a simple question: What if? For Shubhi Maheswari, Prem Chand, Divyanshu Kumawat, Harshith Kanigalpula and Vibha…
#### [Banking](https://www.cashfree.com/blog/category/verification-suite/)
[View All](https://www.cashfree.com/blog/category/verification-suite/)
[](https://www.cashfree.com/blog/bharat-ocr-better-than-traditional-ocr-tools/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [How Bharat OCR Outperforms Traditional OCR Tools in Every Key Metric](https://www.cashfree.com/blog/bharat-ocr-better-than-traditional-ocr-tools/)
[4 weeks ago](https://www.cashfree.com/blog/bharat-ocr-better-than-traditional-ocr-tools/) 7 Mins Read
The Real Problem: Why Traditional OCR is not effective for Fintech PMs Let’s be honest, traditional OCR tools are not…
[](https://www.cashfree.com/blog/ocr-revolution-ai-powered-lending-part-2/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [The OCR Revolution: Transforming Microfinance in Bharat with AI-Powered Lending (Part B)](https://www.cashfree.com/blog/ocr-revolution-ai-powered-lending-part-2/)
[4 weeks ago](https://www.cashfree.com/blog/ocr-revolution-ai-powered-lending-part-2/) 15 Mins Read
Fraud in MFI Lending due to Fake documents, Identity Fraud and Loan Stacking Fraud is one of India’s biggest challenges…
[](https://www.cashfree.com/blog/ocr-revolution-ai-powered-lending-part-1/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [The OCR Revolution: Transforming Microfinance in Bharat with AI-Powered Lending (Part A)](https://www.cashfree.com/blog/ocr-revolution-ai-powered-lending-part-1/)
[1 month ago](https://www.cashfree.com/blog/ocr-revolution-ai-powered-lending-part-1/) 9 Mins Read
The Real Challenge in Microfinance Isn’t Funding—It’s Visibility The 66+M borrower problem: Bharat’s credit gap isn’t about capital but visibility.…
[](https://www.cashfree.com/blog/privacy-concerns-addressing-aadhaar-card-kyc-security-issues/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [Privacy Concerns: Addressing Aadhaar Card KYC Security Issues](https://www.cashfree.com/blog/privacy-concerns-addressing-aadhaar-card-kyc-security-issues/)
[4 months ago](https://www.cashfree.com/blog/privacy-concerns-addressing-aadhaar-card-kyc-security-issues/) 5 Mins Read
In India’s digital transformation journey of the financial sector, Aadhaar-based e-KYC (Electronic Know Your Customer) plays a significant role in…
[](https://www.cashfree.com/blog/seamless-name-match-api-solution-for-enterprises/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [How Cashfree Empowers Indian Enterprises with Seamless Name Match API Solution](https://www.cashfree.com/blog/seamless-name-match-api-solution-for-enterprises/)
[4 months ago](https://www.cashfree.com/blog/seamless-name-match-api-solution-for-enterprises/) 7 Mins Read
In India, name ambiguity presents a unique challenge for businesses due to linguistic diversity, regional spelling variations, and cultural practices.…
[](https://www.cashfree.com/blog/benefits-of-ekyc-aadhaar-verification/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [Benefits of e-KYC Aadhaar Verification in Financial Services](https://www.cashfree.com/blog/benefits-of-ekyc-aadhaar-verification/)
[5 months ago](https://www.cashfree.com/blog/benefits-of-ekyc-aadhaar-verification/) 5 Mins Read
With the advancements in the digital era, the financial institutions are upgrading continuously to enhance the customer experience. Financial institutions…
#### [Payments](https://www.cashfree.com/blog/category/payments/)
[View All](https://www.cashfree.com/blog/category/payments/)
[](https://www.cashfree.com/blog/secured-payment-solutions-for-shopify-store/)
In [Payments](https://www.cashfree.com/blog/category/payments/)
## [Secure Payment Solutions for Shopify: How to Protect Your Store from Fraud?](https://www.cashfree.com/blog/secured-payment-solutions-for-shopify-store/)
[6 days ago](https://www.cashfree.com/blog/secured-payment-solutions-for-shopify-store/) 6 Mins Read
Digital payment fraud is scaling shocking heights in India. According to the Reserve Bank of India, losses due to payment…
[](https://www.cashfree.com/blog/shopify-payments-vs-third-party-gateways/)
### [Shopify Payments vs Third-Party Gateways: Making the Right Payment Choice](https://www.cashfree.com/blog/shopify-payments-vs-third-party-gateways/)
[6 days ago](https://www.cashfree.com/blog/shopify-payments-vs-third-party-gateways/)
[](https://www.cashfree.com/blog/reduce-card-decline-via-smart-routing/)
### [Smarter Routing, Higher Revenue: How a Food Delivery Giant Reduced Card Declines](https://www.cashfree.com/blog/reduce-card-decline-via-smart-routing/)
[7 days ago](https://www.cashfree.com/blog/reduce-card-decline-via-smart-routing/)
[](https://www.cashfree.com/blog/what-is-shopify-payment-gateway/)
### [What is a Payment Gateway on Shopify & How Does It Work?](https://www.cashfree.com/blog/what-is-shopify-payment-gateway/)
[2 weeks ago](https://www.cashfree.com/blog/what-is-shopify-payment-gateway/)
[](https://www.cashfree.com/blog/how-to-start-shopify-store/)
### [How to Start a Shopify Store in 2025: A Step-by-Step Guide.](https://www.cashfree.com/blog/how-to-start-shopify-store/)
[4 weeks ago](https://www.cashfree.com/blog/how-to-start-shopify-store/)
- [All](https://www.cashfree.com/blog/category/all/)
- [Payments](https://www.cashfree.com/blog/category/payments/)
- [What’s New](https://www.cashfree.com/blog/category/updates/)
- [Policy Radar](https://www.cashfree.com/blog/category/policy/)
- [Engineering](https://www.cashfree.com/blog/category/engineering/)
- [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
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## Cashfree Payouts
# Payouts
India's Largest
## Payments Disbursal Platform
## Payouts
helps businesses send money instantly, 24x7 - even on bank holidays. Pay your vendors, make customer refunds, disburse loans etc. with an industry-best success rate of 99.98%.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Payout%20Page&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Payout%20Page&action=Contact%20Sales&button-id=ContactSales_Hero)
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## Payouts, reimagined.
## Add multiple Payout Fund Sources and pay your vendors, partners, employees, or customers into the destination payment mode of their choice.
-  Multiple Current Accounts
- ##  Escrow Accounts
- ##  Corporate Credit Card
- ## Paytm Wallet
- ## Cashfree Wallet \[Powered by Cashfree\]
- ## External Credit Lines
## Multiple Current Accounts
- ### Do away with manual recharges
- ### Make instant transfers
- ### Increase success rate with multi-bank accounts
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Payout%20Page&action=Sign%20Up&button-id=StartNow_MultipleCurrentAccounts)
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Payout%20Page&action=Sign%20Up&button-id=StartNow_MultipleCurrentAccounts)
## Escrow Accounts
- ### Simplify your escrow setup with guided assistance
- ### Automate direct fund transfers between accounts
- ### Monitor transfer status, identify failures and ease reconciliation
[Learn More](https://www.cashfree.com/escrow-account/)
[Learn More](https://www.cashfree.com/escrow-account/)
 Multiple Current Accounts
## Multiple Current Accounts
- ### Do away with manual recharges
- ### Make instant transfers
- ### Increase success rate with multi-bank accounts
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Payout%20Page&action=Sign%20Up&button-id=StartNow_MultipleCurrentAccounts)
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Payout%20Page&action=Sign%20Up&button-id=StartNow_MultipleCurrentAccounts)
##  Escrow Accounts
## Escrow Accounts
- ### Simplify your escrow setup with guided assistance
- ### Automate direct fund transfers between accounts
- ### Monitor transfer status, identify failures and ease reconciliation
[Learn More](https://www.cashfree.com/escrow-account/)
[Learn More](https://www.cashfree.com/escrow-account/)
##  Corporate Credit Card
## Paytm Wallet
## Cashfree Wallet \[Powered by Cashfree\]
## External Credit Lines
Banking Partners:
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Choose from a range of destination payment modes
Bank Account
Send money to your customer’s bank account via IMPS, NEFT, or RTGS instantly. No cool off period for beneficiary addition!
UPI or Wallets
Initiate disbursals to customers UPI ID directly or add funds to their Paytm and Amazon Pay wallets.
Tokenised Cards
Transfer money to any tokenised credit and debit cards instantly.
A full-stack, connected
## payments disbursal solution
- ### Single Payouts Account
- ## Vendor Payments
- ### Vendor Verification
- ### Customer Refunds
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Payout%20Page&action=Sign%20Up&button-id=StartNow_FullStackConnectedPayments)
Do delayed
## payouts
affect your customer satisfaction?
Maximise your operations 24x7 regardless of banking hours, cooling periods, traditional processes.
Tired of manual intensive
## bulk payouts
?
Add beneficiaries and make up to 10,000
## bulk payouts
in one go, with simple excel file upload. Track transfer status in real-time.
Want more control over instant beneficiary payouts?
Choose the fund source you want to disburse money from. Gain control of your payouts with our Maker-Checker feature.
Vendor Payout security becoming a challenge?
Verify vendor identity during onboarding or before making payouts, and do away with reversals and failed transfers.
Delayed payouts due to bank downtimes affecting your success rate?
Get industry leading success rates at 99.98%, using smart routing via multiple gateways.
Complex finance tracking taking a toll on your operations?
Gain financial control via our intuitive dashboard and detailed reports with valuable insights into success rates, and turnaround times for Payout transfers.
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## Highly reliable at scale
Industry-best success rate at 99.98%
High success rates, uptime is guaranteed through smart routing among multiple banks, for improved and successful payouts.
Powerful Risk Shield
Daily transaction limits, fraud detection, along with multiple security checks at API and dashboard levels to help reduce risky transactions.
Industry-first bank downtime detector!
Real-time tracking of unscheduled bank downtimes for seamless bulk transfers. Stay ahead with our industry-leading solution.
Near 100% reconciliation in 5 minutes
Automated solution that reconciles transfers, failures, reversals, and reporting across various transfer modes and destination banks.
## Introducing the all-new Payouts Tally plugin!
Settle all invoices - vendors, salary, bills etc. and automate reconciliations within Tally ERP instantly.
- Set up custom approvals for direct-from-ERP transfers
- Get auto-updated Tally ledgers with payment statuses, in real time
- Make instant payment to any a/c payable or upload 1,000+ beneficiaries in one go and quickly transfer money
[Add Payouts plugin to your Tally ERP Now!](https://merchant.cashfree.com/merchants/signup?source-action=Payout%20Page&action=Sign%20Up&button-id=StartNow_TallyPlugin)
Payout Link
## Cashgram
Cashgram is
## payout links
generation solution that helps businesses pay vendors, partners, customers or others instantly when only their mobile number or email address is known.
[Explore Cashgram](https://www.cashfree.com/cashgram/)
1\. Send
Create a Cashgram link and notify via email, SMS or WhatsApp.
2\. Capture
Beneficiary enters their bank account/ debit card/ UPI/ Paytm/Amazon Pay details.
3\. Redeem
Beneficiary receives a payout in their preferred account.
Engineered for you
Developer friendly, easy-to-integrate
## Payouts API
Trusted by enterprises Loved by developers
- Go live in minutes with our dedicated Plug-in and SDKs
- Use sample integration kits to try out integrations using Test API credentials before going live. API libraries are available in multiple languages.
- Get notified on transfer status - success, pending, etc. with webhooks in real time
[View API documentation](https://docs.cashfree.com/docs/payouts)
Node JSJavaPythonPHPcURL
1const cfSdk =require('cashfree-sdk');
2const {Transfers} = cfSdk.Payouts;
3const response = await Transfers.RequestBatchTransfer(
4{batchTransferId :'PAY\_14APRIL\_2021',
5batchFormat : 'BANK\_ACCOUNT',
6deleteBene : 1,
~batch : \[\
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~{ transferId : 'VENDOR\_512623\_PAY\_14APRIL',\
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~amount: '1023.4',\
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~phone : '9999999999',\
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~bankAccount : '1007766300076281' ,\
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~ifsc : 'HDFC0001007',\
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~email : 'johndoe@cashfree.com',\
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~name: 'John' }\
\
~\]
#### No code solutions
- Make
## individual payouts
using Quick Transfer on Dashboard by entering beneficiary account details.
- Make
## bulk payouts
easily and quickly from the Dashboard by uploading excel sheets with beneficiary account details and
## make payouts
in seconds.
INDUSTRY Use cases
## Payouts
for innovative businesses
Send money to vendors , make customer refunds or automate loan disbursals. Solve your
## business payouts
challenges with our powerful
## Payouts APIs
.
Credit card bill payment platform CRED uses Payouts to send money to the bank account linked to card while making credit card repayment easier for customers.
Use case in focus:
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Instant payout to credit cards
Nykaa is winning customer trust and loyalty by making Instant Refunds to customer accounts upon refund requests: enhancing the overall shopping experience.
Use case in focus:
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Instant ecommerce refunds
Watch Video
Porter uses Cashfree Payouts to make
## On-demand Payouts
to its driver-partners after at the end of every trip, thereby encouraging digital transactions and convenience.
Use case in focus:
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On-demand payouts
TESTIMONIALS
8,00,000+ Indian businesses trust us with their payment needs
'The partnership with Cashfree Payments has allowed us to render fast, secure and user-friendly settlements, thereby enhancing the overall customer journey. Also, from the automation and scalable point, Cashgram, payout links, have been phenomenal. The time saved, in turn, has allowed us to interact more with the customers in devising more effective and innovative procedures, thus creating a better value proposition.'
Varun Krishnakumar
ex-Director of Products, Furlenco
'Finding a payments partner is not difficult. But finding one with exceptional support – that's a game-changer. Cashfree Payments has been exactly that for us. The value of their support cannot be overstated. They are there with us every step of the way, ready to help, advise, and guide. They are always quick to pass on real-time information, supporting us in a way that makes them more than just a service provider. They are a partner in the truest sense.'
Anshu Agarwal
Global Head of Finance, Branch International
'We are delighted to partner with Cashfree Payments to process payouts for our valuable delivery partners. Integration of Cashfree Payments’ solution ‘Payouts’ has made payments for our drivers instantaneous and highly convenient. While we offered payout integration to 200 drivers initially, the benefits propagated fast, as more drivers started approaching us asking for the service. We are elated to solve a critical payments discrepancy for our drivers, using Cashfree Payments’ offering, and will further work towards strengthening our relationship with them and contribute to their healthy growth.'
Vikas Choudhary
Co-founder & CTO, Porter
'Cashfree Payments effectively managed all three parties involved – us \[Pocketly\], our NBFC, and the beneficiaries. Cashfree Payments' solution enabled us to regain efficiency within the prescribed guidelines of direct loan disbursals from the NBFC to our beneficiaries. The overall reliability of the services provided by Cashfree Payments helped Pocketly maintain its promise to its customers, instilling confidence in the service and enhancing loyalty, while helping us scale our business with a smooth transition, high success rate, and a quick turnaround time'
Navdeesh Ahuja
Co-founder, Pocketly
'The partnership with Cashfree Payments has allowed us to render fast, secure and user-friendly settlements, thereby enhancing the overall customer journey. Also, from the automation and scalable point, Cashgram, payout links, have been phenomenal. The time saved, in turn, has allowed us to interact more with the customers in devising more effective and innovative procedures, thus creating a better value proposition.'
Varun Krishnakumar
ex-Director of Products, Furlenco
'Finding a payments partner is not difficult. But finding one with exceptional support – that's a game-changer. Cashfree Payments has been exactly that for us. The value of their support cannot be overstated. They are there with us every step of the way, ready to help, advise, and guide. They are always quick to pass on real-time information, supporting us in a way that makes them more than just a service provider. They are a partner in the truest sense.'
Anshu Agarwal
Global Head of Finance, Branch International
'We are delighted to partner with Cashfree Payments to process payouts for our valuable delivery partners. Integration of Cashfree Payments’ solution ‘Payouts’ has made payments for our drivers instantaneous and highly convenient. While we offered payout integration to 200 drivers initially, the benefits propagated fast, as more drivers started approaching us asking for the service. We are elated to solve a critical payments discrepancy for our drivers, using Cashfree Payments’ offering, and will further work towards strengthening our relationship with them and contribute to their healthy growth.'
Vikas Choudhary
Co-founder & CTO, Porter
'Cashfree Payments effectively managed all three parties involved – us \[Pocketly\], our NBFC, and the beneficiaries. Cashfree Payments' solution enabled us to regain efficiency within the prescribed guidelines of direct loan disbursals from the NBFC to our beneficiaries. The overall reliability of the services provided by Cashfree Payments helped Pocketly maintain its promise to its customers, instilling confidence in the service and enhancing loyalty, while helping us scale our business with a smooth transition, high success rate, and a quick turnaround time'
Navdeesh Ahuja
Co-founder, Pocketly
'The partnership with Cashfree Payments has allowed us to render fast, secure and user-friendly settlements, thereby enhancing the overall customer journey. Also, from the automation and scalable point, Cashgram, payout links, have been phenomenal. The time saved, in turn, has allowed us to interact more with the customers in devising more effective and innovative procedures, thus creating a better value proposition.'
Varun Krishnakumar
ex-Director of Products, Furlenco
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PRICING
Simple Pricing, No Hidden Charges
STANDARD
Pay as you go - for startups
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Payout%20Page&action=Sign%20Up&button-id=StartNow_Pricing)
## Wallets/ Connected BaaS
| Transaction Amount | NEFT | RTGS | IMPS/UPI/
Amazon Pay | Pay to Phone/
Pay to Phone + CC |
| --- | --- | --- | --- | --- |
| Up to ₹1,000 | ₹ 3.00 | ₹ 4.00 | ₹ 6.00 | ₹ 7.00 |
| ₹1,000 to ₹25,000 | ₹ 5.00 | ₹ 6.00 | ₹ 8.00 | ₹ 9.00 |
| Above ₹25,000 | ₹ 8.00 | ₹ 10.00 | ₹ 15.00 | ₹ 18.00 |
| Transaction Amount | Up to ₹1,000 | ₹1,000 to ₹25,000 | Above ₹25,000 |
| --- | --- | --- | --- |
| NEFT | ₹ 3.00 | ₹ 5.00 | ₹ 8.00 |
| RTGS | ₹ 4.00 | ₹ 6.00 | ₹ 10.00 |
| IMPS/UPI/
Amazon Pay | ₹ 6.00 | ₹ 8.00 | ₹ 15.00 |
| Pay to Phone/
Pay to Phone + CC | ₹ 7.00 | ₹ 9.00 | ₹ 18.00 |
## Cards
Visa
Mastercard
### ₹15.00
Up to ₹1,000 txn amount
### ₹20.00
Above ₹1,000 txn amount
Note: Above mentioned prices are exclusive of bank charges and GST.
ENTERPRISES
Optimized payments infrastructure that helps you scale
- Dedicated account manager
- Volume discounts
- Migration support
- Dedicated support
Get in touch with our sales team to explore the right product(s) for your payment needs and get custom pricing.
[Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Payout%20Page&action=Contact%20Sales&button-id=ContactSales_Pricing)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Payouts?
Payouts is a powerful and secure disbursement solution that empowers businesses to effortlessly transfer funds to multiple recipients. Whether you need to disburse payments to individuals, vendors, partners, or employees, Payouts simplify the process, saving you time and effort.
With Cashfree Payouts, you can automate your bulk payments, ensuring direct, timely and instant payouts. You can connect your bank accounts, and make direct payouts! You can use the Payouts dashboard to do single or bulk payouts via Excel upload or integrate Payouts APIs with your product or ERP to automate bulk payouts. It eliminates the complexities of manual disbursements by streamlining your payment workflow, ultimately boosting your operational efficiency.
### What can I use Cashfree Payouts for?
You can use Cashfree Payouts for a wide range of business use cases. Here is how some of the leading businesses in India are using Payouts:
- Hyperlocal services like Grab and Dunzo use it for on-demand wage payouts.
- E-commerce platforms like Nykaa and Xiaomi use Payouts APIs for instant refund processing.
- Loan providers/NBFcs like DMI Finance and Branch use it for instant loan disbursals.
- Gaming websites like Dream11 and RummyCircle use Payouts for real-time player's winning cashouts.
- Marketplace platforms like Milaap and Tata Sky have integrated Payouts with their products for automated vendor payouts.
### How can I get started? What documents are needed?
"For faster Payouts account activation, signup here. Once logged in, click on activate Payouts and add your business details and upload copies of your business documents. Follow the steps to complete your account activation.
In case of any queries or if you are looking for a customized solution, get in touch with our sales team here. Our team will connect with you in 24 working hours. Meanwhile, you can also explore the product in test environment and use test API credentials to try out the integration before going live. View developer documentation [here](https://docs.cashfree.com/docs/payouts).
### Do I need to be a registered business?
Yes, Payouts can be used only by registered businesses. If you are not yet registered as a business but plan to start soon, you can signup and explore the product in test environment. We can also set up an account with limits on payout volume after understanding your business and future needs.
### How long does it take to transfer funds?
Transfers to bank accounts happen instantly. Transfers for amounts in excess of ₹2,00,000 are restricted by banking hours and can take longer. Payouts to other modes like Paytm, AmazonPay wallet, cards, UPI ID happen instantly.
### Can I transfer funds on Sundays and bank holidays?
Yes, it is possible to make payouts even on Sundays and bank holidays.
### Do you support payouts to all banks and bank accounts?
Yes, you can make payouts to any active savings or current bank account in India. However, NRE and NRO bank accounts are not supported.
### What is the success rate for Payouts by Cashfree Payments?
Cashfree Payouts offers the industry-best success rate at 99.98%. We have implemented various features and mechanisms to ensure that your transfers are successful at all times. With smart routing and queuing across multiple banks, we guarantee higher uptime and a higher success rate. In addition, our system intelligently re-routes failed transfers, increasing the likelihood of successful payouts.
### How is Payouts different from using banks for bulk payouts?
"Bulk payouts via bank accounts happen by manually adding every beneficiary before transferring or by uploading a spfsheet on the banking portal. Cashfree automates bulk payouts fully via APIs and offers a much simpler alternative.
Unlike banks, where a single error in a payout file can block all the bulk payouts, using Cashfree, even if there are invalid records in a file, valid transfers go through. Reconciliation for failed and invalid transfers is automated so you always know which transfer failed out of hundreds of payouts, and why. At Cashfree, new beneficiary addition and activation is instant.
Cashfree also allows you to send money to any Paytm Wallet, Amazon Pay Wallet, UPI ID or native wallets in addition to bank accounts, even on holidays. Lastly, all of this can be automated and built into your product or internal systems using our powerful Payouts APIs."
### Is it simpler to send bulk payouts file uploads or via APIs?
Using bulk file uploads or manual transfers requires no technical expertise and is the quickest way to get started. However, if you want to automate the payouts from your product or ERP, APIs should be used. Integrating the API can take a day or two depending on the complexity of integration. Many businesses start by using the bulk file upload or manual transfer option, and gradually automate operations by integrating the API. View developer documentation here.
### Do you support payouts to and from other countries?
"Yes, it is possible to send bulk payouts to beneficiaries in India from another country using Global Payouts.The funds can be added by the businesses in USD, EUR and other freely convertible currencies. The purpose of the payment must be known while setting up the account.
An Indian business can also send a payout to other countries. However, there are restrictions around the volume of payments and the purpose of payments. Get in touch with us to learn more."
### Can I assign maker-checker roles to request and approve transfers?
Yes, you, as an admin, can create aliases and assign different access to play specific roles. You can assign the created aliases as Approver and Initiator roles for direct and batch transfers. Once the Initiator requests a transfer, the request gets listed in the ‘Approve’ tab of the ‘Transfers’ screen. The Approver can view the details and approve or reject the request. This will help distribute responsibility and ensures accountability with respect to transfers.
Know more: [https://docs.cashfree.com/docs/initiator-approver](https://docs.cashfree.com/docs/initiator-approver)
### How can I track the real-time status once a payout has been initiated?
When you make a Payout to your party, there are various states that the transfers may go through before the amount reaches the beneficiary account.
- [Pending](https://docs.cashfree.com/docs/payouts-lifecycle#pending)
When the transfer status is yet to be confirmed, the payout is in the Pending state. At this point, the partner bank could be processing the payout and no further action is required from your end.
The Pending state can transition into:
- Success state, if the payout is successful.
- Failed state, if the payout fails.
- [Failed](https://docs.cashfree.com/docs/payouts-lifecycle#failed)
When the payout request fails, the payout is in the Failed state. Failed is a final state and does not allow transitioning to any other state. You can reinitiate the transfers which have failed.
For failed transfers, if any amount is debited, it will be reversed to you by the remitter bank within 24 hours.
A payout can indicate a Failed state due to various reasons, such as:
- The beneficiary account details are wrong and not validated. To avoid this, you can validate the beneficiary account details using the [bank account verification](https://docs.cashfree.com/docs/verify-bank-account) feature.
- There is no sufficient balance in your Payouts recharge account. To avoid this, you can specify the balance in the [Low Balance Alert](https://docs.cashfree.com/docs/manage-funds#set-low-balance-alert) section. If the balance goes below the amount specified, Cashfree Payments sends you a notification.
- Remitter or beneficiary bank servers are down.
- [Success](https://docs.cashfree.com/docs/payouts-lifecycle#success)
When the remitter's bank has completed the transfer, the payout is in the Success state.
The Success state can transition into the Reversed state if the beneficiary bank reverses the transfer.
- [Reversed](https://docs.cashfree.com/docs/payouts-lifecycle#reversed)
A payout can be in the Reversed state due to various reasons, such as:
- Incorrect account details
- Reversal by the clearinghouse
- Reversal by the beneficiary bank
Reversed is a final state and does not allow transitioning to any other state. Cashfree credits the original amount to your Payouts account.
### What happens in case the account details are incorrect?
Transfers to incorrect account details fail instantly. For certain banks, it may take up to 24 hours to receive a confirmation of failure. To ensure that account details are correct, you can activate Cashfree Bank Account Verification and verify the beneficiary account validity and beneficiary name at the bank.
### Can I request a recall for funds transferred through Cashfree if there was a mistake in the transfer?
"Yes. If you are a payouts account holder, you can request to recall funds transferred to a party if there was a mistake in the transfer made. For example, incorrect beneficiary account details entered the wrong amount specified, or any other valid reason.
To raise a recall request:
Write to Cashfree at dispute@cashfree.com and include all the payout-related details.
Cashfree raises the request with the partner bank.
The bank raises the request with NPCI or RBI, depending on the payment method.
It is ideal to raise the request within 45 days from the date of transfer. The recall process timeline depends on the payment mode.
Note: There is no surety or confirmation guaranteed on recall requests. Most of the cases require the end beneficiary's consent. At times, the bank requests an indemnity letter from the beneficiary."
### Can I receive notifications about payment status changes and other events related to my transfers and payouts?
Yes, with Webhooks.
Webhooks are events that notify you about the payment status. All Payout integrations should establish a webhook to listen to payout events, like status changes on payments.
Webhooks help you receive automatic updates and are significant for completing the integration with Cashfree Payments. Webhooks are triggered with a request from your side, for example, when a transfer fails or when a daily report is available. Requests get processed both synchronously and asynchronously. In rare scenarios, for some payment methods, the outcome may take a longer duration to confirm. Cashfree Payments notify you once we get updates from the bank about the payment status.
To configure webhooks, follow the steps [here](https://docs.cashfree.com/docs/payouts-notifications).
### Is it possible to receive daily email notifications on my transfers?
Yes. You can set your preferences to receive daily email updates about:
- The transfers made the previous day
- Payouts that are pending
- Credits and debits to your Payouts account
- Cashgrams that were created the previous day
- Credits made to your Payouts Account
- Transfer reversals made the previous day
To receive email notifications, follow the steps [here](https://docs.cashfree.com/docs/set-email-notifications).
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Fund Sources
Add multiple fund sources and make payouts directly.
[Learn More](https://www.cashfree.com/connected-banking/)
### Global Payouts
Add funds in USD, EUR and other currencies and send money to your sellers, service providers or freelancers in India directly to their local bank account in India.
[Learn More](https://www.cashfree.com/send-money-to-india/global-payouts/)
### Bank Account Verification
Use complete verification suite for e-KYC and verify beneficiary bank account or UPI ID before sending money. IFSC verification API is now available \[Free\].
[Learn More](https://www.cashfree.com/bank-account-verification/)
### Payment Gateway
Accept domestic and international payments for your website or app
[Learn More](https://www.cashfree.com/payment-gateway-india/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Payout%20Page&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe]()
## Cashfree Events Overview
# Events
## Explore our ever-expanding product capabilities on end-to-end business payment needs-live and on-demand.
Upcoming Events
#### At the moment there are no scheduled events.
Checkout the recordings of the past events from Cashfree Payments.
## Past Events
#### \[Webinar\] Winning Strategies: Capitalising surge in demand during major sports events
2024 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=aIhnkhTXfi4)
#### \[Webinar\] Wix masterclass – Building a successful online business
2024 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=h2ftmqgQywA)
#### \[Webinar\] Decoding Bharat BillPay for businesses in India
2024 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=E8ez1iQCpk0)
#### \[Webinar\] Decoding Escrow for Salary Payouts
2023 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=oI3sutOjrCA)
#### Cashfree Payments Webinar: Escrow & it’s Role in Money Movement
2023 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=nZbjLV9hi3I)
#### \[Webinar\] Going Digital First : Automating Loan Repayment with NBFCs and LSPs by Cashfree Payments
2023 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=AQW8zNKHMMI)
#### \[Webinar\] Cashfree Payments with AuthBridge – Transforming user KYC for businesses
2023 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=jgnr58p5xEs)
#### \[Webinar\] Streamlining Cross Border Payments
2023 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=OJGHmaBnX4E)
#### Navigating the Digital Lending Guidelines – A deep dive into RBI’s FAQs
2023 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=54Cuik309PE)
#### Digital Lending 2.0: Unlocking New Opportunities for Growth
2023 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=3vh4LzrIp7o&feature=youtu.be)
#### The UPI AutoPay Opportunity – Unlocking subscription payments for 26 crore Indians
2022 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=-1OujOe2Pyw&themeRefresh=1)
#### \[ Webinar\] RBI Digital Lending Guidelines 101 \| Cashfree Payments
2022 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=tfJ8Xl12aOM&t=11s)
#### Global Fintech Festival 2022
2022 •
Mumbai
[Watch Video](https://youtu.be/B95QGBHgI2w)
#### Inc 42 \| The D2C Summit 3.0
2022 •
Virtual
[Watch Video](https://vimeo.com/750634404/dc8f50890e)
#### ET Future of Money Summit 2022
2022 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=AmCoahZu82k)
#### Atmanirbhar Bharat Summit
2022 •
In-person
[Watch Video](https://www.linkedin.com/posts/eletsgov_aatmanirbhar-aatmanirbharbharatabhiyan-activity-6925772612170063872-KI-S?utm_source=linkedin_share&utm_medium=member_desktop_web)
#### How to build and scale a D2C Brand in India
2022 •
Virtual
[Watch Video](https://vimeo.com/686684437)
#### The future of E-commerce in India
2022 •
Virtual
[Watch Video](https://vimeo.com/690463195)
#### Card Tokenization 101 \| Know from experts
2022 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=EnMKlhpF-VA)
#### The Promise of softPOS Webinar
2022 •
Virtual
[Watch Video](https://www.youtube.com/watch?v=Q2Y4iVPbQwc)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?Events%20Page&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Cashfree Developer Studio
# Cashfree SDK & API Playground
Welcome to the playground for developers, offering an
immersive environment where you can freely explore,
experiment, and play with various APIs and SDKs offered by
Cashfree Payments.
Checkout Canvas !! NEW
Customize every detail in your checkout and make it completely yours
[Try Now](https://www.cashfree.com/devstudio/canvas)
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- [Secure ID](https://www.cashfree.com/devstudio/secureid)
# Payment Gateway
'%3e%3crect%20width='36'%20height='36'%20fill='white'/%3e%3cmask%20id='mask0_527_53'%20style='mask-type:alpha'%20maskUnits='userSpaceOnUse'%20x='0'%20y='0'%20width='36'%20height='36'%3e%3crect%20width='36'%20height='36'%20fill='%23D9D9D9'/%3e%3c/mask%3e%3cg%20mask='url(%23mask0_527_53)'%3e%3cpath%20d='M9.5%2033C8.25%2033%207.1875%2032.5625%206.3125%2031.6875C5.4375%2030.8125%205%2029.75%205%2028.5V24H9.5V3L11.75%205.25L14%203L16.25%205.25L18.5%203L20.75%205.25L23%203L25.25%205.25L27.5%203L29.75%205.25L32%203V28.5C32%2029.75%2031.5625%2030.8125%2030.6875%2031.6875C29.8125%2032.5625%2028.75%2033%2027.5%2033H9.5ZM27.5%2030C27.925%2030%2028.2812%2029.8562%2028.5688%2029.5687C28.8563%2029.2812%2029%2028.925%2029%2028.5V7.5H12.5V24H26V28.5C26%2028.925%2026.1438%2029.2812%2026.4313%2029.5687C26.7188%2029.8562%2027.075%2030%2027.5%2030ZM9.5%2030H23V27H8V28.5C8%2028.925%208.14375%2029.2812%208.43125%2029.5687C8.71875%2029.8562%209.075%2030%209.5%2030Z'%20fill='%231C1B1F'/%3e%3c/g%3e%3cpath%20d='M19.372%209C18.1094%209%2017.0859%2010.0234%2017.0859%2011.286H25.5703C26.8329%2011.286%2027.8564%2010.2626%2027.8564%209H19.372Z'%20fill='%231C1B1F'/%3e%3cpath%20d='M17.0859%2011.286C17.0859%2010.0234%2018.1094%209%2019.372%209V17.4846C19.372%2018.747%2018.3485%2019.7706%2017.0859%2019.7706V11.286Z'%20fill='%231C1B1F'/%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M20.0977%2012.0469V14.3329H22.7642C24.0268%2014.3329%2025.0502%2013.3095%2025.0502%2012.0469H20.0977Z'%20fill='%231C1B1F'/%3e%3cpath%20d='M14%2014.3329C14%2013.0705%2015.0234%2012.0469%2016.286%2012.0469V20.5315C16.286%2021.7941%2015.2626%2022.8175%2014%2022.8175V14.3329Z'%20fill='%231C1B1F'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_527_53'%3e%3crect%20width='36'%20height='36'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)
#### Cashfree Checkout
Experience effortless and secure transactions with our checkout powered by Cashfree
'%3e%3cpath%20d='M1%2018.3083V17.3083H3V4.53906H21V17.3083H23V18.3083H1ZM10%2017.3083H14V16.5391H10V17.3083ZM4%2015.5391H20V5.53906H4V15.5391Z'%20fill='%231C1B1F'/%3e%3c/g%3e%3c/svg%3e)
#### Web
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\\
**Redirect Checkout Low Effort** Languages:\\
HTML, React JS](https://www.cashfree.com/devstudio/preview/pg/web/checkout) ['%3e%3cg%20clip-path='url(%23clip1_527_78)'%3e%3cpath%20opacity='0.2'%20d='M2.5%209.5H29.5V3.875C29.5%203.57663%2029.3815%203.29048%2029.1705%203.07951C28.9595%202.86853%2028.6734%202.75%2028.375%202.75H3.625C3.32663%202.75%203.04048%202.86853%202.82951%203.07951C2.61853%203.29048%202.5%203.57663%202.5%203.875V9.5Z'%20fill='%236FC59A'/%3e%3cpath%20d='M28.375%202.75H3.625C3.00368%202.75%202.5%203.25368%202.5%203.875V24.125C2.5%2024.7463%203.00368%2025.25%203.625%2025.25H28.375C28.9963%2025.25%2029.5%2024.7463%2029.5%2024.125V3.875C29.5%203.25368%2028.9963%202.75%2028.375%202.75Z'%20stroke='%236FC59A'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cpath%20d='M2.5%209.5H29.5'%20stroke='%236FC59A'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cmask%20id='path-4-inside-1_527_78'%20fill='white'%3e%3crect%20x='10'%20y='6'%20width='12'%20height='16'%20rx='1'/%3e%3c/mask%3e%3crect%20x='10'%20y='6'%20width='12'%20height='16'%20rx='1'%20fill='white'%20stroke='%236FC59A'%20stroke-width='4'%20mask='url(%23path-4-inside-1_527_78)'/%3e%3c/g%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_527_78'%3e%3crect%20width='32'%20height='28'%20fill='white'/%3e%3c/clipPath%3e%3cclipPath%20id='clip1_527_78'%3e%3crect%20width='36'%20height='36'%20fill='white'%20transform='translate(-2%20-4)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)\\
\\
**Popup Checkout Low Effort** Languages:\\
HTML, React JS](https://www.cashfree.com/devstudio/preview/pg/web/popupCheckout) ['%3e%3cpath%20opacity='0.2'%20d='M1.5%209.5H28.5V3.875C28.5%203.57663%2028.3815%203.29048%2028.1705%203.07951C27.9595%202.86853%2027.6734%202.75%2027.375%202.75H2.625C2.32663%202.75%202.04048%202.86853%201.82951%203.07951C1.61853%203.29048%201.5%203.57663%201.5%203.875V9.5Z'%20fill='%236FC59A'/%3e%3cpath%20d='M27.375%202.75H2.625C2.00368%202.75%201.5%203.25368%201.5%203.875V24.125C1.5%2024.7463%202.00368%2025.25%202.625%2025.25H27.375C27.9963%2025.25%2028.5%2024.7463%2028.5%2024.125V3.875C28.5%203.25368%2027.9963%202.75%2027.375%202.75Z'%20stroke='%236FC59A'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cpath%20d='M1.5%209.5H28.5'%20stroke='%236FC59A'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cmask%20id='path-4-inside-1_527_84'%20fill='white'%3e%3crect%20x='17'%20y='10'%20width='12'%20height='15'%20rx='1'/%3e%3c/mask%3e%3crect%20x='17'%20y='10'%20width='12'%20height='15'%20rx='1'%20fill='white'%20stroke='%236FC59A'%20stroke-width='4'%20mask='url(%23path-4-inside-1_527_84)'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_527_84'%3e%3crect%20width='30'%20height='28'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)\\
\\
**Inline Checkout Low Effort** Languages:\\
HTML, React JS](https://www.cashfree.com/devstudio/preview/pg/web/inlineCheckout)
#### Mobile
['%3e%3cpath%20d='M1.66699%2030C1.91699%2027.0278%202.82671%2024.2917%204.39616%2021.7917C5.9656%2019.2917%208.05588%2017.3056%2010.667%2015.8333L7.58366%2010.5C7.41699%2010.25%207.37533%209.98611%207.45866%209.70833C7.54199%209.43056%207.72255%209.22222%208.00032%209.08333C8.22255%208.94444%208.47255%208.91667%208.75032%209C9.0281%209.08333%209.25032%209.25%209.41699%209.5L12.5003%2014.8333C14.8892%2013.8333%2017.3892%2013.3333%2020.0003%2013.3333C22.6114%2013.3333%2025.1114%2013.8333%2027.5003%2014.8333L30.5837%209.5C30.7503%209.25%2030.9725%209.08333%2031.2503%209C31.5281%208.91667%2031.7781%208.94444%2032.0003%209.08333C32.2781%209.22222%2032.4587%209.43056%2032.542%209.70833C32.6253%209.98611%2032.5837%2010.25%2032.417%2010.5L29.3337%2015.8333C31.9448%2017.3056%2034.035%2019.2917%2035.6045%2021.7917C37.1739%2024.2917%2038.0837%2027.0278%2038.3337%2030H1.66699ZM11.667%2025.4167C12.2503%2025.4167%2012.7434%2025.2153%2013.1462%2024.8125C13.5489%2024.4097%2013.7503%2023.9167%2013.7503%2023.3333C13.7503%2022.75%2013.5489%2022.2569%2013.1462%2021.8542C12.7434%2021.4514%2012.2503%2021.25%2011.667%2021.25C11.0837%2021.25%2010.5906%2021.4514%2010.1878%2021.8542C9.78505%2022.2569%209.58366%2022.75%209.58366%2023.3333C9.58366%2023.9167%209.78505%2024.4097%2010.1878%2024.8125C10.5906%2025.2153%2011.0837%2025.4167%2011.667%2025.4167ZM28.3337%2025.4167C28.917%2025.4167%2029.41%2025.2153%2029.8128%2024.8125C30.2156%2024.4097%2030.417%2023.9167%2030.417%2023.3333C30.417%2022.75%2030.2156%2022.2569%2029.8128%2021.8542C29.41%2021.4514%2028.917%2021.25%2028.3337%2021.25C27.7503%2021.25%2027.2573%2021.4514%2026.8545%2021.8542C26.4517%2022.2569%2026.2503%2022.75%2026.2503%2023.3333C26.2503%2023.9167%2026.4517%2024.4097%2026.8545%2024.8125C27.2573%2025.2153%2027.7503%2025.4167%2028.3337%2025.4167Z'%20fill='%2384D0AA'/%3e%3c/g%3e%3c/svg%3e)\\
\\
**Android Low Effort** Languages:\\
Java, Kotlin](https://www.cashfree.com/devstudio/preview/pg/mobile/android) ['%3e%3cpath%20d='M32.9867%2031.1721C32.3817%2032.5696%2031.6657%2033.856%2030.8361%2035.0387C29.7053%2036.651%2028.7794%2037.767%2028.0658%2038.3867C26.9597%2039.404%2025.7745%2039.925%2024.5054%2039.9546C23.5943%2039.9546%2022.4956%2039.6953%2021.2166%2039.1694C19.9335%2038.646%2018.7542%2038.3867%2017.676%2038.3867C16.5452%2038.3867%2015.3324%2038.646%2014.0351%2039.1694C12.7359%2039.6953%2011.6893%2039.9694%2010.8891%2039.9966C9.67205%2040.0484%208.459%2039.5126%207.24817%2038.3867C6.47536%2037.7127%205.50872%2036.5572%204.35073%2034.9202C3.1083%2033.1721%202.08685%2031.145%201.28663%2028.8339C0.429617%2026.3377%200%2023.9205%200%2021.5803C0%2018.8997%200.579242%2016.5876%201.73945%2014.6502C2.65128%2013.0939%203.86433%2011.8663%205.38255%2010.9651C6.90078%2010.0639%208.54122%209.60465%2010.3078%209.57527C11.2745%209.57527%2012.5421%209.87427%2014.1173%2010.4619C15.6882%2011.0515%2016.6968%2011.3505%2017.139%2011.3505C17.4696%2011.3505%2018.5901%2011.0009%2020.4895%2010.3039C22.2857%209.65749%2023.8017%209.38984%2025.0437%209.49527C28.409%209.76687%2030.9373%2011.0935%2032.6188%2013.4835C29.609%2015.3072%2028.1201%2017.8614%2028.1498%2021.1381C28.1769%2023.6904%2029.1028%2025.8143%2030.9225%2027.5006C31.7472%2028.2833%2032.6681%2028.8883%2033.6928%2029.3179C33.4706%2029.9623%2033.236%2030.5796%2032.9867%2031.1721ZM25.2684%200.800228C25.2684%202.80068%2024.5375%204.6685%2023.0808%206.39734C21.3228%208.45259%2019.1965%209.6402%2016.8906%209.4528C16.8612%209.21281%2016.8442%208.96023%2016.8442%208.6948C16.8442%206.77437%2017.6802%204.71912%2019.1649%203.03868C19.9061%202.18784%2020.8487%201.48038%2021.9919%200.916025C23.1326%200.360092%2024.2116%200.0526484%2025.2264%200C25.256%200.26743%2025.2684%200.534902%2025.2684%200.800228Z'%20fill='%2384D0AA'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_377_189'%3e%3crect%20width='33.6928'%20height='40'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)\\
\\
**iOS Low Effort** Languages:\\
Swift, Objective C](https://www.cashfree.com/devstudio/preview/pg/mobile/ios) [\\
\\
**Hybrid Low Effort** Languages:\\
Flutter, React Native](https://www.cashfree.com/devstudio/preview/pg/mobile/hybrid)
'%3e%3crect%20width='36'%20height='36'%20fill='white'/%3e%3cmask%20id='mask0_529_122'%20style='mask-type:alpha'%20maskUnits='userSpaceOnUse'%20x='0'%20y='0'%20width='36'%20height='36'%3e%3crect%20width='36'%20height='36'%20fill='%23D9D9D9'/%3e%3c/mask%3e%3cg%20mask='url(%23mask0_529_122)'%3e%3cpath%20d='M9.5%2033C8.25%2033%207.1875%2032.5625%206.3125%2031.6875C5.4375%2030.8125%205%2029.75%205%2028.5V24H9.5V3L11.75%205.25L14%203L16.25%205.25L18.5%203L20.75%205.25L23%203L25.25%205.25L27.5%203L29.75%205.25L32%203V28.5C32%2029.75%2031.5625%2030.8125%2030.6875%2031.6875C29.8125%2032.5625%2028.75%2033%2027.5%2033H9.5ZM27.5%2030C27.925%2030%2028.2812%2029.8562%2028.5688%2029.5687C28.8563%2029.2812%2029%2028.925%2029%2028.5V7.5H12.5V24H26V28.5C26%2028.925%2026.1438%2029.2812%2026.4313%2029.5687C26.7188%2029.8562%2027.075%2030%2027.5%2030ZM9.5%2030H23V27H8V28.5C8%2028.925%208.14375%2029.2812%208.43125%2029.5687C8.71875%2029.8562%209.075%2030%209.5%2030Z'%20fill='%231C1B1F'/%3e%3c/g%3e%3cg%20clip-path='url(%23clip1_529_122)'%3e%3cpath%20d='M28.9188%2012.6133C31.0281%2010.768%2033.5%208.06328%2033.5%205.5C30.9367%205.5%2028.232%207.97188%2026.3906%2010.0813C27.4506%2010.6761%2028.3256%2011.5524%2028.9188%2012.6133Z'%20fill='white'/%3e%3cpath%20d='M17.25%2019.875H23.1875C23.991%2019.875%2024.7764%2019.6367%2025.4445%2019.1903C26.1126%2018.744%2026.6333%2018.1095%2026.9408%2017.3672C27.2482%2016.6248%2027.3287%2015.808%2027.1719%2015.0199C27.0152%2014.2319%2026.6283%2013.508%2026.0601%2012.9399C25.492%2012.3717%2024.7681%2011.9848%2023.9801%2011.8281C23.192%2011.6713%2022.3752%2011.7518%2021.6328%2012.0592C20.8905%2012.3667%2020.256%2012.8874%2019.8097%2013.5555C19.3633%2014.2236%2019.125%2015.009%2019.125%2015.8125C19.125%2018.625%2017.25%2019.875%2017.25%2019.875Z'%20fill='white'%20stroke='%231C1B1F'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cpath%20d='M24.7822%2012.075C26.2814%2010.0539%2030.0205%205.5%2033.5002%205.5C33.5002%208.97969%2028.9463%2012.7187%2026.9252%2014.218'%20stroke='%231C1B1F'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cpath%20d='M26.3999%2011C27.2491%2011.4754%2027.5245%2011.7508%2027.9999%2012.6'%20stroke='%231C1B1F'%20stroke-width='3'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3c/g%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_529_122'%3e%3crect%20width='36'%20height='36'%20fill='white'/%3e%3c/clipPath%3e%3cclipPath%20id='clip1_529_122'%3e%3crect%20width='20'%20height='20'%20fill='white'%20transform='translate(16%203)'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)
#### Custom Checkout
Customize your checkout UI effortlessly with Cashfree integration
'%3e%3cpath%20d='M1%2018.3083V17.3083H3V4.53906H21V17.3083H23V18.3083H1ZM10%2017.3083H14V16.5391H10V17.3083ZM4%2015.5391H20V5.53906H4V15.5391Z'%20fill='%231C1B1F'/%3e%3c/g%3e%3c/svg%3e)
#### Web
[\\
\\
**Cards High Effort** Languages:\\
HTML, React JS](https://www.cashfree.com/devstudio/preview/pg/web/card)
'%3e%3cg%20clip-path='url(%23clip1_529_154)'%3e%3cpath%20d='M18.54%203.51503L30.915%2010.2903C31.0917%2010.387%2031.2392%2010.5294%2031.3421%2010.7025C31.445%2010.8757%2031.4995%2011.0733%2031.5%2011.2747V24.7241C31.4995%2024.9255%2031.445%2025.1231%2031.3421%2025.2963C31.2392%2025.4694%2031.0917%2025.6118%2030.915%2025.7085L18.54%2032.4838C18.3744%2032.5744%2018.1887%2032.6219%2018%2032.6219C17.8113%2032.6219%2017.6256%2032.5744%2017.46%2032.4838L5.085%2025.7085C4.9083%2025.6118%204.76079%2025.4694%204.65789%2025.2963C4.55498%2025.1231%204.50046%2024.9255%204.5%2024.7241V11.2747C4.50046%2011.0733%204.55498%2010.8757%204.65789%2010.7025C4.76079%2010.5294%204.9083%2010.387%205.085%2010.2903L17.46%203.51503C17.6256%203.42443%2017.8113%203.37695%2018%203.37695C18.1887%203.37695%2018.3744%203.42443%2018.54%203.51503Z'%20stroke='%231C1B1F'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cpath%20d='M18%2018V32.625'%20stroke='%231C1B1F'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cpath%20d='M4.50439%2017.6816L11.2502%2021.3759V29.0877'%20stroke='%231C1B1F'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cpath%20d='M31.5%2017.6797L24.75%2021.3753V29.0872'%20stroke='%231C1B1F'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cpath%20d='M11.6914%206.67188L17.9998%2010.1256L24.3083%206.67188'%20stroke='%231C1B1F'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3cpath%20d='M4.66016%2010.6953L17.9998%2017.9994L31.3395%2010.6953'%20stroke='%231C1B1F'%20stroke-width='2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3c/g%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_529_154'%3e%3crect%20width='36'%20height='36'%20fill='white'/%3e%3c/clipPath%3e%3cclipPath%20id='clip1_529_154'%3e%3crect%20width='36'%20height='36'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)
#### API
[\\
\\
**Seamless Low Effort** Languages:\\
HTML, React JS](https://www.cashfree.com/devstudio/preview/pg/seamless)
'%3e%3cpath%20d='M26.3668%2030.1677L9.3335%2013.1344L6.4335%2016.0344L12.5335%2022.1344L10.6668%2024.001L2.66683%2016.001L7.4335%2011.2344L1.8335%205.63438L3.7335%203.73438L28.2668%2028.2677L26.3668%2030.1677ZM24.5668%2020.7677L22.6668%2018.8677L25.5668%2015.9677L19.4668%209.86771L21.3335%208.00104L29.3335%2016.001L24.5668%2020.7677Z'%20fill='%231C1B1F'/%3e%3c/g%3e%3c/svg%3e)
#### No Code Solutions
Checkout powered by Cashfree, enabling merchants to integrate without any coding required
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**Payment Links Low Effort**](https://docs.cashfree.com/docs/payment-links-introduction) ['%3e%3cmask%20id='mask0_532_221'%20style='mask-type:alpha'%20maskUnits='userSpaceOnUse'%20x='0'%20y='-1'%20width='37'%20height='37'%3e%3crect%20y='-1'%20width='36.3755'%20height='36.3755'%20fill='%23D9D9D9'/%3e%3c/mask%3e%3cg%20mask='url(%23mask0_532_221)'%3e%3cpath%20d='M7.57817%2030.8285C6.74456%2030.8285%206.03094%2030.5317%205.43732%2029.9381C4.84369%2029.3444%204.54688%2028.6308%204.54688%2027.7972V6.57817C4.54688%205.74456%204.84369%205.03094%205.43732%204.43732C6.03094%203.84369%206.74456%203.54688%207.57817%203.54688H28.7972C29.6308%203.54688%2030.3444%203.84369%2030.9381%204.43732C31.5317%205.03094%2031.8285%205.74456%2031.8285%206.57817V16.733C31.3485%2016.5056%2030.856%2016.3099%2030.3507%2016.1457C29.8455%2015.9815%2029.3277%2015.8615%2028.7972%2015.7857V6.57817H7.57817V27.7972H16.7478C16.8236%2028.3529%2016.9436%2028.8834%2017.1078%2029.3886C17.272%2029.8938%2017.4678%2030.3738%2017.6951%2030.8285H7.57817ZM7.57817%2027.7972V6.57817V15.7857V15.672V27.7972ZM10.6095%2024.7659H16.7857C16.8615%2024.2354%2016.9815%2023.7176%2017.1457%2023.2124C17.3099%2022.7072%2017.493%2022.2146%2017.6951%2021.7346H10.6095V24.7659ZM10.6095%2018.7033H19.8549C20.6632%2017.9455%2021.5663%2017.314%2022.5641%2016.8088C23.5619%2016.3036%2024.6292%2015.9625%2025.7659%2015.7857V15.672H10.6095V18.7033ZM10.6095%2012.6407H25.7659V9.60946H10.6095V12.6407Z'%20fill='%236FC59A'/%3e%3c/g%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M27%2033C30.866%2033%2034%2029.866%2034%2026C34%2022.134%2030.866%2019%2027%2019C23.134%2019%2020%2022.134%2020%2026C20%2029.866%2023.134%2033%2027%2033ZM23.8474%2022.6024C23.9433%2022.6983%2024.0733%2022.7521%2024.2089%2022.7521H25.2312C25.6845%2022.7522%2026.125%2022.9028%2026.4834%2023.1804C26.8418%2023.4579%2027.0979%2023.8467%2027.2114%2024.2856H24.2089C24.0733%2024.2856%2023.9433%2024.3394%2023.8474%2024.4353C23.7516%2024.5312%2023.6977%2024.6612%2023.6977%2024.7967C23.6977%2024.9323%2023.7516%2025.0623%2023.8474%2025.1582C23.9433%2025.254%2024.0733%2025.3079%2024.2089%2025.3079H27.2114C27.0979%2025.7468%2026.8418%2026.1355%2026.4834%2026.4131C26.125%2026.6907%2025.6845%2026.8413%2025.2312%2026.8414H24.2155C24.1409%2026.84%2024.067%2026.8552%2023.9989%2026.8857C23.9309%2026.9163%2023.8704%2026.9615%2023.8219%2027.0182C23.7405%2027.1136%2023.6963%2027.2353%2023.6977%2027.3607C23.6986%2027.4421%2023.7191%2027.5222%2023.7576%2027.594C23.796%2027.6658%2023.8512%2027.7273%2023.9185%2027.7732L27.49%2030.3244C27.5446%2030.3634%2027.6064%2030.3912%2027.6718%2030.4063C27.7372%2030.4215%2027.8049%2030.4235%2027.8711%2030.4125C27.9374%2030.4014%2028.0007%2030.3774%2028.0577%2030.3419C28.1146%2030.3063%2028.164%2030.2599%2028.203%2030.2053C28.242%2030.1506%2028.2699%2030.0888%2028.285%2030.0234C28.3001%2029.958%2028.3022%2029.8903%2028.2911%2029.8241C28.2801%2029.7578%2028.2561%2029.6945%2028.2205%2029.6375C28.185%2029.5806%2028.1386%2029.5312%2028.0839%2029.4922L25.7444%2027.8207C26.3718%2027.7139%2026.9506%2027.4147%2027.4005%2026.9645C27.8504%2026.5143%2028.1493%2025.9354%2028.2557%2025.3079H29.8315C29.9671%2025.3079%2030.0971%2025.254%2030.193%2025.1582C30.2888%2025.0623%2030.3427%2024.9323%2030.3427%2024.7967C30.3427%2024.6612%2030.2888%2024.5312%2030.193%2024.4353C30.0971%2024.3394%2029.9671%2024.2856%2029.8315%2024.2856H28.2557C28.1596%2023.7148%2027.9035%2023.183%2027.517%2022.7521H29.8315C29.9671%2022.7521%2030.0971%2022.6983%2030.193%2022.6024C30.2888%2022.5066%2030.3427%2022.3765%2030.3427%2022.241C30.3427%2022.1054%2030.2888%2021.9754%2030.193%2021.8795C30.0971%2021.7837%2029.9671%2021.7298%2029.8315%2021.7298H24.2089C24.0733%2021.7298%2023.9433%2021.7837%2023.8474%2021.8795C23.7516%2021.9754%2023.6977%2022.1054%2023.6977%2022.241C23.6977%2022.3765%2023.7516%2022.5066%2023.8474%2022.6024Z'%20fill='%236FC59A'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_532_221'%3e%3crect%20width='36'%20height='36'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)\\
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**Payment Forms Low Effort**](https://docs.cashfree.com/docs/payment-forms-introduction) ['%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M4.3254%2022.2226C4.97039%2022.4075%205.74575%2022.5%206.65148%2022.5H18.5446C18.6671%2022.1752%2018.8089%2021.86%2018.9687%2021.5556H6.65148V14.9444H29.7064V17.6256C30.9913%2018.1493%2032.1191%2018.9783%2033%2020.0225V14.9444C33%2014.6847%2032.6775%2014.4624%2032.0325%2014.2774C31.3875%2014.0925%2030.6122%2014%2029.7064%2014H6.65148C5.74575%2014%204.97039%2014.0925%204.3254%2014.2774C3.68041%2014.4624%203.35791%2014.6847%203.35791%2014.9444V21.5556C3.35791%2021.8153%203.68041%2022.0376%204.3254%2022.2226Z'%20fill='%236FC59A'/%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M27%2033C30.866%2033%2034%2029.866%2034%2026C34%2022.134%2030.866%2019%2027%2019C23.134%2019%2020%2022.134%2020%2026C20%2029.866%2023.134%2033%2027%2033ZM23.8475%2022.6028C23.9433%2022.6986%2024.0733%2022.7525%2024.2089%2022.7525H25.2312C25.6845%2022.7525%2026.125%2022.9032%2026.4834%2023.1807C26.8418%2023.4583%2027.0979%2023.847%2027.2114%2024.2859H24.2089C24.0733%2024.2859%2023.9433%2024.3398%2023.8475%2024.4357C23.7516%2024.5315%2023.6977%2024.6615%2023.6977%2024.7971C23.6977%2024.9327%2023.7516%2025.0627%2023.8475%2025.1585C23.9433%2025.2544%2024.0733%2025.3082%2024.2089%2025.3082H27.2114C27.0979%2025.7471%2026.8418%2026.1359%2026.4834%2026.4134C26.125%2026.691%2025.6845%2026.8416%2025.2312%2026.8417H24.2155C24.141%2026.8404%2024.067%2026.8555%2023.999%2026.8861C23.9309%2026.9167%2023.8705%2026.9619%2023.822%2027.0186C23.7405%2027.114%2023.6964%2027.2356%2023.6977%2027.361C23.6986%2027.4425%2023.7192%2027.5225%2023.7576%2027.5943C23.7961%2027.6662%2023.8513%2027.7276%2023.9186%2027.7735L27.49%2030.3247C27.5446%2030.3637%2027.6064%2030.3916%2027.6718%2030.4067C27.7372%2030.4218%2027.805%2030.4239%2027.8712%2030.4128C27.9374%2030.4018%2028.0008%2030.3778%2028.0577%2030.3422C28.1147%2030.3067%2028.1641%2030.2603%2028.2031%2030.2056C28.2421%2030.151%2028.2699%2030.0892%2028.285%2030.0238C28.3002%2029.9584%2028.3022%2029.8906%2028.2912%2029.8244C28.2801%2029.7582%2028.2561%2029.6948%2028.2206%2029.6379C28.185%2029.5809%2028.1386%2029.5316%2028.084%2029.4926L25.7444%2027.8211C26.3719%2027.7143%2026.9506%2027.4151%2027.4005%2026.9649C27.8505%2026.5147%2028.1493%2025.9358%2028.2557%2025.3082H29.8316C29.9672%2025.3082%2030.0972%2025.2544%2030.193%2025.1585C30.2889%2025.0627%2030.3427%2024.9327%2030.3427%2024.7971C30.3427%2024.6615%2030.2889%2024.5315%2030.193%2024.4357C30.0972%2024.3398%2029.9672%2024.2859%2029.8316%2024.2859H28.2557C28.1596%2023.7152%2027.9035%2023.1834%2027.5171%2022.7525H29.8316C29.9672%2022.7525%2030.0972%2022.6986%2030.193%2022.6028C30.2889%2022.5069%2030.3427%2022.3769%2030.3427%2022.2413C30.3427%2022.1058%2030.2889%2021.9757%2030.193%2021.8799C30.0972%2021.784%2029.9672%2021.7302%2029.8316%2021.7302H24.2089C24.0733%2021.7302%2023.9433%2021.784%2023.8475%2021.8799C23.7516%2021.9757%2023.6977%2022.1058%2023.6977%2022.2413C23.6977%2022.3769%2023.7516%2022.5069%2023.8475%2022.6028Z'%20fill='%236FC59A'/%3e%3crect%20x='9'%20y='17'%20width='13'%20height='3'%20fill='%236FC59A'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_532_245'%3e%3crect%20width='36'%20height='36'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)\\
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**Payment Buttons Low Effort**](https://docs.cashfree.com/docs/cashfree-payment-button)
'%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M13.4334%2011.0333C13.4334%2010.4624%2012.971%2010%2012.4%2010H8.78322C5.99709%2010%203.67972%2012.0047%203.1943%2014.6498H1.03333C0.462403%2014.6498%200%2015.1122%200%2015.6832C0%2016.2541%200.462403%2016.7165%201.03333%2016.7165H3.1943C3.67998%2019.3618%205.99722%2021.3663%208.78322%2021.3663H12.4C12.971%2021.3663%2013.4334%2020.9039%2013.4334%2020.333V19.2997H15.5C16.071%2019.2997%2016.5334%2018.8372%2016.5334%2018.2663C16.5334%2017.6954%2016.071%2017.233%2015.5%2017.233H13.4334V14.133H15.5C16.071%2014.133%2016.5334%2013.6706%2016.5334%2013.0997C16.5334%2012.5287%2016.071%2012.0663%2015.5%2012.0663H13.4334V11.0333ZM11.3667%2012.0667H8.78338C6.78646%2012.0667%205.16656%2013.6864%205.16656%2015.6835C5.16656%2017.6806%206.78629%2019.3003%208.78338%2019.3003H11.3667V12.0667Z'%20fill='black'/%3e%3cpath%20fill-rule='evenodd'%20clip-rule='evenodd'%20d='M19.1167%2011.0333C19.1167%2010.4624%2019.5791%2010%2020.15%2010H22.7334C25.5195%2010%2027.8369%2012.0047%2028.3223%2014.6498H29.9666C30.5375%2014.6498%2030.9999%2015.1122%2030.9999%2015.6832C30.9999%2016.2541%2030.5375%2016.7165%2029.9666%2016.7165H28.3223C27.8366%2019.3618%2025.5194%2021.3663%2022.7334%2021.3663H20.15C19.5791%2021.3663%2019.1167%2020.9039%2019.1167%2020.333V11.0333ZM22.7335%2012.0667C24.7304%2012.0667%2026.3503%2013.6864%2026.3503%2015.6835C26.3503%2017.6806%2024.7306%2019.3003%2022.7335%2019.3003H21.1835V12.067L22.7335%2012.0667Z'%20fill='black'/%3e%3c/g%3e%3c/svg%3e)
#### Plugins
Enable merchants to integrate smoothly via plugins for our checkout powered by Cashfree
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**Shopify Low Effort**](https://docs.cashfree.com/docs/shopify) [\\
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**WooCommerce Low Effort**](https://docs.cashfree.com/docs/woocommerce) ['%3e%3cmask%20id='mask0_532_310'%20style='mask-type:alpha'%20maskUnits='userSpaceOnUse'%20x='-5'%20y='-6'%20width='36'%20height='36'%3e%3crect%20x='13'%20y='-6'%20width='25.4558'%20height='25.4558'%20transform='rotate(45%2013%20-6)'%20fill='%23D9D9D9'/%3e%3c/mask%3e%3cg%20mask='url(%23mask0_532_310)'%3e%3cpath%20d='M7.375%2016.875L8.125%2017.625L9.5125%2016.2375L14.7625%2016.2375L18.25%2012.75L12.25%206.75L8.7625%2010.2375L8.7625%2015.4875L7.375%2016.875ZM4.375%2016.875L6.625%2014.625L6.625%209.375L10.75%205.25C11.1625%204.8375%2011.6625%204.63125%2012.25%204.63125C12.8375%204.63125%2013.3375%204.8375%2013.75%205.25L14.5%206L13%206L16.75%202.25L18.25%203.75L15.25%206.75L18.25%209.75L21.25%206.75L22.75%208.25L19%2012V10.5L19.75%2011.25C20.1625%2011.6625%2020.3688%2012.1625%2020.3688%2012.75C20.3688%2013.3375%2020.1625%2013.8375%2019.75%2014.25L15.625%2018.375L10.375%2018.375L8.125%2020.625L4.375%2016.875Z'%20fill='%236FC59A'/%3e%3c/g%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_532_310'%3e%3crect%20width='27'%20height='23'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)\\
\\
**Others**](https://docs.cashfree.com/docs/plugins)
#### Resources
Utilize Cashfree's integration resources for effortless setup
#### Server SDKs
[\\
\\
**Go**](https://pkg.go.dev/github.com/cashfree/cashfree_pg/v3) [\\
\\
**PHP**](https://packagist.org/packages/cashfree/cashfree-pg-sdk-php) [\\
\\
**Java**](https://central.sonatype.com/artifact/com.cashfree.pg.java/cashfree_pg) [\\
\\
**NodeJS**](https://www.npmjs.com/package/cashfree-pg) ['%3e%3cpath%20d='M32%2011.6937H28.7093V21.7804H26.8093V11.6937H23.5267V10.0404H32V11.6937ZM22.864%2021.7804H16.436V10.0404H22.6093V11.6937H18.336V15.0191H22.2733V16.6644H18.336V20.1364H22.864V21.7804ZM13.92%2021.7804H11.8427L6.37333%2013.1511C6.23653%2012.9363%206.1213%2012.7085%206.02933%2012.4711H5.98133C6.024%2012.7231%206.04533%2013.2604%206.04533%2014.0844V21.7804H4.20933V10.0404H6.42133L11.708%2018.4671C11.9307%2018.8151%2012.0747%2019.0564%2012.1387%2019.1871H12.1707C12.1173%2018.8764%2012.0907%2018.3484%2012.0907%2017.6071V10.0391H13.92V21.7804ZM2.316%2020.8564C2.316%2021.0017%202.28602%2021.1455%202.22778%2021.2797C2.16953%2021.4139%202.08416%2021.5358%201.97655%2021.6384C1.86894%2021.7411%201.7412%2021.8225%201.60064%2021.878C1.46007%2021.9334%201.30943%2021.9619%201.15733%2021.9617C1.00523%2021.9617%200.854624%2021.9331%200.714119%2021.8775C0.573614%2021.8218%200.445969%2021.7403%200.338482%2021.6375C0.230995%2021.5347%200.145776%2021.4127%200.0876966%2021.2785C0.0296173%2021.1442%20-0.000182633%2021.0003%208.42091e-07%2020.8551C0.000370809%2020.5621%200.122467%2020.2813%200.339469%2020.0743C0.556471%2019.8673%200.850632%2019.7511%201.15733%2019.7511C1.30943%2019.7509%201.46007%2019.7794%201.60064%2019.8348C1.7412%2019.8903%201.86894%2019.9717%201.97655%2020.0744C2.08416%2020.177%202.16953%2020.2989%202.22778%2020.4331C2.28602%2020.5673%202.316%2020.7111%202.316%2020.8564Z'%20fill='%2304AB61'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_369_221'%3e%3crect%20width='32'%20height='32'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)\\
\\
**.Net**](https://www.nuget.org/packages/cashfree_pg) [\\
\\
**Python**](https://pypi.org/project/cashfree-pg/)
## Card Issuance Solutions
## issuance
# Card issuance
for fintechs and platforms
Plug-and-play
## card issuance stack
to
## Issue co-branded cards
to your employees, customers and partners for loyalty and rewards, payroll, expense management and more
Payroll & Gig
Economy platforms
Logistics
platforms
Fintech
E-commerce &
retail chains
[Contact Sales](https://www.cashfree.com/undefined/contact-sales/?source-action=card%20issuance&action=Contact%20Sales&button-id=ContactSales_Hero)
For Businesses and platforms
## Use Cases
## Payroll & Incentive Cards
Disburse salary & incentives to employees, gig workers, & freelancers
## Campus Cards
Issue campus cards to students for seamless on-campus and online payments
## Expense Cards
Issue expense cards for zero-paper expense management and better control
## Loyalty & Refund Wallets Cards
Launch a loyalty program through our closed loop wallets and cards
## Forex & Transit Cards
**(coming soon)**
Launch single and multi-currency co-branded forex cards
## Corporate Credit Cards
**(coming soon)**
Create co-branded credit card programs for your employees, customers and partners
For platforms
Why should you have your own card program?Issuance gives you the flexibility, control & customization to launch your own card program for your customers, employees or partners with our multiple PPI partners in a matter of weeks
- **Personalised to your brand**
With co-branded cards, give a customised experience to your users
- **Visibility and control**
Control card usage and assign limits
- **DIY**
Choose your card design, customise your program, add your logo,and make it truly your own without the need to get a PPI licence
- **Customised instruments**
Choose from custom physical & virtual cards, wallets or enable the program on a wearable!
Why Cashfree Payments card stack?
- Easy to integrate. Go-live in 3 weeks
- Low code APIs & dashboard access for easy creation of programs
- Dedicated integration & customer support
- Bundled re-payment and collection flows
- Sub-wallets for easier customization
- Enable the program on a wearable
[Contact Sales](https://www.cashfree.com/undefined/contact-sales/?source-action=card%20issuance&action=Contact%20Sales&button-id=ContactSales_WhyCFCardStack)
Get an edge
Cashfree Payments vs other
## card issuance platforms
Set up fees
Turn around time
Ease of service
Product Suite
Cashfree Payments
Low
3 Weeks
Dedicated Account Manager
Full stack card issuance stack along with other payment solutions like Payment Gateway, Payouts, Bank Account Verification among others.
Other Card Issuance Platforms
Very High
>3 months
Multiple points of contact
No support for other payment related solutions like Payment Gateway, Payouts etc
Cashfree Payments
**Set up fees**
Low
**Turn around time**
3 Weeks
**Ease of service**
Dedicated Account Manager
**Product Suite**
Full stack card issuance stack along with other payment solutions like Payment Gateway, Payouts, Bank Account Verification among others.
Other Card Issuance Platforms
**Set up fees**
Very High
**Turn around time**
>3 months
**Ease of service**
Multiple points of contact
**Low code & no code**
No support for other payment related solutions like Payment Gateway, Payouts etc
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### Does Cashfree Payments use their own PPI license for the card program?
Cashfree Payments has integrated with bank and non-bank PPI partners for the card issuance stack.
### Will Cashfree help with the printing and designing of the cards?
Cashfree has vendor partners who can provide the printing and delivery of the cards at nominal charges.
### Do I get a dashboard with the Card Management System?
You can opt to get dashboard access to issue cards and manage cards. In addition to the dashboard you can use Cashfree Payments Card Issuance API suite and integrate the Card Management System in your own application/system.
### What will be the KYC process for the cards?
The KYC process varies depending on the PPI license on which the card is issued. KYC can be an Aadhar based KYC, a biometric based KYC or cKYC, depending on the card program that is created. Please reach out to your Account Manager for more details.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Want to know more about
Banking as a Service?
[Download Whitepaper](https://events.cashfree-mail.com/iaas-whitepaper?utm_source=Card-issuance&utm_medium=landing-page&utm_campaign=Download-WhitePaper)
Explore other products
### Payouts
Fastest and easiest way to send money to any bank account/ UPI ID/ Wallet or cards, instantly 24x7, even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Autocollect
Automatically track customer payments with virtual bank accounts. No more manual reconciliation.
[Learn More](https://www.cashfree.com/virtual-payment-address/)
Get Started
If you are a neo-bank, fintech, or internet platform looking to offer banking services to your users, contact us. Our product experts will reach out to you within 24 hours.
[Talk to us](https://www.cashfree.com/undefined/contact-sales/?source-action=card%20issuance&action=Contact%20Sales&button-id=ContactSales_Footer)
## Automated KYC Solutions
# Automated KYC
Managed KYC Suite
Customise, manage and launch your onboarding journeys instantly for trusted KYC verification.
- \> 99% success rate
- 100% uptime
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Automated%20KYC&action=Contact%20Sales&button-id=ContactSales_Hero)
100M+
Monthly verifications
50%
Reduction in onboarding drop-offs
1 sec
Response time for > 90% requests
## Flexible solutions for your business needs
No-Code KYC LinksInstant Onboarding SDKs
No-Code KYC Links
Send your users KYC links through email, SMS and WhatsApp to verify them for onboarding, high-value purchases, regulatory requirements, and more. Improve your user acquisition by 20%.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_NoCodeKYCLinks)
Instant Onboarding SDKs
Use our extensive single-mobile app SDKs to auto-verify user PII details against relevant databases while onboarding. Ready-made UI screens allow better user experience.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_InstantOnBoardingSDKs)
Why Managed KYC Suite?
- Go-live faster
- Real-time Verification
- Compliant Solutions
Go-live faster
- ### Save developer hours with our no-code solutions
- ### Go live faster with our instant onboarding SDKs
- ### Automate your onboarding process. Customise as you go.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_GoLiveFaster)
Real-time Verification
- ### Perform user or vendor KYC during onboarding or before payouts
- ### Get instant responses with 99% accuracy
- ### Validate against updated official databases
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_RealTimeVerification)
Compliant Solutions
- ### Stay compliant with regulatory requirements and KYC Master Direction
- ### Bank-grade data security ensured
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_CompliantSolutions)
Go-live faster
Go-live faster
- ### Save developer hours with our no-code solutions
- ### Go live faster with our instant onboarding SDKs
- ### Automate your onboarding process. Customise as you go.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_GoLiveFaster)
Real-time Verification
Real-time Verification
- ### Perform user or vendor KYC during onboarding or before payouts
- ### Get instant responses with 99% accuracy
- ### Validate against updated official databases
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_RealTimeVerification)
Compliant Solutions
Compliant Solutions
- ### Stay compliant with regulatory requirements and KYC Master Direction
- ### Bank-grade data security ensured
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_CompliantSolutions)
API Stacks Powering our Managed KYC Suite
Pick and choose from our comprehensive stack of APIs for your use case, for user or vendor onboarding or making before making any payouts or refunds.
- ### 50% cost optimisation
- ### 50% TAT reduction
###  Bank Account/UPI Verification
Instantly verify your users' bank accounts and UPI details to ensure secure and seamless transactions.
###  Documents Verification
Authenticate users by quickly and accurately verifying their official documents, including Aadhaar, PAN, DL, Voter ID, and Passport.
###  AI-Powered Facial Recognition & Location Check
Enhance security with AI-driven facial recognition with high-precision Face Match and Liveness Detection. Perform real-time location verification with Reverse GeoCoding.
###  KYB Solutions
Simplify business onboarding with comprehensive Know Your Business (KYB) solutions tailored to your platform.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_APIStacksPoweringKYCSuite)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Managed KYC by Cashfree Verification Suite?
Managed KYC by Cashfree Verification Suite offers a comprehensive solution for automating the KYC process. With no-code solutions like KYC Link and low-code Instant Onboarding SDKs, it handles user verification seamlessly, allowing businesses to focus on growth while ensuring compliance and security.
### What kinds of verifications can be done via the Managed KYC suite?
Managed KYC Suite enables businesses to design and build custom onboarding/KYC journeys with multiple verifications such as identity verification through official documents, bank account and UPI verification, AI-driven facial recognition, location checks, and KYB solutions for business verification.
### How customisable are the solutions from Managed KYC Suite?
The solutions from Managed KYC Suite are highly customisable, allowing businesses to tailor the verification process to their specific needs.
### How reliable is the information verified?
The data is sourced directly from updated government databases, ensuring 99% accuracy.
### How secure is the data validated and verified with Cashfree Payments’ Verification Solutions?
The data is secure as our APIs only fetch and pass information to the merchants. We do not store any data in our systems.
### How can I get started with Cashfree Payments’ Managed KYC?
You can begin by creating an account on Cashfree Payments or booking a demo through our Contact Sales form. Our representatives will guide you through the process.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Automated%20KYC&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092888135&cv=11&fst=1744092888135&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509683~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fautomated-kyc%2F&hn=www.googleadservices.com&frm=0&tiba=Automated%20KYC%20and%20AML%20Checks%20from%20Cashfree%20Verification%20Suite&npa=0&pscdl=noapi&auid=129130042.1744092888&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092888191&cv=11&fst=1744092888191&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509683~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fautomated-kyc%2F&hn=www.googleadservices.com&frm=0&tiba=Automated%20KYC%20and%20AML%20Checks%20from%20Cashfree%20Verification%20Suite&npa=0&pscdl=noapi&auid=129130042.1744092888&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092888184&cv=11&fst=1744092888184&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509683~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fautomated-kyc%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Automated%20KYC%20and%20AML%20Checks%20from%20Cashfree%20Verification%20Suite&npa=0&pscdl=noapi&auid=129130042.1744092888&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=531227505.1744092888>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=1198645572)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Cashfree Partner Integrations
Partner Ecosystem
# Cashfree Payments Partner Eco-system
Explore this space for amazing offers on our partner apps
## Platform Partners
Hassle-free partner integrations with all leading plug-ins & platforms
[Shopify\\
\\
Shopify powers millions of businesses worldwide with an all-in-one commerce platform to start, run and grow a business. To know more about how to connect Cashfree payments to your Shopify store.\\
\\
Connect](https://www.cashfree.com/shopify-payment-gateway-india/)
[Wix\\
\\
Wix’s powerful technology allows everyone to get online with a personalized, professional web presence. To know more about how you can use Cashfree to accept payments online for your Wix store.\\
\\
Connect](https://www.cashfree.com/wix-payment-gateway/)
[Zoho Books\\
\\
Zoho Books is a comprehensive cloud accounting platform that takes care of your business finance. To know more about how you can use Cashfree to accept payments online on Zoho books.\\
\\
Connect](https://marketplace.zoho.com/app/books/cashfree-payments-for-zoho-books)
[Outdo Cart\\
\\
OutdoCart is an Ecommerce platform made in India for Indian Businesses, with robust support in local languages.\\
\\
Connect](https://outdocart.com/?utm_source=cashfree)
[Woo Commerce\\
\\
WooCommerce is a customizable, open-source eCommerce platform built on WordPress.\\
\\
Connect](https://wordpress.org/plugins/cashfree/)
[Shiprocket\\
\\
Lakhs of eCommerce businesses have chosen Shiprocket to streamline their customer journey shipping to returns and beyond. Coupon Offer: 50% Cashback up to 5k, on the first wallet recharge of Minimum 1000. Applicable on the first wallet recharge for each user. Use Code: CASHFREE2000 \| Limited Period Offer On First Recharge\\
\\
Connect](https://app.shiprocket.in/register?utm_source=Channel_Partner&utm_term=SRCP1041)
Partner offers curated to you
[GET1000\\
\\
Shipway One\\
\\
Get Rs.1,000 Cashback on a Wallet Recharge of Rs.1000. Limited time period offer.\\
\\
Book a Demo Now!](https://app.shipway.com/demo?demo_request_from=cashfree1000)
[First month free\\
\\
Legodesk\\
\\
Legodesk digitizes debt collections and recoveries for Lenders and Businesses and automates the journey end-to-end to manage delinquent customers.\\
\\
Get Offer](https://cashfreepayments.typeform.com/to/c0loNjbh)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Partner%20Integration&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=701703994.1744092890>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=93655703)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092889889&cv=11&fst=1744092889889&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpartner-integration%2F&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20Partner%20Integrations%20%7C%20Hassle-free%20Integrations%20%26%20Amazing%20Offers!&npa=0&pscdl=noapi&auid=1176268287.1744092889&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092889946&cv=11&fst=1744092889946&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpartner-integration%2F&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20Partner%20Integrations%20%7C%20Hassle-free%20Integrations%20%26%20Amazing%20Offers!&npa=0&pscdl=noapi&auid=1176268287.1744092889&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092889938&cv=11&fst=1744092889938&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpartner-integration%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20Partner%20Integrations%20%7C%20Hassle-free%20Integrations%20%26%20Amazing%20Offers!&npa=0&pscdl=noapi&auid=1176268287.1744092889&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Digital KYC Solutions
# Digital KYC
Digital KYC Solutions
Simplify identity verification and ensure regulatory compliance with our advanced Digital KYC solutions.
- \> 99% success rate
- 100% uptime
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Digital%20KYC&action=Contact%20Sales&button-id=ContactSales_Hero)
100M+
Monthly verifications
50%
Reduction in onboarding drop-offs
1 sec
Response time for > 90% requests
Comprehensive Digital KYC solutions in one place
- Real-time User Identity Verification
- Faster Onboarding
- 100% Compliant Solutions
- Fraud Prevention
Real-time User Identity Verification
- ### Verify documents against updated databases
- ### Perform facial recognition with AI-powered Face Match and Liveness Detection
- ### Check the live location with GeoLocation API
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_RealTimeUserIdentityVerification)
Faster Onboarding
- ### Onboard users fast backed by high success rate and accuracy rate
- ### Reduce onboarding and manual verification costs
- ### Manage verification traffic and navigate downtimes with our robust infrastructure
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_FasterOnboarding)
100% Compliant Solutions
- ### Stay compliant with regulatory requirements and KYC Master Direction
- ### Bank-grade data security ensured
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_CompliantSolutions)
Fraud Prevention
- ### Screen out fraudulent actors at source
- ### Safeguard your business, and customers against identity theft
- ### Ensure the highest standards of security
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_FraudPrevention)
Real-time User Identity Verification
Real-time User Identity Verification
- ### Verify documents against updated databases
- ### Perform facial recognition with AI-powered Face Match and Liveness Detection
- ### Check the live location with GeoLocation API
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_RealTimeUserIdentityVerification)
Faster Onboarding
Faster Onboarding
- ### Onboard users fast backed by high success rate and accuracy rate
- ### Reduce onboarding and manual verification costs
- ### Manage verification traffic and navigate downtimes with our robust infrastructure
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_FasterOnboarding)
100% Compliant Solutions
100% Compliant Solutions
- ### Stay compliant with regulatory requirements and KYC Master Direction
- ### Bank-grade data security ensured
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_CompliantSolutions)
Fraud Prevention
Fraud Prevention
- ### Screen out fraudulent actors at source
- ### Safeguard your business, and customers against identity theft
- ### Ensure the highest standards of security
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_FraudPrevention)
Discover More
Explore all APIs for Digital KYC
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_ExploreAllAPIsforDigitalKYC)
Aadhaar Verification
Verify Aadhaar of users instantly via OTP flow for user consent
[Know More](https://www.cashfree.com/aadhaar-verification/)
Aadhaar Masking Solution
Mask the first eight digits and block QR code of Aadhaar Card before storage
[Know More](https://www.cashfree.com/aadhaar-masking-solution/)
Aadhaar via OCR
Scan Aadhaar Card images to fetch and pre-fill details during onboarding
[Know More](https://docs.cashfree.com/reference/aadhaar-verification-via-ocr)
Aadhaar via Digilocker
Gain consented access to users' Aadhaar Card stored in DigiLocker
[Know More](https://www.cashfree.com/digilocker-api/)
PAN Verification
Verify provided PAN of an individual or business in real-time
[Know More](https://www.cashfree.com/PAN-verification/)
PAN via OCR
Scan PAN card image to fetch and pre-fill details during onboarding
[Know More](https://docs.cashfree.com/reference/pan-ocr-verification)
DL Verification
Authenticate Driving License Number during onboarding and background checks
[Know More](https://www.cashfree.com/driving-license-verification-api/)
Voter ID Card Verification
Verify EPIC number and fetch complete details including assembly and parliamentary constituency details
[Know More](https://www.cashfree.com/voter-id-verification/)
Passport Verification
Verify Passport File Number and DOB, during onboarding and background checks
[Know More](https://www.cashfree.com/passport-verification-api/)
Face Match & Liveness Detection
Compare faces between two images or IDs. Verify if the customer is genuine and or a bot
[Know More](https://www.cashfree.com/face-match-api/)
GeoLocation Check
Convert a given pair of latitude and longitude to get a readable address location
[Know More](https://www.cashfree.com/geolocation-api/)
Name Match
Compare provided user name with name mentioned on document, associated with bank account and more
[Know More](https://docs.cashfree.com/reference/namematch)
## Digital KYC Solution Tailored For All Businesses
Banks & NBFCs
Ensure compliance and verify user identity before account opening, claim settlements and loan disbursals
ECommerce & HyperLocal
Verify user identity, ensure payouts to the right beneficiaries and enhance user experience
Marketplaces
Confirm buyer and seller identities to enhance trust and security in transactions
Social Media and Matrimony
Confirm user identities to enhance platform trust and safety
HR & Staffing
Accurately verify candidate identities to ensure a trustworthy hiring process and faster employee onboarding
Gaming
Verify player identities to comply with regulations and prevent underage access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_DigitalKYCSolutionTailoredforallBusinesses)
Explore APIs Go-live With Developer-Friendly APIs For Digital KYC
Instantly integrate powerful APIs with your product using only a few lines of code and automate the onboarding process.
- Highly reliable and secure APIs
- Choose from different programming languages to integrate with your product using the proprietary Cashfree Payments libraries
- Get notified on single or bulk verification status in real-time with webhooks
[View API Documentation](https://docs.cashfree.com/reference/verification-api-overview)
```javascript
{
"status": "SUCCESS",
"ref_id": 21637861,
"verification_id": "21637861",
"face_match_result": "YES",
"face_match_score": 0.95,
"mask_detected_first_image": true,
"mask_detected_score_first_image": 0.7,
"mask_detected_second_image": true,
"mask_detected_score_second_image": 0.7
}
```
Our Customer Success Stories
What we really like about Bank Account Verification feature is that it's extremely quick, and real-time. This feature helped us enhance the user experience - making the document approval and beneficiary onboarding very seamless.
Zaheer Adenwala
Co-Founder at Ketto
Cashfree Verification Team has built an amazing stack and launched some pioneering products like UPI 360. Having worked with more than 10+ players in this space, I can say that they are one of the most innovative players!
Mehul Nath Jindal
CEO & Co-Founder, BharatX
What we really like about Bank Account Verification feature is that it's extremely quick, and real-time. This feature helped us enhance the user experience - making the document approval and beneficiary onboarding very seamless.
Zaheer Adenwala
Co-Founder at Ketto
Cashfree Verification Team has built an amazing stack and launched some pioneering products like UPI 360. Having worked with more than 10+ players in this space, I can say that they are one of the most innovative players!
Mehul Nath Jindal
CEO & Co-Founder, BharatX
What we really like about Bank Account Verification feature is that it's extremely quick, and real-time. This feature helped us enhance the user experience - making the document approval and beneficiary onboarding very seamless.
Zaheer Adenwala
Co-Founder at Ketto
- 1
- 2
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Digital KYC as per KYC Master Direction?
“Digital KYC” means capturing live photo of the customer and officially valid document or proof of possession of Aadhaar, where offline verification cannot be carried out, along with the latitude and longitude of the location where such live photo is being taken by an authorised officer of the RE.
### What is Face Match?
Face Match is a facial authentication method that compares the facial features captured in a live image or video with a reference image to verify an individual's identity. It ensures that the person presenting themselves for verification matches the photo on their ID document.
### What is a Liveliness Check?
A Liveliness Check is a security measure used in facial authentication to ensure that the facial features presented for verification are from a live person, not a still image or video. It detects movements or other indicators of liveness to prevent spoofing attempts.
### How can we do Digital KYC with Cashfree Payments Verification Suite?
Cashfree Payments Verification Suite offers various methods to verify official documents, which can be done directly on the dashboard as a self-serve or API Integration. Moreover, documents such as Aadhaar and PAN can be verified by input of the number or via OCR as well. Aadhaar can also be verified via OTP and DigiLocker. Facial authentication is done by comparing images or photographs, whereas live location checking is done via reverse geocoding.
### How does Digital KYC help businesses?
Digital KYC helps businesses streamline customer onboarding processes, reduce paperwork, and enhance security and compliance. It enables faster verification, reduces operational costs, and provides a seamless user experience, ultimately improving customer satisfaction and trust.
### How much time does Digital KYC Verification take?
Our API will respond instantly when you submit the request.
### How reliable is the information verified?
The data is directly fetched from the updated government databases; hence is highly reliable/accurate.
### How secure is the data validated and verified with Cashfree Payments’ Verification Suite?
The data is secure and safe as our APIs only fetch and pass the information to the merchants. No data is stored in our systems.
### How do I get started with Cashfree Payments’ Verification Suite?
You can start by creating an account on Cashfree Payments or booking a Demo by filling out our Contact Sales form. Our representatives will then contact you.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20KYC&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Vehicle RC Verification
# RC Verification
## Vehicle RC Verification
Authenticate vehicle registration and ownership in real-time. Fetch accurate and comprehensive results, backed by industry-best success rates.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=RC%20Verification%20API&action=Sign%20Up&button-id=StartNow_Hero)
## Instant RC Verification
Leverage our Vehicle RC Verification solution for swift and reliable validation of vehicle registration details. Enhance trust, prevent fraud, and streamline applications with accurate ownership and registration status checks.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=RC%20Verification%20API&action=Sign%20Up&button-id=StartNow_InstantRCVerification)
### Verify via dashboard or API
Integrate our RC Verification API on your platform with just a few lines of code, or verify RC number directly from the dashboard as you go.
### Accuracy with security
With our powerful solution, get an instant check and upfront fraud detection by verifying information from the official VAHAN Government Database.
### Real-time verification
Save your time and money on manual processes by verifying your vehicle details and owner details, online within seconds.
## RC Verification API
Input Vehicle RC Number and get an exhaustive output
### Vehicle Registration
Verify Vehicle Class, Chassis, Model, Type, BS Norm Type and Manufacturer Name apart from RC Status, Registration Date, RC Expiry Date etc.
[Explore API](https://docs.cashfree.com/reference/vehiclerc)
### Vehicle Ownership
Validate Owner Name, Address, District and Relative Name to match ownership details provided during application and onboarding.
[Explore API](https://docs.cashfree.com/reference/vehiclerc)
### Vehicle Insurance
Moreover, you also get information about Vehicle Insurance Provider, Insurance Policy Number and more.
[Explore API](https://docs.cashfree.com/reference/vehiclerc)
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=RC%20Verification%20API&action=Sign%20Up&button-id=StartNow_RCVerificationAPI)
Verify Vehicle RC
Integrate RC Verification API on your platform
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=RC%20Verification%20API&action=Sign%20Up&button-id=StartNow_VerifyVehicleRC)
Insurance
Ensure accurate vehicle information and mitigate fraud risks with RC Verification API, enhancing underwriting processes and claims management.
Lending
Verify vehicle registration details, mitigating risks associated with lending against fraudulent or unauthorized assets.
Ride-Hailing and Logistics
Streamline driver onboarding and enhance fleet management by verifying vehicle registration details swiftly with RC Verification API.
Pre-owned Vehicle Marketplaces
Boost buyer confidence and transaction security by validating vehicle ownership and registration status seamlessly using RC Verification API.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Vehicle RC Verification?
Vehicle RC Verification involves authenticating the information listed on a vehicle’s registration certificate, ensuring its compliance with legal standards and authenticity.
### What significance does Vehicle RC Verification hold?
Vehicle RC Verification is crucial for preventing fraud, upholding legal compliance, and safeguarding the interests of stakeholders involved in vehicle transactions.
### How is Vehicle RC Verification performed?
Vehicle RC Verification can be carried out via Cashfree Payments’ dashboard or through API integration which validates the provided RC Number against the official VAHAN government databases.
### Which industries can benefit from RC Verification?
Businesses across various sectors, including insurance, transportation, logistics, and financial services, can leverage RC Verification to authenticate vehicle details and enhance security.
### What is the input and output response for RC Verification API by Cashfree Payments?
The RC Verification API requires vehicle registration details as input and provides responses regarding vehicle class, chassis, model, type, BS norm type, manufacturer name, RC status, registration date, RC expiry date, and more. It also validates vehicle ownership by verifying owner's name, owner address, and relative name to match the ownership details provided during the application and onboarding processes. It also provides information about the vehicle insurance provider, insurance policy number, and other relevant insurance details.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other Cashfree Payments products
### Verification Suite
Explore our comprehensive verification suite for user and business identity verification.
[Learn More](https://www.cashfree.com/kyc-verification/)
### Payouts
Easiest way to make payouts to any bank account, UPI ID, card, AmazonPay, Paytm or other native wallet 24\*7 instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Payment Gateway
Collect domestic and international payments on your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI e mandate.
[Learn More](https://www.cashfree.com/recurring-payment/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=RC%20Verification%20API&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Recurring Payments Solution
## SUBSCRIPTIONS
Unlock predictable revenue by automating your
# recurring payments
Collect
## repeat payments
easily with the most advanced
## recurring payments solution
. Convert and retain more customers through higher success rates on mandate creation and auto-debit.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Subscriptions%20Page&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Subscriptions%20Page&action=Contact%20Sales&button-id=ContactSales_Hero)
## Offer the right payment mode for every customer
UPI AutoPaye-NACHCardsPhysical NACH
### UPI AutoPay
## Collect recurring payments
upto ₹15,000 instantly through UPI AutoPay. On-board your customer or borrowers within 30 seconds. Reduce loss of revenue with 30% higher success rates on mandate creation.
UPI intent flow supported on:
& more
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Subscriptions%20Page&action=Contact%20Sales&button-id=ContactSales_UPIAutopay)
### e-NACH
Enable same-day mandate creation for upto ₹10 Lakhs via e-NACH or e-Mandate. Guarantee faster, superior checkout experience to your customers on netbanking or debit card based authentication.
50+ banks supported
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Subscriptions%20Page&action=Contact%20Sales&button-id=ContactSales_ENACH)
### Cards
Debit card
Expand your subscription business to 90+ crore debit card users in India by allowing recurring payment set up via debit card.
Credit card
Easily enable repeat purchases and subscriptions by accepting recurring payments on credit cards and deliver uninterrupted service.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Subscriptions%20Page&action=Contact%20Sales&button-id=ContactSales_Cards)
### Physical NACH
Provide the convenience of auto-debit to customers who do not have access to digital banking. Set up easy loan recollection with just a one-time signature approval from your borrowers via Physical NACH.
[Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Subscriptions%20Page&action=Sign%20Up&button-id=ContactSales_PhysicalNACH)
Cashfree's Subscriptions is built for
Ed-tech startups
NBFCs & Digital Lending apps
Investment firms
Insurance providers
OTT platforms
Ecommerce companies
## Recurring payment
collection models tailored for every business
- Fixed model
- ## Usage based model
- ## Variable model
## Automate recurring payment
collection for a predefined amount across any predefined interval (daily, weekly, monthly, yearly) based on your business needs.
Use cases:
Loan recollection
SIP
Ed-tech courses
OTT billing
BRANCH, a digital lending platform, uses the fixed model of Cashfree Subscriptions for
## automatic loan recollection
and also to levy late fees.
Looking to auto-debit variable amounts based on the services used? Opt for the usage based model and charge different amounts over a fixed interval for the product or service subscribed to.
Use cases:
Utility bills
Postpaid models
Fixed model
## Automate recurring payment
collection for a predefined amount across any predefined interval (daily, weekly, monthly, yearly) based on your business needs.
Use cases:
Loan recollection
SIP
Ed-tech courses
OTT billing
BRANCH, a digital lending platform, uses the fixed model of Cashfree Subscriptions for
## automatic loan recollection
and also to levy late fees.
## Usage based model
Looking to auto-debit variable amounts based on the services used? Opt for the usage based model and charge different amounts over a fixed interval for the product or service subscribed to.
Use cases:
Utility bills
Postpaid models
## Variable model
An end-to-end solution for all
## recurring payment
needs
### Brand the checkout your way
Integrate the ready-to-use
## Subscriptions API
with your mobile app or website and deliver a seamless, branded checkout experience to your customers with no redirects. [Know more](https://docs.cashfree.com/reference/create-seamless-subscription)
You can also use our Dashboard to create subscription plans, add customers and share payment links via Email or SMS.
### Do away with payment failures
Prevent loss of revenue due to failed payments with our payment retry APIs. [Know more](https://docs.cashfree.com/reference/retry-payment)
### Enjoy same day settlements
Why wait for T+2\* days when you can receive all your subscription payments on the same day, even on bank holidays. [Know more](https://www.cashfree.com/instant-settlements/)
### Split payments with vendors
Automate your vendor payouts by splitting payments on every transaction. Deduct your commissions, auto-credit payments to the partners or re-sellers' account based on the chosen settlements cycle. [Know more](https://www.cashfree.com/easy-split/split-payment-gateway/)
## Compliance made easy with our complete solution for digital lending
NBFCs and Fintechs use Cashfree to collect repayments, disburse credit, and co-lend - all compliant with RBI's Digital Lending Guidelines.
[Digital Lending Solution](https://www.cashfree.com/nbfc-digital-lending-solutions/) [UPI Autopay](https://www.cashfree.com/upi-autopay/)
### Collect repayments with ease across methods
Best-in-class success rates for automated debits across payment methods and irrevocable mandates on UPI PSPs to cover > 95% of users
UPI Autopay
e-Nach
Cards
### Disburse loans from multiple accounts
Connect multiple existing current or escrow accounts and switch between them and our multi-bank support helps you avoid downtimes
& More
### Secure yourself from fraud with account verification
Automate bank account verification for e-KYC and validation before disbursing credit, and track collections from designated accounts
API-based verification for:
Bank Account
PAN
GSTIN
ENGINEERED FOR YOU
Is integration taking a lot of tech effort? Don't worry! We've developer friendly APIs and integrations
[Product guide ](https://docs.cashfree.com/docs/subscriptions) API documentation
PRICING
## Simple and transparent pricing
## E - mandate
₹7.5 + ₹7.5
₹7.5
mandate creation
+
₹7.5
per presentation
## UPI AutoPay
₹7.5 + ₹5
₹7.5
mandate creation
+
₹5
per presentation
For auto debit amount less than INR 1000
₹7.5
mandate creation
+
₹15
per presentation
For auto debit amount of INR 1000 and above
## Cards
₹7.5 + ₹7.5
Mastercard
Visa
₹7.5
mandate creation
+
₹7.5
per presentation
Platform fees per transaction applies separately
\*No Hidden Charges
ENTERPRISES
Custom pricing designed for enterprises
- Early access to new features
- Dedicated account manager
- Discounted pricing
- Support over WhatsApp in addition to other channels
Get in touch with our sales team to explore the right product(s) for your payment needs and get custom pricing.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Subscriptions%20Page&action=Contact%20Sales&button-id=ContactSales_Pricing)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is a subscription model?
When you have a model where your customer is paying on a recurring basis for continuous usage of your product or service, it is called Subscription.
You can create a plan for the agreed duration using the charge model that is applicable for each customer and set automatic debits. The customer does not have to intervene with the payments after the initial checkout is completed.
### What are recurring payments?
A payment model where a customer authorizes a merchant to debit payments from their account automatically for any product or service on a recurring basis.
The customer needs to perform a one time approval to permit the merchant to directly debit their account. The payment cycle continues till the customer retracts the merchant&apos approval or the subscription expires.
Payment can be deducted at fixed (fixed amount at fixed intervals) or on-demand (variable amount, based on invoice generated by the merchant) basis. Recurring payments is most suited in the cases of repeat purchases or frequency based buying.
### How do recurring payments on Credit Cards work in India?
Credit cards provided by the popular card networks MasterCard and Visa support auto-deduction of recurring payment. For this the card holder needs to authorize the payment to the specified merchant which can be done through a normal Two-Factor Authentication or 3D Secure flow.
### What is two-factor authentication (2FA) and how does it work in case of recurring payments?
A card holder when authenticating the merchant to deduct recurring payments, needs to do a one-time transaction which is also the first transaction. To ensure the authenticity of the user and their account, an extra layer of security is added which involves passing the transaction request following a 2FA process.
In case of recurring payments, as the user does the 2FA, the auto-deduction is enabled.
### Which payment instruments can be used for making recurring payments?
UPI, Credit card, Debit cards and Nach or E-Mandate are the widely used instruments for recurring payments.
UPI: Autopay via popular UPI apps like PhonePe, Google Pay, Paytm, BHIM UPI, Amazon Pay and more.
Credit cards : MasterCard and Visa network cards-issued by any bank in India.
Debit cards: Mastercard and Visa network cards-issued by ICICI Bank, Kotak Mahindra Bank, Citibank and Canara Bank.
Nach or E mandate : A paperless authentication feature introduced by NPCI to debit from the Bank Account.
### As a merchant, can I cancel a plan or subscription from the dashboard?
Yes, you can cancel a plan or subscription. However once canceled, it can't be restored, you need to create a new plan or subscription
### We provide one subscription-multiple users model. Can we use Cashfree's recurring payments solution for our subscription management?
Yes, using Cashfree's Recurring Payments solution you can generate a subscription and through your internal system tag as many users as you wish to the subscription. Given the payment address will be single, Cashfree will process the billing for that address.
### Is e-mandate creation supported on Current Accounts?
Yes
### What is the maximum amount per debit request on e-NACH?
The maximum amount per debit set for e-NACH mandate is ₹10,00,000.
### What is the maximum amount per debit request on UPI AutoPay?
The maximum amount per debit set for UPI AutoPay is ₹15,000.
### What are the charges imposed on my customers while Mandate Creation?
A few banks charge the end-customer for the creation of the mandate. This charge, however, is not imposed by Cashfree Payments.
1.SBI -58/-
2.BOB -116/-
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### UPI AutoPay
Collect recurring payments upto ₹15,000 with one time mandate authentication from 20+ UPI apps and unlock assured revenue.
[Learn More](https://www.cashfree.com/upi-autopay/)
### Payment Gateway
Collect payments on your website or app through 180+ payment modes. Get settlements instantly credited to your account.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Easy Split
Split vendor commissions and manage marketplace settlements.
[Learn More](https://www.cashfree.com/easy-split/split-payment-gateway/)
### Payouts
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
\\* Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Subscriptions%20Page&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092902314&cv=11&fst=1744092902314&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Frecurring-payment%2F&hn=www.googleadservices.com&frm=0&tiba=Best%20Recurring%20Payments%20Solution%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1319593577.1744092900&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092902617&cv=11&fst=1744092902617&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Frecurring-payment%2F&hn=www.googleadservices.com&frm=0&tiba=Best%20Recurring%20Payments%20Solution%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1319593577.1744092900&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092902600&cv=11&fst=1744092902600&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Frecurring-payment%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Best%20Recurring%20Payments%20Solution%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1319593577.1744092900&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1801377150.1744092903>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=1152151283)
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## Digital Onboarding Solutions
# Digital Onboarding
Complete KYC Stack for Digital Onboarding
Streamline user onboarding and identity verification in full compliance with regulations. Reduce customer drop-offs, prevent fraud, and cut costs.
- \> 99% success rate
- 100% uptime
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Digital%20Onboarding&action=Contact%20Sales&button-id=ContactSales_Hero)
100M+
Monthly verifications
50%
Reduction in onboarding drop-offs
1 sec
Response time for > 90% requests
End-To-End KYC Solution For All Digital Onboarding Needs
- Real-time User Identity Verification
- Faster Digital Onboarding
- 100% Compliant Solutions
- Fraud Prevention
Real-time User Identity Verification
- ### Perform real-time identity verification against updated databases
- ### Explore a vast range of APIs for Proof of Identity, Address, Age and Employment
- ### Authenticate users with Facial Recognition APIs and Live Location Check
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_RealTimeIdentityVerification)
Faster Digital Onboarding
- ### Onboard users fast backed by high success rate and accuracy rate
- ### Reduce onboarding and manual verification costs
- ### Manage verification traffic and navigate downtimes with our robust infrastructure
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_FasterDigitalOnboarding)
100% Compliant Solutions
- ### Stay compliant with regulatory requirements and KYC Master Direction
- ### Bank-grade data security ensured
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_CompliantSolutions)
Fraud Prevention
- ### Screen out fraudulent actors at source
- ### Safeguard your business, and customers against identity theft
- ### Ensure the highest standards of security
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_FraudPrevention)
Real-time User Identity Verification
Real-time User Identity Verification
- ### Perform real-time identity verification against updated databases
- ### Explore a vast range of APIs for Proof of Identity, Address, Age and Employment
- ### Authenticate users with Facial Recognition APIs and Live Location Check
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_RealTimeIdentityVerification)
Faster Digital Onboarding
Faster Digital Onboarding
- ### Onboard users fast backed by high success rate and accuracy rate
- ### Reduce onboarding and manual verification costs
- ### Manage verification traffic and navigate downtimes with our robust infrastructure
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_FasterDigitalOnboarding)
100% Compliant Solutions
100% Compliant Solutions
- ### Stay compliant with regulatory requirements and KYC Master Direction
- ### Bank-grade data security ensured
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_CompliantSolutions)
Fraud Prevention
Fraud Prevention
- ### Screen out fraudulent actors at source
- ### Safeguard your business, and customers against identity theft
- ### Ensure the highest standards of security
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_FraudPrevention)
Discover More
Our Comprehensive API Stack For Digital Onboarding
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_APIStackforDigitalOnboarding)
Aadhaar Verification
Verify Aadhaar of users instantly via OTP flow for user consent
[Know More](https://www.cashfree.com/aadhaar-verification/)
Aadhaar Masking Solution
Mask the first eight digits and block QR code of Aadhaar Card before storage
[Know More](https://www.cashfree.com/aadhaar-masking-solution/)
Aadhaar via OCR
Scan Aadhaar Card images to fetch and pre-fill details during onboarding
[Know More](https://docs.cashfree.com/reference/aadhaar-verification-via-ocr)
Aadhaar via Digilocker
Gain consented access to users' Aadhaar Card stored in DigiLocker
[Know More](https://www.cashfree.com/digilocker-api/)
Aadhaar eSign
Send, track, and request Aadhaar-holders to eSign documents
[Know More](https://www.cashfree.com/aadhaar-esign/)
PAN Verification
Verify provided PAN of an individual or business in real-time
[Know More](https://www.cashfree.com/PAN-verification/)
PAN via OCR
Scan PAN card image to fetch and pre-fill details during onboarding
[Know More](https://docs.cashfree.com/reference/pan-ocr-verification)
DL Verification
Authenticate Driving License Number during onboarding and background checks
[Know More](https://www.cashfree.com/driving-license-verification-api/)
Voter ID Card Verification
Verify EPIC number and fetch complete details including assembly and parliamentary constituency details
[Know More](https://www.cashfree.com/voter-id-verification/)
Passport Verification
Verify Passport File Number and DOB, during onboarding and background checks
[Know More](https://www.cashfree.com/passport-verification-api/)
Face Match
Compare faces between two images or IDs via our AI-powered solution
[Know More](https://www.cashfree.com/face-match-api/)
Liveness Detection
Verify if the customer is genuine and screen out spoofs, frauds and bots instantly
[Know More](https://www.cashfree.com/face-match-api/)
GeoLocation Check
Convert a given pair of latitude and longitude to get a readable address location
[Know More](https://www.cashfree.com/geolocation-api/)
Bank Account Verification
Verify bank accounts details and account-holder name, with high accuracy
[Know More](https://www.cashfree.com/bank-account-verification/)
## Digital Onboarding Solution Empowering All Businesses
Investments
Ensure compliance and secure investor authentication to prevent fraudulent activities
Retail Lending
Quickly verify borrower identities to reduce the risk of default and fraud
Insurance
Authenticate policyholders to streamline claims processing and minimize fraud
ECommerce & HyperLocal
Verify user identity, ensure payouts to the right beneficiaries and enhance user experience
Marketplaces
Confirm buyer and seller identities to enhance trust and security in transactions
HR & Staffing
Accurately verify candidate identities to ensure a trustworthy hiring process and faster employee onboarding
Banks & Fintechs
Securely verify customer identities to comply with KYC regulations
Social Media
Confirm user identities to enhance platform trust and safety
Gaming
Verify player identities to comply with regulations and prevent underage access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_DigitalOnboardingEmpoweringallBusinesses)
Explore APIsGo-live With Developer-Friendly APIs For Digital Onboarding
Instantly integrate powerful APIs with your product using only a few lines of code and automate the onboarding process.
- Highly reliable and secure APIs
- Choose from different programming languages to integrate with your product using the proprietary Cashfree Payments libraries
- Get notified on single or bulk verification status in real-time with webhooks
- Explore and experiment with Verification APIs on Cashfree DevStudio
[View API Documentation](https://docs.cashfree.com/reference/verification-api-overview)
```javascript
{
"status": "SUCCESSS",
"subCode": 200,
"message": "Bank account details verified successfully",
"data": {
"bvRefId": 123456,
"nameAtBank": "JOHN DOE",
"accountExists": "YES",
"bankAccount": 26291800001191,
"ifsc": "YESB0000262",
"utr": 12341234123,
"nameMatchScore": 100,
"nameMatchResult": "DIRECT_MATCH"
}
}
```
Our Customer Success Stories
What we really like about Bank Account Verification feature is that it's extremely quick, and real-time. This feature helped us enhance the user experience - making the document approval and beneficiary onboarding very seamless.
Zaheer Adenwala
Co-Founder at Ketto
Cashfree Verification Team has built an amazing stack and launched some pioneering products like UPI 360. Having worked with more than 10+ players in this space, I can say that they are one of the most innovative players!
Mehul Nath Jindal
CEO & Co-Founder, BharatX
What we really like about Bank Account Verification feature is that it's extremely quick, and real-time. This feature helped us enhance the user experience - making the document approval and beneficiary onboarding very seamless.
Zaheer Adenwala
Co-Founder at Ketto
Cashfree Verification Team has built an amazing stack and launched some pioneering products like UPI 360. Having worked with more than 10+ players in this space, I can say that they are one of the most innovative players!
Mehul Nath Jindal
CEO & Co-Founder, BharatX
What we really like about Bank Account Verification feature is that it's extremely quick, and real-time. This feature helped us enhance the user experience - making the document approval and beneficiary onboarding very seamless.
Zaheer Adenwala
Co-Founder at Ketto
- 1
- 2
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What are some challenges online businesses face when it comes to onboarding new users?
Some challenges online businesses face during user onboarding include:
\- Identity Verification: Verifying the identity of users remotely can be challenging due to the risk of fraud.
\- User Experience: Balancing security requirements with a smooth onboarding experience can be tricky.
\- Compliance: Meeting regulatory requirements such as KYC (Know Your Customer) and AML (Anti-Money Laundering) can pose challenges, especially in different jurisdictions.
\- Drop-off Rates: Many users abandon the onboarding process due to complexity or lengthy forms.
### What are the digital onboarding requirements for an NBFC platform in India?
For an NBFC (Non-Banking Financial Company) platform in India, onboarding requirements typically include:
\- KYC Compliance: Adhering to RBI guidelines for KYC verification.
\- Identity Verification: Verifying the identity of customers through documents such as an Aadhaar card, PAN card, etc.
\- Address Verification: Confirming the address of customers through utility bills, rent agreements, etc.
\- Risk Assessment: Assessing the risk associated with each customer to prevent fraud or default.
### What are the digital onboarding requirements for Gaming Platforms in India?
For gaming platforms in India, onboarding requirements may include:
\- Age Verification: Ensuring that users are of legal age to participate in gaming activities.
\- KYC Compliance: Verifying the identity of users to prevent fraud and comply with regulations.
\- Payment Verification: Verifying payment details to prevent unauthorized transactions.
\- Geolocation Checks: Ensuring users are accessing the platform from permitted states only.
### How much time does Identity Verification for Digital Onboarding take?
On Cashfree Payments, you can instantly verify a Bank Account Number, UPI ID, IFSC, PAN, etc. As you submit the request, our API gives an instant response.
### Is Cashfree Payments Verification Suite compliant with RBI KYC Guidelines for onboarding?
As an RBI-regulated entity, we uphold high compliance and data security standards. Yes, our solutions are 100% compliant with onboarding KYC guidelines by RBI, SEBI and IRDAI.
### Is there any limit on the total number of verification requests per day?
No, there is no such limit. You can use the feature to verify any number of accounts in a day, 24\*7.
### How reliable is the information verified?
The data is directly fetched from the updated government databases, hence is highly reliable/accurate.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Digital%20Onboarding&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092895098&cv=11&fst=1744092895098&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fdigital-onboarding%2F&hn=www.googleadservices.com&frm=0&tiba=Digital%20Onboarding%20-%20Complete%20Identity%20Verification%20Stack%20for%20KYC%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=830024581.1744092894&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092895233&cv=11&fst=1744092895233&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fdigital-onboarding%2F&hn=www.googleadservices.com&frm=0&tiba=Digital%20Onboarding%20-%20Complete%20Identity%20Verification%20Stack%20for%20KYC%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=830024581.1744092894&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092895227&cv=11&fst=1744092895227&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fdigital-onboarding%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Digital%20Onboarding%20-%20Complete%20Identity%20Verification%20Stack%20for%20KYC%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=830024581.1744092894&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1366021177.1744092895>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102509683~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=1520314854)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Card Tokenization Solution
## Token Vault
# Card Tokenization
Solution
Process your customers' saved card payments securely while being RBI compliant. Token Vault is India's first interoperable card tokenization solution.
Supports all major card types:
- ### Credit cards
- ### Debit cards
- ### Prepaid cards
- ### Corporate cards
Supports all major card networks
[Contact Sales](https://www.cashfree.com/undefined/contact-sales/?source-action=tokenvault&action=Contact%20Sales&button-id=ContactSales_Hero)
## What is card tokenization?
As per RBI guidelines, with effect from1st October, 2022, neither businesses nor payment aggregators can save customer card details on their platforms. The card details can only be saved by the card networks or issuing banks.
Card tokenization is the process of replacing sensitive card information like card number, card expiry with a cryptographically generated random string, referred to as the card token.
Once a card is tokenized, the generated card token can be used for processing payments as a substitute to card details, thus eliminating risk of loss of sensitive card information while making card payments.
[Try Token Vault](https://www.cashfree.com/undefined/contact-sales/?source-action=tokenvault&action=Contact%20Sales&button-id=ContactSales_WhatisCardTokenization)
## Why Token Vault?
#### Interoperable card tokenization solution
Token Vault is India’s first interoperable card tokenization solution. If you are using multiple payment gateway platforms, you can use Token Vault as a single integration to process card payments across multiple payment gateways or card networks.
#### Certified token requestor
Cashfree Payments is a fully certified and compliant Token requestor. We support credit card tokenization, debit card tokenization and help you process cards issued by all leading card networks.
#### Zero manual intervention
Token Vault comes auto-enabled for merchants on standard checkout flow. Merchants on seamless flow can integrate Token Vault API with their platform with a minimal integration effort. Once integrated, Cashfree Payments takes care of both saved card function and processing payments.
#### Faster and secure checkout experience, guaranteed
Cashfree Payments has an ecosystem of 16mn+ saved cards that readily helps you in providing a faster checkout experience to your customers. Your customers can simply select the saved card and pay directly just by entering the CVV of the card.
[Try Token Vault](https://www.cashfree.com/undefined/contact-sales/?source-action=tokenvault&action=Contact%20Sales&button-id=ContactSales_WhyTokenVault)
Read our comprehensive guide on Tokenization for payments.
[Learn more](https://www.cashfree.com/undefined/guides/tokenization-for-payments/)
Learn from experts on how you can stay RBI compliant with
## card tokenization
Have questions on the latest RBI guideline on Card on file Tokenization and how it will affect your customer transactions? Watch our detailed discussion or read through our comprehensive knowledgebase to learn more about card tokenization.
## Fireside Chat - Mastercard & Cashfree Payments
Watch this fireside chat to understand how Card Tokenization can help your business stay RBI compliant.
FEATURING
#### Ravi Varma Datla
VP Digital Products, MasterCard - South Asia
Watch recorded session
## Get all your questions answered!
Check-out our comprehensive guide on how Card-on-file Tokenization works and how Cashfree Payments can help you stay RBI-compliant!
[Learn more](https://www.cashfree.com/docs/help/token-vault/faqs#what-are-the-rbi-guidelines-on-tokenization)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is tokenization?
Card Tokenization is the process of replacing sensitive card information like card number, card expiry with a cryptographically generated random string, referred to as the card token. Once a card is tokenized, the generated card token can be used for processing payments as a substitute to the actual card details like card number and card expiry and cvv thus eliminating the issue of loss of sensitive card information while making card payments.
### What are the RBI guidelines on tokenization?
- Neither payment aggregators, payment gateways nor merchants cannot store card numbers on their servers even if they are PCI/DSS compliant
- Card networks and Issuing banks can only store card numbers and offer token provisioning services to other entities in the payment industry
- 30th September, 2022 is the deadline for all entities to comply with the RBI circular
### Why does a merchant need Token Vault by Cashfree Payments?
Token Vault is a card tokenization solution. Any merchant offering the save card feature to their customers will have to do so by provisioning a token instead of saving the actual card number. Token Vault will help merchants to effortlessly migrate to the this RBI compliance requirement.
### What is the interoperability feature on Token Vault?
Token Vault is India’s first interoperable card tokenization solution. As a merchant, you can use Token Vault’s interoperability to securely process card payments across multiple payment gateway platforms and card networks.
### Does Token Vault support tokenization of VISA credit and debit cards?
Yes, Token Vault provides credit card tokenization and debit card tokenization. You can tokenize VISA debit and credit cards, and retrieve them whenever your customers try to access the saved cards.
### Does Token Vault support tokenization of Mastercard credit and debit cards?
Yes, Token Vault provides credit card tokenization and debit card tokenization. You can tokenize Mastercard debit and credit cards, and retrieve them whenever your customers try to access the saved cards.
### If a merchant is PCI/DSS compliant and was saving cards on their own server how can they meet RBI's compliance requirement?
PCI/DSS compliant merchants have to delete the already saved cards with them as RBI does not allow bulk tokenization of cards. Merchants who were saving the card number on their own servers, can simply integrate with Token Vault APIs of Cashfree Payments and continue processing saved cards after a one-time authentication by customers. In this case Cashfree Payments will act as token requestor on behalf of the merchant. Alternatively, merchant can also integrate with individual card schemes and become a token requestor themselves.
### How will tokenization affect existing Cashfree Payments merchants using Payment Gateway or Auto Collect?
Cashfree Payments offers 2 types of checkout integrations
1) Standard Checkout & 2)Seamless Pro.
A. Merchants using Standard Checkout integration do not need to take any action. Cashfree Payments will automatically enable the saved card feature along with the ability to convert the card details (as customers enter the card) to unique tokens and then further process tokenized cards received from card networks. Customers having their cards already saved on the merchant site, will have to enter the card details, and do a one-time re-authentication for the first transaction on or after 1st July 2022 to continue using the saved card feature.
B. Merchants using Seamless Pro integration will have to update their APIs before 30th June 2022 to save and process card transactions. Check out API documentation. Once API has been updated, customers having their cards already saved on the merchant site, will have to enter the card details, and do a one-time re-authentication for the first transaction on or after 1st July 2022 to continue using the saved card feature.
### What all card details can the merchant save once with tokenization in place?
Merchants are allowed to store only the last 4 digits of the actual card number, card scheme and issuing bank name. They cannot store other details like card BIN, card expiry or CVV.
### Can a merchant retrieve the actual card number using the card network token?
No, merchants will not be able to get the actual card number back from the tokenized cards. Only schemes and issuing banks will be able to do so.
### Can a merchant provision card network token without taking consent from customer?
No, explicit consent of customer is mandatory while provisioning token for the card.
### Can a merchant provision card network token without the customer completing 2FA?
If 2FA fails even after the customer had given consent to tokenize the card, merchants will not be able to provision token and save the card.
### Does a merchant need to re-provision the already saved cards on another payment aggregator or gateway if they wish to migrate from Cashfree Payments?
Yes, the token reference number of tokens provisioned through Cashfree Payments will be saved with us only. However, merchants can fetch the card network tokens from us and use them for payment on any other payment aggregator. It is not possible to migrate cards provisioned through Cashfree Payments on another payment gateway.
### Does tokenization affect any other payment mode other than cards? Which all card transactions are affected?
No, tokenization is limited only for card payments. All card payments like credit, debit, prepaid and corporate credit cards are impacted.
### Is there any impact of card tokenization on the card payments where the customer enters complete card number?
No, there is no impact as such on card payments where the customer enters the complete card number details. Only in cases where merchants or payment aggregators were saving cards, card tokenization will come into effect.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Offer saved card feature on your checkout pages and stay RBI-compliant with Token Vault
[Contact Sales](https://www.cashfree.com/undefined/contact-sales/?source-action=tokenvault&action=Contact%20Sales&button-id=ContactSales_Footer)
[iframe]()
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092895601&cv=11&fst=1744092895601&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5470h2v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509683~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcard-tokenization%2F&hn=www.googleadservices.com&frm=0&tiba=Token%20Vault%2C%20Card%20Tokenization%20solution%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=620166624.1744092894&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092895957&cv=11&fst=1744092895957&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5470h2v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509683~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcard-tokenization%2F&hn=www.googleadservices.com&frm=0&tiba=Token%20Vault%2C%20Card%20Tokenization%20solution%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=620166624.1744092894&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092895905&cv=11&fst=1744092895905&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5470h2v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509683~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcard-tokenization%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Token%20Vault%2C%20Card%20Tokenization%20solution%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=620166624.1744092894&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1159168392.1744092896>m=45je5470h2v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562~103050889&z=31713612)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Instant PAN Verification
Loading...
PAN Verification
[Features](https://www.cashfree.com/PAN-verification/#features) [Integrations](https://www.cashfree.com/PAN-verification/#integrations) [Pricing](https://www.cashfree.com/PAN-verification/#pricing)
## Did you Know?
Under Section 272B of the Income Tax Act 1961, the Income Tax department can impose a penalty of ₹10,000 if anyone is found to have given an incorrect PAN number.
Save your business from penalties by verifying the PAN details of your vendors and users with the help of PAN Verification by Cashfree Payments!
[Try now](https://merchant.cashfree.com/merchants/signup?source-action=PAN%20Verification%20Page&action=Sign%20Up&button-id=TryNow_Hero)
## Instant PAN Verification
With Cashfree Payments, verify if the PAN is valid, identify the registered name of the card holder along with the nature of the card holder - individual or business.
Onboard users and partners with KYC in real-time and ensure payments are going to intended beneficiaries only.
Right from updated PAN database
Check PAN validity and PAN holder details against the latest updated PAN database, and know the status as Valid or Invalid in real-time, 24x7.
Know the nature of card holder
Just enter PAN and know the nature of card holder - Individual, HUF, Company, Firm, Partnership, Trust, Society, Business, Government, etc.
Bulk PAN verification
Do a single PAN verification or 10,000+ PAN verifications in one go, via simple excel upload or APIs.
Inbuilt approval flow and beneficiary name verification
Assign maker and checker role to reduce human errors and match PAN card holder name with updated PAN records for higher accuracy.
## Who can use PAN Verification by Cashfree Payments
Lending platforms
Payments and fintech companies
Insurance providers
Large corporations with 1000+ headcount
Securities and equity investment platforms
Marketplaces
Business and Individual Tax filing platforms
Wallet service providers
Recruitment and Identification Verification companies
Simple integration
## PAN card verification API
Integrate powerful PAN card Verification API with your product using only a few lines of code and automate the onboarding process, ensuring payouts to intended beneficiaries with Cashfree Payments.
- Highly reliable and secure APIs
- Use the official Cashfree Payments libraries for different programming languages to integrate with your product and automate PAN verification flow
- With webhooks, get notified on single or bulk PAN verification status in real-time
[View API documentation](https://docs.cashfree.com/reference/pan-verification)
curl --location --request POST ' https://gamma.cashfree.com/verification/pan/bulk ' \
--header 'x-client-id;'\
--header 'x-client-id;'\
--header 'x-client-id;'\
--header 'content-type : application/json'\
--data-row '{
"bulk\_verification\_id": "dfs2f3sad2a231sd21sa12",
"entries":\[\
\
{\
\
"name": "test",\
\
"pan": "CDEPJ2456D"\
\
}\
\
\]
}'
'name : Test, (optional)'
'pan : CDEPJ2456D'
'pan : ABCPV1234D'
'type : Individual'
'reference\_id : 161'
'name\_provided : JOHN DOE'
'registered\_name : JOHN DOE'
'valid : '
'message : PAN verified successfully'
'name\_match\_score : 100.00'
'name\_match\_result : DIRECT\_MATCH'
'aadhaar\_seeding\_status : Y'
'last\_updated\_at : 01/01/2019'
'name\_pan\_card : JOHN DOE'
'pan\_status : VALID'
'aadhaar\_seeding\_status\_desc : Aadhaar is linked to PAN'
#### No code solutions
- Do single PAN verification or do upto 10,000 PAN verification using simple excel upload.
- Just enter the PAN number and get an instant response.
## Complete Identity Suite
Activate PAN Verification along with our complete Identity Suite to ensure all your transactions are verified and risk-free!
### Bank Account Verification
Verify beneficiary accounts for 600+ banks including public, private, rural, and cooperative banks
[Learn more](https://www.cashfree.com/bank-account-verification/)
### UPI ID Verification
Enter UPI ID and know if it exists. You will receive a customer name at the bank in the response for valid UPIs.
[Learn more](https://www.cashfree.com/bank-account-verification/)
### IFSC Verification
Check against the most exhaustive list of IFSC codes updated weekly.
[Learn more](https://www.cashfree.com/bank-account-verification/)
### One-click Onboarding SDKs
Instantly verify the users’ PII data like PAN, Aadhaar, bank account, UPI IDs when they sign up on your app.\[Recommended for app based solutions\]
[Learn more](https://docs.cashfree.com/docs/vrs-sdk-integration#why-did-we-build-a-new-javascript-software-development-kit-sdk)
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
[Check Identity Suite](https://www.cashfree.com/bank-account-verification/)
Simple integration
## Here is how Businesses are using Identity APIs by Cashfree Payments
ZOMATO
BOOK MY FOREX
ZILRA
**Seamless delivery partner onboarding for Zomato**Zomato ensures quick and correct onboarding of riders using Cashfree Payments’ API.
**Instant verification of money exchangers for Bookmyforex**The foreign currency exchange platform uses Cashfree Payments for instant bank verification of money exchangers. As a platform facilitating 1600 crores+ currency exchange transactions, accuracy and speed while verifying accounts is a business prerequisite.
**No cheque bank a/c verification for Zilra**Cross-border payments processor Zilra needs no scanned copies of cancelled cheques anymore. It now uses Cashfree Payments to verify the account details in a paperless manner for onboarding freelancer partners.
## Industry leading solution with more than 99.5% success rate
## Start Free Trial Do free PAN verification with free credits worth ₹100/-
PAN verification
Verify the identity of an individual or business, instantly.
[Start Free Trial](https://merchant.cashfree.com/merchants/signup?source-action=PAN%20Verification%20Page&action=Sign%20Up&button-id=StartNow_TransparentandFriendlyPricing)
Enterprises
Custom pricing designed for enterprises
- Early access to new features
- Dedicated account manager
- Discounted pricing
- Support over WhatsApp in addition to other channels
If you are a financial service business or want to enable PAN Verification into your product flow, contact us to get custom pricing
[Contact Sales](https://www.cashfree.com/contact-sales/?source-action=PAN%20Verification%20Page&action=Contact%20Sales&button-id=ContactSales_TransparentandFriendlyPricing)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is PAN verification?
PAN verification enables merchants to verify their users’ PAN card details, get the status of the PAN card, and check whether it belongs to a business or an individual.
### Which businesses can benefit from PAN Verification?
The PAN verification feature can be used to identify the person/businesses during onboarding as well as before initiating the transaction. Businesses can use it for various purposes, such as:
- Onboarding vendors
- Onboarding employees
- Transferring funds or process payments
- KYC verification
Following business categories can use PAN verification to speed up their onboarding and payment process.
- Lending platforms
- Insurance providers and platforms
- Investment portals
- Wallets
- EMI/installments providers
- Any form of credit providers
- Large corporations for onboarding employees
- Payments and fintech companies
### Do I have to bear any charges to avail this feature? If yes, how much will it be?
Yes, please get in touch with our sales team to get custom pricing as per your needs.
### Do I have to pay in advance, or can I pay after the PAN verification is done?
There is an option to pay either way - before or after completing your PAN verification.
### Do I need to submit any documents to avail this feature?
Yes, the following documents are required to activate the PAN Verification
- Business proof (mandatory)
- Company PAN (mandatory)
- The latest bank statement (optional)
- Authorised signatory (ID and Address proof) (optional)
### What are the details I need to input to verify a PAN?
You can just enter your PAN number and get the response.
### Can I verify PAN cards using OCR technology?
Yes Cashfree Payments offer OCR enabled PAN verification. If you got a physical or scanned copy of PAN you can upload it using the dashboard or use API to verify PAN information quickly.Upload the scanned copy of the PAN card.Supported file type: .jpeg,.jpg,.png.Visit
[https://docs.cashfree.com/reference/pan-ocr-verification](https://docs.cashfree.com/reference/pan-ocr-verification)
### Can I verify the PAN by just knowing the name of the person?
No, to verify a PAN, it is mandatory to enter the PAN number.
### What are the details that I will be able to see on verifying a PAN?
PAN verification solution will return whether the PAN is valid or not along with the following details (if valid):
- PAN number
- Name provided
- Verification ID
- PAN type
- Name registered
### What are the different methods I can use for carrying out online PAN verification?
Using Cashfree Payments,a merchant can do single verification or bulk verification.
Single Verification: Manually input the PAN number and get all the details like Name registered, Date of birth or date of issue, PAN type, etc.
Bulk Verification: Verify upto 10,000 pans via Excel upload or API.
### Is there any solution for bulk PAN verification?
Yes, you can verify upto 10,000 PANs via excel upload or use API.
### Is there any limit to the number of PAN cards that can be verified in a day?
No, there is no limit to the number of PAN cards that can be verified in a day.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Payouts
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Payment Gateway
Collect payments on your website or app. Make payouts to any bank account.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI emadate.
[Learn More](https://www.cashfree.com/recurring-payment/)
### Easy Split
Split vendor commissions and manage marketplace settlements.
[Learn More](https://www.cashfree.com/easy-split/split-payment-gateway/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=PAN%20Verification%20page&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092927182&cv=11&fst=1744092927182&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2FPAN-verification%2F&hn=www.googleadservices.com&frm=0&tiba=PAN%20Verification%20-%20Do%20Single%20or%20Bulk%20PAN%20Verification%20Instantly%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1508026875.1744092924&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092927366&cv=11&fst=1744092927366&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2FPAN-verification%2F&hn=www.googleadservices.com&frm=0&tiba=PAN%20Verification%20-%20Do%20Single%20or%20Bulk%20PAN%20Verification%20Instantly%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1508026875.1744092924&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092927358&cv=11&fst=1744092927358&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2FPAN-verification%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=PAN%20Verification%20-%20Do%20Single%20or%20Bulk%20PAN%20Verification%20Instantly%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1508026875.1744092924&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1236755258.1744092928>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102509682~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=254141124)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Geolocation API
# Geolocation API
## Verify Address from Map Coordinates
Convert a given pair of latitude and longitude to get a readable address location with details. Verify customer location, in compliance with RBI’s Digital KYC guidelines.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=GeoLocation%20API&action=Sign%20Up&button-id=StartNow_Hero)
## Geolocation API for Address Verification
Confirm customer-provided address details by cross-referencing latitude and longitude coordinates through our convenient reverse geocoding feature. Access it easily via the dashboard or seamlessly integrate it into your platform through our API.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=GeoLocation%20API&action=Sign%20Up&button-id=StartNow_GeoLocationAPIForAddressVerification)
### Plug And Play API
Apart from using the dashboard feature, you can also easily integrate our developer-friendly API into your platform to retrieve, verify and get the address details of your customers.
### Real-time retrieval
Get real-time location details including street name, landmarks, pin code and city, within a few
seconds seconds. Reduce manual intervention and, save time and money.
### 100% Compliant
Verify addresses for Digital KYC as well as Video KYC in compliance with RBI guidelines.
### Fraud Prevention
Prevent fraudsters on your platforms through accurate address verification, right at the time of onboarding.
How the Geolocation API works
Step 1
Input details
Enter map coordinates on the Reverse Geocoding dashboard feature.
Step 2
Verification in progress
Through reverse geocoding, the API validates the coordinates.
Step 3
Get Details
Get instant results in the form of a clear and readable address.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=GeoLocation%20API&action=Sign%20Up&button-id=StartNow_HowtheGeoLocationAPIWorks)
Geolocation API
Simplify Address Verification
[Explore API](https://docs.cashfree.com/reference/reverse-geocoding)
Banks and NBFCs
Onboard customers in compliance with Digital KYC processes, with reliable address verification.
E-commerce
Confirm customer addresses with pinpoint accuracy during onboarding and post-onboarding. Minimise delivery errors and enhance both customer and delivery partner experience.
Lending Platforms
Disburse loans to genuine customers based on location verification. Avoid fraud attempts by checking the customer’s accurate location at the time of loan disbursals and application processing.
Investment Platforms
Facilitate KYC verification for customers with remote convenience backed by accurate address verification.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### How does the Geolocation API work?
The Geolocation API works by using various data sources, including GPS, Wi-Fi, and cell tower information, to determine the device's location based on its coordinates.
### What is Reverse Geocoding?
Translating a given pair of latitude and longitude coordinates into a readable address location is known as Reverse Geocoding. With Cashfree Payments’ Reverse Geocoding feature, you can verify if the location shared by your customer matches the provided physical address.
### What is an example of Geolocation API working on reverse geocoding functionality?
In the case of Reverse GeoCode, the map coordinates are the Input and the output retrieved is a readable address location. For example, if you input the latitude 12.9274915 and longitude 77.6326806, the output would be the details of the building situated at that intersection. For the given pair of coordinates, the output would be Vaishnavi Summit, No. 6/B, Summit, 80 Feet Rd, Koramangala 1A Block, Koramangala 3 Block, Koramangala, Bengaluru, Karnataka 560034.
### What details can I fetch from Geolocation API from the dashboard?
One can get details such as the name of the building, street name, landmark, district, city, state, pin code and country via Geolocation API.
### How can I verify an address from Geolocation API by Cashfree Payments?
You can verify coordinates on our dashboard as you go or integrate our Reverse Geocoding API into your application for onboarding or verification workflows.
### Why is address verification important in Digital KYC?
RBI defines Digital KYC as ‘capturing a live photo of the customer and an officially valid document or proof of possession of Aadhaar, where offline verification cannot be carried out, along with the latitude and longitude of the location where an authorised officer of the RE is taking such live photo..’.
Hence, address verification becomes mandatory which can be easily done via reverse geocoding.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other Cashfree Payments products
### Secure ID
Onboard users seamlessly with our compliant and highly customisable 360° identity verification platform
[Learn More](https://www.cashfree.com/kyc-verification/)
### Payouts
Easiest way to make payouts to any bank account, UPI ID, card, AmazonPay, Paytm or other native wallet 24\*7 instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Payment Gateway
Collect domestic and international payments on your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI e mandate.
[Learn More](https://www.cashfree.com/recurring-payment/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=GeoLocation%20API&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Cashfree Payments Overview
## About Cashfree
Powering businesses of today with the payments infrastructure of tomorrow
Cashfree Payments is a leader in India’s payments landscape, processing $80B annually for over 8,00,000 businesses since 2015. It enables seamless transactions with a full-stack payments platform offering: 100+ payment methods for effortless collections, Instant payouts, Cross-border transactions, One-click checkout for higher conversions and abandoned cart recovery and return prediction.
With fast onboarding, seamless integration, and compatibility with platforms like Shopify, Wix, WordPress, WooCommerce, and WhatsApp, businesses can start transacting within a day.
Cashfree Payments owns its end-to-end payment processing technology, ensuring higher success rates and reliability. Built to scale, it can process up to an industry leading number of 12,000 transactions per second, handling peak demand effortlessly.
Our recent innovation, SecureID is an advanced identity verification stack designed to combat fraud. It offers powerful APIs and KYC components to streamline compliant onboarding and KYC. SecureID has completed more than 1 billion identity and user verifications till date.
14332015
Launched year
6,12,365+8,00,000+
Businesses served
$57Bn+$80Bn+
Processed annually
427M+600M+
Bank accounts served
About cashfree
Move Fast with Cashfree
In today’s competitive and ever-changing markets, agility and speed are non-negotiable. By delivering quick and reliable solutions, we empower businesses to tackle challenges head-on and seize new opportunities with confidence.
At Cashfree Payments, “Move Fast” means aligning speed with the evolving needs of our merchants. By enabling faster payments, quicker problem resolution, and seamless operations, we are proud to be a partner in the growth journeys of thousands of businesses.
Our Investors
From startups to large enterprises
Cashfree Payments is for businesses of all shapes and sizes. We grow, as you grow. And, we’re trusted by 1000s of businesses just like you!
Focusing on what matters
We take away the hassles of money movement from your equation, so you focus on what matters most - your business.
With an ear to the ground, we constantly evolve and innovate to optimise end-to-end payments for you.
[Work with us](https://www.cashfree.com/careers/)
Leadership
Meet the leaders driving payments to the future
Akash Sinha
CEO/ Co-Founder
[](https://www.linkedin.com/in/sinhaakash/)
Reeju Datta
Co-Founder
[](https://www.linkedin.com/in/reejudatta/)
Vikas Guru
Chief Financial Officer
[](https://www.linkedin.com/in/vikas-guru-42745b13/)
Arun Tikoo
Chief Business Officer
[](https://www.linkedin.com/in/arun-tikoo-1597ba11/)
Ramkumar M Venkatesan
Chief Technology Officer
[](https://www.linkedin.com/in/ramkumar-venkatesan/)
Chetan Yadav
Senior Vice President - HR
[](https://www.linkedin.com/in/chetanyadav/)
Anil Kumar V
Vice President - Growth & Strategy
[](https://www.linkedin.com/in/anilkvn/)
Vinit Barve
Vice President - New Initiatives
[](https://www.linkedin.com/in/vinit-barve-0aa0379/)
Vijay Ravisekar
Vice President - Product Management
[](https://www.linkedin.com/in/vijay-ravisekar-94155a20/)
Parveen Kumar
Vice President - Operations
[](https://www.linkedin.com/in/parveen-kumar-88b82216/)
Atul Gupta
Senior Director - Risk & Compliance
[](https://www.linkedin.com/in/atul-gupta-57b28016/)
Sanghamitra Bhargov
Director - PR & Communications
[](https://www.linkedin.com/in/sanghamitrabhargov/)
Keep in touch
Get the latest in product, industry trends, guides, and more - right to your inbox.
Subscribe
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=About%20Us&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092934462&cv=11&fst=1744092934462&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441h1v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fabout-us%2F&hn=www.googleadservices.com&frm=0&tiba=About%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=589194834.1744092934&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092934522&cv=11&fst=1744092934522&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441h1v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fabout-us%2F&hn=www.googleadservices.com&frm=0&tiba=About%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=589194834.1744092934&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092934511&cv=11&fst=1744092934511&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441h1v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fabout-us%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=About%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=589194834.1744092934&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1323710231.1744092935>m=45je5441h1v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=634385416)
## Embedded Lending Solutions
## EMBEDDED FINANCE
# Embedded Lending
architecture for India!
Offer quick credit to your customers by embedding lending into your platform. Go live in 2 weeks with powerful APIs.
Customized Credit Offerings
Diverse Loan Products
End to end Customer Experience
Instant Credit Extension
[Contact Sales](https://www.cashfree.com/undefined/contact-sales/?source-action=Embedded%20lending&action=Contact%20Sales&button-id=ContactSales_Hero)
## What is Embedded Lending?
Help your partners grow faster with instant credit on your platform!
Embedded lending allows businesses (like you!) to offer credit services that are embedded within your website or app seamlessly. Your users don’t need to redirect to third-party banks or NBFCs to avail credit. Instead, your customers can avail the required capital within a few clicks! The credit offering is showcased to them at the appropriate stage in user journey resulting in higher conversions.
## Why Choose Cashfree Payments?
Automate loan disbursals through low-code yet powerful APIs. Offer personal loans, business loans, short term loans and credit lines with minimal tech and operational effort.
### Instant Go Live. Quick On Its Feet
End to End API stack and white-labelled UI available for fast integration with your interface.
### Personalize Credit Offerings
Tailor the credit offerings to meet your users’ specific needs. Be it ₹1,000 or ₹10 Lakh+.
### End to End Ownership of Customer Experience
Get complete visibility of the funnel through CRM with zero redirections to any third parties.
### Competitive Pricing
Help your users avail loans at lowest interest rates and minimal processing fees with Cashfree Payments lending partners.
### High Approval Rates
Highest approval rates in the industry. Let our advanced machine learning systems do the work.
### State of the Class Payments Infrastructure
Power disbursements, repayments and ledger management through Cashfree Payments infrastructure.
### Own your Customers’ Experience
Get complete visibility of the funnel through CRM with zero redirections to any third parties.
Who can use
## Cashfree Embedded Lending?
Automate your credit disbursals through low-code yet powerful APIs.
### Expense Management Companies
Allow your customers’ employees to avail personal loans or salary advances.
### SME Neobanks
Extend credit to your SME base with minimal effort.
### Logistics
Finance fuel and vehicle maintenance of your driver partners by providing flexible loans.
### B2B E-Commerce
Offer retailers to purchase goods on credit by providing flexible repayment options.
### Agri Tech Companies
Enable credit for partner farmers to ensure uninterrupted supply.
### Pharma-tech SaaS
Help your pharmacy partners access loans to buy inventory.
## Types of lending products
we support
Line of Credit
Offer loans with pre-set limit that customers can draw on, when need be.
Term Loan
Offer a fix amount of capital and let customer pay back in installments over the term of the loan.
Supply Chain Financing and Invoice Discounting
Provide working capital credit for your customers through invoice and inventory financing solutions.
Buy Now Pay Later
Enable your customers to buy products/services instantly and pay at a later stage.
We offer custom-tailored lending products as well. Reach out to us to [learn more.](https://www.cashfree.com/contact-sales/?source-action=Embedded%20lending&action=Contact%20Sales&button-id=ContactSales_Hero)
## Embedded Lending in 5 simple steps
Customer Enters Details:Customer enters personal and business details like Name, PAN no, GST no, Business Type etc
Upload documents:Customer enters loan amount and uploads business documents.
Offer Communication:Customer receives notification for the loan eligibility with amount.
Repayment Setup:Cashfree Payments will help set up recurring billing for loan repayment.
Agreement:Customer signs legal agreement before accessing funds.
Simple integration
## Embedded Lending APIs
: Simplified and tailored for you
### Cashfree Payments’ APIs are designed by developers for developers. Our aim is to dial down the complexity and fast track your Go-Live.
Detailed documentation and strong technical support
Fast Go-To-Market
Robust APIs
Available in different programming languages
Flexible designs
Customized API-driven solutions
SDK solution available for quick integration
[Learn more](https://www.cashfree.com/undefined/contact-sales/?source-action=Embedded%20lending&action=Contact%20Sales&button-id=ContactSales_EmbeddedLendingAPI)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is lending as a service?
Lending as a Service allows [service providers](https://www.cashfree.com/blog/payment-service-provider/) like Cashfree Payments to enables businesses extending credit services to their user base.
### What are the advantages of embedded lending?
Embedded lending can help you:
1 .Offer higher customer satisfaction
2\. Access higher revenue margins
3\. Retain customers and build loyalty
### How long does it take to go-live with Cashfree Payments embedded lending product?
Depending on the integration and specific requirements, you can go live from anywhere between 2-6 weeks.
### What documents are required from the user to avail credit?
Bank statement and KYC documents are needed to apply for a loan.
### What are the two types of integrations offered by Cashfree Payments?
There are two kinds of integrations offered by Cashfree Payments:
1.Native journey\- Here, the UI is completely built by you and and Cashfree Payments APIs are used to create the loan journey. This tentatively takes ~ 2-3 weeks of development effort.
2.Using Cashfree Payments Plug-n-play solution\- Cashfree Payments offers its own UI so you can just integrate 1 simple solution within a matter of 2 days.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Payouts
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Card Issuance
Built for businesses and platforms. Launch your own card program within weeks.
[Learn More](https://www.cashfree.com/card-issuance/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Embedded%20lending&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092963560&cv=11&fst=1744092963560&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fembedded-lending%2F&hn=www.googleadservices.com&frm=0&tiba=Embedded%20Lending%20-%20Lending%20as%20a%20Service%20by%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=2076596409.1744092963&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092963650&cv=11&fst=1744092963650&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fembedded-lending%2F&hn=www.googleadservices.com&frm=0&tiba=Embedded%20Lending%20-%20Lending%20as%20a%20Service%20by%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=2076596409.1744092963&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092963642&cv=11&fst=1744092963642&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fembedded-lending%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Embedded%20Lending%20-%20Lending%20as%20a%20Service%20by%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=2076596409.1744092963&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=71437230.1744092964>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=36498177)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## DevStudio: API Playground
Share
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Table of Contents
Toggle
### **Welcome to DevStudio!**
Developers have to spend many hours of time and considerable effort in building integrations so that they can offer new and exciting products and solutions to their users. In particular, payment gateway integrations are complicated – not just because ensuring a smooth payment flow is critical to a business, but also because testing integration flows requires hours of reading integration documents, etc. etc.
That’s why our DevX team at Cashfree Payments built **DevStudio – India’s first API Playground for payment gateway integrations!** Now, developers can visualize and explore payment gateway integrations with ease!
### **Why DevStudio?**
In today’s fast-paced tech landscape, developers need the right tools and resources to create seamless payment experiences. DevStudio offers exactly that, empowering you to:
- **Experiment Freely:** With DevStudio, you have the freedom to experiment with our full suite of APIs in a risk-free environment.
- **Accelerate Development:** Our intuitive tools and comprehensive documentation accelerate your development process, getting you from concept to deployment faster without having to write a single line of code first.
- **Ensure Reliability:** Test your integrations thoroughly to ensure they work flawlessly in real-world scenarios.
### **Key Features of DevStudio**
**1\. Interactive API Explorer**
Experiment with our APIs in real-time using the interactive API explorer. Send test requests and see responses in the simulated checkout immediately, helping you learn and adapt quickly.
**2\. Mock Data Environment**
Use our mock data environment to simulate various payment scenarios without any risk. Test different use cases to ensure your integration can handle diverse transaction types.
**3\. Step-by-Step Tutorials**
Access a library of step-by-step tutorials that guide you through common integration processes. These tutorials are designed to help you get up and running quickly, regardless of your experience level.
**4\. Interactive Integration Guide**
DevStudio offers developers an interactive guide to try out various integrations with minimal inputs and just a few clicks, enabling you to test and experiment with the integration without needing to code to set up the checkout at your end. Once you are satisfied with the outcome, you can simply copy the code from the DevStudio interface to build the code snippets required to access Cashfree Payments.
### **Using DevStudio**
Cashfree Payments’ DevStudio is live and currently freely accessible to the public. Currently, the platform offers easy go-live for payment gateway on web and mobile.
You do not need a Cashfree Payments merchant account to try DevStudio. You can access the platform [here](https://www.cashfree.com/devstudio/). The first step would be to identify which integration you need. You can do that by clicking on the “Explore your Integration” button to review the possible integrations that you can use.
| | |
| --- | --- |
|  |  |
After you have identified the right integration for your business and use case, you can click on the relevant option (Web Integration for website; Android / iOS for your Play Store and App Store presence) to initiate DevStudio for that specific integration.
Each of the integration options will be broken down into easy steps and will come pre-filled with test credentials for you to use the playground in the “Sandbox” environment. With a few clicks **(and less than 2 minutes!**), you can easily create a simulated checkout and review the payment process for your customers. You can also experiment with which parameters are being passed, including return URLs and transitioning the user from Cashfree’s checkout back to your website. This will give you an insight into the overall process of integration and give you visibility on what the end outcome should look like.
If you have a Cashfree Payments account, you can get the API Keys from the dashboard and experiment with DevStudio directly to start the integration process. At the end of each step, you can copy the code and paste it in your own environment, completing a **1-2 day integration process in less than an hour.**
### **Additional Resources**
In addition to the DevStudio playground, the Developer Experience team at Cashfree Payments has also created multiple resources to help you get started with our products:
- [YouTube Channel:](https://www.youtube.com/channel/UCxO0W7xVngh7TfkChPa_nwg) Guide videos to help with your integration
- [Discord Channel:](https://discord.com/channels/931125665669972018/931125665669972024) Connect 1:1 with our developers to get queries answered
- [GitHub:](https://github.com/cashfree) Review our hassle-free integration kits, plugins, icons, and more!
- [Documentation](https://docs.cashfree.com/docs/payment-gateway): A repository of companion docs to help with your integration
### **Payments Integration is Now Easy and Fun**
DevStudio is more than just a tool—it’s a revolution in how developers approach payments integration. By providing a developer-friendly environment, we aim to foster innovation and make seamless payment experiences a reality for businesses and consumers alike.
We can’t wait to see you make payment integrations simpler with DevStudio. Join us today and be a part of the future of payments integration!
Start your journey with [DevStudio](https://www.cashfree.com/devstudio/) now.
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Author [Anaswara Nair](https://blogrevamp.cashfree.com/author/anaswaranair/ "Posts by Anaswara Nair")
#### Related Posts
[](https://blogrevamp.cashfree.com/no-code-kyc-journey-builder-from-secure-id/ "Cashfree KYC Studio: No-Code KYC Journey Builder from Secure ID")
### [Cashfree KYC Studio: No-Code KYC Journey Builder from Secure ID](https://blogrevamp.cashfree.com/no-code-kyc-journey-builder-from-secure-id/)
6 months ago
[](https://blogrevamp.cashfree.com/marmeto-cashfree-partnership-to-simplify-payment-solutions/ "How Marmeto is Elevating E-commerce with Cashfree’s Seamless Payment Solutions")
### [How Marmeto is Elevating E-commerce with Cashfree’s Seamless Payment Solutions](https://blogrevamp.cashfree.com/marmeto-cashfree-partnership-to-simplify-payment-solutions/)
6 months ago
[](https://blogrevamp.cashfree.com/digital-identity-verification-secure-id/ "Cashfree Secure ID : Powering the Next Era of Digital Identity Verification")
### [Cashfree Secure ID : Powering the Next Era of Digital Identity Verification](https://blogrevamp.cashfree.com/digital-identity-verification-secure-id/)
7 months ago
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
- [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
- [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
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## Settlement Holidays 2025
# Settlement Holidays - 2025
Below is the calendar of settlement holidays when bank settlements may not be processed.
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Settlement%20Holidays&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## DigiLocker API Access
# DigiLocker API
## Access Verified Documents Instantly via DigiLocker
Get consented access to your users' government-approved documents. DigiLocker API makes KYC, document storage and management workflows and more, easier and faster.
- 100% compliant
- 99% uptime
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=DigiLocker%20API%20LP&action=Sign%20Up&button-id=StartNow_Hero)
## Fetch documents from DigiLocker
Redirect users to DigiLocker for OTP-based verification followed by instant and seamless document access. You can verify documents, right from our dashboard via the self-serve feature or integrate the DigiLocker API on your platform.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=DigiLocker%20API%20LP&action=Sign%20Up&button-id=StartNow_FetchDocumentsFromDigiLocker)
### Plug And Play API
Our API is easy to integrate and developer-friendly. Embed our API in your application to retrieve, verify and fetch details from your user’s documents in the DigiLocker portal or app. Get instant response backed by 99% uptime and <=90% Success Rate.
### Fetch in real-time
Create a customised DigiLocker URL, get verification status and retrieve details like name, name of parents, date of birth, address, gender, photo and more from documents, as per your use case or workflows. Get details in supported formats like PDF, JPEG and XML.
### 100% Compliant
OTP-based verification on DigiLocker Portal in compliance with RBI and UIDAI guidelines. Once the OTP is validated and the consent is granted, documents can be viewed, accessed and retrieved.
### Widen Reach
Build smoother verification and onboarding workflows for 1.6B+ Aadhaar Holders and ~250M registered DigiLocker users. Reduce drop-offs during onboarding.
### Fraud Prevention
Verify users through the Government’s flagship initiative under the Digital India Mission. Detect fraudulent attempts of document forgery or identity theft.
How the DigiLocker API works
Step 1
User Login
User enters Aadhaar number, OTP, and security PIN in your app that has our DigiLocker API.
Step 2
Retrieve Document
User allows consent to share the given DigiLocker document with Cashfree Payments.
Step 3
Get Details
Get instant results in the form of comprehensive details fetched from the verified document, via the DigiLocker API.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=DigiLocker%20API%20LP&action=Sign%20Up&button-id=StartNow_HowtheDigiLockerAPIWorks)
Leverage DigiLocker API for your business
Banks and NBFCs
Streamline KYC process, allow faster account opening, and secure account access for new applicants.
Insurance Platforms
Verify identity and accept documents during onboarding and before disbursing insurance processing amounts.
Logistics and Ride-Hailing Platforms
Do Aadhaar Verification and Driving License Verification via DigiLocker for drivers and delivery partners.
Investment Platforms
Streamline KYC verification for quick customer onboarding. Access Government-issued documents like Aadhaar and PAN.
Micro Lending and NeoBanks
Fast-track user onboarding and validate identity for KYC verification, loan sanctions, mobile wallets etc. Validate users’ Aadhaar and PAN as per compliance.
Payments and FinTech Companies
Ensure frictionless onboarding and verify users' details from government documents like Aadhaar and PAN to onboard only reliable and genuine clients.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is DigiLocker?
A flagship initiative under Digital India Mission, DigiLocker is a secure cloud-based platform for storage, sharing and verification of documents & certificates.
### How does DigiLocker API work?
With Digilocker API integration, any organisation can offer its clients a secure and easy way to verify their documents on the client portal or even store/manage their documents.
### What details can I fetch from DigiLocker API?
Apart from Aadhaar, you can also fetch other details linked to PAN, Driving License and more from DigiLocker.
### How to get Aadhaar details if a user doesn’t have a DigiLocker account?
If the user does not have a DigiLocker account, DigiLocker will automatically create an account during the consent journey. User has to sign up by providing their Aadhaar number and authenticate with the OTP sent to their Aadhaar registered mobile number.
### Can someone else enter details on the DigiLocker page on user’s behalf?
No, customers must enter their Aadhaar details, OTP, and captcha themselves for authentication and verification purposes.
### Who can fetch documents from DigiLocker?
Only a licensed requesting partner who is authorised by DigiLocker can perform actions such as document sharing and verifications.
### What are issued documents and what are uploaded documents on DigiLocker?
DigiLocker categorises documents as issued and uploaded. Issued documents are e-documents issued by government agencies in electronic format from the original data source, whereas uploaded documents are those directly uploaded by the DigiLocker user on the platform.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other Cashfree Payments products
### Secure ID
Onboard users seamlessly with our compliant and highly customisable 360° identity verification platform
[Learn More](https://www.cashfree.com/kyc-verification/)
### Payouts
Easiest way to make payouts to any bank account, UPI ID, card, AmazonPay, Paytm or other native wallet 24\*7 instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI e mandate.
[Learn More](https://www.cashfree.com/recurring-payment/)
### Payment Gateway
Collect domestic and international payments on your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=DigiLocker%20API%20LP&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092933330&cv=11&fst=1744092933330&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fdigilocker-api%2F&hn=www.googleadservices.com&frm=0&tiba=DigiLocker%20API%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1753359939.1744092933&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092933421&cv=11&fst=1744092933421&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fdigilocker-api%2F&hn=www.googleadservices.com&frm=0&tiba=DigiLocker%20API%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1753359939.1744092933&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092933406&cv=11&fst=1744092933406&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fdigilocker-api%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=DigiLocker%20API%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1753359939.1744092933&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1564054501.1744092934>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=572433788)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Cashfree Release Notes
# Cashfree Release Notes
We have been hard at work polishing our product, bringing in
new features and squashing bugs so that you can provide your
customers with a most seamless experience using Cashfree
Products. We wanted to share with you as to what we were
upto since the last time we met. Here's a sneak peek of all
the amazing things delivered at your door step.
ProductAll ProductsPayment GatewayDashboardPayoutsPayouts-CashgramVerification SuiteSubscriptions
MonthAll MonthsJanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember
Year20252024
March, 2025
Dashboard
FEATURE
You can now customise the checkout from devstudio canvas and export the theme to use it on production checkout by importing on your dashboard.
Payment Gateway
FEATURE
Express Checkout updates have been released in iOS, Android, React-Native, Cordova and Flutter SDK.
Introduced Aadhar e-signature verification feature for payment forms, improving payment flow and handling redirections.
The ability to share a screenshot after making a payment in Payment Link has been introduced.
The error responses in all APIs now include a new field called 'Help' to aid in troubleshooting. This is present from 2025-01-01 version onwards.
API version 2025-01-01 has been made default version for use.
CHANGED
Enhancements in JS SDK for improved height and scrolling functionalities.
Introduced changes to IPG DCC to display reverse currency rates.
Introduced support for Open Cart v4 plugin.
The Android SDK has been updated to make the WebCheckout Activity transparent, enhancing the visual experience for users.
* * *
February, 2025
Payouts
BUG
\[Connected Onboarding\] Addressed an issue causing multiple leads to be registered for a single Google form response in the Connected Banking system.
CHANGED
\[Router\] A new feature has been introduced allowing for mode-wise routing weightage setup. Merchants can now assign weightages to different fund sources for individual modes such as UPI, IMPS, etc. enhancing the flexibility and control over transaction routing.
\[API Enhancements\] The GetBulkTransfer Status API now includes a status field for failed transfers, this enhancement will provide additional information into individual transaction statuses
\[Merchant Experience\] The system has been updated to modify funds on hold during the process of queuing transfers and reconciliation for better financial management.
\[Performance\] The incident creation threshold is now configurable for all gateways, enhancing customization and user control for better performance monitoring.
\[Developer Experience\] Improved error handling for deactivated accounts in v2 APIs: Now, the system will provide accurate 4XX errors instead of 5XX errors for transfers through the payout API.
Payment Gateway
FEATURE
The Cashfree Total's mac app is now available for download on the App Store - https://apps.apple.com/us/app/cashfree-totals/id6740051881
The beta version of PayFast has been launched.
The create order API has been updated with a new feature Payment Method Filters, available in the version 2025-01-01.
React Component library has been created and deployed for easy and efficient creation and manipulation of cards.
The canvas in DevStudio now has an option to export the configuration and import it easily in the dashboard
CHANGED
The React Native SDK now sends the last four digits of the card in the custom card component's callback.
The checkout process has been updated. Now, clicking on the cancel button during checkout immediately terminates the order. To activate this feature, please contact care@cashfree.com.
Added a 'CVV Less' marker for applicable saved cards to enhance the payment method visibility.
The OTP component in Customer Hub now features autofill & auto submit of OTP for increased user convenience and efficiency.
* * *
January, 2025
Payouts
FEATURE
\[Escrow\] Introduced automated invoicing feature in the Escrow production release.
\[Verify and Pay\] The verify and pay feature can now be used for postpaid merchants
BUG
\[Cashgram\] Bug fix for an issue where merchants were unable to deactivate Cashgram links from the payouts dashboard.
CHANGED
\[Verify and Pay\] Updated the 'verify and pay' feature to limit the penny drop to the same beneficiary name to a maximum of 50 times per day.
\[Verify and Pay\] Updated the validatePayout function to enable asynchronous ledger creation, enhancing efficiency.
\[Verify and Pay\] The transfer token and transfer ID functionalities have now been decoupled for enhanced system performance.
\[Risk\] Payouts system will start sending wallet transactions to approval pending status if risk preference is enabled and smart limits are exceeded.
Dashboard
CHANGED
The dashboard now displays the type of integration used for each order.
A new contrast checker is now available in the checkout customisations dashboard for improved experience.
Payment Gateway
FEATURE
Late fees and discounts are now displayed on payment receipt PDFs.
The backend SDKs have been updated to version 4.3.7, now incorporating all dispute APIs.
Introduced an 'Order Expiry Timer' feature on the Cashfree checkout page.
Updates have been made to improve accessibility during checkout in compliance with RBI guidelines. Now, the icons for changing phone number and closing checkout are more accessible on desktop.
The payment successful email template has been enhanced to include order and shipping details, delivering better transparency and ease of information access for customers.
BUG
Updated and optimised the payment flow with the creation of a new PrestaShop plugin, improving transaction processing in PrestaShop 8.2.
CHANGED
Introduced a desktop view for the Popup Checkout.
The mandatory requirement for phone numbers in Inteliiforms has been removed.
The checkout UI now features improved error mapping for missing third party verification (TPV) details.
Enhanced card input field functionality. The cursor now auto-shifts upon completion of input.
Updated support has been provided for multiple VPA suffixes in checkout and APIs.
The Drop Checkout feature in Flutter SDK and iOS SDK has been deprecated.
* * *
## Flash UPI Payments
## India’s favourite payment method just got better
Faster, safer, and more seamless UPI payments in your application environment
- < 5 seconds to complete checkout
- Completely native, in-app experience
- 10%+ higher success rates
[Get Early Access](https://form.typeform.com/to/ulxNg7jC)
## Designed to turn buyer impulse into successful payments
[Get Early Access](https://form.typeform.com/to/ulxNg7jC)
### Faster checkout = Higher conversions
Checkout in <5 seconds in just one step and without redirections to third-party applications
### Reduced dropouts with a native UPI payment flow
Your customer never leaves your application with a single-step, in-app checkout experience
### Complete visibility and data of customer journeys
Track your customer’s interactions with your applications without losing them to redirections
### A failure-free customer experience
Stop losing customers to pending and failed payments with 10% higher success rates
## Perfect for businesses obsessed with customer experience
Cab aggregators or transportation servicesE-commerceFood DeliveryQuick Commerce
Cab aggregators or transportation services
Reduce the transaction friction and make it easier for customers to book and ride seamlessly with a payment experience that’s as fast and convenient as your brand
E-commerce
Don’t let your customer reconsider - use offers with direct embedded UPI payments to increase conversions and drive customer delight and retention
Food Delivery
Don’t let the munchies be derailed by payment failures! Allow your users to get those burgers, biryanis, or bhaturas at the speed of light
Quick Commerce
Offer your users an end-to-end experience that is as fast and as powerful as your riders and services
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Flash UPI? How does it work?
Flash UPI is a mobile SDK built by Cashfree Payments. It is designed to help businesses operating mobile applications to enable ‘in-app’ UPI payments - in other words, to make UPI payments within the business application itself, without needing to interact with a third-party UPI application. It works in accordance with NPCI’s OC 154 Circular, and has been built in partnership with Axis Bank. Cashfree Payments is working directly with Axis to process UPI payments, and by installing the Flash UPI SDK on your mobile application, you will be able to offer your customers a truly in-app payments experience.
### How is it different from existing UPI offerings?
Currently, UPI payments can be collected in 3 distinct flows - Collect, Intent, and via QR code. In each of them, a UPI application is the environment in which the payment is validated and initiated. Flash UPI enables the payment to happen in the business application itself, cutting out multiple steps that make checkout slower and less convenient, which increases cart abandonment. It also increases the success rate by 10%. For more details on Flash UPI, you can read our blog [here.](https://www.cashfree.com/blog/faster-payments-with-flash-upi/)
### Is Flash UPI secure? Are my customer’s details protected?
Flash UPI is completely secure and is in accordance with NPCI’s OC 154 Circular. Essentially, Axis/ICICI Bank’s UPI processing capabilities are being brought directly to business mobile applications with Cashfree Payments’ expertise in building payments solutions. Mobile application customers will have to undergo a one-time registration process. Subsequent transactions will be enabled via the bank and Cashfree Payments only. At all points, end customer payment information will be stored securely and safely, consistent with the highest security standards and with the same security applicable to normal UPI transactions.
### Why is the success rate higher for Flash UPI?
The absence of the redirection to a UPI app and the direct integration to Axis/ICICI bank means that one layer - and one potential source of failure - is removed. Additionally, a shorter and faster process reduces the probability of other failure reasons, including poor internet connectivity, server downtimes, and user cancellations.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
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## Education Payments Solutions
For education businesses
Complete
# Education Payments Solution
for India
The fastest and easiest way to collect fees, disburse expenses and enable other digital payments.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_Hero)
Your Payments Partner
India's 1st Fintech platform to enable disbursal of loans and insurance claim settlements
1,42,837+6,00,000+
Businesses served
USD 19B+USD 80B+
Processed annually
143M+600M+
Bank accounts served
For Schools / Colleges / Coaching Institutions
- Collections
- Verification & Disbursals
Collections
## Collect course fees
, tuition fees, examination fees, donations, service fees, platform subscription fees and more.
Payment Links
Collect payments from students/parents in real time via Whatsapp, Facebook, Instagram, and SMS - no app or website needed!
Payment Gateway
Collect payment on your website/app with 180+ payment options and card saving feature.
Auto Collect
Create unique virtual bank accounts and UPI IDs for each student and reconcile collections instantly.
Easy Split
Split incoming payments with your accounts of different departments and manage funds easily.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_ForSchoolsCollections)
Verification & Disbursals
Verify staff or service providers’ account details during onboarding for a background check and enable seamless future disbursals for salaries, service fees and more.
Bank Account / UPI ID Verification
Validate the bank account number, IFSC code and UPI ID provided by your staff with the actual bank records & UPI servers.
PAN Verification
Validate PAN number provided by your staff/service providers with the latest PAN database.
Aadhaar Verification
Validate Aadhaar information provided by your staff/service providers with the centralized Aadhaar Data Vault.
Payouts
Add multiple sources of funds with payouts and make disbursals to staff or service providers bank accounts, UPI IDs, wallets instantly 24x7 even on a bank holiday.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_ForSchoolsVerification&Disbursals)
Collections
Collections
## Collect course fees
, tuition fees, examination fees, donations, service fees, platform subscription fees and more.
Payment Links
Collect payments from students/parents in real time via Whatsapp, Facebook, Instagram, and SMS - no app or website needed!
Payment Gateway
Collect payment on your website/app with 180+ payment options and card saving feature.
Auto Collect
Create unique virtual bank accounts and UPI IDs for each student and reconcile collections instantly.
Easy Split
Split incoming payments with your accounts of different departments and manage funds easily.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_ForSchoolsCollections)
Verification & Disbursals
Verification & Disbursals
Verify staff or service providers’ account details during onboarding for a background check and enable seamless future disbursals for salaries, service fees and more.
Bank Account / UPI ID Verification
Validate the bank account number, IFSC code and UPI ID provided by your staff with the actual bank records & UPI servers.
PAN Verification
Validate PAN number provided by your staff/service providers with the latest PAN database.
Aadhaar Verification
Validate Aadhaar information provided by your staff/service providers with the centralized Aadhaar Data Vault.
Payouts
Add multiple sources of funds with payouts and make disbursals to staff or service providers bank accounts, UPI IDs, wallets instantly 24x7 even on a bank holiday.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_ForSchoolsVerification&Disbursals)
For Ed-Tech Platforms or Open Online Courses
- Collections
- Verification & Disbursals
Collections
Collect course fees or platform subscription fees, manage fees collected on a course level and more on your website or app.
Payment Gateway
Collect payment on your website/app with 180+ payment options and card saving feature.
Auto Collect
Create unique virtual bank accounts and UPI IDs for each of your courses and track payments on a course level.
Subscriptions
Automate recurring payment collections for course fees, platform fees, etc with e-mandates for cards, net banking and UPI.
Payment Forms
Add Payment Forms on website or app, collect fee, and automate payment reconciliation.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_ForEdTechCollections)
Verification & Disbursals
Verify staff or service providers’ account details during onboarding for a background check and enable seamless future disbursals for salaries, service fees and more.
Bank Account / UPI ID Verification
Validate the bank account number, IFSC code and UPI ID provided by your educator or course owner with the actual bank records & UPI servers.
PAN Verification
Validate PAN number provided by your educator or course owner with the latest PAN database.
Aadhaar Verification
Validate Aadhaar information provided by your educator or course owner with the centralized Aadhaar Data Vault.
Payouts
Add multiple sources of funds with payouts and make disbursals to educators or course owners’ bank accounts, UPI IDs, wallets instantly 24x7 even on a bank holiday.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_ForEdTechVerification&Disbursals)
Collections
Collections
Collect course fees or platform subscription fees, manage fees collected on a course level and more on your website or app.
Payment Gateway
Collect payment on your website/app with 180+ payment options and card saving feature.
Auto Collect
Create unique virtual bank accounts and UPI IDs for each of your courses and track payments on a course level.
Subscriptions
Automate recurring payment collections for course fees, platform fees, etc with e-mandates for cards, net banking and UPI.
Payment Forms
Add Payment Forms on website or app, collect fee, and automate payment reconciliation.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_ForEdTechCollections)
Verification & Disbursals
Verification & Disbursals
Verify staff or service providers’ account details during onboarding for a background check and enable seamless future disbursals for salaries, service fees and more.
Bank Account / UPI ID Verification
Validate the bank account number, IFSC code and UPI ID provided by your educator or course owner with the actual bank records & UPI servers.
PAN Verification
Validate PAN number provided by your educator or course owner with the latest PAN database.
Aadhaar Verification
Validate Aadhaar information provided by your educator or course owner with the centralized Aadhaar Data Vault.
Payouts
Add multiple sources of funds with payouts and make disbursals to educators or course owners’ bank accounts, UPI IDs, wallets instantly 24x7 even on a bank holiday.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_ForEdTechVerification&Disbursals)
## Educational ERPs
Explore the wide range of Cashfree collection and disbursal payment solutions and offer your users the best payment experience.
Join some of India’s
## leading education ERP
s taking education to newer heights. Talk to our
## education ERP payment
expert today.
[Get in Touch Now](https://www.cashfree.com/contact-sales/?source-action=Solutions%20Education&action=Contact%20Sales&button-id=ContactSales_EducationalERPs)
Here is why hundreds of education businesses trust us
Cashfree is really doing a good job. I'm glad we decided to work with Cashfree. It's really great, we integrated our product with Cashfree and the functionality is a lot better than any other PG services. think Cashfree is probably one of the strongest.
Use case in focus:
- 
Online & Offline Fees Collection
Cashfree helped us with quick support and we were able to set up in no time. For educational providers like us, it is one of the best options when it comes to flexibility and cost reduction. I am happy to have come across such a service. Kudos to the team!
Use case in focus:
- 
Online Fees Collection
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Solutions%20Education&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
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## Understanding Electronic POS Systems
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Table of Contents
Toggle
_In this post, we’ll touch base on what an electronic point of sale (EPOS) system is, how it works, the key benefits it offers to various players._
* * *
The electronic point of sale (EPOS) systems are taking over the [$9.3 billion POS market](https://financesonline.com/pos-statistics/) by storm.
A bold claim, however, many latest industry reports back it up.
For instance, as per Forbes, nearly [61% of businesses](https://www.forbes.com/sites/forbestechcouncil/2018/05/25/what-is-cloud-point-of-sale-and-how-is-it-different-from-traditional-pos/?sh=237c27011180) aim to shift to a cloud-based POS system in the coming future. At the same time, [60% of all retailers](https://reformingretail.com/index.php/2018/08/28/have-we-reached-peak-legacy-pos/) prefer EPOS over traditional POS systems as they’re cost-effective, simple-to-use, flexible, and highly functional.
softPOS Interest Form
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## softPOS by Cashfree Payments!
Accept Contactless Payments From Any Android Device 📱
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However, there’s more to using electronic point of sale systems than this.
Let’s dive deep and find out ourselves.
Starting with the very basic questions – what electronic point of sale system is suited for today’s day and age?
## What Is An Electronic Point of Sale (EPOS) System?
An electronic point of sale (EPOS) system is a new-age payment acceptance machine that:
- Enables quick and smooth flow of transactions between terminals
- Helps accept payments using new-age digital payment methods. These include cards, UPI, QR scans, payment links and more
- Serve as an excellent alternative to a physical point of sale machines.
With electronic point of sale systems, any merchant can start accepting payments by simply **downloading an EPOS app on an NFC-enabled device**.
The application instantly converts the merchant’s device into a point of sale machine. This eliminates the need to buy and maintain a hefty hardware like in the case of a traditional POS system.
Moreover, [electronic point of sale systems](https://blogrevamp.cashfree.com/digitizing-pos-payments/?utm_source=blog&utm_medium=organic&utm_campaign=epos) offers the instant gratification that modern buyers seek.
They’ve also helped a large part of the Indian retail community, especially the MSMEs, to get back on their feet post the COVID-19 pandemic depression.
_Please note, the terms EPOS and softPOS are used interchangeably. Their meaning and functionality remain the same._
## What Are The Functionalities Of Electronic Point Of Sale Systems?
Electronic point of sale is an **excellent combination of hardware and software** that make payment acceptance easy, effective, and efficient.
Moreover, unlike traditional till systems with limited functionalities, electronic point of sale systems come with many advanced features. These include,
- Quickly accepting payments and returns
- Generating receipts in real-time
- Storing and processing payment information
- Generating detailed purchase reports
- Managing business inventory
- Offering discounts and promotions
Retailers can even connect electronic point of sale systems to other devices such as:
1. Mobile phones
2. Tablets
3. Barcode scanners
4. Receipt printers
This way, they can customise their functionality to suit their individual business needs.
Best of all, electronic point of sale systems ensures that all business transactions stay organised.
Everything is automatically stored in a chronological manner, enabling retailers to generate custom reports to analyse sales and take future business decisions.
## What Are The Different Types Of POS Systems
Usually, **three types of point of sale systems** are used by merchants in today’s time.
1. Physical POS systems
2. mPOS systems
3. [SoftPOS](https://blogrevamp.cashfree.com/soft-pos/?utm_source=blog&utm_medium=organic&utm_campaign=epos)/EPOS systems.
While the basic functionality remains the same, they differ in terms of tech and development.
| | | | |
| --- | --- | --- | --- |
| | **Physical POS** | **mPOS** | **softPOS** |
| **Requirements for Payment Acceptance** | Requires a physical terminal to commence payment collection | Requires a smartphone, a POS application and a card reader to accept payments | Requires an NFC-enabled smartphone and an application to collect payments |
| **Is it Hardware or Software?** | Hardware | Hardware | Software |
| **Hardware Requirements** | Physical Terminal | EMV enabled device (usually called the card reader) | ZERO hardware requirements |
| **Installation Requirements** | Need for additional hardware and proper installation | Need for additional hardware, but installation is simple | No need for additional hardware or installation |
| **Purchase Cost** | High purchase and installation cost | Comparatively lower purchase and installation cost | Negligible purchase and installation cost |
| **Maintenance Cost** | High on maintenance and upgradation cost | Comparatively easy to maintenance and upgradation cost | Very easy to maintain and no upgradation cost |
| **Customisation** | Custom-creating such systems is not easy | Adding customisations is possible, to an extend | Highly customisable in nature |
| **Data Storage** | Transactional data stored at the site of the cash register | Cloud Technology | Cloud Technology |
## How Does An Electronic Point Of Sale System Work?
The traditional point of sale systems were simple cash registers that were created to prevent/reduce pilferage.
Many advancements in technology and the introduction of new modes of payments encouraged the inception of cloud-based POS systems. They are known to be:
- Increasingly sophisticated and highly versatile
- Customizable depending upon business needs
- Comparatively cheaper
- Feature-rich and easy-to-use
Besides these, modern point of sale systems also helps merchants capture customer information that helps them analyse many critical business metrics.
What’s more, new electronic point of sale systems can be squeezed into small, **pocket-sized hardware such as smartphones**. These come in handy for merchants and save POS costs as well.
On top of this large retailers, such as supermarkets, can link electronic POS systems to:
1. Barcode scanners
2. Touchscreen input
3. Weighing scales
On the other hand, small retailers, such as grocery shop owners or mini cafes can integrate these EPOS systems with their existing ERPs.
## What’s An Electronic Point Of Sale Till System?
Electronic point of sale systems have advanced with time. However, they still serve the same functions as the traditional cash registers.
However, they offer **higher functionality at lower costs.**
A monitor, tablet, or any terminal is critical to processing purchases and accept payments. This is where all the essential checkout functions take place.
The only difference is that, unlike traditional tills, the terminals of the new electronic point of sale system is linked to a powerful software enabling better functionality.
Given below is a visual representation of traditional versus contemporary point of sale systems.
## What Are The Benefits of EPOS Systems?
Unlike their traditional counterparts, contemporary EPOS systems offer several long-term benefits to retailers. Some of these are as follows:
In a time when businesses of all types and sizes are recovering from the aftermath of the COVID-19 pandemic and trying to save as much money as they can, electronic point of sale systems serves as a long-term cost-saving investment.
Electronic point of sale systems can help,
- Generate noticeable savings on accounting
- Increase stock control efficiency
- Serve as a database curator to analyse customers and their behaviours
## Promise of SoftPOS- The Modern Electronic Point Of Sale System
The market today is swamped with options.
Many even offer customizations and POS APIs which allow point of sale systems to integrate with different fintech products.
However, at the end of the day, everyone needs a point of sale system that’s handy, efficient and user friendly.
softPOS is one such capability-enabled POS device for the Indian merchant market.
[](https://blogrevamp.cashfree.com/soft-pos/?utm_source=blog&utm_medium=organic&utm_campaign=epos_blog)
In fact, SoftPOS is often dubbed as the **modern electronic point of sale system**.
It aims to offer a solution that provides freedom from external hardware integrations and serves as a perfect one-size-fits-all solution for all merchants.
Listed below are some benefits that softPOS will offer to various industry stakeholders.
### Small and Medium Businesses (SMBs)
SoftPOS can enable small and medium businesses to:
- Reduce turnaround time
- Enable digital and contactless payments
- Dilute the attached costs
Small and medium businesses like Kirana stores, brick-and-mortar stores, freelancers, NGOs, etc. have suffered hugely in terms of reduced footfall. This was due to the outbreak of the COVID-19 pandemic and its after-shocks.
Since these businesses have smaller budgets, softPOS will serve as an excellent solution to easily and easily accept low ticket-size online payments.
[Image Source](https://events.cashfree-mail.com/soft-pos-whitepaper)
### Retail Businesses
Some examples of retail businesses are supermarkets, grocery stores, electronic and hardware stores, etc.
They have to constantly keep a track of their inventory, online and offline orders, inflow and outflow of payments, etc.
Manually managing such activities is highly cumbersome.
Here, the modern electronic point of sale system shows a way out.
SoftPOS enables retailers to conduct all business-related critical activities through this handy solution.
Using the softPOS system, retailers will be able to:
- Manage inventory
- Track sales across various online and offline channels
- Print bills and labels
- Reconcile accounts
- Generate sales reports
- Gain insights into the performance of the business
- Accept payment via multiple payment modes including cards, UPI, QR scan, payment links, etc.
- Provide credit-based payment options such as buy now, pay later, EMIs, etc.
With softPOS, retailers can also accept hasslefree cashless payments without incurring any additional cost on hardware.
Resultantly, they can commence day-to-day business activities effectively and efficiently.
### Restaurants
Different types of restaurants have different needs.
These needs extend to POS systems as well.
For instance, a food court may require a self-service kiosk with an easy [payment system](https://cashfree.com/blog/payment-systems-for-ecommerce/?utm_source=blog&utm_medium=organic&utm_campaign=epos).
Meanwhile, a high-end restaurant may want to manage orders and integrate the same with kitchen displays.
softPOS systems cater to all such specific needs. It offers a simple and convenient way for all types and sizes of restaurants to bring mobility to their business, especially in terms of payments.
softPOS also serve an amazing solution for food trucks, cloud kitchens, makeshift food outlets, etc.
Some exclusive solutions that softPOS systems offers are as follows.
- Customisable solution
- Manage pricing, special offers, happy hour discountings, etc.
- Customer management, reservations, etc.
- Employee management and scheduling
- Reports and analysis
### Service-based Businesses
Service-based businesses ideally comprise entertainment, beauty, and wellness services. The primary focus of such businesses is to
- Manage and schedule appointments
- Provide service details via kiosks along with self-checkout
- Offer on-floor payments
With an increase in at-home services such as beauty treatments, food delivery, medicine delivery etc.
SoftPOS helps such businesses by offering portable and easy-to-use payment accepting solutions.
### Delivery Agents
While the at-home deliveries have exponentially increased since the outbreak of the COVID-19 pandemic, a major chunk of orders have also not been processed due to payment in cash.
Many delivery agents refused to accept cash as a precautionary measure.
Now, delivery agents could easily download modern electronic point of sale system apps on their smartphones and efficiently collect payments.
This will not only help delivery agents keep themselves protected from virus transmission but also benefits the businesses to lower costs and process more orders.
Delivery agents can simply ask the customer to scan a QR code or send a payment link via softPOS to their registered mobile number to complete the transaction.
[](https://blogrevamp.cashfree.com/soft-pos?utm_source=blog&utm_medium=organic&utm_campaign=epos)
## EPOS: Enabling Digital Payments in Offline Spaces
Here’s a view of how the new smart electronic point of sale systems work in India.
The Reserve Bank of India recently announced the launch of a new framework under its digital payments umbrella – [offline digital payments](https://cashfree.com/blog/offline-digital-payments/?utm_source=blog&utm_medium=organic&utm_campaign=epos).
Under this framework, the citizens of India will now be able to make small value digital payments in the offline mode. Individuals can,
- Make digital payments even with no internet or telecom connectivity
- Use payment instruments or channels like cards, wallets, or mobile devices to make digital payments in offline mode
- Make payments of up to INR 200 per transaction and INR 2000 per instrument until the balance runs out.
Here, electronic point of sale systems can turn offline or COD orders into online orders using QR codes/payment links.
Moreover, they can:
- Enable accepting payments via multiple offline payment instruments
- Record transactions and print receipts
- Send signals/intimations to banks/issuers indicating the merchant credits and consumer debits
- Send transaction messages to consumers when they’re in online mode.
To say, the new electronic point of sale systems are serving as the backbone for the RBI, helping to facilitate such innovative payment methods.
The Esystems are making it simpler and more convenient for merchants and consumers to transact today than almost half-a-decade ago.
## 3 Common Mistakes To Avoid While Buying Electronic Point Of Sale Systems
While we’ve been heavily vouching about the advantages of why merchants must use an electronic point of sale system. It’s equally important to choose the right EPOS system that proves beneficial in the long run.
Listed below are three common mistakes to avoid while buying an electronic point of sale system.
### Not Knowing Your Business Needs
Modern electronic point of sale systems are more than just instruments to accept payments.
Many come equipped with various contemporary functionalities that help carry out critical business tasks easily. For instance,
- Tracking sales and get access to critical business information
- Managing inventory using the POS machine itself
- Automating information collection process
- incorporating discounting system in the machine
While choosing an electronic point of sale system, make a note of the functionalities essential to your business.
Once done, you’ll be able to quickly decide the kind of EPOS system your business needs.
You can also ask for demos from EPOS service providers to understand the instrument’s functionalities and get customisations done accordingly.
### Buying The Cheapest Option
This is another common mistake that most merchants make irrespective of the type and size of their business.
Especially if they’re a first-time user.
They believe that buying a cheaper option is always better
- To understand the basic use-case of a device
- Because it goes easy on the pocket
- Because it may be easier to understand than the expensive counterparts.
Why does this mentality needs to change?
While low price electronic point of sale systems look enticing, they come with **many hidden costs.** This includes constant software updates, need for additional hardware support, and so on.
We’re not vouching for you to buy an expensive EPOS system. Rather make a smart decision. Find an electronic point of sale system that:
- Fits your business needs
- Offers all the basic functionalities your business expects
- Doesn’t make a hole in your pocket
SoftPOS by Cashfree Payments is an excellent option to choose from.
In fact, it is equipped with many modern business functionalities and doesn’t need any external hardware to support the POS system.
[](https://blogrevamp.cashfree.com/soft-pos/?utm_source=blog&utm_medium=organic&utm_campaign=epos_blog)
**_Related Read –_** [_Supporting digital payments adoption via the promise of softPoS_](https://events.cashfree-mail.com/soft-pos-whitepaper)
### Not Doing Due Diligence
Third on the list of not doing proper due diligence – neither the product nor the seller.
Before finalising a product, ask yourself a couple of questions.
- Does your Esystem accept payments in all popular payment modes?
- Will the payments be secure? Is your EPOS provider PCI-compliant?
- What are the industry segments that the company caters to?
- What kind of after-sales services does the company offer – technical assistance, support, training, etc.?
- Are there any case studies to refer to understand whether or not your selected sPOS system is effective?
- Does your EPOS provider provide a unified payments system? Do they offer a dashboard, [reconciliation](https://cashfree.com/blog/reconciling-your-payment/?utm_source=blog&utm_medium=organic&utm_campaign=epos) services, [payment aggregator](https://cashfree.com/blog/payment-aggregator/?utm_source=blog&utm_medium=organic&utm_campaign=epos) features and more?
Bottom line: don’t forget to do your research before investing into a payment system.
## 4 Challenges Pertaining To Use Of Electronic Point Of Sale Systems In India
Electronic point of sale systems are an extraordinary invention.
They’ve practically changed the entire payment acceptance game at merchant level.
However, even such remarkable inventions come with many challenges.
Here is a bird’s eye view of those challenges.
### Converting Existing Cards Into Contactless Cards
A majority of cards being used in the Indian market today aren’t equipped with contactless payment facility.
They need to be converted into contactless cards to increase contactless usage at EPOS systems, especially with the pandemic here to stay.
### Distribution of NFC-enabled Phones
Similar to cards, many feature phones aren’t NFC-enabled to allow merchants to accept contactless payments via their phones.
To make EPOS a success in the market, it’s essential to ensure widespread distribution of NFC-enabled smartphones or the development of an application that supports NFC payments.
### Solving Upgradation Issues
There’s always a long-term challenge behind upgrading.
Smartphones (or other hardware), as well as software (and cloud facilities), need to adapt to the ever-evolving payment acceptance needs.
### Increasing The Use Of Smartphones PAN India
As per Statista, approximately [only 845 million Indians had smartphones in 2021](https://www.statista.com/statistics/467163/forecast-of-smartphone-users-in-india/) as opposed to the country’s total population of 139 billion.
Increasing the use of smartphones and feature phones has become a necessity to ensure the success of EPOS systems in India.
However, the RBI’s focus on offline payments via feature phones is a blessing in disguise.
It’ll be interesting to see how electronic point of sale systems adapt to these challenges.
## Explaining softPOS Systems by Cashfree Payments
While multiple service providers are offering highly sophisticated EPOS systems in India, not all have the ability to cater for all types and sizes of business. softPOS by Cashfree Payments solves the problem.
softPOS by Cashfree Payments is an EPOS solution that covers a wide variety of payment options along with the tap and pay feature which differentiates it from its market counterparts.
No matter the kind of business you run, softPOS solution will solve all your payment problems.
- Custom-designed softPOS systems with multiple integration options
- An exhaustive variety of payment options available for customers to choose from
- Highly intuitive dashboard that enables you to manage payments, run reconciliations, generate sales reports, and update inventory.
softPOS systems by Cashfree Payments are transparent, the best services with no hidden charges. It’s a one-stop solution for all your needs.
## How To Accept Payments Using softPOS By Cashfree Payments
Most modern-day POS systems, such as one offered by Cashfree Payments, enable retailers to accept payments via different methods. Some of these are as follows.
### 1\. QR Codes
QR codes or quick response codes have become the most common type of payment mode in today’s time.
They’re quite handy and enable quick payments.
In the case of EPOS, to accept payment via QR code, enter the following details to generate a custom QR code.
- Amount be paid by the customer
- Customer mobile number for identification purposes
- Unique invoice number for accounting and reconciliation purposes
- Order Note to capture any additional information
Once done, all a customer needs to do is just scan the custom-generated QR code using applications like GPay PhonePe, Paytm, etc. and make payment.
### 2\. Payment Link
You can send quick payment links to a customer’s phone via SMS or any other messaging platform using the Payment Link feature. Customers can click on the link and process the necessary payment.
The payment link ideally contains the following details.
- The exact amount to be paid by the customer
- Customer mobile number on which the payment link was sent
- Invoice number for accounting and reconciliation purpose
- Order number to capture any additional information
[](https://blogrevamp.cashfree.com/payment-links?utm_source=blog&utm_medium=organic&utm_campaign=epos_blog)
### 3\. Cash
This option, in most cases, is given only to facilitate collection reconciliation in the backend.
In this case, the retailer only needs to enter the amount and the transactions are registered automatically in the system.
### 4\. Tap And Pay
This facility is only available to users using NFC-enabled Android devices.
Retailers can accept card payments from customers via a single tap on their phones.
The collection limit in the case of tap and pay via mobile phones is set at INR 5000 per transaction as per the RBI guidelines.
Moreso, the payment mode conducts a simple biometric check using the smartphone’s in-built fingerprint or pin-code security feature.
Post the biometric check, the customer only needs to enter the payable amount and the rest of the process happens automatically. Transaction status is shared on the customer’s smartphone in a matter of seconds.
### 5\. Switch Payment Option
Many times online payments via Payment Links or QR Codes may not get processed due to various reasons.
In such cases, retailers can switch between payment modes and help customers complete the transaction without starting the transaction all over again.
At present, only a handful of EPOS service providers such as Cashfree Payments offer this feature.
Do these options sound intriguing? Schedule a call to know more.
[](https://blogrevamp.cashfree.com/payment-gateway-india/?utm_source=blog&utm_medium=organic&utm_campaign=epos_blog)
[online payment gateway](https://blogrevamp.cashfree.com/tag/online-payment-gateway/) [Payment Links](https://blogrevamp.cashfree.com/tag/payment-links/) [payment solution](https://blogrevamp.cashfree.com/tag/payment-solution/)
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Author [Astha Khandelwal](https://blogrevamp.cashfree.com/author/asthakhandelwal02/ "Posts by Astha Khandelwal")
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### [Elevate Your D2C Website to Compete with the Giants](https://blogrevamp.cashfree.com/elevate-d2c-website-for-better-checkout-experience/)
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### [Secure Payment Solutions for Shopify: How to Protect Your Store from Fraud?](https://blogrevamp.cashfree.com/secured-payment-solutions-for-shopify-store/)
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## No Code KYC Solution
# KYC Link
## India’s first no code KYC solution
Go live with zero integration and start sending KYC links through email and whatsapp to your users to verify them for onboarding, high value purchases, regulatory requirements, and much more.
- Avail PAN, Aadhar, Bank Account, UPI in a single place
- Create your own branded KYC link
- Verify 10,000 users in one go
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=kyc%20link&action=Sign%20Up&button-id=StartNow_Hero) Contact Sales
## Start verifying and onboarding customers with no in-house support
Go-live in minutes with zero integration and save 10+ weeks of developer time, get a comprehensive dashboard for all your onboarding operations.
### No manual documentation
Eliminate the need for manual document sharing - users can open the link and enter all details such as PAN, Aadhaar, Bank Account Details and more.
### Boost your Revenue
Improve your user acquisition by 20%, by sending KYC links to dropped users to activate them instantly.
### Enhanced Accuracy
Give power back to the user by enabling them to fill their own KYC details and reduce onboarding failures due to incorrect details by 60%.
### 100% Compliance & data privacy
Stay compliant by ensuring user does not share PAN & Aadhar data with you and the verification is done as per regulations.
## Customization to make it your own
Flexible configurationsCustomize with easeWhatsApp-friendly
Flexible configurations
Define the KYC your user needs to complete to get onboarded or to transact
[Learn more](https://docs.cashfree.com/docs/verification-forms)
Customize with ease
Create custom onboarding forms everytime to give your user your branded experience
[Learn more](https://docs.cashfree.com/docs/verification-forms)
WhatsApp-friendly
Send the custom link to your users and activate dropped off users
[Learn more](https://docs.cashfree.com/docs/verification-forms)
Comprehensive User Self KYC Solution
- Penny Drop Verification
- Aadhaar Verification
- PAN Verification
- IFSC Verification
Penny Drop Verification
Verify if a bank account exists, match name provided by beneficiary with name at bank and minimise the failed or transfer reversals. Know the accurate reason for verification failure.
[Learn more](https://www.cashfree.com/bank-account-verification/)
Aadhaar Verification
Validate the user's 12-digit Aadhaar number and get details like the registered name, gender, date of birth, address, state, user's image, father's name, contact number and email address in seconds.
[Learn more](https://www.cashfree.com/aadhaar-verification/)
PAN Verification
Verify if the PAN is valid, identify the registered name of the cardholder, along with the type of PAN- individual or business against the latest updated PAN database.
[Learn more](https://www.cashfree.com/PAN-verification/)
IFSC Verification
The most exhaustive list of IFSC codes updated weekly. Verify whether the IFSC is valid, the bank name and bank branch that it belongs to.
[Learn more](https://www.cashfree.com/bank-account-verification/)
Penny Drop Verification
Penny Drop Verification
Verify if a bank account exists, match name provided by beneficiary with name at bank and minimise the failed or transfer reversals. Know the accurate reason for verification failure.
[Learn more](https://www.cashfree.com/bank-account-verification/)
Aadhaar Verification
Aadhaar Verification
Validate the user's 12-digit Aadhaar number and get details like the registered name, gender, date of birth, address, state, user's image, father's name, contact number and email address in seconds.
[Learn more](https://www.cashfree.com/aadhaar-verification/)
PAN Verification
PAN Verification
Verify if the PAN is valid, identify the registered name of the cardholder, along with the type of PAN- individual or business against the latest updated PAN database.
[Learn more](https://www.cashfree.com/PAN-verification/)
IFSC Verification
IFSC Verification
The most exhaustive list of IFSC codes updated weekly. Verify whether the IFSC is valid, the bank name and bank branch that it belongs to.
[Learn more](https://www.cashfree.com/bank-account-verification/)
Seamlessly onboard your users - online or offline - with KYC Link
Online Onboarding
- ### **Ecommerce marketplaces** Onboard sellers within minutes on your platform by enabling them to complete KYB via Whatsapp
- ### **Early stage Fintechs** Get early validation for your product without the need for any development effort on customer onboarding
- ### **Freelance & Gig Economy Platforms** Onboard freelancers or gig economy workers and verify their bank details for secure payouts
- ### **Real Estate E- Platforms** Verify identity of property sellers and buyers, ensuring trust and transparency in your platform
- ### **Reseller and Affiliate programs** Let your affiliate partners or resellers onboard new users and complete kyc with zero friction
Offline Onboarding
- ### **Rental Platforms** Share link to complete KYC at the time of booking or at the time of delivery or pick up, for a seamless customer experience
- ### **Tourism and Hospitality** Authenticate guests right after their online booking to make their travel and check-in hassle free
- ### **Employment Agencies** Let candidates complete their identity verification on their own and fastrack the background verification process
- ### **Event & Conference Organizers** Deploy KYC Link to register attendees for large scale events, conferences with a single click
- ### **High value and regulated purchases** Verify the authenticity of your buyer, as per regulatory mandates, before sale of high value items
Trusted by industry leaders
Tata AIG, a leading General Insurance company has integrated Bank Account Verification APIs with the Name match feature as a part of their overall KYC process to reduce fraud and control disbursements of claims.
Use case in focus:
- 
Verification Suite
Bajaj Finance verifies it's customers before activating any of their products like loans, insurance, FD's or before loan disbursal for personal, business or professional requirements.
Use case in focus:
- 
Verification Suite
Facilitating over 5 Lakh+ users with Smart Card solution for children, Junio integrated Verification Suite APIs with their existing platform to automate the overall onboarding KYC process.
Use case in focus:
- 
Verification Suite
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is the KYC Link?
KYC Link is a no code link based verification solution that allows businesses to easily verify the identity of users by sending them a verification link through Email, WhatsApp, or SMS.
Users can open this link to enter their KYC details, like bank account number, PAN, Aadhaar, etc., and complete the KYC process seamlessly during onboarding.
### How does the KYC Link works?
The business sends a Verification Link to the user via their preferred communication channel which can be email, WhatsApp or SMS. Upon receiving the link, the user opens it and inputs the necessary KYC details, which are then securely transmitted back to the business for verification.
### Why would my business need the Verification Link?
The Verification Link is perfect for businesses that want a hassle-free, streamlined process to verify the identity of their users without the need for coding or complex integrations. It helps in ensuring compliance, fraud prevention, and building trust with your customers.
Do users need to download an app to use complete the KYC using the Verification KYC Link?
No, users do not need to download any application. The Verification Link opens in a web browser, allowing users to complete the process easily from any device with internet access.
### What happens if a user doesn’t complete the verification after clicking on the link?
If a user doesn't complete the verification, the link will eventually expire based on the duration set by the business. You can also set reminders or resend the link if needed.
### Can I customize the appearance and content of the Verification Link interface?
Yes, the Verification Link solution offers customization options to ensure it aligns with your brand’s aesthetics and specific requirements.
### How will I know when a user has completed their verification?
You will receive a notification or update in your dashboard every time a user completes their verification. This ensures you can take timely actions or follow-ups as necessary.
### How secure is the Verification Link process?
The security of your users' information is our top priority. The Verification Link uses advanced encryption standards to ensure data is securely transmitted and stored. Moreover, Cashfree Payments follows industry-best practices to safeguard all collected information.
How can businesses integrate the Verification Link into their systems?
Since Verification Link is a no-code solution, businesses can easily integrate it without the need for specialized technical knowledge or coding skills.
### What types of businesses can benefit from using Verification Link?
Any business that requires user identity verification can use the Verification Link, including but not limited to financial institutions, e-commerce platforms, online gaming sites, and telecommunications companies.
### Are there any limitations on the number of verification links I can send?
Using your Cashfree Payments Dashboard, you can generate a single link or links in bulk by just providing name and phone number of user.
### Is there a cost associated with using the Verification Link solution?
Link creation is absolutely free. Standard Verification pricing will apply depending on the verifications you chose from - eg Bank Account Verification, PAN Verification etc. For custom pricing, log in to your account and reach out to your Sales Account Manager.
### How can I get started with the Verification Link?
Getting started is simple! Sign up with Cashfree Payments, choose the Verification Form solution, and follow the easy setup instructions. You'll be ready to send verification links in no time!
Note: Always ensure you have permission from users before sending them any form of communication or requesting personal information to avoid getting blocked or marked spammed on WhatsApp.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other Cashfree Payments products
### Secure ID
Onboard users seamlessly with our compliant and highly customisable 360° identity verification platform
[Learn More](https://www.cashfree.com/kyc-verification/)
### Payouts
Easiest way to make payouts to any bank account, UPI ID, card, AmazonPay, Paytm or other native wallet 24\*7 instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Payment Gateway
Collect domestic and international payments on your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI e mandate.
[Learn More](https://www.cashfree.com/recurring-payment/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=kyc%20link&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Card Preauthorization Benefits
# New in Payments
#### Debit and Credit Card Preauthorization
Know all about preauthorization on card payments and how it benefits customers and businesses receiving online payments
## What is Preauthorization on Card Payments?
Preauthorization (also card authorization, authorization hold or preauth) is a facility that payment gateways such as Cashfree offer to online merchants to temporarily block some amount of funds when a customer places an order. If the order is modified or canceled within a specific time frame (typically 5 days), the merchant can mark the transaction void and the amount goes back to the consumer’s original payment source.
## How Does Preauthorization Work?
Let’s take an example of a transaction where a customer has made payment using a credit card and now wants to cancel the order and get the refund.
## Benefits of Preauthorization for Merchants
- 
Assurance that enough funds are maintained by the customer
- 
No transaction cost (TDR) paid on canceled orders or where refund is requested as the amount goes directly from payment gateway to the customer
- 
Improved customer experience since customers get the refund instantly or within 1-2 hours
- 
Improvement in operational efficiency since the procedure to update refund request in the system and then doing outward payments is avoided
Did you know?
A chargeback can not be issued by a cardholder if the funds have not been captured. This means that online merchants using preauthorization can process transactions without having to worry about chargebacks if using stolen cards.
Use Case
- Hospitality & Entertainment
- Option to change order details after completing checkout
## Hospitality & Entertainment
**Online ticket booking -- travel and entertainment**
Online ticket booking platforms such as bus seat booking, train ticket, etc see high frequency of ticket cancelations and modifications. The refunds then take 10-15 days, which is inconvenient for customers as their money is stuck and is costly for merchant since he/she bears the transaction cost even though revenue is refunded. Using preauthorization, platforms are enabling instant refunds.
**Hotel room reservation**
Hotel rooms are often booked well in advance. Some hotels charge the full tariff upfront while others take only 30-40% as advance. In case the guest wants to cancel the booking or asks for changing the reservation date and room is not available, the hotel needs to refund the amount that can take 10-15 days. Using Preauthorization feature on checkout, the hotel can ensure the availability of funds for itself and easy refunds to guests when needed.
**Pre-paid services where deposit amount is collected**
A classic example is a self-driven car renting platform where the merchant collects a security amount that covers fixed and variable expenses along with the margin. At the end of the trip, often the balance is adjusted mostly as refund. Using preauthorization, the service provider can put the amount on hold while allowing for an easy refund to the consumer at the end of the trip.
## Option to change order details after completing checkout
**Option to change order details after completing checkout**
Many times, the customer might want to modify the customization of the order (example, size) after placing or add additional items. Having not already completed the transaction can avoid the need for an additional payment in case the cart value changes.
**High ticket size products or high return rates**
Preauthorisation is suited for high ticket size sales -- online jewellery, for example -- or apparel, where the customer can try the order and return within the refund policy timeline. Here, merchants can use preauthorization and put the order amount on hold. If a return is requested, the merchant can void the transaction and even deduct cancellation charges. If a refund is not requested within the time frame, merchant can capture payment.
Hospitality & Entertainment
## Hospitality & Entertainment
**Online ticket booking -- travel and entertainment**
Online ticket booking platforms such as bus seat booking, train ticket, etc see high frequency of ticket cancelations and modifications. The refunds then take 10-15 days, which is inconvenient for customers as their money is stuck and is costly for merchant since he/she bears the transaction cost even though revenue is refunded. Using preauthorization, platforms are enabling instant refunds.
**Hotel room reservation**
Hotel rooms are often booked well in advance. Some hotels charge the full tariff upfront while others take only 30-40% as advance. In case the guest wants to cancel the booking or asks for changing the reservation date and room is not available, the hotel needs to refund the amount that can take 10-15 days. Using Preauthorization feature on checkout, the hotel can ensure the availability of funds for itself and easy refunds to guests when needed.
**Pre-paid services where deposit amount is collected**
A classic example is a self-driven car renting platform where the merchant collects a security amount that covers fixed and variable expenses along with the margin. At the end of the trip, often the balance is adjusted mostly as refund. Using preauthorization, the service provider can put the amount on hold while allowing for an easy refund to the consumer at the end of the trip.
Option to change order details after completing checkout
## Option to change order details after completing checkout
**Option to change order details after completing checkout**
Many times, the customer might want to modify the customization of the order (example, size) after placing or add additional items. Having not already completed the transaction can avoid the need for an additional payment in case the cart value changes.
**High ticket size products or high return rates**
Preauthorisation is suited for high ticket size sales -- online jewellery, for example -- or apparel, where the customer can try the order and return within the refund policy timeline. Here, merchants can use preauthorization and put the order amount on hold. If a return is requested, the merchant can void the transaction and even deduct cancellation charges. If a refund is not requested within the time frame, merchant can capture payment.
## Enable Preauthorization on checkout
Enable preauthorization on checkout and give instant refunds to customers while saving on transaction charges
#### Available on
Debit Card & Credit Card
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Pre%20Auth&action=Contact%20Sales&button-id=ContactSales_EnablePreauthorization)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Pre%20Auth&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Cashfree and IP Ventures Partnership
Share
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwhat_new_inflectionpoint_cashfree_partnership%2F "Share on Facebook") [Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwhat_new_inflectionpoint_cashfree_partnership%2F&text=%5BWhat%E2%80%99s%20New%5D%20Inflection%20Point%20%28IP%29%20Ventures%20joins%20hands%20with%20Cashfree%20Payments%20to%20enable%20growth%20for%20startups%20with%20next%20age%20payments%20solutions "Share on Twitter") [Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwhat_new_inflectionpoint_cashfree_partnership%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2022%2F02%2FInflection-2.png&description=%5BWhat%E2%80%99s%20New%5D%20Inflection%20Point%20%28IP%29%20Ventures%20joins%20hands%20with%20Cashfree%20Payments%20to%20enable%20growth%20for%20startups%20with%20next%20age%20payments%20solutions "Pinterest") [LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwhat_new_inflectionpoint_cashfree_partnership%2F "LinkedIn") [Email](mailto:?subject=%5BWhat%E2%80%99s%20New%5D%20Inflection%20Point%20%28IP%29%20Ventures%20joins%20hands%20with%20Cashfree%20Payments%20to%20enable%20growth%20for%20startups%20with%20next%20age%20payments%20solutions&body=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwhat_new_inflectionpoint_cashfree_partnership%2F "Email")
Table of Contents
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## Welcoming IP Ventures as Cashfree Payments Partner
We are delighted to announce our partnership with [**Inflection Point Ventures**](https://ipventures.in/), a platform, which supports entrepreneurs, providing monetary and experiential capital by connecting them with a diverse set of **6000+** angel investors.
With this partnership, **100+** early stage startups associated with Inflection Point Ventures will be able to accept and disburse online payments seamlessly using Cashfree Payment Gateway and Payouts.
**[Cashfree Payment Gateway](https://blogrevamp.cashfree.com/payment-gateway-india/?utm_source=blog&utm_medium=organic&utm_campaign=What_new_InflectionPoint_Cashfree_partnership)** enables businesses to accept payments online instantly through **120+** payment modes including Cards, Net Banking and new age payment methods like Buy Now Pay Later(BNPL).
Moreover, businesses without a website can generate dynamic **[Payment Links](https://blogrevamp.cashfree.com/payment-links?utm_source=blog&utm_medium=organic&utm_campaign=What_new_InflectionPoint_Cashfree_partnership)** that contain the details of the products they sell and amount to be paid. The links can be shared with customers via SMS, email, or WhatsApp. Payment Links is a no-code payment solution, which means as a business you don’t need to do any integration work and start accepting payments in minutes.
## **How can early stage startups benefit from this partnership**
With this partnership, early stage startups can:
1. Accept online payments through **120+** payment modes including Credit cards, Debit cards, Net Banking, Buy Now Pay Later (BNPL) and a lot more
2. Generate payment links and send it to customers via SMS, email or share via WhatsApp to get paid in no time without writing any code
3. Make payments to any bank account, UPI ID, Paytm or Amazon Pay wallet, or cards instantly **24×7**, even on a bank holiday using [**Payouts**](https://blogrevamp.cashfree.com/payouts/?utm_source=blog&utm_medium=organic&utm_campaign=What_new_InflectionPoint_Cashfree_partnership)
In case you are looking to create multiple sources of income for your business, you can scale your revenues with ease by earning commission on every transaction your referred merchants make by offering your customers a complete payments solution with **[Cashfree Payments Partner Program](https://blogrevamp.cashfree.com/partner-program?utm_source=blog&utm_medium=organic&utm_campaign=What_new_InflectionPoint_Cashfree_partnership)**.
[cashfree payments](https://blogrevamp.cashfree.com/tag/cashfree-payments/)
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwhat_new_inflectionpoint_cashfree_partnership%2F "Share on Facebook")[Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwhat_new_inflectionpoint_cashfree_partnership%2F&text=%5BWhat%E2%80%99s%20New%5D%20Inflection%20Point%20%28IP%29%20Ventures%20joins%20hands%20with%20Cashfree%20Payments%20to%20enable%20growth%20for%20startups%20with%20next%20age%20payments%20solutions "Share on Twitter")[LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwhat_new_inflectionpoint_cashfree_partnership%2F "LinkedIn")[Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwhat_new_inflectionpoint_cashfree_partnership%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2022%2F02%2FInflection-2.png&description=%5BWhat%E2%80%99s%20New%5D%20Inflection%20Point%20%28IP%29%20Ventures%20joins%20hands%20with%20Cashfree%20Payments%20to%20enable%20growth%20for%20startups%20with%20next%20age%20payments%20solutions "Pinterest")
Author [Ashit Sharma](https://blogrevamp.cashfree.com/author/ashitsharma7750/ "Posts by Ashit Sharma")
#### Related Posts
[](https://blogrevamp.cashfree.com/no-code-kyc-journey-builder-from-secure-id/ "Cashfree KYC Studio: No-Code KYC Journey Builder from Secure ID")
### [Cashfree KYC Studio: No-Code KYC Journey Builder from Secure ID](https://blogrevamp.cashfree.com/no-code-kyc-journey-builder-from-secure-id/)
6 months ago
[](https://blogrevamp.cashfree.com/marmeto-cashfree-partnership-to-simplify-payment-solutions/ "How Marmeto is Elevating E-commerce with Cashfree’s Seamless Payment Solutions")
### [How Marmeto is Elevating E-commerce with Cashfree’s Seamless Payment Solutions](https://blogrevamp.cashfree.com/marmeto-cashfree-partnership-to-simplify-payment-solutions/)
6 months ago
[](https://blogrevamp.cashfree.com/digital-identity-verification-secure-id/ "Cashfree Secure ID : Powering the Next Era of Digital Identity Verification")
### [Cashfree Secure ID : Powering the Next Era of Digital Identity Verification](https://blogrevamp.cashfree.com/digital-identity-verification-secure-id/)
7 months ago
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
- [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
- [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
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[Continue reading](https://blogrevamp.cashfree.com/what_new_inflectionpoint_cashfree_partnership/#)
## One Escrow Services
## ONE ESCROW
Your Trusted Partner for All-in-One
## Escrow Services
Secure your transactions with 'One Escrow'. Verify parties, sign custom agreements, create
# escrow accounts
, hold funds securely, and transact with utmost confidence.
Powered by
- ### Leading Scheduled Commercial Banks
- ### SEBI-backed Trustees
[Talk to our escrow expert](https://www.cashfree.com/contact-sales?source-action=One%20Escrow&action=Contact%20Sales&button-id=ContactSales_Hero)
Join the 100% Club
100%
Secure Payments
100%
Protected and Compliant
100%
Safe Digital Control
100%
Reliable at Scale
### Achieve 3X faster go-live with Cashfree's premier modular
## escrow solution
Schedule a call with our
## Escrow
expert today and get started!
[Schedule Call](https://www.cashfree.com/contact-sales?source-action=One%20Escrow&action=Contact%20Sales&button-id=ContactSales_ScheduleCall)
### Plug-and-play
## Escrow
### Crafted by Market Leaders in Payouts
- Hassle-Free Agreements
- Customisable Ledgers
- ### Secure
## Escrow Verification
- Unified Dashboard
Hassle-Free Agreements
Simplify your workflow with easy agreement creation. Customise on the go with our handy templates, add all the parties, enable simultaneous signing, and progress through the stages in a single click.
Customisable Ledgers
Boost your financial management with our customisable ledgers. Create sub-accounts, easily reconcile, get real-time insights, and integrate smoothly with Cashfree's plug-and-play payments stack for a hassle-free experience in fund management.
Secure Escrow Verification
Keep your transactions safe with our rigorous verification process including PAN and bank account checks, of all escrow parties, to prevent financial fraud and ensure compliance.
Unified Dashboard
Never miss a detail with our transparent transaction monitoring. Track all transactions, both credits and debits related to an escrow agreement on a single dashboard, while ensuring heightened visibility, trust, and reliability among all parties.
Hassle-Free Agreements
Hassle-Free Agreements
Simplify your workflow with easy agreement creation. Customise on the go with our handy templates, add all the parties, enable simultaneous signing, and progress through the stages in a single click.
Customisable Ledgers
Customisable Ledgers
Boost your financial management with our customisable ledgers. Create sub-accounts, easily reconcile, get real-time insights, and integrate smoothly with Cashfree's plug-and-play payments stack for a hassle-free experience in fund management.
### Secure
## Escrow Verification
Secure Escrow Verification
Keep your transactions safe with our rigorous verification process including PAN and bank account checks, of all escrow parties, to prevent financial fraud and ensure compliance.
Unified Dashboard
Unified Dashboard
Never miss a detail with our transparent transaction monitoring. Track all transactions, both credits and debits related to an escrow agreement on a single dashboard, while ensuring heightened visibility, trust, and reliability among all parties.
### Tailor-made to fit your business use cases
Online Marketplaces
Supply Chain Financing
Merger & Acquisition
Vendor Payment Platforms
Brand/Campaign Payments
Credit Card Bill Payments
E-commerce/ D2C
Invoice Discounting
P2P Lending
Fractional Investments
Expense Management
Startup Investments & NCD
Payouts
Subscription Payments
Buy-Sell/Rental
Alternative Investments
Payroll Platforms
VC & Angel Investment
Revenue Based Financing
Co-lending
Save Now Pay Later \[SNPL\]
Security Deposit
Milestone-based Payments
Crowd Sourcing
And many more...
### Not just any other
## Escrow Management Platform
Efficient Fund Management
Open multiple escrows, define routing weightage & automate fund splitting & transfers
Quick Turnaround Time
Speed up your launch with our digital escrows, ensuring swift, timely transactions
Powerful Risk Engine
Multi-level approval workflow guarantees bulletproof security with every step rigorously validated
SEBI Approved Trustee
Secure transactions with our SEBI-backed trustee service, protecting all involved parties
Automated Reconciliation
Achieve near 100% effortless automated reconciliation in under 5 minutes
Industry’s-best TAT & Success Rate
Achieve 99.95% payout success rate with our multi-bank routing
Robust APIs
Ensure seamless integration, supporting 20M daily API requests with 99.99% uptime.
One Stop Solution
Manage pay-ins and payouts, control multiple accounts with a unified, advanced dashboard
### 2,00,000 Cr
Payouts processed every year
### \> 50%
Market share in bulk disbursals in India
### 1000+
Payouts processed every second
Our Merchants:
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
### Why choose us?
Your Trusted Partner in all Transactions
Curious to know how One
## Escrow
can be a game-changer for your business?
[Schedule Call](https://www.cashfree.com/contact-sales?source-action=One%20Escrow&action=Contact%20Sales&button-id=ContactSales_CuriousToKnow)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### \#\# What is escrow?
An escrow is an agreement between two or more parties over a financial transaction, where money is parked until the mentioned conditions in the agreement are met. A neutral third party called a Trustee \[an escrow agent\] makes sure conditions are met and disburses the money to the primary parties as per the agreement. This helps in ensuring trust and transparency between the parties.
### How does escrow work?
- The escrow parties enter into a contractual agreement on the transaction and consent process. This will also be signed by the Trustee as a neutral party
- The Remitter/Buyer Deposits money in Escrow Account
- When Remitter/Buyer feels the terms in the agreement have been met, he gives consent to the Trustee to make disbursal to the Seller/Beneficiary
- If the conditions haven’t been met, the Remitter/Buyer can seek a refund of their money
### Why should I use escrow?
Escrow protects the trust between both transacting parties. None of the parties has to worry about the money being misused as it is safely stored in a bank account until the termination of the Escrow Agreement.
### What are the prerequisite documents required to get started with Escrow?
To open an Escrow account, you need the following documents after your use case is validated:
- Escrow agreement
- PAN & Bank account - KYC verification
- Company details
### Is there a limit to the amount I can put into escrow?
As of now, there is no limit on the amount
### Are my funds safe in escrow?
Yes. Your funds are protected by the Trustee, a neutral third party as per the conditions of the agreement.
### What happens if one party doesn't fulfil their part of the agreement?
If one party doesn’t fulfil their part of the agreement, the other party can request to get their money back, based on the agreement conditions and timelines.
### Can I cancel a transaction once I've put my money into escrow?
Yes. You can cancel a transaction anytime before the expiry of the escrow agreement.
### What use cases does ‘One Escrow’ by Cashfree Payments support?
One Escrow by Cashfree Payments is a plug-and-play escrow platform, supporting all your business use cases including and not limited to payouts, co-lending, supply chain financing, marketplaces/D2C/e-commerce, HRMS/Payroll platforms for salary payouts and many more. Get in touch with our escrow expert to validate your use case now!
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=One%20Escrow&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1071358322.1744092975>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=1478927464)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092976093&cv=11&fst=1744092976093&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102015666~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fescrow-account%2F&hn=www.googleadservices.com&frm=0&tiba=Escrow%20account%20for%20100%25%20secure%20transactions%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1043778166.1744092974&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092976376&cv=11&fst=1744092976376&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102015666~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fescrow-account%2F&hn=www.googleadservices.com&frm=0&tiba=Escrow%20account%20for%20100%25%20secure%20transactions%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1043778166.1744092974&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092976362&cv=11&fst=1744092976362&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102015666~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fescrow-account%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Escrow%20account%20for%20100%25%20secure%20transactions%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1043778166.1744092974&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## BNPL Plus by Cashfree
## BNPL Plus
# Increase your customer conversions by 40%
Turn website visitors into paying customers by displaying EMIs, Pay Later options and offers right upfront on your product pages. Add BNPL Plus to your site and reduce customer drop offs by 30%.
[Get Early Access](https://form.typeform.com/to/zbRkc6Dt?typeform-source=www.google.com)
Powering the conversions for D2C brands
Unlock 40% higher
## average order value
- Remove the customer’s hesitation to buy premium goods by showcasing affordable payment options like No Cost EMIs and
## Pay Later schemes
early on in the shopping journey.
- Supercharge the
## cart to conversion ratio
by highlighting attractive discounts that help your customers save on higher upfront costs.
- Attract repeat purchases and win customer loyalty by empowering them with maximum payment flexibility on every order.
BNPL Plus boosts sales by upto 50% for Ecommerce brands
- 
50% increase in revenue
Ahoy Bikes, a D2C brand known for made-in-India luminous bicycles, displayed Discounts and No Cost EMI options via BNPL Plus and saw 1.5X increase in their sales.
- 
30% higher average order value
FujifilmX, a leading dealer of Fuji Digital Cameras, was able to sell 30% more high-end products within the first few weeks of adding
## BNPL Plus
to the product display pages.
Go live in minutes. Zero tech effort, literally!
## BNPL Plus
is a simple, no-code solution that you can easily plug-in to the product display pages on your ecommerce store.
### Ready-to-install app for Shopify
D2C brands hosted on Shopify can install the BNPL Plus app from the Shopify app store and delight your customers with a superior online shopping experience.
[Install Now](https://apps.shopify.com/cashfree-smartsell?)
### Toggle-on button for Woocommerce
Turn on BNPL Plus with a one-click button from your Woocommerce dashboard and take your online store to the big league of ecommerce within minutes.
[Learn More](https://docs.cashfree.com/docs/smartsell-woocommerce)
### Low-code snippets for own websites
Hosting your business on your own website? We’ve got you covered too! Display lucrative deals, EMIs and Pay Later options on your storefront by plugging in BNPL Plus's ready-to-use, simple code snippet on your site.
[Learn More](https://docs.cashfree.com/docs/smartsell-native-web)
### Intelligent personalization
Powered by Cashfree's Offer Engine, BNPL Plus automatically highlights the most attractive offers and EMIs available for a product.
- Ready-to-install app for Shopify
- Toggle-on button for Woocommerce
- Low-code snippets for own websites
- Intelligent personalization
D2C brands hosted on Shopify can install the BNPL Plus app from the Shopify app store and delight your customers with a superior online shopping experience.
[Install Now](https://apps.shopify.com/cashfree-smartsell?)
Turn on BNPL Plus with a one-click button from your Woocommerce dashboard and take your online store to the big league of ecommerce within minutes.
[Learn More](https://docs.cashfree.com/docs/smartsell-woocommerce)
Hosting your business on your own website? We’ve got you covered too! Display lucrative deals, EMIs and Pay Later options on your storefront by plugging in BNPL Plus's ready-to-use, simple code snippet on your site.
[Learn More](https://docs.cashfree.com/docs/smartsell-native-web)
Powered by Cashfree's Offer Engine, BNPL Plus automatically highlights the most attractive offers and EMIs available for a product.
Ready-to-install app for Shopify
D2C brands hosted on Shopify can install the BNPL Plus app from the Shopify app store and delight your customers with a superior online shopping experience.
[Install Now](https://apps.shopify.com/cashfree-smartsell?)
Toggle-on button for Woocommerce
Turn on BNPL Plus with a one-click button from your Woocommerce dashboard and take your online store to the big league of ecommerce within minutes.
[Learn More](https://docs.cashfree.com/docs/smartsell-woocommerce)
Low-code snippets for own websites
Hosting your business on your own website? We’ve got you covered too! Display lucrative deals, EMIs and Pay Later options on your storefront by plugging in BNPL Plus's ready-to-use, simple code snippet on your site.
[Learn More](https://docs.cashfree.com/docs/smartsell-native-web)
Intelligent personalization
Powered by Cashfree's Offer Engine, BNPL Plus automatically highlights the most attractive offers and EMIs available for a product.
Powered by India’s widest
## BNPL suite
- BNPL Plus is backed by Cashfree’s industry-leading Buy Now Pay Later suite with 35+ Credit Card EMI, Debit Card EMI, Cardless EMI and Pay Later.
- Increase average order by 40%-60% by providing flexible payment options upfront.
- Get access to 20M+ pre-approved customer base and fast-track instant checkout.
- Configure Discounts, Cashbacks and No-Cost EMIs with Cashfree’s No-code Offer Engine.
[Learn More](https://www.cashfree.com/buy-now-pay-later/)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Cashfree’s BNPL Plus?
BNPL Plus by Cashfree Payments is a simple, no-code solution that can be plugged into any ecommerce website's to showcase EMIs, Pay Later options, No Cost EMI schemes, Discounts and Cashbacks right upfront on the product display page.
### How does BNPL Plus work?
Since BNPL Plus is powered by Cashfree's checkout, it automatically displays the various Offers, EMIs and Pay Later options you've configured on your checkout on your online store's product display pages.
### How can I go live with BNPL Plus on my website?
It is very easy to configure BNPL Plus on your online store:
For websites hosted on WooCommerce, [read this document](https://docs.cashfree.com/docs/affordability-widget-shopify)
For websites hosted on Shopify, [read this document](https://docs.cashfree.com/docs/affordability-widget-woocommerce)
For merchants who’ve their own website, [read this document](https://docs.cashfree.com/docs/affordability-widget-native-web)
### Can I use BNPL Plus if I’m using Cashfree’s Standard checkout?
Yes, BNPL Plus is available for merchants using Cashfree Payment Gateway's Standard checkout. All the BNPL options and Offers configured on Cashfree's powered checkout automatically show up on BNPL Plus.
### How to configure Discounts, Cashbacks and No Cost EMIs on BNPL Plus?
There is no separate effort required to display Discounts, Cashbacks and No Cost EMIs on BNPL Plus. The Offers and BNPL options configured on the checkout automatically show up on BNPL Plus.
### Are changes done to Offers and EMIs on the checkout instantly updated on BNPL Plus?
Yes, changes like Offer expiry, alteration in the terms and conditions of EMI plans done from the backend on Cashfree's checkout automatically get updated on BNPL Plus.
### What are the different Buy Now Pay Later options available on Cashfree?
Cashfree offers India's widest BNPL suite with 35+ options across debit card EMI, credit EMI, Cardless EMI and Pay Later. [Learn More](https://docs.cashfree.com/docs/affordability-emi)
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=BNPL%20Plus&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092967553&cv=11&fst=1744092967553&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fbnpl-plus%2F&hn=www.googleadservices.com&frm=0&tiba=BNPL%20Plus%20by%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=478075154.1744092967&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092967614&cv=11&fst=1744092967614&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fbnpl-plus%2F&hn=www.googleadservices.com&frm=0&tiba=BNPL%20Plus%20by%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=478075154.1744092967&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092967607&cv=11&fst=1744092967607&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fbnpl-plus%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=BNPL%20Plus%20by%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=478075154.1744092967&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=947187674.1744092968>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102509682~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=509700738)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Contact Cashfree Payments
Need support?
I made payment via Cashfree Payments
I made a transaction using Cashfree Payments and want to [raise a request](https://www.cashfree.com/en/report-issue/)
FAQs [View all FAQs](https://www.cashfree.com/docs/help/overview)
Account activation
What are the documents needed for activating my Cashfree account?
Once you sign-up, to activate your Cashfree merchant account you need to share business details along with scanned copies of the following business documents. [Read more](https://www.cashfree.com/docs/help/onboarding-related/general-faqs#what-are-the-documents-needed-for-activating-my-cashfree-account)
Do I need to make any changes to my website to make it complaint for account activation?
When you create an account on Cashfree, our team does a business background check including your website and app audit and verifies the details shared by you. On being satisfied, we activate your Cashfree merchant account within 24-48 hours. [Read more](https://www.cashfree.com/docs/help/onboarding-related/general-faqs#do-i-need-to-make-any-changes-to-my-website-to-make-it-complaint-for-account-activation)
How can I start using Cashfree?
To get started with Cashfree website, visit the [Cashfree website](https://www.cashfree.com/), click on [Create account](https://merchant.cashfree.com/merchants/signup/), and complete your profile. You can learn more about our account creation process [here](https://docs.cashfree.com/docs/create-account). [Read more](https://www.cashfree.com/docs/help/onboarding-related/general-faqs#how-can-i-start-using-cashfree)
Pricing
What charges do I need to pay for using Cashfree products?
You can check out all Cashfree products and their pricing here. You can also talk to our payments expert directly and know more about the product and pricing by submitting this [form](https://www.cashfree.com/contact-sales/).
Do you provide billing Invoices for transactions and services used?
For all the transactions processed, an invoice is raised and shows up on your Cashfree Merchant Dashboard on/after the 5th of the next month. You will be notified of the invoice generation on your registered email address provided to us. [Read more](https://www.cashfree.com/docs/help/account/pricing#do-you-provide-billing-invoices-for-transactions-and-services-used)
What is TDR?
Transaction Discount Rate (TDR) is the fee that you pay for every transaction processed using a payment gateway. The rates may differ based on the payment mode used by the customer. [Read more](https://www.cashfree.com/docs/help/account/pricing#what-is-tdr)
General queries
How to integrate Paytm with Cashfree Payment Gateway?
To show Paytm as a payment option on your checkout page, you need to create a Paytm business account and then connect Paytm with Cashfree. [Read more](https://www.cashfree.com/docs/help/payments/integrations/integrations#can-i-integrate-cashfree-payment-gateway-to-paytm)
Can I accept international payments using Cashfree Payment Gateway?
Yes, with Cashfree Payment Gateway you can accept international payments using a wide range of options. [Read more](https://www.cashfree.com/docs/help/payments/transactions/summary#i-want-to-accept-international-payments-can-i-use-cashfree-to-accept-payments-in-other-currencies)
Is Cashfree PCI DSS compliant?
The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard for organizations that handle branded credit cards from major card schemes. [Read more](https://www.cashfree.com/docs/help/payments/transactions/summary#is-cashfree-pci-dss-compliant)
Product queries
Can I receive payments from my customers without integrating Cashfree to my website?
You can use Cashfree Payment Gateway Dashboard to create orders and accept payments using [payment link](https://docs.cashfree.com/docs/payment-gateway-dashboard#create-payment-link).
When will the payment gateway charges be deducted for my transactions?
For every transaction that your customers make through Cashfree, TDR will be deducted from the total amount and the remaining amount will be settled to your bank account.
Can I create Payment Links in bulk?
Yes, you can send Payment Links in bulk with our Batch feature. You can upload a XLSX or CSV file containing the list of customers’ contact details, amount and purpose for the links and send the requests in bulk.
What is Auto Collect?
Cashfree's Auto-Collect solution allows you to accept and manage payments automatically. Create any number of Virtual Account and receive and reconcile inward NEFT, RTGS, IMPS & UPI payments automatically. [Read more](https://www.cashfree.com/docs/help/overview)
What is Easy Split?
Easy Split by Cashfree Payments is a split payment gateway for marketplaces that helps marketplaces accept payments from customers, deduct commissions and automatically settle payments to the vendors. [Read more](https://www.cashfree.com/docs/help/easy-split/faqs/faqs#what-exactly-is-easy-split)
What is a Cashgram?
Cashgram is an instant payout link used by businesses to send money to their customers, vendors, or partners when only their email address or phone number is known. Once the customer redeems the Cashgram, the money will be deducted from your account and transferred to the recipient's account.
Disputes and Chargeback
What is a Dispute/Chargeback?
A dispute is a situation in which there is a disagreement for a particular transaction that is initiated by your customer with the issuing bank or with Cashfree Payments directly. Your customers can also go to cyber cells to report fraudulent transactions. Suspicious transaction disputes are often initiated directly by banks.
- Fraud transactions;
- Product/ services not delivered;
- Defective products or services are delivered;
- Duplicate payments/ double debits; etc
What is Merchant Actionable upon receiving the Chargeback?
Upon receiving such notification from the bank, Cashfree notifies the merchant with the dispute details to submit such supporting documents. Merchant is required to review the chargeback to either accept or contest the chargeback.
For more information about documents, TAT etc. - please [click here](https://docs.cashfree.com/docs/disputes)
## Merchant Support
Find answers to queries related to account activation, products, pricing, settlements etc.
Your Name
Registered business email ID
Phone Number
91+
Describe yourself briefly
Choose what describes you best
Message
Submit
_Track status of your customer's transaction. [Click here](https://www.cashfree.com/en/report-issue/)_
Trusted by businesses, Loved by developers
6000006,00,000+
Businesses served
80USD 80B+
Processed annually
600600M+
Bank accounts served
Join high growth businesses that trust Cashfree Payments
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[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092967892&cv=11&fst=1744092967892&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562~103050889&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcontact-us%2F&hn=www.googleadservices.com&frm=0&tiba=Contact%20Us%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1482315396.1744092968&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092967958&cv=11&fst=1744092967958&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562~103050889&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcontact-us%2F&hn=www.googleadservices.com&frm=0&tiba=Contact%20Us%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1482315396.1744092968&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092967953&cv=11&fst=1744092967953&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562~103050889&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcontact-us%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Contact%20Us%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1482315396.1744092968&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=305230833.1744092968>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=1494373178)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Instant Settlements
Unlock cash flow certainty with
# Instant Settlements
Receive your
## Payment Gateway settlements
within seconds. Opt from a wide range of settlement options and never run out of funds.
- ### Super-fast settlements
- ### Highly reliable
- ### Tailor-made for you
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_Hero) Contact Sales
Instant Settlements
[Features](https://www.cashfree.com/instant-settlements/#features) [Pricing](https://www.cashfree.com/instant-settlements/#Pricing)
Say goodbye to cash flow problems with
## Instant Settlements
A usual Payment Gateway settlement cycle is T+2\* days. This delay often leads to stress on your working capital. With
## Instant Settlements Payment Gateway
, you can:
- ### Receive steady inflow of funds
- ### Instantly reconcile all your payments
### Gear up for a spike in demand
If you are running any festive or seasonal sale, benefit from the immediate access to sales collections with Instant Settlements and plan optimum inventory level **without dependency on external credit.**
### Get smarter with cash management
Have complete control over your working capital and plan your cash reserves better without financial uncertainties. Instant access to funds lets you respond faster to business opportunities and challenges.
### Avoid late fees or penalties
With ready cash in hand, take care of operational expenses like **vendor payments**, taxes, and other liabilities on time without missing any due dates.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_SayGoodbye)
Choose from multiple Settlement options as per your need
## On-Demand Instant settlements
Withdraw your balance to your bank account in a single click, when you need it the most.
[Activate Now](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_OnDemandInstantSettlements)
## Scheduled Instant Settlements
Access customer payments in the blink of an eye. Cashfree settles payments multiple times a day, starting from intervals of 15 minutes, even on bank holidays.
[Activate Now](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_ScheduledInstantSettlements)
Same-day Settlements
Effectively manage your daily operations. Get all your settlements at the start of your day at 9 am and when you close your books at 5 pm.
[Activate Now](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_SameDaySettlements)
Receive the settlements in any destination of your choice
Bank Account
Get instant fund transfer straight to your bank account.
Virtual account
Get your customer payments settled straight into your virtual account. Use virtual account funds to pay money to your vendors, do customer refunds, and disburse loans.
PRICING
Flexible pricing plan, to suit your needs
Starts At
0.30%
- ### Zero Setup Fee
- ### Zero Maintenance Fee
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_Pricing)
\\* Might vary based on the type of Instant Settlements chosen and the risk assessment of your business. Price excludes GST.
ENTERPRISES
Custom pricing designed for enterprises
- Early access to new features
- Dedicated account manager
- Discounted pricing
- Support over WhatsApp in addition to other channels
Get in touch with our sales team to explore the right product(s) for your payment needs and get custom pricing.
Contact Sales
Typicalsettlementsareprocessed onT+2\* working days
AccelerateyoursettlementswithInstant settlements
Customer enters the payment details in Cashfree’s checkout forms
The transaction is authenticated by the customer using OTP verification
The amount is received at Cashfree’s acquiring banks
Amount is credited in merchant's account in T+2\* days after payment gateway deductions.
Cashfree Payments credits the merchant's accounts instantly after Payment Gateway deduction
Merchant receives money in T+2\* days
Merchant receives the money instantly
Typicalsettlementsareprocessed onT+2\* working days
Customer enters the payment details in Cashfree’s checkout forms
The transaction is authenticated by the customer using OTP verification
The amount is received at Cashfree’s acquiring banks
Amount is credited in merchant’s account in T+2\* days after payment gateway deductions.
Merchant receives money in T+2\* days
AccelerateyoursettlementswithInstant settlements
Cashfree Payments credits the merchant’s accounts instantly after Payment Gateway deduction
Merchant receives the money instantly
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_AccelerateYourSettlements) [Contact Sales](https://www.cashfree.com/contact-sales?source-action=Instant%20settlements&action=Contact%20Sales&button-id=ContactSales_AccelerateYourSettlements)
Stay on top of business operations with intelligent reporting
- ### View and download daily, weekly, and monthly reports or generate custom reports.
- ### Understand business cash flow better through detailed reports on payments, settlements, refunds, settlement reconciliation, etc.
- ### Analyze settlement status with easy-to-read graphs and downloadable custom reports through email, dashboard view, or SFTP.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_StayOnTop)
Advanced Payment Gateway features available for all
[Learn more](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_AdvancedPaymentGateway)
### Customized Checkout
Customize the checkout page to look like your website or mobile application.
### Token Vault
Process saved card payments securely with India’s first interoperable card tokenization solution.
[Learn More](https://www.cashfree.com/card-tokenization/)
### Recurring Payments
Auto-debit funds for repeat payments via cards, UPI and net banking.
[Learn More](https://www.cashfree.com/recurring-payment/)
### Pre-authorization
Block funds when your customer places an order. If the order is modified or canceled within a week, process the refund instantly without any extra charge.
[Learn More](https://www.cashfree.com/preauthorization/)
### Higher than Industry Success Rate
With smart dynamic rerouting between multiple bank payment gateways, experience the highest success rate every time.
### Real-time Reconciliation
Know the real-time status of all customer payments and avoid ambiguity with real-time reconciliation.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### How do I avail Instant Settlements from Cashfree Payment Gateway?
In order to enable Instant Settlements on Payment Gateway for your business, please reach out to us at [care@cashfree.com](mailto:care@cashfree.com)
### Will the settlement report reflect the Instant Settlements in real-time?
The settlement once made to your account will reflect instantly on your settlement reports.
### Can the settlements be processed on bank holidays?
The holiday settlements in Cashfree Payment Gateway lets you access your funds even on bank holidays. Charges may vary for holiday settlements. Contact [care@cashfree.com](mailto:care@cashfree.com) to know more.
### Will the transactions in pending status be settled to my account?
No, only the transactions that are successful will be settled in your account.
### What if my settlement cycle is 15 minutes and my payment is still being processed after 15 minutes? Will I get the amount settled instantly for such cases?
No, your transaction has to be successful in order for you to avail Instant Settlements.
### As a Cashfree Payments merchant, I should be able to get instant settlements service to my bank account directly with the highest frequency of 30 mins so that I can use the funds as per my requirements directly from my bank account. Is this possible?
Yes, with our Payment Gateway Instant Settlements, you can get access to your funds within 30 minutes of payment capture. Please send us an email to [care@cashfree.com](mailto:care@cashfree.com) to know more.
### Can I get instant settlements on specific transactions I prefer and not on all transactions?
Yes, you can get specific transactions settled with On-Demand Settlements. Please reach out to us at [care@cashfree.com](mailto:care@cashfree.com) to know more.
### Can I download a detailed report for each instant settlement which will consist of all the transactions and the charges corresponding so that I can easily reconcile the data?
Yes, you can download the settlement report for all Instant Settlements from within your Payment Gateway dashboard.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Payment Links
No-code payment links to collect payments over WhatsApp, SMS, Facebook, Twitter and other channels
[Learn More](https://www.cashfree.com/payment-links)
### Subscriptions
Accept recurring payments by auto-debiting customers’ accounts via standing instructions on card, e-mandate via net banking option or UPI AutoPay.
[Learn More](https://www.cashfree.com/recurring-payment)
### Easy Split
Split vendor commissions and manage marketplace settlements
[Learn More](https://www.cashfree.com/easy-split/split-payment-gateway)
### AutoCollect
Collect and reconcile IMPS/NEFT/UPI payments using unique virtual accounts and UPI IDs.
[Learn More](https://www.cashfree.com/virtual-payment-address/)
\\* Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Instant%20settlements&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092967120&cv=11&fst=1744092967120&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Finstant-settlements%2F&hn=www.googleadservices.com&frm=0&tiba=Instant%20Settlements%20with%20Cashfree%20Payment%20Gateway&npa=0&pscdl=noapi&auid=875343752.1744092967&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092967237&cv=11&fst=1744092967237&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Finstant-settlements%2F&hn=www.googleadservices.com&frm=0&tiba=Instant%20Settlements%20with%20Cashfree%20Payment%20Gateway&npa=0&pscdl=noapi&auid=875343752.1744092967&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092967232&cv=11&fst=1744092967232&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Finstant-settlements%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Instant%20Settlements%20with%20Cashfree%20Payment%20Gateway&npa=0&pscdl=noapi&auid=875343752.1744092967&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1914786228.1744092967>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=1253948023)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Embedded Payments Solutions
# EMBEDDED PAYMENTS
## Embedded Payments for Platforms
, ERPs and SaaS businesses
Use our robust
## payment APIs
and start offering an end-to-end payment experience to your businesses while staying fully compliant.
[Sign Up](https://partner.cashfree.com/partner-ui/authentication/signup?source-action=Embedded%20Payments&action=Sign%20Up&button-id=StartNow_Hero)
Trusted by the best in the industry
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Enhance your Merchants' Experience with Native Payments
Effortless Business Onboarding
Streamline business onboarding on your platform with our
## onboarding APIs
and we'll manage everything from information collection, verification and to accounts approval. Use preconfigured UI or create customised onboarding flows with Cashfree
## Embedded Payments
.
Native Payments Flow
Provide your users with a native payment experience, with no redirection using Cashfree's
## payment stack
.
Offer 180+ ways to accept online payments including cards, UPI, net banking, bank transfers, BNPL, and digital wallets through our
## payment APIs
.
Compliance at the Core
Our all-encompassing compliance and security system for Embedded Payments has strong onboarding checks, PCI DSS compliance, secure card data storage, and adherence to master KYC policy, covering payment regulations and security through fraud checks, dispute resolution, AML screening, and more.
Controls for Platforms
Use Cashfree's advanced controls for merchant account and payment operations. Manage KYC processes, pricing adjustments, branding, and more. Additionally, also manage post-payment tasks such as refunds, disputes, chargebacks, and real-time settlement status.
## Why Embedded Payments?
### User Delight
Provide a native experience to your end users without any disruptions and drop-offs due to external payment redirections.
### Launch Faster
Achieve quicker market entry without the traditional time-consuming development associated with payment facilitation.
### Compliance
Get built in compliance and fraud prevention into the platform's onboarding and payment workflows right from the outset.
### New revenue streams
Turn payments into a source of sustainable revenue with our innovative monetisation options.
Frequently Asked Questions
### \#\# What is Embedded Payments?
Embedded Payments by Cashfree is an end-to-end payments product for a third-party platform or application to facilitate direct payments between its businesses and their end users. With Embedded Payments, platforms can offer payments as part of their business offering.
### How does Embedded Payments work?
Embedded Payments involves seamlessly integrating financial transactions within digital platforms or applications. End users can initiate payments and the funds are transferred to the business's designated account - all within the platform's environment, enhancing user experience by eliminating redirections.
### Who can use Embedded Payments?
Cashfree Embedded Payments cater to a diverse range of business models like ERPs, SaaS providers, and Platforms that provide core payment offerings to enable transactions between businesses and their end customers. By using Cashfree Embedded Payments they can provide a native and fully compliant payment experience [Know more here.](https://docs.cashfree.com/docs/embedded-payments-an-overview#who-can-use-cashfree-embedded-payments)
### How can I onboard my businesses on Embedded Payments?
To onboard businesses with Embedded Payments, start by creating new merchant accounts using the [Merchant Onboarding APIs](https://docs.cashfree.com/docs/add-merchants-embedded-payments#list-of-merchant-apis) directly within your platform. Next, embed the [Onboarding Link](https://docs.cashfree.com/reference/create-embedded-onboarding-link) within your platform to let merchants complete their KYC without navigating away from your interface.
### How do I manage payments for my businesses?
Integrate our [Embedded Payment Gateway](https://docs.cashfree.com/docs/embedded-payment-gateway-integration) to seamlessly facilitate payments collection for your businesses from end users. You can use our pre-built checkout or build your own checkout experience. Manage payments, refunds, settlements and other workflows using our payment APIs and Webhook.
### How do I monetise Embedded Payments on my Platform?
You can drive revenue growth on your platform by making payments a core part of your offering. Through embedded payments, you can determine and mark up the pricing to earn on every transaction and add a new revenue stream.
### How do I get started with Embedded Payments?
Start by signing up for an Embedded Payments Partner account with Cashfree. Provide your business information, create a password, and then activate your account by submitting the required KYC documents. Once activated, you can access your Embedded Payments Dashboard using your login credentials. Within the dashboard, you can manage merchants, integrate the Payment Gateway solution, track commissions, and gain insights into your business performance. [Know more about the process](https://docs.cashfree.com/docs/get-started-with-embedded-payments).
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Sign Up](https://partner.cashfree.com/partner-ui/authentication/signup?source-action=Embedded%20Payments&action=Sign%20Up&button-id=StartNow_Footer)
## Vendor Payments Platform
# VENDOR PAYMENTS
Upload, approve, and
## pay invoices
on a single platform
Manage all your
## account payables
effortlessly on a single platform. Upload invoices, sync with Tally, customise approval workflows, pay, and reconcile easily using invoice reports.
- ### Tax Payment
- ### Vendor Bill Payment
- ### BBPS Bill Payment
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Vendor%20Payments&action=Sign%20Up&button-id=StartNow_Hero) [Book Demo](https://form.typeform.com/to/AvZfYTFL)
One-stop
## Vendor Payments Platform
Free up your finance team’s time
Accurate invoice payments with UTR
Automated reconciliation
## Make Vendor Payments in less than 2 minutes
Step 1
Upload Invoices
Quickly upload invoices, either single or in bulk
Step 2
Sync from Accounting Tools
Seamlessly synchronise account payables with Tally or other accounting tools
Step 3
Set Approval workflows
View, initiate and approve invoices with customised approval workflows
Step 4
Pay Invoices
Select from a range of payment options for settling invoices conveniently
Step 5
Reconcile
Generate comprehensive invoice reports for seamless reconciliation
Request access to our demo and see it for yourself!
[Book Demo](https://form.typeform.com/to/AvZfYTFL)
Discover a new era in
## Invoice Workflow Management
Achieve more, stress less.
Streamline tracking with invoice upload
Manage invoices easily by single/bulk upload and keep track of them based on their respective due dates.
Verify vendor/receiver identity with ease
Verify recipient identity (PAN, BAV, Aadhaar, GSTIN) with our KYC (Know Your Customer) & KYB (Know Your Business) features, ensuring seamless transfers with accurate bank account details.
Revolutionise accounting integration with Tally and other tools
Seamlessly sync account payables from Tally or other accounting tools to manage invoices and payments efficiently.
Diversify payment options for greater flexibility
Provide merchants with flexibility and choice in making payments through various options.
Strengthen security with approval workflows
Define the 'Approver' role to authorise or reject invoice payments, ensuring control and legitimacy through secure approval workflows.
Simplify reconciliation with invoice reports
Effortlessly reconcile invoices and payments with comprehensive reports and seamless Tally integration.
Use no code or simple to integrate API
[View Documentation](https://docs.cashfree.com/docs/invoices-payouts#pay-invoices)
### Stay ahead of the competition
Choose the Best. Choose Us.
pricing
pricing
Free ~~2%~~
Valid till 30th September 2023
\*Standard [Payouts](https://www.cashfree.com/payouts/) charges will apply.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Vendor%20Payments&action=Sign%20Up&button-id=StartNow_Pricing)
ENTERPRISES
Optimized payments infrastructure that helps you scale.
- Dedicated account manager
- Volume discounts
- Migration support
- Dedicated support
Get in touch with our sales team to explore the right Cashfree Payments product(s) for your payment needs and get custom pricing.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Vendor%20Payments&action=Contact%20Sales&button-id=ContactSales_Pricing)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What are \#\# Vendor Payments ?
Vendor Payments are the payments made against invoices received by a business during the course of its operations, this becomes a significant part of total account payables for a business. Some examples of vendor payments include payments against invoices raised by supplier or vendor of goods and services, charges for using services like AWS, email automation service etc.
Cashfree Payments has built Vendor Payments as an advanced solution to help businesses streamline all accounts payables including vendor invoices, utility bills etc. Just upload the invoice and let us manage all your invoice payments on one platform and reconcile with your accounting platform.
### Why should I use the Vendor Payments solution by Cashfree Payments?
As of October 2022, e-invoicing is compulsory for all business to business transactions for businesses with an annual turnover exceeding 10 crore rupees. Cashfree Payments provides you with an interface as a solution to process your accounts payable. You can now pay your vendors by uploading invoices in bulk or one at a time
### What are the charges for using the feature Vendor Payments?
You can avail the introductory offer by signup up here and use the Vendor Payments solution at zero additional cost. Standard Payouts charges apply. This offer is also available for existing Cashfree Payments merchants.
### How to manage multiple vendor invoices?
Managing multiple vendor payments is simple. You get flexibility to upload invoices individually or in bulk. You can track all the invoices at a place based on their due date. [Click here](https://docs.cashfree.com/docs/invoices-payouts#upload-bulk-invoices) to know more.
Further using Cashfree Payments you can can track all their vendor payments at once place.
### What types of bills can be managed with Cashfree's Vendor Payments platform?
Cashfree's Vendor Payments platform supports bills including and not limited to Vendor bills, BBPS bills, and GST Payments \[Beta\]. You can easily upload, approve, and pay these bills using the platform.
### How can I upload my invoices?
You can upload your invoices easily by using the invoice upload feature provided by Cashfree. You can either upload a single invoice or perform a bulk upload of multiple invoices. You can follow the steps here to upload your invoices: [Documentation](https://docs.cashfree.com/docs/invoices-payouts#pay-invoices)
### Does Cashfree's Vendor Payments platform integrate with accounting tools like Tally?
Yes, Cashfree's Vendor Payments platform seamlessly synchronizes account payables from Tally and other accounting tools. This integration enables efficient management of invoices and payments.
### What payment methods are supported for invoice payments?
Cashfree Invoices & Payouts supports multiple payment methods, including credit/debit cards, net banking, UPI (Unified Payments Interface), and wallets. Customers can choose their preferred payment method to settle the invoice.
### How can I track the status of my invoices?
You can easily track the status of your invoices through the Cashfree Dashboard. It provides real-time updates on the payment status, including whether an invoice is pending, paid, or overdue. You can also receive automated notifications for invoice activities.
### Can I send reminders to customers for overdue invoices?
Yes, Cashfree Invoices & Payouts allows you to send automated reminders to customers for overdue invoices by selecting the ‘due date’ option.. You can set up reminders to be sent at specific intervals and customize the content of the reminder emails. [Read More](https://docs.cashfree.com/docs/invoices-payouts#pay-invoices)
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Vendor%20Payments&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092968355&cv=11&fst=1744092968355&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102665699~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fvendor-payments%2F&hn=www.googleadservices.com&frm=0&tiba=Vendor%20Payments%20%7C%20Upload%2C%20Approve%2C%20Pay%20Invoices%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=75642264.1744092968&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092968440&cv=11&fst=1744092968440&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102665699~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fvendor-payments%2F&hn=www.googleadservices.com&frm=0&tiba=Vendor%20Payments%20%7C%20Upload%2C%20Approve%2C%20Pay%20Invoices%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=75642264.1744092968&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092968431&cv=11&fst=1744092968431&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102665699~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fvendor-payments%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Vendor%20Payments%20%7C%20Upload%2C%20Approve%2C%20Pay%20Invoices%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=75642264.1744092968&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=185537269.1744092969>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=1578919916)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Prefill API
# Prefill
## Prefill API
Auto-populate user details, reduce sign-up time and improve user onboarding experience.
- 80% faster onboarding
- 50% lesser drop-offs
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Prefill%20API&action=Sign%20Up&button-id=StartNow_Hero) Contact Sales
## Prefill API for efficient and faster onboarding
Prefill information such as name, UPI ID, address, ID number, etc. to boost application completion rates.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Prefill%20API&action=Sign%20Up&button-id=StartNow_PrefillApiForEfficient)
### Effortless Onboarding
Users can quickly confirm and accept prefilled data, speeding up their onboarding process and getting on your platform faster.
### Faster Turnaround
Instantly onboard new users without delays by eliminating user input for required information.
### Cut Drop-offs by 50%
Prefilling information keeps users engaged and prevents cart abandonment, maintaining their intent to sign-up or purchase.
### Precision and Security
Reduce manual entry errors and allow users to accept or modify their prefilled data during application submission.
### Enhanced Customer Loyalty
Deliver exceptional digital experiences and boost your Net Promoter Score (NPS).
User Convenience for Better Conversions
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Prefill%20API&action=Sign%20Up&button-id=StartNow_UserConvenienceBetterConversion)
Banks and NBFCs
Accelerate account opening, loan applications, credit card applications and KYC applications.
Insurance
Increase application completion rates and settle claims faster for your policyholders.
E-Commerce
Reduce cart abandonments and provide consistent experiences across devices at checkout.
Travel & Hospitality
Process visa applications with ease and prefill data for KYC forms, as well as smoothen guest check-ins.
Prefill APISeamless Integration
- Integrate Prefill API with your product using only a few lines of code.
- Choose from Lite or Advanced versions as per your business use-case.
[Explore API Docs](https://docs.cashfree.com/reference/mobile-360-lite)
```javascript
{
"verification_id": "test_verification_id",
"mobile_number": "9988777666",
"name": "John Doe",
"type": "lite",
"consent_desc": "Fetching data of customer XYZ"
}
```
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Prefill API?
The Prefill API is a tool designed to streamline and accelerate user onboarding by pre-populating forms with verified data. It reduces manual data entry for users by pre-filling information such as personal details, addresses, and other relevant data fields based on the information already available. This enhances the efficiency of onboarding processes and improves user experience.
### Why should digital platforms integrate Prefill API?
As digital experiences become more common, customers expect a smooth and easy online experience. However, many financial institutions struggle to offer this seamless journey, especially for New-to-Credit users. The Prefill API helps meet this need by simplifying and speeding up the process, making it easier and more user-friendly for everyone
### What are the benefits of integrating Prefill API w.r.t digital onboarding?
Long onboarding forms can cause boredom and fatigue for new users, resulting in user drop-offs by 60% to 70%. Besides that, extensive input fields require additional efforts from end-users to refer to paperwork and documents. With Prefill API, users can accept or edit the information and have control over the information shared.
### Which industries can be disrupted by Prefill API?
The Prefill API has the potential to disrupt several industries, including:
-Banking and Financial Services: Accelerate account openings and loan applications by simplifying the data entry process.
-E-Commerce: Enhance the checkout experience and reduce cart abandonment.
-Insurance: Speed up policy applications and claims processing with pre-filled personal and policy details.
-Healthcare: Simplify patient onboarding and appointment scheduling by pre-populating information.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other Cashfree Payments products
### Secure ID
Onboard users seamlessly with our compliant and highly customisable 360° identity verification platform - built to scale as your business grows.
[Learn More](https://www.cashfree.com/kyc-verification/)
### Payouts
Easiest way to make payouts to any bank account, UPI ID, card, AmazonPay, Paytm or other native wallet 24\*7 instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Payment Gateway
Collect domestic and international payments on your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI e mandate.
[Learn More](https://www.cashfree.com/recurring-payment/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Prefill%20API&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092969793&cv=11&fst=1744092969793&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441h1v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fprefill-api%2F&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20Prefill%20API%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=60755308.1744092969&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092969887&cv=11&fst=1744092969887&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441h1v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fprefill-api%2F&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20Prefill%20API%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=60755308.1744092969&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092969883&cv=11&fst=1744092969883&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441h1v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fprefill-api%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20Prefill%20API%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=60755308.1744092969&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1001331010.1744092970>m=45je5441h1v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102525910~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=26683351)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Cashfree KYC Studio
Cashfree KYC Studio
No-code builder to instantly create and launch user onboarding flow with complete KYC verification
- 5X faster go-live
- 100+ developer hours saved
- 80% more efficient
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=KYC%20Studio&action=Contact%20Sales&button-id=ContactSales_Footer)
100M+
Monthly verifications
50%
Reduction in onboarding drop-offs
1 sec
Response time for > 90% requests
## Advanced and intuitive dashboard
- Seamless Omnichannel Onboarding via SDK and API integrations or bulk uploads
- Centralised Workflow Management
- Extensive Identity Verification Library without complex integrations
- Accelerated Time-to-Market and reduced tech debt
- Dashboard reports on workflow performance
No-Code Cashfree KYC Studio
- Drag & Drop Workflow Builder
- Rule Engine
- Flexible UI
- KYC Links
- QR Codes
Drag & Drop Workflow Builder
Choose from pre-built templates or design compliant KYC journeys in minutes with our intuitive drag-and-drop interface.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_DragAndDrop)
Rule Engine
Add conditional logic \[if/else\] \[and/or\] to move users through the right verifications at the right time.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_RuleEngine)
Flexible UI
Maintain brand consistency across all KYC touchpoints with no-code frontend elements.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_FlexibleUI)
KYC Links
Recover abandoned KYC flows and boost conversions by sending targeted KYC links via SMS, WhatsApp, or email.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_KYCLinks)
QR Codes
Generate unique QR codes for KYC in offline scenarios.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_QRCodes)
Drag & Drop Workflow Builder
Drag & Drop Workflow Builder
Choose from pre-built templates or design compliant KYC journeys in minutes with our intuitive drag-and-drop interface.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_DragAndDrop)
Rule Engine
Rule Engine
Add conditional logic \[if/else\] \[and/or\] to move users through the right verifications at the right time.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_RuleEngine)
Flexible UI
Flexible UI
Maintain brand consistency across all KYC touchpoints with no-code frontend elements.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_FlexibleUI)
KYC Links
KYC Links
Recover abandoned KYC flows and boost conversions by sending targeted KYC links via SMS, WhatsApp, or email.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_KYCLinks)
QR Codes
QR Codes
Generate unique QR codes for KYC in offline scenarios.
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_QRCodes)
Our Customer Success Stories
They are extremely good, trustworthy and a great partner - long way to go with Cashfree!
Tushar Panhale
Head of Payments, Ring & Kissht
Cashfree Verification Team has built an amazing stack and launched some pioneering products like UPI 360. Having worked with more than 10+ players in this space, I can say that they are one of the most innovative players!
Mehul Nath Jindal
CEO & Co-Founder, BharatX
What we really like about Bank Account Verification feature is that it's extremely quick, and real-time. This feature helped us enhance the user experience - making the document approval and beneficiary onboarding very seamless.
Zaheer Adenwala
Co-Founder at Ketto
They are extremely good, trustworthy and a great partner - long way to go with Cashfree!
Tushar Panhale
Head of Payments, Ring & Kissht
Cashfree Verification Team has built an amazing stack and launched some pioneering products like UPI 360. Having worked with more than 10+ players in this space, I can say that they are one of the most innovative players!
Mehul Nath Jindal
CEO & Co-Founder, BharatX
What we really like about Bank Account Verification feature is that it's extremely quick, and real-time. This feature helped us enhance the user experience - making the document approval and beneficiary onboarding very seamless.
Zaheer Adenwala
Co-Founder at Ketto
They are extremely good, trustworthy and a great partner - long way to go with Cashfree!
Tushar Panhale
Head of Payments, Ring & Kissht
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Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Cashfree KYC Studio?
Cashfree KYC Studio is the no-code platform provided by Cashfree Verification Suite. It enables you to design and manage KYC journeys without requiring coding expertise.
### Can Cashfree KYC Studio support bank account verification?
Yes, Cashfree KYC Studio supports bank account verification through various methods, including IFSC code validation, account number verification, and UPI ID verification.
### Do I need separate verification APIs for Cashfree KYC Studio?
No, Cashfree KYC Studio offers a wide range of verification checks within a single platform. You don't need to integrate with separate verification APIs.
### How does the drag-and-drop workflow builder work?
With the drag & drop feature, you can add or remove blocks for Input Fields such as Name, DOB and Phone No. as well as KYC Blocks for verifications such as PAN/Aadhaar/Voter ID, Bank Account Checks etc.
### What types of identity verification checks are supported?
Our platform Cashfree KYC Studio, supports a wide range of identity verification checks, including bank account verification, document verification, biometric authentication, and more.
### How does the KYC Links feature work?
KYC Links enable you to send unique links to customers via SMS, WhatsApp, or email to complete their KYC process.
### Which industries can benefit from Cashfree KYC Studio?
Cashfree KYC Studio is an industry-agnostic solution applicable to all businesses across various sectors including but not limited to fintech, BFSI, e-commerce, recruitment & staffing, and more. The platform can also be used for identity decisioning, by various teams with a given company such as finance department for vendor verification, risk and compliance department for user verification, HR department for employee onboarding and so on.
### How do I get started with Cashfree Payments’ Verification Suite?
You can start by creating an account on Cashfree Payments or booking a Demo by filling out our Contact Sales form. Our representatives will then contact you.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore more
### Secure ID
Onboard users seamlessly with our compliant and highly customisable 360° identity verification platform - built to scale as your business grows.
[Learn More](https://www.cashfree.com/kyc-verification/)
### Bank Account Verification
Use our complete verification suite for e-KYC and verify the beneficiary bank account or UPI ID before sending money.
[Learn More](https://www.cashfree.com/bank-account-verification/)
### Face Match & Liveness Check
Authenticate users for confident and secure onboarding through reliable Face Match API and Face Liveness Detection, in compliance with RBI’s Digital KYC guidelines.
[Learn More](https://www.cashfree.com/face-match-api/)
### Aadhaar eSign
Send, track, and request Aadhaar-holders to eSign documents in the most reliable, remote and effortless way. Get started with a simple API integration and go paperless.
[Learn More](https://www.cashfree.com/aadhaar-esign/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=KYC%20Studio&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982934&cv=11&fst=1744092982934&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fkyc-studio%2F&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20KYC%20Studio%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=2141790817.1744092983&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092983020&cv=11&fst=1744092983020&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fkyc-studio%2F&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20KYC%20Studio%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=2141790817.1744092983&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092983010&cv=11&fst=1744092983010&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fkyc-studio%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Cashfree%20KYC%20Studio%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=2141790817.1744092983&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=716649684.1744092983>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=2106402714)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Payment Links
## PAYMENT LINKS
# Generate Payment Link
s and accept online payments instantly
Sell online without a website.
## Share Payment Links
with customer via SMS, email or Whatsapp and get paid instantly via 180+ payment modes.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_Hero) [Explore the docs](https://docs.cashfree.com/docs/payment-links-introduction)
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## How to generate a payment link
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_HowToGeneratePaymentLink)
## Create a Payment Link
Via Payment Links dashboard or APIs. Customize the link to match with your brand by adding your brand color and logo.
## Share the Payment Link
Add customer details and paste or embed link anywhere. Share it across with customers.
## Get Paid Instantly
Get notified in real time about a successful payment.
Use cases for various industries
Do more with
## Payment Links
Send automated SMS to your customers to remind them about outstanding payments. Set multiple automated reminders to get paid on time and boost your revenue.
Use case in focus:
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Reminders on auto-pilot
Let your customers initiate partial payments in case of service fulfillment and get the remaining payment on completion of the service.
Use case in focus:
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Accept partial payments
## Generate Payment Links
to target customers with abandoned carts for quick payment collection thereby improving conversion.
Use case in focus:
- 
Cart abandonment
Accept payments anywhere
Use any channel, as your checkout
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_AcceptPaymentsAnywhere)
### Chat & SMS
Share payment links via SMS and sell on the go.
### Email
Reduce cart abandonment and add links on the email.
### Social Media
Turn your social media feed into a shopping site.
### Chatbots
Enable online payments as part of conversational flow using links.
### Digital Invoice
Add links to your invoices and get paid instantly.
### Door step delivery
No cash, no worries. Use links to get paid instantly.
Introducing softPOS
Turn android phone into a POS machine. [Learn More](https://www.cashfree.com/soft-pos/)
## Payment Links for every business
!
- Sell Products
- Bill Payments
- Loan Repayments
- Fee Payments
- Travel Booking
- Invoice and B2B payments
Sell Products
D2C brands and businesses that use social media platforms like Instagram, WhatsApp etc. for selling, don’t need a website to get paid anymore. Personalize the checkout page, add your brand logo, choose colors and style that reflect your brand, and get paid instantly.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_SellProduct)
Bill Payments
Send reminders and collect payments for utility bills and similar services such as telephone, gas, electricity bills, insurance premium and other services using Payment Links.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_BillPayments)
Loan Repayments
Lending companies, NBFCs and agents can use Payment Links to collect loan installments, SIP installments, credit card payments.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_LoanRepayments)
Fee Payments
Tutorials, K12 schools, coaching and education institutes can collect fees in bulk by sending links and reminders to students. Online courses, Olympiads providers and educators can request, send reminders, and collect course and test fees.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_FeePayments)
Travel Booking
Provide Book Now Pay Later payment strategy to customers and collect amount at time of service completion.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_TravelBooking)
Invoice and B2B payments
Integrate Payment Links with your invoicing tool or ERPs to automate collections.
BONUS
Integrate with your accounting or invoicing ERP and offer to your customers.
[Partner with us](https://www.cashfree.com/partner-program/)
Sell Products
Sell Products
D2C brands and businesses that use social media platforms like Instagram, WhatsApp etc. for selling, don’t need a website to get paid anymore. Personalize the checkout page, add your brand logo, choose colors and style that reflect your brand, and get paid instantly.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_SellProduct)
Bill Payments
Bill Payments
Send reminders and collect payments for utility bills and similar services such as telephone, gas, electricity bills, insurance premium and other services using Payment Links.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_BillPayments)
Loan Repayments
Loan Repayments
Lending companies, NBFCs and agents can use Payment Links to collect loan installments, SIP installments, credit card payments.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_LoanRepayments)
Fee Payments
Fee Payments
Tutorials, K12 schools, coaching and education institutes can collect fees in bulk by sending links and reminders to students. Online courses, Olympiads providers and educators can request, send reminders, and collect course and test fees.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_FeePayments)
Travel Booking
Travel Booking
Provide Book Now Pay Later payment strategy to customers and collect amount at time of service completion.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_TravelBooking)
Invoice and B2B payments
Invoice and B2B payments
Integrate Payment Links with your invoicing tool or ERPs to automate collections.
BONUS
Integrate with your accounting or invoicing ERP and offer to your customers.
[Partner with us](https://www.cashfree.com/partner-program/)
Fastest way to get paid
Easy Integration: Create orders, and
## generate payment link
s in bulk by uploading a simple .csv or .xlsx file. Save time and reduce errors.
## Create Payment Links
with your systems using APIs.
Easier reconciliation: Get real-time reports on the transactions processed through
## payment links
and help your finance team manage the books better.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_FasterWayToGetPaid)
Lowest Pricing
Transparent and friendly pricing
Get started today and get Zero Charges\* for Link Creation and Reminders! Standard Payment Gateway charges apply.
- ### No setup, maintenance or any other hidden fees
- ### Pay only for actual transactions
- ### Real-time transaction fees reporting
- ### Paperless and same day onboarding
[Check Pricing](https://www.cashfree.com/payment-gateway-charges/)
Enterprises
### Custom pricing designed for enterprises
Early access to new features
Dedicated account manager
Discount pricing
Support over WhatsApp in addition to other channels
Get in touch with our sales team to explore the right products for your payment needs and get custom pricing.
[Contact Sales](https://www.cashfree.com/contact-sales/?source-action=payment%20links&action=Contact%20Sales&button-id=ContactSales_Pricing)
Create Custom Payment Forms and get paid instantly!
Sign up for in-built checkout payment pages and get paid right away
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_CreateCustomPaymentForms)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What are Cashfree Payment Links? How do they work?
Cashfree Payment Links are the easiest way to collect digital payments from your customers. It is a no-code solution through which you can send your customers a link, which they can click on their smartphones or on their computers. Clicking the link opens a checkout experience which you can customize, and will offer all available payment modes on your account. Setting this up and collecting these payments is easy, requires no technical effort, and enables payment collection without any website or application!
Cashfree Payment Links work by creating a hosted checkout linked to your Cashfree Payment Gateway account. Any Payment Link created by you via your Cashfree Payment Gateway account will direct customers to a checkout from which they make payments which reach our systems, and which we then settle to you.
### Why should I use a Payment Link?
Payment Links are used by a variety of different customer and business types. Many freelancers and small business owners love to use Cashfree Payment Links because it is a convenient, no-code and low-effort way to collect payments from customers without needing to build your own website or application. Mid-sized D2C businesses across India use our Payment Link solutions to recover abandoned carts and increase their conversion rate, or to collect payments at the time of delivery from their customers. Several enterprise financial services companies use Cashfree Payment Links when they need to collect customized amounts from different customers, and when it's more convenient for end-users to click a link and make a payment then open an application or website.
You should use a payment link when you are communicating with an end-user via digital messaging channels such as social media DMs, Whatsapp, or e-mail and want to collect a custom or customizable amount from them. Using Payment Links is more professional for freelancers than sharing their UPI details and asking customers to make payments. It is a great way to collect payments from your customers, but not a great way to sell products or services to them. The most popular use case is where the customer has decided to make the purchase via a phone call or some other touchpoint, and just the payment has to be collected.
### What are the features of a Cashfree Payment Link?
Cashfree Payment Links are the industry's easiest way to collect payments, and come power-packed with useful features such as automated invoicing, support for international payments, partial payments, automated reminders, bulk payment link creation, terms and conditions, customizable messages, and automated notifications. Payment Links are also accessible without any coding or development effort whatsoever, making it ideal for businesses that want to move fast and collect payments with ease.
### How can I use a Payment Link?
Basically, any way you want - as long as your intended customer can be sent the link, can click it, and can make the payment, that's how you use this solution. Payment Links can be created in just 2 steps, and can be automatically sent to customer's email address and phone numbers during the creation itself. For sending it on other channels (Whatsapp, social media, chatbots etc.), the link will need to be copied from the dashboard and pasted in the relevant space.
### Are Cashfree Payment Links safe?
Cashfree Payment Links are 100% secure and compliant, as per the latest and most stringest safety and security guidelines in place to protect the information of digital customers.
### How can I create a Payment Link?
Payment Links can be easily created directly from the Cashfree Payments dashboard, or can be triggered via APIs. Dashboard based creation requires just a few clicks, and offers a variety of options - including automatically sending it to the customer's phone number and email address.
### How can I send or share a Payment Link?
Sending and sharing a Payment Link is very easy! You can enter your customer's mobile number and email address and trigger SMS and emails directly at the time of creation. You can also copy and paste the Payment Link into a social media message, on Whatsapp, or through any other direct digital messaging channel.
### How do I start using Cashfree Payment links?
Simply sign up for Payment Links account, and Cashfree Payment Gateway will be automatically activated for your account. You can see what documents are required to get started on creating an account with Cashfree Payments [here](https://www.cashfree.com/docs/help/onboarding-related/general-faqs#what-are-the-documents-needed-for-activating-my-cashfree-account).
The Payment Links feature will be available inside the Payment Gateway product.
Generate Payment Link in 3 easy steps:
- Create a Payment Link via Payment Links dashboard or APIs. Customize the link to match with your brand by adding your brand color and logo.
- Add customer details and paste or embed link anywhere. Share it across with customers.
- Accept payments instantly. Get notified in real time about a successful payment.
All payments collected via the payment links are automatically updated to in the reports and transactions module in Cashfree Payment Gateway. Know more in our [documentation.](https://cashfree.gitbook.io/payment-links/create-payment-link)
### What information do I need to start using Payment Links with Cashfree?
To quickly request payment from your customer via Payment Link, you simply need to provide the customer phone or email information, and the amount and purpose for the link, and the link can be shared with the customer. While creating a Payment Link, you can enable the ‘Send SMS and Email’ checkboxes, and Cashfree Payments will send the link to the customer on the provided contact information.
In addition to this, you can set the expiry for the link, and enable partial payments, if you want to enable the customer to make payment in parts.
### Can I create and send Cashfree Payment Links in bulk?
Yes, you can send Payment Links in bulk with our Batch feature. You can upload a XLSX or CSV file containing the list of customers’ contact details, amount and purpose for the links and send the requests in bulk. All this within a matter of minutes!
### Can my customers make partial payments on Payment Links?
Yes, you can enable Partial Payments and provide the minimum amount you wish to collect for a Payment Link, and the customer can choose to make multiple payments, between the minimum amount and the link amount. Cashfree Payments will notify you of all partial payments done.
### Are international payments supported on Payment Links?
Cashfree Payment Links support international payments. We support accepting payments from international customers via their credit and debit cards (Visa, Mastercard, American Express, Diner’s Club), or via PayPal. We are also working to add additional alternate payment methods so that your global customers can see payment modes that are local and familiar to them.
### Can I create a payment link for a specific amount?
Yes, you can. In the first step of creating a Payment Link, you can enter the amount you are hoping to collect from your customer.
### Can my customers decide the amount they want to pay on the Cashfree Payment Link?
If you enable partial payments, you can specify the minimum amount you wish to collect for a Cashfree Payment Link and the customer can choose to make multiple payments for amounts between the minimum and the link amount that you set. Cashfree Payments will notify you of all the partial payments made.
### Can my customers make a payment through any UPI app?
Yes, you can enable customers to make payments across 20+ UPI apps. Additionally, you have the option of creating an UPI Payment Link, with which clicking the link will automatically prompt the user to select their preferred UPI application from the UPI apps they have installed on their phone. They can then complete the payment in the UPI app of their choice.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Payment Gateway
Accept domestic and international payments for your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Payment Forms
Create custom payment pages, display your product/service & collect online payments via 180+ payment methods like UPI, net banking, etc
[Learn More](https://www.cashfree.com/payment-forms/)
### Instant Settlements
Get access to your payment gateway collections within 15 minutes of payment capture, avoid dependency on credit lines.
[Learn More](https://www.cashfree.com/instant-settlements/)
### Buy Now Pay Later
Provide flexible payment options with card and cardless EMI, Pay Later and increase customer conversions by 30%.
[Learn More](https://www.cashfree.com/buy-now-pay-later/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20links&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982623&cv=11&fst=1744092982623&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-links%2F&hn=www.googleadservices.com&frm=0&tiba=Payment%20Links%20-%20Generate%20%26%20Send%20Online%20Payment%20Links%20Instantly&npa=0&pscdl=noapi&auid=1501597968.1744092982&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982681&cv=11&fst=1744092982681&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-links%2F&hn=www.googleadservices.com&frm=0&tiba=Payment%20Links%20-%20Generate%20%26%20Send%20Online%20Payment%20Links%20Instantly&npa=0&pscdl=noapi&auid=1501597968.1744092982&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982676&cv=11&fst=1744092982676&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-links%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Payment%20Links%20-%20Generate%20%26%20Send%20Online%20Payment%20Links%20Instantly&npa=0&pscdl=noapi&auid=1501597968.1744092982&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1055570892.1744092983>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=1862400144)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Custom Payment Pages
# Payment Pages
Create
## custom Payment Pages
and get paid instantly
Create a Payment Page with all your business details, and share over WhatsApp, SMS or Email - with zero coding efforts.
- ### 180+ payment modes with industry-best success rates
- ### Customized pages for each customer
- ### Get real-time alerts with webhook
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_Hero)
Payment Pages
[Features](https://www.cashfree.com/payment-pages/#features) [Pricing](https://www.cashfree.com/payment-pages/#pricing)
Grow your business with Cashfree Payment Pages
### Easy to create and use
Start doing business online in just 2 minutes. Create a Payment Page, add product details and share over Whatsapp, Email or SMS, or other social media and
## accept payments online
. Create unlimited pages at zero cost.
### Web and mobile compatible
Give a smooth checkout experience to your customers whether they are browsing through mobile or web.
### Customize page to match your brand
Add your business offerings. Add custom fields to collect user details. Add your brand logo and customize the Payment Page as per your brand's colors. You can also personalize the page URL.
### 180+ domestic and international payment modes
Give your customers the option to pay by payment mode of their choice. 100+ international currencies supported.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_GrowYourBusinessesWith)
## Built for all kinds of businesses
Travel and hospitality bookings
Create customized pages and share with your agents and collect online payments easily.
Event registrations
Add event details, accept ticket booking and collect online payment and successfully host events.
EMI collections
Let your customers pay loan installments, SIP installments, and credit card payments.
Accept donations
NGOs and Nonprofit organizations can raise money hassle-free.
Tuition fee collection
Directly add payment page link on website or app, collect fee, and automate payment reconciliation. No separate payment gateway integration required.
Forex Services
Collect payments for your foreign exchange service business. Be it visa application fee or payment against an abroad study program, collect payments easily with customized Payment Page.
Bill Payments
Automate payments collections and receive timely payments.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_BuildForAllBusinesses)
Zero Charges\* for
## Payment Pages creation
!
\*Transaction charges apply for the payments processed via Payment Pages.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_TryPaymentPages)
Pricing
## Simple Pricing, No Hidden Charges
UPI, Net banking and cards
Zero transaction charges
UPI
RuPay
1.90%
Phonepe
Google Pay
Amazon Pay
ICICI
Visa
Mastercard
Maestro
Net Banking
Paylater & Cardless EMI2.5%
Zest Money
Olamoney
E-paylater
Flexmoney
ICICI
Kotak
HDFC
International Cards3.5% + ₹7
Visa
Mastercard
PayPal and PaytmZero Cashfree Charges
PayPal
Paytm
Note: Only standard PayPal and paytm respective payment gateway charges will apply.
Other Cards2.95%
Diners Club
Amex
_\*Payment gateway charges include MDR/TDR and platform fee_
There’s more
## Get access to advanced payment gateway features
### Instant refunds
Do instant customer refunds - online orders, COD orders, and deposits with our advanced refund solutions and delight your customers.
[Learn more](https://www.cashfree.com/instant-refunds/)
### Instant settlements
Get access to your payment gateway collections within 15 minutes even on bank holidays.
[Learn more](https://www.cashfree.com/instant-settlements/)
### Saved card tokenization
Give your customers the option to save cards on your website or app and process card payments securely while being RBI compliant.
[Learn more](https://www.cashfree.com/card-tokenization/)
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_TheresMore)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is a Payment Page?
A Payment Page is a web page that gives the option to add product details along with the option to collect user details. You can collect payments from multiple customers using the same Payment Page, without any integration or coding. Share the Payment Page URL with your customers on SMS, email, WhatsApp, other messaging apps, or embed it on your website and app and start collecting payments within minutes.
### Can I customize Payment Pages as per my needs?
Yes. There are multiple customizations available-
- Fix the amount, or allow customers to choose the amount
- Add custom input fields to collect information from your customers
- Add product/service description
- Add brand logo, choose URL for the Payment Page
### Do I have to bear any charges to avail this feature? If yes, how much will it be?
You can create unlimited Payment Pages for free. Standard TDR charges will apply to payments done by customers.
### Are international payments supported on Payment Pages?
Yes, it is possible to enable international payments on Payment Pages. Reach out to us and help us understand your business for quick activation. If you have a Paypal account, connect [Paypal to Cashfree Payments](https://www.cashfree.com/blog/paypal-integration/) and start offering Paypal as a payment option on the checkout page instantly.
### What are Orders?
Each time your customer opens a Payment Page, fills in their details and attempts payment, a new Order is created against that Payment Page. This gives you the information on how many times the customer has visited the Payment Page before completely paying the full amount. You can follow up with such customers and try to improve your conversion rate.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Payouts
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI emadate.
[Learn More](https://www.cashfree.com/recurring-payment/)
### Payment Gateway
Collect payments on your website or app. Make payouts to any bank account.
[Learn More](https://www.cashfree.com/payment-gateway-india)
### Easy Split
Split vendor commissions and manage marketplace settlements.
[Learn More](https://www.cashfree.com/easy-split/split-payment-gateway/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982549&cv=11&fst=1744092982549&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-pages%2F&hn=www.googleadservices.com&frm=0&tiba=Payment%20Pages%20for%20Seamless%20Online%20Transactions%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=921904026.1744092982&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982619&cv=11&fst=1744092982619&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-pages%2F&hn=www.googleadservices.com&frm=0&tiba=Payment%20Pages%20for%20Seamless%20Online%20Transactions%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=921904026.1744092982&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982606&cv=11&fst=1744092982606&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-pages%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Payment%20Pages%20for%20Seamless%20Online%20Transactions%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=921904026.1744092982&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=206540537.1744092983>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=839350726)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Xpresslane and Cashfree Partnership
Share
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fxpresslane_cashfree_partnership%2F "Share on Facebook") [Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fxpresslane_cashfree_partnership%2F&text=%5BWhat%E2%80%99s%20New%5D%20Xpresslane%20%26%20Cashfree%20Payments%20integration.%20Reduce%20cart%20abandonment%20rate%20and%20accept%20payments%20seamlessly "Share on Twitter") [Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fxpresslane_cashfree_partnership%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2022%2F02%2FXpresslane_1080x720-Blog.png&description=%5BWhat%E2%80%99s%20New%5D%20Xpresslane%20%26%20Cashfree%20Payments%20integration.%20Reduce%20cart%20abandonment%20rate%20and%20accept%20payments%20seamlessly "Pinterest") [LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fxpresslane_cashfree_partnership%2F "LinkedIn") [Email](mailto:?subject=%5BWhat%E2%80%99s%20New%5D%20Xpresslane%20%26%20Cashfree%20Payments%20integration.%20Reduce%20cart%20abandonment%20rate%20and%20accept%20payments%20seamlessly&body=https%3A%2F%2Fblogrevamp.cashfree.com%2Fxpresslane_cashfree_partnership%2F "Email")
Table of Contents
Toggle
E-commerce platforms put in a lot of time & effort to get traffic on their website and acquire customers. However, most online shopping platforms struggle with high cart abandonment which leads to user drop offs and impacts revenue.
## **What is shopping cart abandonment?**
Shopping cart abandonment is when a potential customer starts a check out process for an online order but drops out of the process before completing the purchase. Shopping cart abandonment is an important metric and it is carefully tracked by online retailers because it directly affects the revenue.
## **The challenge**
India’s e-commerce industry is grappling with the challenge of high cart abandonment rates. As per reports, the average cart abandonment rate on leading e-commerce platforms is as high as **60-70%**. **Long, complicated checkout flow** and **unavailability of customer’s preferred payment options** are some of the major reasons for cart abandonment. Cart abandonment rate can be reduced significantly by offering a seamless checkout experience and offering a wide range of payment methods to customers.
## **How can Cashfree Payments help your business in reducing cart abandonment rate?**
Cashfree Payments has partnered with **[Xpresslane](https://www.xpresslane.in/)** , a universal **one-click checkout platform** that helps over **200+** **D2C** brands reduce cart abandonment by offering a seamless and fast checkout experience.
With this partnership, E-commerce & D2C platforms can provide a seamless **one-click checkout experience** with Xpresslane’s easy to use plugin and allow customers to pay in their preferred payment option by accepting online payments through **120+** modes with **[Cashfree Payment Gateway](https://blogrevamp.cashfree.com/payment-gateway-india?utm_source=blog&utm_medium=organic&utm_campaign=Xpresslane_Cashfree_partnership).**
## **Benefits of integrating your Cashfree Payments account with Xpresslane**
- Provide a seamless & fast **one-click checkout experience** to your customers and reduce cart abandonment rate
- Increase **pre-paid orders** and reduce Return To Origin (RTO) rate
- Accept online payments seamlessly through **120+** modes including Credit Cards, Debit Cards, Net Banking, Buy Now Pay Later (BNPL) and a lot more using Cashfree Payment Gateway
Interested in getting started? [**Signup**](https://merchant.cashfree.com/merchants/signup?referrer=partner&refCode=CFPBO1206&utm_source=blog&utm_medium=organic&utm_campaign=Xpresslane_Cashfree_partnership) with Cashfree Payments now.
In case you are looking to create multiple sources of income for your business, you can scale your revenues with ease by earning commission on every transaction your referred merchants make by offering your customers a complete payments solution with **[Cashfree Payments Partner Program](https://blogrevamp.cashfree.com/partner-program?utm_source=blog&utm_medium=organic&utm_campaign=Xpresslane_Cashfree_partnership)**.
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fxpresslane_cashfree_partnership%2F "Share on Facebook")[Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fxpresslane_cashfree_partnership%2F&text=%5BWhat%E2%80%99s%20New%5D%20Xpresslane%20%26%20Cashfree%20Payments%20integration.%20Reduce%20cart%20abandonment%20rate%20and%20accept%20payments%20seamlessly "Share on Twitter")[LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fxpresslane_cashfree_partnership%2F "LinkedIn")[Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fxpresslane_cashfree_partnership%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2022%2F02%2FXpresslane_1080x720-Blog.png&description=%5BWhat%E2%80%99s%20New%5D%20Xpresslane%20%26%20Cashfree%20Payments%20integration.%20Reduce%20cart%20abandonment%20rate%20and%20accept%20payments%20seamlessly "Pinterest")
Author [Ashit Sharma](https://blogrevamp.cashfree.com/author/ashitsharma7750/ "Posts by Ashit Sharma")
#### Related Posts
[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
5 days ago
[](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/ "Cashfree Affiliate Partner Program: How is it the industry’s best partner program?")
### [Cashfree Affiliate Partner Program: How is it the industry’s best partner program?](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/)
1 month ago
[](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/ "Payment Fraud Red Flags & Prevention Tips for Business Security")
### [Payment Fraud Red Flags & Prevention Tips for Business Security](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/)
5 months ago
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## Cashfree Developer Playground
# Cashfree SDK & API Playground
Welcome to the playground for developers, offering an
immersive environment where you can freely explore,
experiment, and play with various APIs and SDKs offered by
Cashfree Payments.
Checkout Canvas !! NEW
Customize every detail in your checkout and make it completely yours
[Try Now](https://www.cashfree.com/devstudio/canvas)
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- [Secure ID](https://www.cashfree.com/devstudio/secureid)
# Secure ID
#### Bank Account/UPI
[**Bank Account Verification**](https://docs.cashfree.com/reference/bankverificationsyncv12) [**Bank Account - Reverse Penny Drop**](https://docs.cashfree.com/reference/create-request-rpd) [**IFSC**](https://docs.cashfree.com/reference/ifsc-verification)
#### Aadhaar/PAN
[**Aadhaar OKYC**](https://docs.cashfree.com/reference/aadhaar-okyc) [**Aadhaar OCR**](https://docs.cashfree.com/reference/aadhaar-verification-via-ocr) [**Aadhaar Masking**](https://docs.cashfree.com/reference/aadhaar-masking) [**DigiLocker - Aadhaar**](https://docs.cashfree.com/reference/digilockerverificationcreateurl) [**Aadhaar E-sign**](https://docs.cashfree.com/reference/esignverificationuploaddocument) [**PAN**](https://docs.cashfree.com/reference/pan-verification) [**PAN 360**](https://docs.cashfree.com/reference/pan360) [**PAN OCR**](https://docs.cashfree.com/reference/pan-ocr-verification) [**PAN Lite**](https://docs.cashfree.com/reference/panliteapi)
#### Regulated Digital KYC
[**Face Match**](https://docs.cashfree.com/reference/face-match) [**Liveliness Check**](https://docs.cashfree.com/reference/liveliness-check) [**Name Match**](https://docs.cashfree.com/reference/namematch) [**Reverse Geocoding**](https://docs.cashfree.com/reference/reverse-geocoding)
#### Other Official Documents
[**Driving License**](https://docs.cashfree.com/reference/driving-licence) [**Voter ID**](https://docs.cashfree.com/reference/verify-voterid) [**Passport**](https://docs.cashfree.com/reference/verify-passport) [**Employment 360**](https://docs.cashfree.com/reference/advanceemploymentapi) [**Vehical RC**](https://docs.cashfree.com/reference/vehiclerc)
#### KYB (Know your business)
[**PAN to GSTIN**](https://docs.cashfree.com/reference/pantogstin) [**CIN**](https://docs.cashfree.com/reference/cin) [**GSTIN**](https://docs.cashfree.com/reference/gstin-verification)
#### Server SDKs
[**PHP**](https://packagist.org/packages/cashfree/cashfree-verification) [**Java**](https://central.sonatype.com/artifact/com.cashfree.verification.java/cashfree_verification) [**NodeJS**](https://www.npmjs.com/package/cashfree-verification) [**Python**](https://pypi.org/project/cashfree-verification/)
## Contact Cashfree Sales
[](https://www.cashfree.com/) Need Support?
Current Customer
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End User
I recently made a payment via Cashfree Payments [Support](https://www.cashfree.com/support/)
Contact Sales
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[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982664&cv=11&fst=1744092982664&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcontact-sales%2F&hn=www.googleadservices.com&frm=0&tiba=Contact%20Sales%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=99977776.1744092983&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982707&cv=11&fst=1744092982707&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcontact-sales%2F&hn=www.googleadservices.com&frm=0&tiba=Contact%20Sales%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=99977776.1744092983&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092982701&cv=11&fst=1744092982701&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcontact-sales%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Contact%20Sales%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=99977776.1744092983&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=922045789.1744092983>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103025726~103027016~103047562&z=1706518453)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Cashfree Payouts
# Cashfree SDK & API Playground
Welcome to the playground for developers, offering an
immersive environment where you can freely explore,
experiment, and play with various APIs and SDKs offered by
Cashfree Payments.
Checkout Canvas !! NEW
Customize every detail in your checkout and make it completely yours
[Try Now](https://www.cashfree.com/devstudio/canvas)
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- ['/%3e%3cpath%20d='M9.47492%200.0148926C9.47492%201.75791%208.05964%203.17318%206.31663%203.17318H3.15834V3.6648C3.15834%203.6648%202.97957%200.0148926%203.96281%200.0148926H9.47492Z'%20fill='url(%23paint1_linear)'/%3e%3cpath%20d='M20.0075%2024H0V3.17318C0%201.43016%201.41527%200.0148926%203.15829%200.0148926H3.96276C2.97952%200.0148926%203.15829%203.6648%203.15829%203.6648V20.8417H20.8268C20.8268%2021.8398%2020.7672%2024%2020.0075%2024Z'%20fill='url(%23paint2_linear)'/%3e%3cpath%20d='M24.0447%201.68343V11.352C23.1807%2011.352%2022.3911%2010.9944%2021.8101%2010.4283C21.244%209.8622%2020.8864%209.07263%2020.8864%208.19367V3.17318H14.9721L14.8827%203.14339L13.095%201.35568C12.2012%200.461825%2012.8418%200.119181%2013.0354%200.0297951C13.0503%200.0297951%2013.0801%200.0148975%2013.1099%200.0148975C13.2291%20-8.54666e-08%2013.3334%200%2013.4526%200H22.3613C23.2999%200.0148976%2024.0447%200.759776%2024.0447%201.68343Z'%20fill='url(%23paint3_linear)'/%3e%3cpath%20d='M13.1099%200.0297852C13.095%200.0446827%2013.0801%200.0446826%2013.0503%200.0446826C13.095%200.0297851%2013.1099%200.0297852%2013.1099%200.0297852Z'%20fill='%2300D0B1'/%3e%3cpath%20d='M16.3278%204.43946L16.3129%204.42456C16.3129%204.42456%2016.3129%204.43946%2016.3278%204.43946Z'%20fill='%2300D0B1'/%3e%3cpath%20d='M13.0651%200.0446877L12.1266%200.372435L12.4841%201.56424L13.8547%203.78398L14.8975%203.14338L18.4432%203.17318V0.0148926L13.0651%200.0446877Z'%20fill='url(%23paint4_linear)'/%3e%3cpath%20d='M17.7728%208.38732L10.5922%2015.568C9.35567%2014.3315%209.35567%2012.3352%2010.5922%2011.0987L14.4953%207.19552L11.6201%204.32028C10.8603%203.56051%2010.6667%202.42829%2011.1285%201.45995C11.3519%200.998123%2011.7095%200.625683%2012.1415%200.372425C12.4246%200.208551%2012.7523%200.0893705%2013.0801%200.0446777C12.8715%200.134063%2012.2458%200.476707%2013.1397%201.37056L14.9274%203.15827L15.0168%203.18807H14.9125L17.7728%206.0484C18.4283%206.6741%2018.4283%207.73183%2017.7728%208.38732Z'%20fill='url(%23paint5_linear)'/%3e%3cdefs%3e%3clinearGradient%20id='paint0_linear'%20x1='22.9378'%20y1='15.3268'%20x2='19.9268'%20y2='37.4079'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%23F5B900'/%3e%3cstop%20offset='1'%20stop-color='%23F9781C'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint1_linear'%20x1='9.26639'%20y1='1.84062'%20x2='4.38954'%20y2='1.84062'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%23F5B900'/%3e%3cstop%20offset='1'%20stop-color='%23F9781C'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint2_linear'%20x1='0.00570577'%20y1='12.0049'%20x2='20.8254'%20y2='12.0049'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%23F5B900'/%3e%3cstop%20offset='1'%20stop-color='%23F9781C'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint3_linear'%20x1='24.5906'%20y1='6.1983'%20x2='5.41591'%20y2='-0.373079'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%2300E9B1'/%3e%3cstop%20offset='1'%20stop-color='%238457E5'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint4_linear'%20x1='18.5018'%20y1='-0.103245'%20x2='13.794'%20y2='2.64013'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%2300E9B1'%20stop-opacity='0'/%3e%3cstop%20offset='1'%20stop-color='%238457E5'/%3e%3c/linearGradient%3e%3clinearGradient%20id='paint5_linear'%20x1='14.3205'%20y1='11.7037'%20x2='8.97514'%20y2='-8.3537'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%2300E9B1'/%3e%3cstop%20offset='1'%20stop-color='%238457E5'/%3e%3c/linearGradient%3e%3c/defs%3e%3c/svg%3e)Payouts](https://www.cashfree.com/devstudio/payouts)
- [Secure ID](https://www.cashfree.com/devstudio/secureid)
# Payouts
#### Server SDKs
[**Go**](https://pkg.go.dev/github.com/cashfree/cashfree-payout) [**PHP**](https://packagist.org/packages/cashfree/cashfree-payout) [**Java**](https://central.sonatype.com/artifact/com.cashfree.payout.java/cashfree_payout) [**NodeJS**](https://www.npmjs.com/package/cashfree-payout) [**.Net**](https://www.nuget.org/packages/cashfree_payout) [**Python**](https://pypi.org/project/cashfree-payout/)
## IFSC Code Verification
# IFSC Code Verification
## Verify and fetch IFSC details
Validate IFSC information and get details including the bank name, branch name and transfer modes supported. Make successful transfers.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=IFSC%20Verification%20API&action=Sign%20Up&button-id=StartNow_Hero)
## Instant IFSC Code Verification
Verify the IFSC details of your customer or associated business via API or on dashboard, to make sure your payments go to the right beneficiary.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=IFSC%20Verification%20API&action=Sign%20Up&button-id=StartNow_InstantIFSCScodeVerification)
### Coverage across 600+ banks
Verify bank name, branch name, and transfer modes for 600+ banks including public, private, rural and cooperative banks.
### Verify via dashboard or API
Explore our no-code solution on the dashboard or integrate our API
### Real-time Results
Get results in just a few seconds of input with this efficient and cost-effective solution.
IFSC Code Verification
Simplify IFSC verification
[Explore API](https://docs.cashfree.com/reference/ifsc-verification)
Marketplaces
Confirm the IFSC details of users and vendors to ensure that payouts are accurately credited to the intended recipients.
Businesses and individuals
Authenticate IFSC details and ensure alignment with branch name and state to prevent transfer issues or reversals.
Payments and fintech companies
Facilitate seamless onboarding by verifying users' bank details to prevent discrepancies or transaction failures.
Insurance providers
Authenticate individuals and users during onboarding or before disbursing insurance funds.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is IFSC?
IFSC stands for Indian Financial System Code. It is a unique alphanumeric code that identifies bank branches participating in electronic funds transfers in India.
### What is IFSC Code Verification?
IFSC Code Verification confirms the accuracy and validity of an IFSC code associated with a specific bank branch.
### How does the IFSC Verification API work?
The IFSC Verification API works by querying a database of valid IFSC codes and associated bank branch details. When provided with an IFSC code, the API checks its validity and provides the relevant branch information.
### Who can use the IFSC Code Verification API?
The IFSC Code Verification API can be used by banks, financial institutions, payment processors, e-commerce platforms, and other entities requiring accurate validation of IFSC codes for financial transactions.
### How can we do IFSC Code Verification on Cashfree Payments?
To perform IFSC Code Verification on Cashfree Payments, simply integrate Cashfree Payments’ IFSC Verification API into your platform or verify via the dashboard as you go. When processing transactions, the API will verify the accuracy of IFSC codes, ensuring secure and reliable fund transfers.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other Cashfree Payments products
### Secure ID
Onboard users seamlessly with our compliant and highly customisable 360° identity verification platform
[Learn More](https://www.cashfree.com/kyc-verification/)
### Payouts
Easiest way to make payouts to any bank account, UPI ID, card, AmazonPay, Paytm or other native wallet 24\*7 instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Payment Gateway
Collect domestic and international payments on your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI e mandate.
[Learn More](https://www.cashfree.com/recurring-payment/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=IFSC%20Verification%20API&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Digital Payment Insights
Digital payment fraud is scaling shocking heights in India. According to the Reserve Bank of India, losses due to payment…
[Read More](https://www.cashfree.com/blog/secured-payment-solutions-for-shopify-store/)
#### [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
[View All](https://www.cashfree.com/blog/category/lifecashfree/)
[](https://www.cashfree.com/blog/women-at-cashfree-drive-fintech-innovation/)
In [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
## [How Women at Cashfree Payments Drive Fintech Innovation \| Women’s Day 2025](https://www.cashfree.com/blog/women-at-cashfree-drive-fintech-innovation/)
[1 month ago](https://www.cashfree.com/blog/women-at-cashfree-drive-fintech-innovation/) 7 Mins Read
Behind every secure transaction and seamless payment experience are diverse perspectives and inclusive decision-making at play. This is especially true…
[](https://www.cashfree.com/blog/anubhav-sharma-cybersecurity-journey/)
In [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
## [How does Cashfree Payments support career development for tech professionals?](https://www.cashfree.com/blog/anubhav-sharma-cybersecurity-journey/)
[2 months ago](https://www.cashfree.com/blog/anubhav-sharma-cybersecurity-journey/) 3 Mins Read
“I was always fascinated by how things break,” says Anubhav Sharma, Senior Product Security Engineer at Cashfree Payments. Hailing from…
#### [Banking](https://www.cashfree.com/blog/category/verification-suite/)
[View All](https://www.cashfree.com/blog/category/verification-suite/)
[](https://www.cashfree.com/blog/no-code-kyc-journey-builder-from-secure-id/)
In [Updates](https://www.cashfree.com/blog/category/updates/)
## [Cashfree KYC Studio: No-Code KYC Journey Builder from Secure ID](https://www.cashfree.com/blog/no-code-kyc-journey-builder-from-secure-id/)
[6 months ago](https://www.cashfree.com/blog/no-code-kyc-journey-builder-from-secure-id/) 6 Mins Read
Given the rise in digital interactions today, verifying user identities through Know Your Customer (KYC) processes has become essential for…
[](https://www.cashfree.com/blog/digital-identity-verification-secure-id/)
In [Updates](https://www.cashfree.com/blog/category/updates/)
## [Cashfree Secure ID : Powering the Next Era of Digital Identity Verification](https://www.cashfree.com/blog/digital-identity-verification-secure-id/)
[7 months ago](https://www.cashfree.com/blog/digital-identity-verification-secure-id/) 6 Mins Read
Cashfree Payments has always been at the forefront of innovation, empowering businesses across India since our launch in 2015. We…
[](https://www.cashfree.com/blog/why-is-aadhaar-masking-mandatory-for-businesses/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [Why is Aadhaar Masking mandatory for businesses?](https://www.cashfree.com/blog/why-is-aadhaar-masking-mandatory-for-businesses/)
[10 months ago](https://www.cashfree.com/blog/why-is-aadhaar-masking-mandatory-for-businesses/) 7 Mins Read
In recent years, Aadhaar has emerged as one of India’s most commonly used forms of identification. Aadhaar, managed by the…
[](https://www.cashfree.com/blog/how-to-do-gst-pan-search/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [How to do GST PAN Search? Know Your Business with PAN to GST Search](https://www.cashfree.com/blog/how-to-do-gst-pan-search/)
[11 months ago](https://www.cashfree.com/blog/how-to-do-gst-pan-search/) 5 Mins Read
Know Your Business (KYB) processes play a crucial role in today’s regulatory landscape, particularly in the context of Anti-Money Laundering…
[](https://www.cashfree.com/blog/what-is-passport-verification/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [What is Passport Verification? How can businesses verify passport numbers?](https://www.cashfree.com/blog/what-is-passport-verification/)
[11 months ago](https://www.cashfree.com/blog/what-is-passport-verification/) 5 Mins Read
In today’s digital age, ensuring secure transactions and verifying individuals’ identities are crucial for businesses worldwide. Passport verification plays a…
[](https://www.cashfree.com/blog/digilocker-kyc-verification-for-businesses/)
In [Verification Suite](https://www.cashfree.com/blog/category/verification-suite/)
## [DigiLocker KYC Verification for Businesses: What is it? How does the API Integration work?](https://www.cashfree.com/blog/digilocker-kyc-verification-for-businesses/)
[11 months ago](https://www.cashfree.com/blog/digilocker-kyc-verification-for-businesses/) 8 Mins Read
With the rise of digital platforms and services, traditional methods of identity verification and paper document sharing are becoming outdated…
#### [Payments](https://www.cashfree.com/blog/category/payments/)
[View All](https://www.cashfree.com/blog/category/payments/)
[](https://www.cashfree.com/blog/collect-payments-with-payment-handles/)
In [Payments](https://www.cashfree.com/blog/category/payments/)
## [Cashfree Payment Handles —The Most effortless way to collect payments](https://www.cashfree.com/blog/collect-payments-with-payment-handles/)
[2 months ago](https://www.cashfree.com/blog/collect-payments-with-payment-handles/) 3 Mins Read
Collecting payments should be fast, seamless, and effortless, but traditional payment links or forms often involve unnecessary steps that slow…
[](https://www.cashfree.com/blog/upi-transaction-limit/)
### [UPI Transaction Limit: SBI, HDFC, ICICI, & other banks (Updated 2025 List)](https://www.cashfree.com/blog/upi-transaction-limit/)
[2 months ago](https://www.cashfree.com/blog/upi-transaction-limit/)
[](https://www.cashfree.com/blog/cashfree-paymets-businessonbot-partnership/)
### [Simplifying Payments Collection with Cashfree and BusinessOnBot Partnership](https://www.cashfree.com/blog/cashfree-paymets-businessonbot-partnership/)
[3 months ago](https://www.cashfree.com/blog/cashfree-paymets-businessonbot-partnership/)
[](https://www.cashfree.com/blog/payment-ecosystems/)
### [Dive under the hood of the payments ecosystem](https://www.cashfree.com/blog/payment-ecosystems/)
[4 months ago](https://www.cashfree.com/blog/payment-ecosystems/)
[](https://www.cashfree.com/blog/boost-conversion-with-fast-checkout-solution/)
### [Craft your own branded checkout experiences with Cashfree Checkout](https://www.cashfree.com/blog/boost-conversion-with-fast-checkout-solution/)
[5 months ago](https://www.cashfree.com/blog/boost-conversion-with-fast-checkout-solution/)
- [All](https://www.cashfree.com/blog/category/all/)
- [Payments](https://www.cashfree.com/blog/category/payments/)
- [What’s New](https://www.cashfree.com/blog/category/updates/)
- [Policy Radar](https://www.cashfree.com/blog/category/policy/)
- [Engineering](https://www.cashfree.com/blog/category/engineering/)
- [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
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## Aadhaar Verification Service
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Table of Contents
Toggle
## **What is Aadhaar and Why Do We need it?**
Aadhaar is a 12 digit unique identity number issued to all Indian citizens by the [Unique Identification Authority of India](https://uidai.gov.in/) (UIDAI). This contains all your relevant information like biometric and demographic details.
In India, Aadhaar is considered to be one of the most important identity documents and can be used to open a bank account, FD investment, apply for a personal loan, or link with government documents, and more.
## **How Does Aadhaar Verification Work?**
The Aadhaar Verification tool by Cashfree Payments lets you validate the user’s 12-digit Aadhaar number along with details like the
1\. User’s Name
2\. Age-band
3\. Gender
4\. State, and the last three digits of their mobile number
And the best part?
**All of this can be verified in seconds.**
## **Why Do You Need Aadhaar Verification?**
Aadhaar Verification helps businesses to verify the identity of the Aadhaar holder instantly anytime, anywhere.
Aadhaar-based authentication is used by several background verification companies and also by regulated entities with strong Know Your Customer or KYC norms like banks or telecommunications companies.
Businesses can use Aadhaar Verification for various purposes like Onboarding vendors and delivery partners or agents, onboarding employees, user onboarding etc.
There are several industries that can benefit from this feature like –
- Payments & fintech companies
- Banks
- Lending platforms
- Insurance providers and NBFCs
- Trading and Investment platforms
- Staffing firms or HR companies
- Travel service providers
- Manufacturing companies
Are you a business interested in Aadhar Verification services? [Sign up](https://cashfree.com/aadhaar-verification/?utm_source=Blog&utm_medium=announcement&utm_campaign=Aadhaar-verification) for Aadhaar Verification now!
Well, here are some more details that might interest you.
## **Join the wider ecosystem of Verification Suite by Cashfree Payments!**
### **Bank Account Verification**
Verify beneficiary accounts for 600+ banks including public, private, rural, and cooperative banks. Verify if a bank account exists, match the name provided by the beneficiary with the name at the bank and minimize the failed or transfer reversals. Also know the accurate reason for verification failure.
### **UPI ID Verification**
Enter UPI ID or UPI VPA and know if it exists and is valid. You will receive a customer name at the bank in the response for valid UPIs.
### **IFSC verification**
Verify whether the IFSC is valid, the bank name and the bank branch that it belongs to. Know the transfer modes supported – NEFT, IMPS, RTGS and choose the payout method accordingly.
### **PAN Verification**
Verify if the PAN is valid, identify the registered name of the cardholder along with the nature of the cardholder. Do a single verification or a bulk verification of upto 10,000 PAN numbers instantly via API.
[Sign up](https://cashfree.com/aadhaar-verification/?utm_source=Blog&utm_medium=announcement&utm_campaign=Aadhaar-verification) for the Verification Suite now !
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[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
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## UPI Payment Gateway Integration
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**UPI integration** is required for accepting payments directly from customers through UPI apps such as GooglePay, BHIM UPI, PhonePe etc.In this blog, we discuss the various **types of UPI integrations** and **how to** [**integrate UPI** **Payment Gateway**](https://docs.cashfree.com/docs/upi) **in** **website** or **mobile application**.
## **Why Do You Need UPI Payment Gateway Integration?**
UPI has clearly seen spectacular adoption as a P2P payment method. It is designed as a convenient way to pay for online purchases and B2B payments.
| | | | | |
| --- | --- | --- | --- | --- |
| | **Parameters** | **UPI** | **NB** | **Cards** |
| For Customers | **Payment information needed for checkout** | UPI ID-similar to email and 4-digit MPIN | Bank Login id and password, OTP or PIN | 16-19 digit card number, CVV, Card expiry details, Cardholder name, OTP or ATM PIN |
| | **Mobile Friendly Design** | High – Mobile first design | Low | Low |
| For Business | **Settlement to a business account** | 1 Day | 1-2 Days | 1 Day |
| | | 70-95%\* | 70-90% | 70-90% |
UPI vs Net banking vs Cards
As compared to other payment modes, UPI checkout flows are reducing the friction for customers and merchants which means a higher transaction success rate and money hitting the bank accounts faster.
UPI payment gateway integrations - UPI Desktop QR, UPI WhatsApp link , UPI Intent & collect flow - YouTube
Cashfree Payments
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[UPI payment gateway integrations - UPI Desktop QR, UPI WhatsApp link , UPI Intent & collect flow](https://www.youtube.com/watch?v=oSosi4waSR0)
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## Choosing a Payment Service Provider for UPI Integration
With all the stakeholders of the payments ecosystem – banks, payment apps and NPCI trying to innovate using UPI, there have emerged many ways to offer UPI as a payment option that is suited for different kinds of payments and platforms.
Banks, [UPI](https://www.cashfree.com/upi-payment-gateway/?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog) [payment gateways (like Cashfree)](http://cashfree.com/upi-payment-gateway/?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog) and UPI apps (like PhonePe) – all provide integration kits for merchants to start collecting payments by using UPI payment method.
### **Banks**
**Pros:**
- Marginally better scope of [price negotiation](https://www.cashfree.com/resources/merchant-discount-rate?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog/) since aggregators and payment apps add their margin to the bank pricing. However, in practice, pricing is quite similar since aggregators are able to negotiate volume discounts with banks and pass them on to their merchants.
- Banks, being directly connected to NPCI, provide the UPI SDK that converts your app into a UPI app. The primary advantage is that there is no redirection to a third-party app. However, It is ideally used only by businesses having only UPI transactions and those who anticipate a very high volume of payments. A good example would be UPI payment apps themselves like Google Pay and PhonePe.
**Cons:**
- Setup fee
- Higher turnaround time for integration
- Limited integration options
- Success rates dependent on server uptimes of a single bank
- Pending or Failed transfers need manual reconciliation
- Dashboard, Reporting and MIS are less
- Operational Support and troubleshooting are slow
### **UPI Payment Gateway** Integration
**Pros:**
- [Simple and quick integration](https://docs.cashfree.com/docs/upi)
- No setup fees
- Multiple integration options for web and mobile\*
- Higher success rates due to routing between multiple banks\*
- Automatic reconciliation of pending and failed transactions\*
- Better operational support, and quick troubleshooting over email and chat
- Detailed MIS, reporting and user-friendly dashboard
**Cons:**
- Common merchant UPI ID shared between multiple merchants. However Cashfree merchants can apply for unique, white-labelled UPI IDs which get registered at the banks.\*
> How Cashfree offers higher than industry average success rates on UPI?
>
> Cashfree has direct UPI integrations with multiple banks & PSP apps such as Google Pay. Our in-house transaction routing algorithms and automated reconciliation process for pending payments ensure a higher success rate than the industry standard.
[](https://www.cashfree.com/contact-sales/?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog)
### **UPI Apps like Phonepe**
**Pros:**
Occasional offers and cashback (can be offered via aggregators as well)
**Cons:**
- Cumbersome integration can be added via an aggregator as well
- Additional step at checkout if login is needed
- Only UPI supported, hence payment operations get split across multiple service providers
While banks and aggregators both offer UPI as an option, it is better to opt for an aggregator if you want to accept online payments through UPI as well as other payment modes.
UPI still accounts for a minor share of transactions in terms of value as compared to cards, and it is easier to integrate and operate multiple payment modes via the same payment provider such as Cashfree.
## How to Integrate UPI Payment Gateway in Website
For UPI integration you can reach out to any of the payment providers listed above. But before you finalise you also need to understand what are the different types of UPI payment gateway integrations and corresponding checkout flow.
## Types of UPI Payment Gateway Integrations
### Webflow UPI Integration
**Platform:** Web, Mobile web, Android, iOS
This is the most popular UPI integration mode.
Let’s take an example of a customer checkout experience on Mogra Designs, a Cashfree merchant having UPI Webflow integration.
- The customer selects items and fills in details like shipping address, delivery instructions etc
- Selects UPI as a payment mode, enters his mobile app UPI ID, also called VPA (Virtual Payment Address), verifies and submits it.
- Need to check his mobile phone and do a _two-way authentication_ which involves:
a) Opening the UPI app (in this case BHIM app) using the app Passcode or thumb impression.
b) Authenticating the transfer by entering UPI PIN. (UPI-PIN is a 4-6 digit secret code you create/set when you link a bank account with your UPI mobile app.)
Once the customer authenticates the payment, the transaction will be marked as successful.
**Payment Flow:**
The customer has to first enter his [**VPA (or UPI ID)**](https://www.cashfree.com/blog/vpa-in-upi/), open his UPI mobile app, do 2-factor authentication on his mobile phone and then come back to the website.
**Suitability:**
Any business that wants to provide UPI as a payment mode and doesn’t mind redirecting the customer to a third-party site (UPI app providers such as Google Pay, or PhonePe). It is a relatively economical UPI integration mode.
Want to accept UPI payments?
Integrate Cashfree Payment Gateway and receive UPI payments via Whatsapp, GooglePay & other Apps. Lowest 1.75% TDR.
[Contact Us](https://www.cashfree.com/contact-sales)
### UPI Google Pay Integration
**Platform:** Web, mobile web, Android, iOS (Payer needs to have Google Pay on their phone)
This is similar to the UPI web-flow, but the payer enters his phone number instead of the UPI ID.
UPI Google Pay integration is a very convenient checkout flow as the payer/customer need not remember the UPI ID/VPA. Cashfree provides UPI Google Pay integration.
**Payment Flow:**
The customer enters a mobile number instead of UPI VPA/UPI ID, does a 2-factor authentication (as explained before) and completes the payment.
**Suitability:**
Any small and medium business that wants to provide UPI as a payment option. This mode should be used when you see that Google Pay is a preferred UPI payment mode among customers.
### Intent Flow UPI Integration
**Platform:** Android
**Payment Flow:**
As soon as the user chooses the UPI payment app, the app installed on his mobile launches automatically, the user doesn’t need to enter UPI VPA or phone number as it is auto-filled along with other payment details including the amount to be paid.
**Suitability:**
[UPI Intent flow](https://docs.cashfree.com/docs/33-initiate-payment-upi-intent-flow) is a frictionless checkout experience as it automatically launches a preferred UPI mobile app during payment. It is ideal when your customers are placing an order directly on an Android app. Intent flow is offered as a part of Cashfree’s Android SDK.
### UPI SDK Flow Integration
**Platform:** Android, iOS
Using the UPI SDK, the merchant can receive the payment without the customer having to open any third-party app. This form of integration works only on mobiles(Android & iPhone) and is provided by banks like RBL, ICICI, Yes Bank, and Axis Bank. For this, you need to contact the bank directly and request NPCI UPI Android SDK to receive payments.
**Payment Flow:**
- **In this case, the bank will create a VPA and then you can get paid by customers on the same VPA on your mobile app. Once you have the access to UPI SDK, you need to add it to your website/mobile application to enable transactions using UPI.**
- **Here no separate UPI app such as BHIM, Google Pay etc is required. Since there is no redirection to any third-party application, using UPI SDK integration, the conversion rate increases.**
**Suitability:**
Typically big businesses having a high volume of daily inward transactions on their mobile app opt for this type of integration.
\[What’s new\] Cashfree now offers UPI SDKs. Get in touch [here](https://www.cashfree.com/contact-sales/?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog)!
### Payment by QR code on the UPI app
**Platform:** Offline, Web
#### What is a QR Code?
**[QR code](https://www.cashfree.com/blog/qr-code-payments/)** or Quick Response Code is a unique graphics code.
- **Dynamic Universal QR Codes:**
**Payment Flow:**
- A unique QR code is created for each order during checkout.
- The customer can simply open any UPI mobile app, scan the dynamic QR code created for the order and pay.
- **This QR code works across all UPI apps.**
This is similar to the UPI web flow. However, the customer can scan the QR code instead of entering their UPI ID.
This feature is provided by Cashfree. On scanning, a payment request gets initiated to the customer’s UPI app which needs to be approved. Once the customer pays, Cashfree will automatically complete the transaction and mark it as paid.
**Suitability:**
Any business is willing to provide a seamless UPI payment flow. In this case, since a dynamic QR code is generated for each transaction, tagging the payment as successful for a transaction is automated.
- **Static QR Codes:**
**Payment Flow:**
- **The payee merchant, instead of (or in addition to) sharing their UPI ID as text, converts it to a QR Code which is easy to scan and pay.**
- The merchant can directly use app-specific QR codes (for eg. Paytm as shown above)
- Interoperable QR codes by **[UPI apps](https://www.cashfree.com/blog/whats-new-set-up-custom-recurring-payments-via-any-upi-app-with-on-demand-upi-autopay/)** can also be used ( for example if you use the BHIM UPI QR code, the same works for accepting payments from Google Pay, Phone Pe and Bhim app)
**Suitability:**
Used when the merchant wants to receive payments offline.
\[Want to offer a faster checkout experience for your store? Get in touch [here](https://www.cashfree.com/contact-sales/?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog)!\
\
### AutoCollect and Reconcile UPI Collections Through Virtual UPI IDs\
\
The above-mentioned UPI payment flows involve the payer visiting the payee merchant’s app or website to initiate a transaction.\
\
However, for many regular, day-to-day payments, the payer may not visit the payee merchant’s app. It is also possible the payee merchant may not have a website or app. Examples can be phone bill payments, school fee payments, short-term loan repayments, apartment fee maintenance etc.\
\
While the payee merchant can simply share their UPI ID with the payer to collect payments, it becomes difficult to reconcile received payments for the payer by looking at the bank statement.\
\
Let’s take Airtel bill payments as an example — If 1 million people were to pay bills by sending money to airtel@icicibank, Airtel would probably take a very long time to mark those bills as paid.\
\
**[**AutoCollect as a Solution**](https://www.cashfree.com/auto-e-collect?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog/)**\
\
- The payee merchant creates a unique virtual UPI Id for each payer. For example, Airtel. _\[Phone No\]_@icicibank.\
- Since a payer pays into a unique UPI ID instead of everyone sending it to airtel@icicbank — the bill payment is reconciled the moment the money is received.\
- Better still, UPI being a platform that is available across all payment apps today, it is possible to make such **payments from any app like Google Pay, BHIM, Paytm and even WhatsApp.** The payer just needs to know the correct UPI ID to send money which is shared by the merchant.\
\
**Suitability:**\
\
- AutoCollect by creating virtual UPI IDs is a great solution for the offline UPI payment use case such as phone bill payments, school fee payments, short-term loan repayments, apartment fee maintenance etc.\
\
## **Conclusion:**\
\
UPI is considered an incredibly well-designed and mobile-first payment solution. Integrating UPI into your website/application offers a faster and more preferred way to pay for an increasing number of customers.\
\
Depending on the kind of checkout experience that suits your business use case, you can opt for the appropriate mode of UPI integration. If you have questions or want to talk to our payments experts, please write us at **care@cashfree.com**.\
\
Want to accept UPI payments?\
\
Integrate Cashfree Payment Gateway and receive UPI payments via Whatsapp, GooglePay & other Apps. Lowest 1.75% TDR.\
\
[Contact Us](https://www.cashfree.com/contact-sales)\
\
## FAQs on UPI Integration\
\
### How can I ensure a high transaction success rate of UPI transaction?\
\
Once you have completed UPI integration, this is likely the next possible question.\
\
UPI Payment processing involves a lot of players.\
\
Therefore, a lot of things can go wrong.\
\
So, here are some tips that can help you ensure that your UPI transactions have a high success rate.\
\
1. Choose a [**payment aggregator**](https://cashfree.com/blog/payment-aggregator/?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog) that offers dynamic routing based on availability and performance.\
2. Inform the customer in advance if any UPI app or any bank is facing downtime\
3. Ensure that your PSP validates the VPA in UPI before any UPI transactions\
4. Offer dynamic QR codes as a method of payment\
5. Save customer’s UPI VPA so they do not have to enter it repeatedly for future purchases\
6. Include a timer on payment pages so that the customer makes the payment faster\
7. Blacklist the UPI apps with extremely low success rates\
8. Consider implementing an intent flow as it has a low churn rate and a higher success rate\
\
### [](https://www.cashfree.com/whitepapers/optimizing-transaction-success-rate?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog/)\
\
### What are the Benefits of UPI Integration?\
\
Well, many benefits.\
\
But here are some advantages of UPI integration that really stand out.\
\
1. Better customer experience. UPI is the most preferred payment mode for the Indian population. Integrating UPI as a payment mode on your website/app is of utmost importance.\
2. The government has mandated 0% [**payment gateway charges**](https://www.cashfree.com/blog/payment-gateway-charges-india-free-payment-gateway/?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog). This means that UPI as a payment mode only includes platform charges.\
3. The [**U**](https://www.cashfree.com/blog/upi-transaction-limit/?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog) [**PI transaction limit**](https://www.cashfree.com/blog/upi-transaction-limit/?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog) is high. The P2P limit is set at 1 lakh. However, there is no such limit of peer to merchant transactions.\
4. If you choose the right PSP, you will be able to get access to fast settlement cycles and easy reconciliation for UPI payments.\
\
[](https://blogrevamp.cashfree.com/contact-sales?utm_source=blog&utm_medium=organic&utm_campaign=upi_integration_blog)\
\
### Related Posts:\
\
- [Escrow Account in India](https://www.cashfree.com/blog/escrow-account-in-india/)\
- [Payment Aggregator](https://www.cashfree.com/blog/payment-aggregator/)\
- [FIRC](https://www.cashfree.com/blog/firc/)\
- [Top Neobank in India](https://www.cashfree.com/blog/top-neobanks-in-india/)\
- [E-Mandate](https://www.cashfree.com/blog/e-mandate/)\
\
[upi](https://blogrevamp.cashfree.com/tag/upi/) [upi india](https://blogrevamp.cashfree.com/tag/upi-india/) [upi integration](https://blogrevamp.cashfree.com/tag/upi-integration/) [upi integration for app](https://blogrevamp.cashfree.com/tag/upi-integration-for-app/) [upi integration for website](https://blogrevamp.cashfree.com/tag/upi-integration-for-website/) [upi intent flow](https://blogrevamp.cashfree.com/tag/upi-intent-flow/)\
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## Face Match API
# Face Match API
## Advanced Facial Recognition and Verification
Authenticate users for confident and secure onboarding through reliable Face Match API and Face Liveness Detection, in compliance with RBI’s Digital KYC guidelines.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Face%20Match%20API%20LP&action=Sign%20Up&button-id=StartNow_Hero)
## Face Match and Face Liveness Detection
Ensure customer credibility with real-time facial recognition and verification via Face Match API and Face Liveness Detection.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Face%20Match%20API%20LP&action=Sign%20Up&button-id=StartNow_FaceMatchandFaceLivenessDetection)
### Plug And Play API
Integrate our developer-friendly APIs, apart from using the self-serve feature on our dashboard.
### Real-time and Reliable
Instant response with high precision and accuracy through advanced AI-powered authentication solutions.
### Enhanced User Experience
Seamless, automated and convenient authentication experience. Saves time and resources.
### Compliance Check
Comply with RBI guidelines for Digital KYC through reliable and secure facial recognition.
### Fraud Prevention
Detect spoofing attempts and ensure the presence of live individuals. Effectively mitigate risks associated with identity theft and impersonation fraud.
Facial recognition done in seconds
Step 1
Upload an ID
Upload an ID of your customer that is issued by the Indian government.
Step 2
Upload a Selfie
Upload a real-time photo (selfie) of your customer.
Step 3
Verify
Get instant results based on facial feature analysis and comparison of selfie with the ID photograph.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Face%20Match%20API%20LP&action=Sign%20Up&button-id=StartNow_FacialRecognitionDoneInSeconds)
Couple Customer Convenience with Fraud Prevention
- Face Match API
- Face Liveness Detection API
Face Match API
- ### Compare faces between two images or IDs
- ### Reduce customer drop-offs during onboarding
- ### Pair with Face Liveness Detection API for robust Digital KYC
[Explore API](https://docs.cashfree.com/reference/face-match)
Face Liveness Detection API
- ### Verify if the customer is genuine and not a bot
- ### Screen out spoofs, frauds and bots instantly
- ### Streamline Digital KYC with Face Match API
[Explore API](https://docs.cashfree.com/reference/liveliness-check)
Face Match API
Face Match API
- ### Compare faces between two images or IDs
- ### Reduce customer drop-offs during onboarding
- ### Pair with Face Liveness Detection API for robust Digital KYC
[Explore API](https://docs.cashfree.com/reference/face-match)
Face Liveness Detection API
Face Liveness Detection API
- ### Verify if the customer is genuine and not a bot
- ### Screen out spoofs, frauds and bots instantly
- ### Streamline Digital KYC with Face Match API
[Explore API](https://docs.cashfree.com/reference/liveliness-check)
Digital KYC Compliance made faster and reliable
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Face%20Match%20API%20LP&action=Sign%20Up&button-id=StartNow_DigitalKYCCompliance)
Banks and NBFCs
Allow faster account opening, and secure account access for new applicants, as per RBI’s guidelines for Digital KYC.
Insurance Platforms
Verify identities through facial authentication during onboarding and insurance processing.
Investment Platforms
Streamline Digital KYC verification for quick customer onboarding. Offer convenience for retail investors to sign up and invest. Keep fraudsters away.
Lending and NeoBanks
Fast-track user onboarding and validate user identity for Digital KYC verification, credit card or prepaid card allotments, quick loans etc.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Facial Recognition?
Facial recognition is a technology that works by analysing facial features in images or video frames, comparing them to stored data, and creating a facial template.
### How does Face Match API work?
Face Match API works by comparing facial features extracted from two different images, such as a selfie and an ID photo. It analyses unique facial characteristics, such as the arrangement of eyes, nose, and mouth, to determine if the faces in the two images belong to the same individual.
### How does Face Liveness Detection work?
Liveness Check API works by verifying the presence of a live person during the authentication process. It analyses subtle facial movements or responses captured in a live selfie or video to ensure that the user is physically present and not using a static image or video recording.
### How much time does Face Match API take to compare images?
Face Match API from Cashfree Payments gives a Matching Score between two images, within a few seconds once the request is submitted.
### How do I use Face Match API and Face Liveness Detection API for my Digital KYC process?
Simply integrate our Face Match API and Liveness Check API within your applications to automate the process. Minimise the chance of exposing the data to any third party.
### I am an existing Cashfree merchant. Do I need to opt for Face Match API and Liveness Check API separately?
No, it is automatically activated for all merchants. More details can be found on the dashboard.
### How reliable is the Facial Recognition process?
Our advanced AI-powered APIs for Face Match and Face Liveness Detection ensure high precision and foolproof results.
### Which industries use Face Match and Face Liveness Detection?
Face Match or Selfie Verification is a mandatory step in the KYC verification process. Banks, NBFCs, Fintech Companies, NeoBanks, Logistics and Transportation Businesses, Micro Lenders, Retail Lenders and Ride-Hailing service providers are some of the sectors where facial recognition including face match and face liveness detection are used for onboarding and identification. Face Match API coupled with Face Liveness Detection API, works best for foolproof face recognition.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other Cashfree Payments products
### Secure ID
Onboard users seamlessly with our compliant and highly customisable 360° identity verification platform
[Learn More](https://www.cashfree.com/kyc-verification/)
### Payouts
Easiest way to make payouts to any bank account, UPI ID, card, AmazonPay, Paytm or other native wallet 24\*7 instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI e mandate.
[Learn More](https://www.cashfree.com/recurring-payment/)
### Payment Gateway
Collect domestic and international payments on your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Face%20Match%20API%20LP&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092998767&cv=11&fst=1744092998767&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441h1v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fface-match-api%2F&hn=www.googleadservices.com&frm=0&tiba=Face%20Match%20API%2C%20Face%20Liveness%20Detection%20API%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1639247213.1744092998&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092998856&cv=11&fst=1744092998856&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441h1v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fface-match-api%2F&hn=www.googleadservices.com&frm=0&tiba=Face%20Match%20API%2C%20Face%20Liveness%20Detection%20API%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1639247213.1744092998&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092998853&cv=11&fst=1744092998853&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441h1v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fface-match-api%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Face%20Match%20API%2C%20Face%20Liveness%20Detection%20API%20%7C%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1639247213.1744092998&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1085115946.1744092999>m=45je5441h1v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=1108802700)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Aadhaar OCR Verification
# Aadhaar OCR
## Aadhaar Card OCR
Extract, verify and pre-fill data from a scanned Aadhaar card through our advanced OCR technology. Speed up your onboarding and KYC process with a simple API integration.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Aadhaar%20OCR%20Verification&action=Sign%20Up&button-id=StartNow_Hero) Contact Sales
## Aadhaar OCR for Identity Verification
Aadhaar Card OCR allows auto-filling of extracted data from provided Aadhaar Card images, in corresponding fields for faster onboarding.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Aadhaar%20OCR%20Verification&action=Sign%20Up&button-id=StartNow_AadhaarOCRforIdentityVerification)
### Verify via dashboard or API
Integrate API on your platform with just a few lines of code, or upload images on our dashboard to verify as you go.
### Faster Onboarding
Allow auto-filling of information fetched from Aadhaar Card OCR in corresponding fields and onboard your users faster and hassle-free. Our API can extract details from any valid Aadhaar template, including masked Aadhaar.
### Accuracy with security
Eliminate any chances of errors with our intelligent and advanced OCR technology. Detect fraud at source for any invalid or fake scans.
### Real-time verification
Instant and accurate extraction of data saves you from doing manual entries and checks.
Validate data with Aadhaar OCR in 3 steps
Step 1
Input
Upload front-side and back-side image of the Aadhaar Card.
Step 2
Verification in Progress
The Aadhaar OCR API will extract and auto-fill data against corresponding fields on the form.
Step 3
Output
Instant response in terms of data extraction from Aadhaar Card includes official name, year of birth, pin code, address, gender, and more.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Aadhaar%20OCR%20Verification&action=Sign%20Up&button-id=StartNow_ValidateDateWithAadhaarOCR)
Who can use Aadhaar OCR by Cashfree Payments?
[Explore the API](https://docs.cashfree.com/reference/aadhaar-verification-via-ocr)
Banks & NBFCs
Ensure efficient account opening processes with Aadhaar OCR for seamless verification of identity and compliance with regulations.
Micro-Lending
Strengthen trust and mitigate risks by verifying user identity through Aadhaar OCR for every lending transaction, personal loan disbursals and credit card applications.
Insurance
Expedite KYC process for insurance applications by integrating Aadhaar OCR to quickly and accurately verify customers' identities.
Logistics
Streamline driver onboarding procedures by using Aadhaar OCR for reliable verification of identities and licenses, ensuring safety and compliance.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Aadhaar OCR Verification? How does it work?
Aadhaar OCR Verification is a process of extracting information from Aadhaar cards using Optical Character Recognition technology. It works by scanning the Aadhaar card image, identifying text elements, and converting them into digital data for verification purposes.
### How reliable is Aadhaar Card OCR from Cashfree Payments?
Aadhaar OCR from Cashfree Payments is highly reliable, providing accurate extraction of information from Aadhaar cards and ensuring seamless verification processes for businesses. The solution is backed by a 99% success rate, with a 99% uptime guarantee and gives instant verification responses within a few seconds.
### How can Aadhaar OCR help with error-free information extraction?
Aadhaar Card OCR ensures error-free extraction by automatically scanning and digitising text from Aadhaar cards, minimising manual data entry errors and ensuring accuracy in information extraction.
### What details do I need to input for Aadhaar OCR?
For the Aadhaar OCR, you only need to input the Aadhaar card frontside and backside image. The API will extract the necessary details from the image.
### What details will the Aadhaar OCR API extract as a response?
The Aadhaar OCR API will extract details such as the Aadhaar number, name, year of birth, address, and other relevant information from the Aadhaar card image.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore more from our Verification Suite
### Aadhaar Verification
Do user Aadhaar Verification in seconds and speed up KYC
[Learn More](https://www.cashfree.com/aadhaar-verification/)
### Face Match API
Compare faces in photographs and IDs, for facial recognition
[Learn More](https://www.cashfree.com/face-match-api/)
### Aadhaar Masking Solution
Mask the first 8 digits of Aadhaar Number in real-time.
[Learn More](https://www.cashfree.com/aadhaar-masking-solution/)
### Aadhaar eSign
Send, track, and request Aadhaar-holders to eSign documents.
[Learn More](https://www.cashfree.com/aadhaar-esign/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Aadhaar%20OCR%20Verification&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092994640&cv=11&fst=1744092994640&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Faadhaar-ocr-verification%2F&hn=www.googleadservices.com&frm=0&tiba=Aadhaar%20OCR%20%7C%20Verification%20Suite%20from%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=466344725.1744092994&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092994719&cv=11&fst=1744092994719&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Faadhaar-ocr-verification%2F&hn=www.googleadservices.com&frm=0&tiba=Aadhaar%20OCR%20%7C%20Verification%20Suite%20from%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=466344725.1744092994&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092994707&cv=11&fst=1744092994707&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Faadhaar-ocr-verification%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Aadhaar%20OCR%20%7C%20Verification%20Suite%20from%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=466344725.1744092994&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1823326694.1744092995>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=1257868060)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Custom Payment Pages
# Payment Pages
Create
## custom Payment Pages
and get paid instantly
Create a Payment Page with all your business details, and share over WhatsApp, SMS or Email - with zero coding efforts.
- ### 180+ payment modes with industry-best success rates
- ### Customized pages for each customer
- ### Get real-time alerts with webhook
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_Hero)
Payment Pages
[Features](https://www.cashfree.com/en/payment-pages/#features) [Pricing](https://www.cashfree.com/en/payment-pages/#pricing)
Grow your business with Cashfree Payment Pages
### Easy to create and use
Start doing business online in just 2 minutes. Create a Payment Page, add product details and share over Whatsapp, Email or SMS, or other social media and
## accept payments online
. Create unlimited pages at zero cost.
### Web and mobile compatible
Give a smooth checkout experience to your customers whether they are browsing through mobile or web.
### Customize page to match your brand
Add your business offerings. Add custom fields to collect user details. Add your brand logo and customize the Payment Page as per your brand's colors. You can also personalize the page URL.
### 180+ domestic and international payment modes
Give your customers the option to pay by payment mode of their choice. 100+ international currencies supported.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_GrowYourBusinessesWith)
## Built for all kinds of businesses
Travel and hospitality bookings
Create customized pages and share with your agents and collect online payments easily.
Event registrations
Add event details, accept ticket booking and collect online payment and successfully host events.
EMI collections
Let your customers pay loan installments, SIP installments, and credit card payments.
Accept donations
NGOs and Nonprofit organizations can raise money hassle-free.
Tuition fee collection
Directly add payment page link on website or app, collect fee, and automate payment reconciliation. No separate payment gateway integration required.
Forex Services
Collect payments for your foreign exchange service business. Be it visa application fee or payment against an abroad study program, collect payments easily with customized Payment Page.
Bill Payments
Automate payments collections and receive timely payments.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_BuildForAllBusinesses)
Zero Charges\* for
## Payment Pages creation
!
\*Transaction charges apply for the payments processed via Payment Pages.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_TryPaymentPages)
Pricing
## Simple Pricing, No Hidden Charges
UPI, Net banking and cards
Zero transaction charges
UPI
RuPay
1.90%
Phonepe
Google Pay
Amazon Pay
ICICI
Visa
Mastercard
Maestro
Net Banking
Paylater & Cardless EMI2.5%
Zest Money
Olamoney
E-paylater
Flexmoney
ICICI
Kotak
HDFC
International Cards3.5% + ₹7
Visa
Mastercard
PayPal and PaytmZero Cashfree Charges
PayPal
Paytm
Note: Only standard PayPal and paytm respective payment gateway charges will apply.
Other Cards2.95%
Diners Club
Amex
_\*Payment gateway charges include MDR/TDR and platform fee_
There’s more
## Get access to advanced payment gateway features
### Instant refunds
Do instant customer refunds - online orders, COD orders, and deposits with our advanced refund solutions and delight your customers.
[Learn more](https://www.cashfree.com/instant-refunds/)
### Instant settlements
Get access to your payment gateway collections within 15 minutes even on bank holidays.
[Learn more](https://www.cashfree.com/instant-settlements/)
### Saved card tokenization
Give your customers the option to save cards on your website or app and process card payments securely while being RBI compliant.
[Learn more](https://www.cashfree.com/card-tokenization/)
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_TheresMore)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is a Payment Page?
A Payment Page is a web page that gives the option to add product details along with the option to collect user details. You can collect payments from multiple customers using the same Payment Page, without any integration or coding. Share the Payment Page URL with your customers on SMS, email, WhatsApp, other messaging apps, or embed it on your website and app and start collecting payments within minutes.
### Can I customize Payment Pages as per my needs?
Yes. There are multiple customizations available-
- Fix the amount, or allow customers to choose the amount
- Add custom input fields to collect information from your customers
- Add product/service description
- Add brand logo, choose URL for the Payment Page
### Do I have to bear any charges to avail this feature? If yes, how much will it be?
You can create unlimited Payment Pages for free. Standard TDR charges will apply to payments done by customers.
### Are international payments supported on Payment Pages?
Yes, it is possible to enable international payments on Payment Pages. Reach out to us and help us understand your business for quick activation. If you have a Paypal account, connect [Paypal to Cashfree Payments](https://www.cashfree.com/blog/paypal-integration/) and start offering Paypal as a payment option on the checkout page instantly.
### What are Orders?
Each time your customer opens a Payment Page, fills in their details and attempts payment, a new Order is created against that Payment Page. This gives you the information on how many times the customer has visited the Payment Page before completely paying the full amount. You can follow up with such customers and try to improve your conversion rate.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Payouts
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI emadate.
[Learn More](https://www.cashfree.com/recurring-payment/)
### Payment Gateway
Collect payments on your website or app. Make payouts to any bank account.
[Learn More](https://www.cashfree.com/payment-gateway-india)
### Easy Split
Split vendor commissions and manage marketplace settlements.
[Learn More](https://www.cashfree.com/easy-split/split-payment-gateway/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=payment%20pages&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Cashfree Payment Gateway
# Payment Gateway
## Payment Gateway
for your website and mobile app
Provide a seamless, conversion-friendly checkout with a wide range of payment options. Go live quickly and grow with advanced features and developer-friendly integrations.
- Instant Activation
- 180+ payment modes
- 20-40% higher success rate
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=PG%20Page&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=PG%20Page&action=Contact%20Sales&button-id=ContactSales_Hero)
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Payment Gateway
[Why Cashfree?](https://www.cashfree.com/payment-gateway-india/#Why_Cashfree) [Payment options](https://www.cashfree.com/payment-gateway-india/#Payment_options) [Enterprise features](https://www.cashfree.com/payment-gateway-india/#Enterprise_features) [Unlock growth](https://www.cashfree.com/payment-gateway-india/#Unlock_growth)
WHY CASHFREE?
## Best payment gateway
built for India
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=PG%20Page&action=Sign%20Up&button-id=StartNow_WhyCashfree) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=PG%20Page&action=Contact%20Sales&button-id=ContactSales_WhyCashfree)
### Offer 180+ payment options
Build a customer-friendly checkout that increases conversions with the widest range of payment options. Offer UPI, Cards, EMIs, Pay Later, Wallet, Net banking and many more ways to pay.
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### Enjoy industry-leading success rates
Get the highest success rates across all payment modes, powered by Cashfree’s direct integrations with payment partners and banks, as well as dynamic routing via advanced AI/ML logic.
### Developer-friendly integrations
Create an unmatched customer experience with the simplest and easiest integrations for your website and mobile app. A wide range of SDKs. RESTful APIs, plug-ins, support for all major platform languages.
Ready to get on board right away?
- ### Instant activation
- ### Easy, low-code integration
- ### 24\*7 industry-best support
[Get started now](https://merchant.cashfree.com/merchants/signup?source-action=PG%20Page&action=Sign%20Up&button-id=StartNow_ReadyToGetOnBoard)
Payment options
Unmatched checkout experience that drives business growth
- UPI
- Cards
- BNPL Suite
- Global Collections
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## UPI
Stay ahead of the UPI revolution by achieving 20% higher success rates with Cashfree’s 8+ direct bank integrations
Flash UPI: Provide 5 times faster checkout. No need for UPI apps - no redirection required.
UPI Intent: Deliver a 10-second purchase experience by seamlessly opening the UPI apps on customer’s mobile phone.
Credit Card on UPI: Enable easy access to credit with just the customer’s UPI PIN \[Available for RuPay credit cards only\].
[Learn More](https://www.cashfree.com/upi-payment-gateway/)
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## Cards
Cater to a billion Indians with our robust cards stack. Increase sales of premium goods and high-priced items.
Enjoy 10% reduced failures on saved cards with CVV-Free flow.
Leverage Token Vault, India’s first interoperable card tokenization solution with 16Mn+ saved cards.
Pre-auth: Use Pre-Auth to save costs on order cancellations and provide an instant refunds experience.
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## BNPL Suite
Increase affordability of your products and enjoy higher average order value by up to 40% on every customer order with India's widest Buy Now Pay Later Suite.
35+ Debit Card EMI, Credit EMI, Cardless EMI & Pay Later partners
NEW
BNPL Plus
Turn every visitor into a paying customer by displaying flexible payment options right upfront on your product page.
[Check it out](https://www.cashfree.com/bnpl-plus/)
[Learn More](https://www.cashfree.com/bnpl-plus/)
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## Global Collections
Expand your business globally and accept payment from international customers without any tech effort.
30+ international currencies supported
Card 3DS 2.0 secure international payments
INR settlements within 2 days
Introducing
Paypal Express Checkout
100+ currencies across 200+ regions
[Learn More](https://www.cashfree.com/international-payments/international-wire-transfer/)
UPI
Your browser does not support the video tag.
## UPI
Stay ahead of the UPI revolution by achieving 20% higher success rates with Cashfree’s 8+ direct bank integrations
Flash UPI: Provide 5 times faster checkout. No need for UPI apps - no redirection required.
UPI Intent: Deliver a 10-second purchase experience by seamlessly opening the UPI apps on customer’s mobile phone.
Credit Card on UPI: Enable easy access to credit with just the customer’s UPI PIN \[Available for RuPay credit cards only\].
[Learn More](https://www.cashfree.com/upi-payment-gateway/)
Cards
Your browser does not support the video tag.
## Cards
Cater to a billion Indians with our robust cards stack. Increase sales of premium goods and high-priced items.
Enjoy 10% reduced failures on saved cards with CVV-Free flow.
Leverage Token Vault, India’s first interoperable card tokenization solution with 16Mn+ saved cards.
Pre-auth: Use Pre-Auth to save costs on order cancellations and provide an instant refunds experience.
BNPL Suite
Your browser does not support the video tag.
## BNPL Suite
Increase affordability of your products and enjoy higher average order value by up to 40% on every customer order with India's widest Buy Now Pay Later Suite.
35+ Debit Card EMI, Credit EMI, Cardless EMI & Pay Later partners
NEW
BNPL Plus
Turn every visitor into a paying customer by displaying flexible payment options right upfront on your product page.
[Check it out](https://www.cashfree.com/bnpl-plus/)
[Learn More](https://www.cashfree.com/bnpl-plus/)
Global Collections
Your browser does not support the video tag.
## Global Collections
Expand your business globally and accept payment from international customers without any tech effort.
30+ international currencies supported
Card 3DS 2.0 secure international payments
INR settlements within 2 days
Introducing
Paypal Express Checkout
100+ currencies across 200+ regions
[Learn More](https://www.cashfree.com/international-payments/international-wire-transfer/)
Enterprise features
## Built for scale. Built for enterprises.
Maximum uptimeHighly secureSmart routerRobust integrations
### Maximum uptime
You focus on acquiring your next million users. Cashfree Payment Gateway helps you operate smoothly at scale.
99.9% average uptime.
1,00,000+ transactions per minute.
20mn+ API requests processed every day.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=PG%20Page&action=Contact%20Sales&button-id=ContactSales_MaximumUptime)
### Highly secure
Across websites, mobile apps, payment modes and any region in the world, your customer’s payments and your business is safe with Cashfree Payment Gateway
India’s first fully-licensed PA-PG provider.
Bank Grade data security - PCI DSS 3.2 Level 1 (highest level).
Fully compliant interoperable card tokenisation service.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=PG%20Page&action=Contact%20Sales&button-id=ContactSales_HighlySecure)
### Smart router
Leave payment failures due to downtimes behind with dynamic AI/ML-based routing between providers for high success rates and lower transaction costs.
[Get in touch](https://www.cashfree.com/contact-sales?source-action=PG%20Page&action=Contact%20Sales&button-id=ContactSales_SmartRouter)
### Robust integrations
Free up your developer bandwidth and go live with minimal integration effort with our Next-gen APIs. Build custom checkout flows and make payments more seamless on your website and mobile app. Get notified about payments, refunds and settlements in real-time with webhooks.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=PG%20Page&action=Contact%20Sales&button-id=ContactSales_RobustIntegrations) [Dev docs](https://docs.cashfree.com/)
UNLOCK GROWTH
## Payment solutions
that unlock growth for startups and SMEs
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=PG%20Page&action=Sign%20Up&button-id=StartNow_UnlockGrowth)
### No code payment collection
No website? No problem. Reach your customers where they are: Whatsapp, Instagram or Facebook, with no-code payment solutions.
Payment Links
Payment Forms
Payment Buttons
### Instant Settlements
Don’t let weekends and bank holidays disrupt your cash flow. Receive your payment gateway settlements within minutes, 24\*7 and never run out of funds to meet your business needs.
[Learn more](https://www.cashfree.com/instant-settlements/)
### Flash UPI
Convert more customers with the fastest ever payments experience. Completely in-app, native shopping experience with 10% higher success rate on UPI.
[Learn more](https://www.cashfree.com/flash-upi/)
### Offer Engine
Achieve 30% higher conversions by promoting attractive offers, discounts and no cost EMI options across any payment method with zero tech efforts.
[Learn more](https://www.cashfree.com/blog/offer-engine-on-cashfree-checkout-flow/)
## Ready-to-use plug-ins
[\\
Shopify](https://docs.cashfree.com/docs/shopify) [\\
WooCommerce](https://docs.cashfree.com/docs/woocommerce) [\\
Magento](https://docs.cashfree.com/docs/magento) [\\
PrestaShop](https://docs.cashfree.com/docs/prestashop) [\\
Wordpress](https://docs.cashfree.com/docs/wordpress) [\\
CS Cart](https://docs.cashfree.com/docs/cs-cart) [\\
Zoho Books](https://docs.cashfree.com/docs/zoho) [Many More](https://docs.cashfree.com/docs)
[View Developer Documentation](https://docs.cashfree.com/)
All-in-one dashboard
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=PG%20Page&action=Sign%20Up&button-id=StartNow_AllInOneDashboard) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=PG%20Page&action=Contact%20Sales&button-id=ContactSales_AllInOneDashboard)
### Real-time reports
Cashfree’s centralised dashboard helps you look into the history of each transaction - order created, payment status, refund, etc. Create and automate custom reports to simplify accounting and financial operations for your business.
### Settlement reconciliation
Stay on top of your business with complete visibility into your settlements. Review the breakup of your transactions, reversals, refunds, disputes, and vendor commissions.
### Smarter way to manage disputes
Managing order related disputes is no more a challenge! Track all of your disputes in one place.
Get alerts for disputes that require immediate attention or are due soon. Resolve disputes efficiently and increase your customer satisfaction.
### Track business from anywhere
With Cashfree’s Merchant App for Android and iOS, you are never away from managing your business.
Here’s why businesses in India love
Cashfree Payment Gateway
[Read More](https://www.cashfree.com/case-study/zepto-delivers-10-min-groceries-with-a-seamless-payment-collection-solution-by-cashfree-payments/)
Zepto delivers 10 min groceries with a seamless payment collection solution by Cashfree Payments.
[Read More](https://www.cashfree.com/case-study/dunzo-enhances-customer-experience-with-instant-cod-order-refunds-and-fast-checkout-process/)
Dunzo enhances customer experience with fast checkout process.
Watch Video
Dukaan achives 15% higher success rate by switching to Cashfree Payments.
[Read More](https://www.cashfree.com/case-study/ixigo-provides-a-hassle-free-booking-experience-and-instant-refunds-to-train-travellers-with-pre-authorization-by-cashfree-payments/)
Ixigo provides a hassle-free booking and instant refunds to travellers with Pre-authorization by Cashfree Payments.
Watch Video
Akudo achieves 98%+ success rate with Cashfree Payment Gateway.
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Lowest Pricing
## Lowest payment gateway charges in India
Accept online payments in Indian Rupees (INR) and other 100+ foreign currencies with minimal integration effort and go live in no time.
- No setup, maintenance or any other hidden fees
- Pay only for actual transactions
- Real-time transaction fees reporting
- Paperless and same day onboarding
[Check Pricing](https://www.cashfree.com/payment-gateway-charges/)
Faster settlements
Once your account is activated, you can monitor the status of all transactions and settlements. We also offer 15 minutes payment gateway settlements on request.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is a payment gateway?
A payment gateway is a technology-driven digital platform which enables online businesses to collect digital payments from their end customers. When customers trigger a checkout on the website or application of an online business, their payment information is collected and passed through a payment gateway for authorization and processing.
### What payment modes are supported by Cashfree?
Cashfree Payments supports the widest range of payment modes with a single integration. We support over 180+ payment modes such as Credit and Debit Card (Visa, Mastercard, Rupay, AMEX, Diners), Net Banking of more than 65 banks, Paytm and other wallets, UPI via BHIM UPI, Google Pay, PhonePe, EMI options, buy now paylater and so on.
**Cards:** All major card networks namely RuPay, VISA, MasterCard, Amex, DinersClub and Maestro.
**Net Banking:** Integrations with 90+ public and private banks in India.
**UPI:** 20+ UPI apps including PhonePe, Paytm, Google Pay, BHIM and Amazon Pay.
**BNPL:** 35+ Card and Cardless EMI providers and Pay Later partners Wallet: 9 Digital and Mobile Wallets including Paytm, Amazon Pay, Freecharge and MobiKwik For the complete list you can refer here:
[https://docs.cashfree.com/docs/payment-methods](https://docs.cashfree.com/docs/payment-methods)
### What are the types of integrations and platforms that Cashfree Payments supports?
Cashfree Payments supports a wide variety of integrations that enable different types of businesses leveraging different platforms to accept payments seamlessly. We support easy web and mobile integrations via RESTful APIs and mobile SDKs (Android, iOS, React Native, Flutter, Cordova, Xamarin, and Capacitor).
We also support integrations on businesses leveraging website platforms and partners via plugins such as Shopify, WooCommerce, Magento, PrestaShop, WHMCS, CS Cart, OpenCart, Wordpress, Zoho Books, and Wix.
### How can I set up Cashfree's Payment Gateway for my website?
Cashfree Payments, as an online payment gateway, offers a wide range of web integrations. You can choose easy-to-integrate Cashfree Payments hosted checkout form or go for customised checkout experience integrations like Seamless Basic or Seamless Pro as per your business need. You can integrate our Payment Gateway for website in any of the languages - PHP, Laravel, Java, Python or C++. Check our quick and easy quiz to determine which kind of integration is best for you here [https://docs.cashfree.com/docs/discover](https://docs.cashfree.com/docs/discover)
### I sell products to both Indian and International customers. Is Cashfree the right PG for me?
Cashfree Payments is the right payment gateway for businesses looking to take their brand global and collect payments from domestic and international customers. We support accepting payments from international customers via their credit and debit cards (Visa, Mastercard, American Express, Diner’s Club), or via PayPal. We are also working to add additional alternate payment methods so that your global customers can see payment modes that are local and familiar to them. Our checkout flow will also ensure that your international customers can see the prices of your products and services in the currency of their country, making the experience easier and better for them.
### What are the payment gateway charges?
Our charges for payments processing are simple and user-friendly - 1.95% for all card, UPI, netbanking, and digital wallet transactions. For some payment modes (EMIs, Pay Later, and international cards), the charges differ. You can review the pricing for our payments services on our [Pricing Page](https://www.cashfree.com/payment-gateway-charges/).
### Can I sign up as an individual?
Yes, you can sign up as an individual for a payment gateway. Please share your personal address proof instead of the business registration details. Here is the list of documents required for setting up your Cashfree PG account -
[https://www.cashfree.com/docs/help/onboarding-related/general-faqs](https://www.cashfree.com/docs/help/onboarding-related/general-faqs#what-are-the-documents-needed-for-activating-my-cashfree-account)
### What features are supported by Cashfree PG?
Cashfree Payments offers best-in-class payment gateway services with industry-highest success rates, a wide variety of payment modes, India's leading BNPL suite, and a cutting-edge checkout solution which makes accepting payments more rewarding for our customer businesses.
In addition to its industry-leading payments processing, Cashfree Payments offers many value-added services designed to help your business harness its potential better. With Instant Settlements, we enable businesses like yours to take complete control of your revenues and unlocks more working capital - get your payments in your account 15 minutes after you receive a customer payments, at the end of the day, or on-demand. Instant refunds allows you to issue refunds to your customers in <1 minute, versus the usual 4-6 working days wait.
Upfront TDR allows businesses like yours to push payment gateway charges to your customers and is useful for some lines of businesses.
### In which programming languages do you have integration kits available?
We have payment gateway integration in PHP, Java, Python, NodeJS, Ruby and.Net.
With our ready-to-use integration kits, you will be able to integrate the best payment gateway in no time. Throughout your integration process our product experts will be available for any assistance you may need.
### Can I do payment integration in Android & iOS apps?
Yes, You can use our library to integrate our Payment Gateway directly into your Android or iOS app using Cashfree Payments SDK. Cashfree Payments SDK has been designed to offload the complexity of handling and integrating payments in your app.
Know more here: [https://docs.cashfree.com/docs/mobile-integration](https://docs.cashfree.com/docs/mobile-integration)
### What is the procedure for PG integration?
We do 100% paperless onboarding for merchants on our Payment Gateway. Following are the steps for integration
1\. Signup on Cashfree Payments
2\. Update your business profile and upload scanned copies of business documents
3\. You can try out the payment gateway yourself. Login and switch to test account. Check integration documentation.
4\. Our Payment expert will call you; share your business requirements and we will help you pick the right set of features.
5\. Once the account is verified, our product team will help you with the integration.
### What are the documents required for setting up an account with Cashfree PG? What is the process like?
Once you sign-up, to activate your payment gateway merchant account, you need to share business details along with scanned copies of the following business documents. Please refer to the [list of documents](https://www.cashfree.com/docs/help/onboarding-related/general-faqs#what-are-the-documents-needed-for-activating-my-cashfree-account) here.
### How many days does the integration take?
It depends on the type of integration you choose. Plugin-based integrations usually take less than 10 minutes to activate once the account has been set up and requires no coding or development effort. For API-based integrations, some development effort is required. An average business integrating with our APIs takes anywhere from 10-20 days.
### How do I add or remove payment methods from checkout?
On the Cashfree Payments dashboard, click on Settings -> Payment Gateway -> Payment methods to see which methods have been enabled for your account and which ones are still available. You can raise a request from that page to activate or deactivate a payment mode, as is required.
### Are there any specific businesses that Cashfree Payments does not support?
As a payments company we strive to cater to all businesses. However, there are some services and goods, for which we don't provide our payment gateway services.
Here is the [list of restricted businesses.](https://www.cashfree.com/docs/help/account/account-activation#are-there-any-specific-businesses-that-are-not-supported-by-cashfree)
### Are NRO and NRE accounts supported?
Cashfree Payments supports NRO accounts of non-resident Indians, for individuals and organisations. We do not support NRE accounts.
### Why choose Cashfree Payments?
Cashfree provides the best-in-class payments experience for businesses and customers. As an online merchant, when you opt for Cashfree you get:
1\. Over 150+ payment modes with both domestic and international payment options.
2\. India's widest BNPL suite with 35+ card and cardless EMIs and Pay Later options.
3\. Industry highest success rates on transactions achieved through dynamic routing, direct bank integrations and payment retries.
4\. Robust UPI payments stack with 8+ direct bank integrations that guarantees faster payments with higher success rates.
5\. The most advanced card payments system with Tokenization, CVV-free payments and 3DS 2.0.
6\. Innovative solutions like BNPL and Offers Widget, Instant Settlements and Easy Split to cater to fast growing business payment needs.
7\. Highly reliable customer support available 24\*7 to quickly resolve your queries.
### What is the settlement cycle like? Is this flexible?
Businesses usually get their revenue deposited in their designated bank accounts in T+2\* working days. What this means is that for a transaction processed on Monday, the settlement amount will reflect in your account on Thursday. However, if you would prefer to receive your payments early, you can explore our Instant Settlements product to control your settlement flow. Get your revenues settled into your account in 15 minutes after receiving the payment, at the end of the working day, or on-demand on the click of a button. To know more, check out our Instant Settlements product. [https://www.cashfree.com/instant-settlements/](https://www.cashfree.com/instant-settlements/)
### What is a PCI-DSS? Do I need it?
PCI-DSS is a globally recognised security standard and protocol, and businesses with a PCI-DSS certificate have the ability to securely store card information. Cashfree Payments has a PCI-DSS Level 1 certification, which recognizes that our technology meets the highest level of safety and security in managing protected payment information. You need a PCI-DSS certificate to accept card payments only when you are operating your own checkout and using Payment 's hosted checkout options, our PCI-DSS certificate will cover you and you will not need the certificate to accept payments via credit and debit cards.
### Do you support card tokenisation?
Yes. We've our own RBI compliant card tokenization solution called Token Vault. Token Vault is India's first interoperable card tokenization solution that helps you process your customer's saved card payments across mutliple card networks and payment gateways. Know more about Token Vault. [https://www.cashfree.com/card-tokenization/](https://www.cashfree.com/card-tokenization/) .
### Do you support instant refunds?
Yes. To help merchants like you delight their customers with instant refund processing on their orders, we do provide the most advanced Instant Refunds offering. Learn more about it here: [https://www.cashfree.com/instant-refunds/](https://www.cashfree.com/instant-refunds/)
We also support stand refunds that take 4-5 working days to reach your customer's account.
### What is the success rate of Cashfree Payment Gateway?
Cashfree Payment Gateway offers industry-leading success rates across payment modes. We're able to deliver higher success rates than other payment gateway providers through direct bank integration, dynamic routing with AI/ML modelling, auto retry, CVV-less payment flow and Flash UPI offering.
### Does Cashfree Payments Gateway have a transaction limit?
Cashfree Payment Gateway has industry-leading infrastructure that supports a very high rate of transactions per second. We are proud to partner with some of India's biggest businesses, and are able to support them seamlessly without hitting our transaction limit. For example, we were able to support a huge spike in payments during shopping festivals and occasions, which is 5x-8x higher than the usual traffic without any additional effort.
### Do I need a website / app to accept payments?
No, you do not need a website or app to accept payments. Cashfree Payments has two no-code solutions for entities that want to accept payments without a website or application - [Payment Links](https://www.cashfree.com/payment-links/) and [Payment Forms](https://www.cashfree.com/payment-forms/).
### I am evaluating different PGs and have some questions. How can I get in touch?
Thank you for considering us as your payments partner! You can reach out to us here to set up a call with our sales representatives.
[https://www.cashfree.com/contact-sales/](https://www.cashfree.com/contact-sales/)
### I'm having some issue with my existing PG account. How do I get in touch?
We're sorry to hear that you're having some trouble. Please reach out to us [here](https://www.cashfree.com/contact-us/) to get support. You can also raise a ticket from your Cashfree Payments dashboard via the Help Center or by dropping an email to your account manager or [care@cashfree.com](mailto:care@cashfree.com)
### Why is Cashfree Payment Gateway the most secure?
Cashfree Payments is highly secure, with PCI-DSS, ISO/IEC 27001:2013 certifications and an in-house card tokenization solution, to always safeguard your payments. We have also received in-principle approval as a payment aggregator from the RBI, and have recently upgraded our systems to be compliant with the latest security protocols, including 3DS 2.0.
### Do you have a mobile app for businesses?
Yes, we have a mobile application for our partner businesses to access their dashboard and manage their payments via their smartphones. You can access our mobile application [here.](https://play.google.com/store/search?q=Cashfree&c=apps&hl=en-IN).
### Do you support multi-user logins and accounts?
Yes, we support multi-user logins via account aliases. Once your Cashfree Payments account has been set up, you can enable access for other members of your team by providing them access to your account. You can find out more [here.](https://docs.cashfree.com/docs/manage-account#new-alias-and-assign-permissions).
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Explore other Cashfree Payments products
### Payment Links
No-code payment links to collect payments over WhatsApp, SMS, Facebook, Twitter and other channels
[Learn more](https://www.cashfree.com/payment-links/)
### Subscriptions
Accept recurring payments by auto-debiting customers’ accounts via standing instructions on card, e-mandate via net banking option or UPI AutoPay.
[Learn more](https://www.cashfree.com/recurring-payment/)
### Easy Split
Split vendor commissions and manage marketplace settlements
[Learn more](https://www.cashfree.com/easy-split/split-payment-gateway/)
### AutoCollect
Collect and reconcile IMPS/NEFT/UPI payments using unique virtual accounts and UPI IDs.
[Learn more](https://www.cashfree.com/virtual-payment-address/)
\\* Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.
[iframe]()
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=PG%20Page&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092993037&cv=11&fst=1744092993037&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-gateway-india%2F&hn=www.googleadservices.com&frm=0&tiba=Best%20Payment%20Gateway%20in%20India%20-%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1133792216.1744092993&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092993095&cv=11&fst=1744092993095&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-gateway-india%2F&hn=www.googleadservices.com&frm=0&tiba=Best%20Payment%20Gateway%20in%20India%20-%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1133792216.1744092993&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092993086&cv=11&fst=1744092993086&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-gateway-india%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Best%20Payment%20Gateway%20in%20India%20-%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1133792216.1744092993&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1413787258.1744092993>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102509682~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=781330353)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Credit Card EMI Solutions
# Credit card EMI
## Enable credit card EMI on your checkout and achieve 40% higher AOV
Reach 90mn+ customers across 15+ leading banks by offering emi on credit cards. Make high ticket items more affordable on your store and increase checkout conversions by upto 30%.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Credit%20Card%20EMI&action=Sign%20Up&button-id=StartNow_Hero) Contact Sales
India’s widest credit card EMI stack
Get access to leading banks and card networks with Cashfree Payments. Convert customers both in India and across the world with a delightful checkout experience. Cashfree’s credit card EMI helps increase conversions for brands across various industries.
## Convert premium customers by offering payment flexibility
Increase sales of high value goodsReduce cart abandonmentSustain demand all year roundBuild loyalty and repeat business
Increase sales of high value goods
Average monthly customer spend on credit cards is ₹16,000+. Tap into the customer’s increased propensity to shop by offering credit card EMI and get expensive items to fly off the shelf easily.
Reduce cart abandonment
Customers abandon their shopping carts if they find the price of their desired products too high. Bring down the cart abandonment rates by allowing customers to pay in smaller, flexible installments with credit card EMI option.
Sustain demand all year round
No more month-end blues or the need to wait for end of season sales to clear out your inventory. By enabling zero upfront payment through credit card EMI, you can give your customers the freedom to shop all year round, without any budget constraints.
Build loyalty and repeat business
Offering flexibility in payment through EMI on credit cards creates a happy shopping experience and encourages customers to return to your online store for future purchases.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is EMI on Credit cards?
Credit card EMI is a payment option that allows customers to convert their purchases into easy monthly installments using their credit cards, without the need to pay the order value upfront.
### How does credit card EMI benefit my customers?
EMI on credit cards enables customers to make purchases without worrying about the immediate full downpayment for their purchase or order value. Your customers no longer have to wait for the salary day and postpone their shopping plans. With zero downpayment, credit card emi option makes it easier for them to afford higher-priced products and increases their purchasing power.
### How is credit card EMI different from debit card EMI?
EMI on credit cards is approved based on the customer’s available credit limit, while debit card EMI utilizes the funds from the customer’s bank account. Most bank credit cards do not require the customer to have a savings account or a debit card with the respective bank. The EMI eligibility and limit is pre-approved, providing end customers with flexibility in choosing the most suitable EMI option for their needs.
### What is the difference between credit card EMI and cardless EMI?
Credit card EMI require the customer to own a physical credit card issued by the bank or the card network. Whereas, cardless EMI is a fully digital credit enablement method and the EMI is processed based on the customer's phone number and other KYC details.
### Can my customers avail credit card EMI across all banks?
Credit card EMI is available through partnerships with multiple banks. Currently we are live with 15+ leading banks such as SBI, HDFC, ICICI, Bank of Baroda, Axis, Kotak and many more. We will continue to expand our network of partner banks to provide broader coverage. As an online business, you can offer SBI Credit Card EMI. HDFC Credit Card EMI, ICICI Credit Card EMI, Bank of Baroda Credit Card EMI and other available partner bank credit card EMIs on your checkout. Your customers can avail these options based on their credit card EMI eligibility.
### If a customer chooses credit card EMI on checkout, will I get the full order value upfront?
Yes, as a merchant you will receive the entire order amount upfront even if the customer chooses the EMI option on their credit card.
### Who will take the responsibility when a customer defaults the EMI payment?
The issuing bank takes the responsibility for EMI payment defaulting. As a business you are safe from payment defaults as the order amount is fully settled to your account right upfront.
### What is the maximum credit limit on credit card EMI that my customers can avail?
The maximum credit limit on a credit card is completely based on the customer’s credit profile and is decided by the issuing bank or card network.
### Are there any additional charges or interest rates associated with credit card EMI?
Depending on the card issuing bank and the specific EMI offer, there may be nominal processing fees or interest charges levied from the customer using the credit card EMI option. However, we strive to provide attractive and competitive rates to benefit both customers and businesses.
### What is a no-cost EMI on a credit card?
Typically, credit card EMIs are accompanied by processing fees and interest charges. However, in the case of no-cost EMI on credit card, the end customers only pay the total amount of the purchase. There will not be any interest rate added to the EMI payments.
### How can I configure a no-cost EMI offer on my checkout powered by Cashfree Payment Gateway?
Creating and configuring a no cost EMI on credit cards on Cashfree Payment Gateway checkout is very easy. Just follow the steps below:
\- Go to Payment Gateway Dashboard > Offers > Create No Cost EMI.
\- Enter offer details: Title, offer code, and description.
\- Specify start and end timeline. Choose "Starts Immediately" for instant activation.
\- Add terms and conditions. Provide a short description or link to your business's terms and conditions.
\- Select EMI Type (Credit card) and Issuer (bank).
\- Choose EMI tenures to offer and view corresponding interest charges.
\- Set Max Transactions Limit to restrict the number of transactions for the offer.
\- Click Create to save the No Cost EMI offer.
\- View the created offer in the Offers section of your dashboard.
\- Offers will be displayed during checkout.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Credit%20Card%20EMI&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092992701&cv=11&fst=1744092992701&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcredit-card-emi%2F&hn=www.googleadservices.com&frm=0&tiba=Credit%20Card%20EMI%3A%20Increase%20sales%20of%20premium%20goods&npa=0&pscdl=noapi&auid=1893383822.1744092992&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092992843&cv=11&fst=1744092992843&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcredit-card-emi%2F&hn=www.googleadservices.com&frm=0&tiba=Credit%20Card%20EMI%3A%20Increase%20sales%20of%20premium%20goods&npa=0&pscdl=noapi&auid=1893383822.1744092992&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092992833&cv=11&fst=1744092992833&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fcredit-card-emi%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Credit%20Card%20EMI%3A%20Increase%20sales%20of%20premium%20goods&npa=0&pscdl=noapi&auid=1893383822.1744092992&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=1146527973.1744092993>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=1409985525)
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## UPI QR Code Solutions
# UPI QR Code
## Generate Unique UPI QR Code
for all your Branches
Generate unique printable QR codes for each branch or franchisee, collect UPI payments via any UPI app and match all payments with your business entity.
Zero transaction
cost
30 minutes
settlements
Split settlements
with multiple parties
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=upi%20qr%20code&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=upi%20qr%20code&action=Contact%20Sales&button-id=ContactSales_Hero)
UPI QR Code
[Who can use](https://www.cashfree.com/upi-qr-code/#Who-can-use)
What is a UPI QR Code?
A UPI QR code (Quick Response Code) is a machine-scannable code generated using NPCI's UPI infrastructure used for storing merchant's bank information. Users can scan code using any UPI app to make a payment.
## UPI QR Code for businesses
- ## Generate QR codes
in seconds
- Print and display anywhere
- Pay **zero** transaction cost
- Stay compliant with government regulations
USERS
Who can use UPI QR Code?
Businesses with franchise model or having multiple branches or departments can generate unique UPI QR codes for each unit to collect UPI payments and match payments with individual units.
**Multi - chain businesses** like restaurants, travel agencies, jewelery showrooms, theaters, retail stores, pharmacies etc.
**Multi - department institutions** like hospitals, schools, universities and service centers like auto-mobile centers etc.
Benefits
Built for growing businesses
Use Powerful APIs
- Generate any number of unique UPI QR Codes in seconds
- Get notified on successful payment via webhook notifications instantly
- You can also generate custom reports for each UPI VPA ( branch / department / franchisee) using API calls
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=upi%20qr%20code&action=Sign%20Up&button-id=StartNow_UsePowerfulAPI) [View API documentation](https://docs.cashfree.com/reference/postman-collection)
Centralised control with Dashboard
Stay on top of your daily, weekly and monthly sales of each business unit with easy to read graphs and downloadable reports
- Dive deep into history of each transaction - business unit's UPI ID, transaction ID, date, amount and payment status
- Stay on top of your daily, weekly and monthly sales with easy to read graphs and downloadable custom reports
- Track payment settlements in real-time
- Define split percentage for share between branch / franchisee / department and headquarter and make payouts
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=upi%20qr%20code&action=Sign%20Up&button-id=StartNow_CentralisedControlDashboard)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is UPI QR Code?
A UPI QR code (Quick Response Code) is a machine-scannable code generated using NPCI's UPI infrastructure used for storing merchant's bank information. Users can scan code using any UPI app to make a payment. It is a touch free way to collect payments.
### What is the difference between static and dynamic QR Codes?
Static QR code is an open QR. It can accept multiple payments and does not have any fixed amount assigned. The customer needs to enter the amount during payment. The Static QR Code can accept any amount. Cashfree Payments UPI QR Codes are static printable QR codes.
In the case of dynamic QR codes, for each transaction a unique QR code is generated with pre-defined payment amount. When the customer scans the UPI QR Code, the amount gets auto-filled. It is generated for a specific amount and expires once the payment has been made or if payment is not made within predefined time period. If you want to create dynamic QR code for each order you can use Desktop QR Code checkout using [Cashfree Payment Gateway](https://www.cashfree.com/payment-gateway-india/).
### How do I create a UPI QR Code?
- Signup on Cashfree Payments
- Upload [documents](https://www.cashfree.com/docs/help/onboarding-related/general-faqs#what-are-the-documents-needed-for-activating-my-cashfree-account) to activate Auto Collect account
- Generate multiple UPI VPAs using Dashboard or API, once VPAs are created, generate UPI QR code via API
- Download from Dashboard and print UPI QR code and collect payment
### Which types of businesses use UPI printed QR Codes?
Businesses having an offline presence with multiple branches or franchisees that collect in-store or in-person collections use UPI QR codes.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Auto Collect
Accept payments directly in your bank account via UPI, NEFT, IMPS and RTGS. Match each payment to a customer or an order and reconcile automatically.
[Learn More](https://www.cashfree.com/virtual-payment-address/)
### softPOS
Generate UPI QR code on the phone, or let customers Tap & Pay using a card. Create Payment links, share over WhatsApp or SMS, and get paid instantly.
[Learn More](https://www.cashfree.com/soft-pos/)
### Payment Gateway
Collect payments on your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Payouts
Send money to any bank account, UPI ID, card or wallet. Pay vendors, do customer refunds, disburse loans, etc instantly 24x7, even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=upi%20qr%20code&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092994692&cv=11&fst=1744092994692&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509682~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fupi-qr-code%2F&hn=www.googleadservices.com&frm=0&tiba=UPI%20QR%20Code%20-%20Create%20Unique%20QR%20Codes%20for%20all%20your%20Business%20Units&npa=0&pscdl=noapi&auid=2013609636.1744092994&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092994835&cv=11&fst=1744092994835&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509682~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fupi-qr-code%2F&hn=www.googleadservices.com&frm=0&tiba=UPI%20QR%20Code%20-%20Create%20Unique%20QR%20Codes%20for%20all%20your%20Business%20Units&npa=0&pscdl=noapi&auid=2013609636.1744092994&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744092994809&cv=11&fst=1744092994809&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509682~102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fupi-qr-code%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=UPI%20QR%20Code%20-%20Create%20Unique%20QR%20Codes%20for%20all%20your%20Business%20Units&npa=0&pscdl=noapi&auid=2013609636.1744092994&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=105448846.1744092995>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102509683~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&z=1560676420)
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## Name Match API
# Name Match API
## Name Match API for Bharat, now FREE forever
Compare names for KYC onboarding or disbursals and get a matching score that accounts for name initials, phonetics, abbreviations, and regional name variations in the Indian context.
[Unlock FREE Access](https://merchant.cashfree.com/merchants/signup?source-action=Name%20Match%20API&action=Sign%20Up&button-id=StartNow_Hero) Contact Sales
## Try our free Name-Match tool
Name one
Name two
By continuing, you agree to our [Terms & Conditions](https://www.cashfree.com/tnc/free-tools)
Verify
## Instant Name Match Score
Retrieve a score by matching an input name by the user to the name of the person in official ID.
[Unlock FREE Access](https://merchant.cashfree.com/merchants/signup?source-action=Name%20Match%20API&action=Sign%20Up&button-id=StartNow_Hero)
### Verify via API and Dashboard
Integrate our API on your platform seamlessly, or verify directly from the dashboard as you go.
### Contextual name checks
Check matching score for abbreviations, middle names or spelling differences especially in Indian context.
### Instant Check
Validate details in real-time and automate your workflows. No manual intervention is required.
## Score Categories based on Match Score from Name Match API
[Unlock FREE Access](https://merchant.cashfree.com/merchants/signup?source-action=Name%20Match%20API)
## No Match
When the name match score is as low as 0% - 33%
## Partial Match
When the name match score is between 34% to 99%, further sub-categorized into Good, Moderate or Poor Partial Match
## Direct Match
When the name match score is 100%, denoting exact match
Name Match API
Name Match is a need across all industries
[Unlock FREE Access](https://merchant.cashfree.com/merchants/signup?source-action=Name%20Match%20API&action=Sign%20Up&button-id=StartNow_Hero)
Recruitment
Verify candidate identities against their provided credentials, ensuring accurate hiring decisions.
Banks and NBFCs
Employ the Name Match API for KYC (Know Your Customer) processes, validating customer names against official records for compliance and security.
Travel and Hospitality
Integrate the Name Match API to ensure traveler’s identities match their booking information, enhancing security and preventing fraud.
Insurance Providers
Employ the Name Match API to validate policyholder identities, preventing fraud and ensuring disbursals of claims to the right person.
API IntegrationIntegrate and go-live within a day
Integrate powerful Name Match Verification API with your product using only a few lines of code and automate the onboarding and fraud monitoring processes. Get started by integration on your platform right away.
- Highly reliable and secure Verification APIs
- Use the official Cashfree Payments libraries for different programming languages to integrate with your product and automate name match verification flow
[View API Documentation](https://www.cashfree.com/docs/api-reference/vrs/v2/name-match/name-match)
```javascript
{
"verification_id": "ABC00123",
"reference_id": 12345,
"name_1": "JOHN DOE",
"name_2": "JOHN DOE",
"status": "SUCCESS",
"score": 1,
"reason": "The given names are identical"
}
```
Explore Cashfree Secure ID for full range of onboarding and fraud monitoring solutions
Sign up and start verifying users with free credits worth Rs. 100
[Start Free Trial](https://merchant.cashfree.com/merchants/signup?source-action=Name%20Match%20API)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is the Name Match API?
The Name Match API is a powerful tool that enables businesses to verify and match individuals' names against official records or databases. It helps ensure accuracy in various processes such as identity verification, KYC (Know Your Customer), and fraud prevention.
### How does the Name Match API work?
The Name Match API works by comparing the names provided by users against a reference database or set of predefined criteria. It uses algorithms and logic to determine the similarity or match between the names, providing a reliable verification mechanism for businesses.
### What are the benefits of using the Name Match API?
By leveraging the Name Match API, businesses can enhance security, reduce fraud, and improve accuracy in various operations. It streamlines processes such as customer onboarding, compliance checks, and data validation, leading to increased efficiency and trust.
### What industries can benefit from the Name Match API?
The Name Match API is versatile and applicable across various industries, including finance, healthcare, e-commerce, travel, and government services. Any business that requires accurate identity verification or name-matching processes can benefit from integrating the API into their systems.
### What is Cashfree Secure ID?
Cashfree Secure ID is a comprehensive onboarding and fraud monitoring platform. It offers solutions like ID verification, AI-driven risk profiling, and fraud prevention to help businesses onboard genuine users while meeting compliance requirements.
Name Match API is one of the 40+ onboarding APIs under Cashfree Secure ID.
### How can businesses benefit from Cashfree Secure ID?
Cashfree Secure ID combines compliance, advanced AI technology, and user-friendly workflows to deliver faster verifications, cut user drop-offs by 50%, reduce operational costs by 75%, and provide a seamless onboarding experience all while staying 100% KYC compliant.
### I want to claim free access to the Name Match API. How does it work?
If you are already a Cashfree Merchant, then head over to the merchant dashboard and select Secure ID. Go to 'Developer' section and claim free access. If you are not an existing Cashfree merchant, start by signing up here : https://merchant.cashfree.com/merchants/signup
Should you need any assistance, just get in touch with your dedicated Account Manager.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other Cashfree Payments products
### Secure ID
Explore our comprehensive verification suite for user and business identity verification.
[Learn More](https://www.cashfree.com/kyc-verification/)
### Payouts
Easiest way to make payouts to any bank account, UPI ID, card, AmazonPay, Paytm or other native wallet 24\*7 instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Payment Gateway
Collect domestic and international payments on your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI e mandate.
[Learn More](https://www.cashfree.com/recurring-payment/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Name%20Match%20API&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Finance Dictionary
[Home](https://vpurshan.wpcomstaging.com/ "Go to Home.") \> [Guides](https://vpurshan.wpcomstaging.com/category/guides/ "Go to the Guides Category archives.") \> 200+ Popular Finance Dictionary Terms in Fintech Industry
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Explore our comprehensive finance dictionary to learn the key terms and definitions used in the financial industry. From banking to investments and insurance, our finance glossary covers it all. Stay informed and up-to-date with the latest financial jargon.
## **Aadhar Verification**
Service offered by payment service providers that allow businesses and governmental organisations to verify the Aadhar identity of their customers, vendors, partners, and so on.
## **Account Aggregator**
An RBI entity and a financial data sharing system that includes various customer account information like bank accounts, insurance accounts, business accounts, etc.
## **Authentication**
The first step in the process of credit card payments is where the card is authenticated with an OTP validation.
## **Authorisation**
The second step in credit card processing is where the transaction is authorised based on balances and risks.
## **Average Order Value**
An E-Commerce metric that helps businesses determine the amount of money spent by an average customer. It can be calculated by dividing the total revenue by the number of customers.
## **Bank Account Verification**
A verification suite feature that allows businesses to verify if a bank account exists.
## **Bank downtime**
A period of time when bank systems are not in working condition leading to transaction failure.
## **Banking As A Service**
Relatively a new term in the fintech space which allows businesses to offer banking services on their own platform without getting a banking license. Through BaaS, businesses can offer customer account creation services, lending services, card issuance systems, and more.
## **BIN**
The abbreviation of the bank identification number is usually the first 6 digits of the card number. It is assigned by the card scheme to all of its member banks, financial Institutions, and processors.
## **Borrower KYC**
The entire process of verifying the identity of the loan borrower by a business.
## **Bulk Payment**
An alternative term for payouts that allows any business, individual, or institution to disburse funds to multiple beneficiaries at the same time.
## **Buy Now Pay Later**
A payment system that allows customers to purchase a product or service and pay for the same in installments without any EMI. It helps in increasing the average order value and revenue for a company.
## **Capture**
The last step in the card transaction process is were the funds are captured or settled into the beneficiary’s account.
## **Card Not Present (Cnp)**
A transaction that is done remotely by the card user. More often than not, it is an online transaction and has a higher merchant discount rate compared to card-present transactions.
## **Credit Card**
Credit cards work on a credit line issued by the bank. There is a limited spend limit and the customer is obliged to repay the spent amount after a predetermined period of time.
## **Debit card**
Customers make purchases out of the available funds in their bank account.
## **Card Present (CP)**
Transactions wherein the cards are present at the point of sale physically.
## **Card Tokenization**
The process of replacing sensitive card information with a random cryptographic string.
## **CVV**
The abbreviated form of Card Verification Value, it is the three or four-digit number at the back of the card which is used for transactions.
## **Cash On Delivery**
When a customer uses cash instead of online payment methods to pay for any goods or delivery services, it is considered a cash-on-delivery transaction.
## **Chargeback**
A chargeback is when a customer or credit card holder raises a dispute for any transaction done with a business. the business can choose to defend the chargeback or the amount is accorded back to the customer.
## **Checkout Page**
Check out page is the webpage(s) that a customer encounters while making a purchase from an online store.
## **Co-Branded Cards**
Another popular use case of Banking as a service that allows businesses to issue co-branded cards to their customers, vendors, partners, or students for loyalty and rewards, payroll, expense management, and more.
## **Co-lending**
When two or more lenders collaborate to extend credit to their target audience
## **Contactless Payments**
Payments that do not require physical contact between the recipient and the customer. Contactless payments have been made possible through fintech revolutions like card swiping, UPI, net banking, and more.
## **Corporate Credit Card**
Credit card issued by companies to specific employees for business-related transactions.
## **Credit Card Processing System**
Step-by-step process of a credit card transaction.
## **Credit Line**
A facility provided by the bank to a customer that allows them to avail credit up to a certain point.
## **Current Account**
A current account usually refers to a business bank account wherein you can deposit or withdraw money without prior notice.
## **Customise Check Out**
It allows businesses to customise their checkout page to look like their website or mobile application.
## **Customizable A** PI
An alternative to custom process actions, customizable API offers a no-code solution to include custom messages.
## Dashboard
Centralised control panel that allows businesses/merchants to have a look at all of that transactions, refunds, settlements, and so on. This service is usually provided by a payment gateway provider.
## Digitizing Business Kyc
Digitizing business KYC refers to the process of making all verification services online this could be done through OCR technology or verifying the information with a government database. Some examples are Aadhar verification, PAN card verification, etc.
## Disbursal
Disbursal is another term for bulk payments or payouts. Any business or organisation needs to do disbursals on a regular basis in terms of employee salaries, customer refunds, partner commissions, etc.
## Dynamic Routing
Smart transaction routing among multiple banks leads to a higher transaction success rate.
## E Mandate
The underlying infrastructure created by RBI and NPCI makes recurring billing possible for businesses.
## E-Rupi
A leakage-free voucher system created by RBI and NPCI that enables direct benefit transfers. For instance, the e-Rupi can be used to disburse pensions to retired individuals.
## Easy Split
A marketplace settlement solution offered by Cashfree Payments that allows businesses to disburse commissions to their partners and vendors in a hassle-free manner.
## E-KYC
Another term for online KYC ( know your customer). It helps verify the identity of individuals and businesses.
## ePOS
Electronic point of sale that allows businesses to accept customer payments through virtual mediums using new-age digital payment methods like cards, UPI, QR scans, payment links, and more.
## Escrow Account
An escrow account is an intermediary account or safe house for funds and assets when the transaction is still ongoing. NBFCs , fintech, and other lending service providers can use escrow accounts to pool funds before disbursing to customers.
## Expense Management
Expense Management is the process of receiving, verifying approving, and then disbursing funds for business-related employee expenses.
## FIRC
FIRC is the abbreviated form of a foreign inward remittance certificate. It basically acts as proof for any foreign Currency received by an individual or business in India.
## Flexible Repayment
Flexible repayment is usually associated with BNPL. It allows businesses to offer flexible repayment options to the customer for any product or service.
## Global Payouts
A global payout system allows businesses to disburse funds in another country whether it be to employees, freelancers or service providers, etc
## Gross Transaction Value
Gross transaction value or gross Merchandise value is the total value of the transactions processed.
## GST IN Verification
Another feature under the verification suite that allows businesses to verify the GST Details for quick KYC and onboarding.
## Hosted Payment Gateway
The payment gateway page allows businesses to redirect the customer to the payment service provider’s site while making a transaction. Once the transaction is successfully and securely completed, the customer is redirected to the merchant’s website.
## Identity Verification
Identify verification is the process of cross-checking the identity of an individual or a business entity.
## IMPS
Immediate Payment Services (IMPS) allows any individual to do bank-to-bank transfers in real time.
## NEFT
National Electronic Fund Transfer (NEFT) is an interbank transfer service managed by RBI and works in 30-minute batches.
## RTGS
Real Time Gross Settlement (RTGS) is an interbank transfer service that allows for transferS above 2 lakhs.
## Income Tax Act 1961
Government regulation imposes a penalty of 10000 Rupees if anyone has given an incorrect PAN number. Pan verification allows businesses to avoid such penalties.
## Instant Refund
Instant refund is a service offered by payment service providers that allow businesses to disburse refunds in real-time in case the order is canceled by the customer. Businesses can choose to do partial or full refunds.
## Instant Settlement
Another service is offered by payment service providers wherein merchants can get access to their customer payments and settle it into their business accounts within 15 minutes. This allows businesses to eliminate any cash flow uncertainty and reduce the stress on working capital.
## Integration of Payment Gateway
The plugging of the payment gateway to the business’s website or ERP. Most payment gateways offer plugins for the most popular payment platforms. Apart from that, they offer detailed integration guides for major computer languages such as PHP, Python, Ruby, C#, etc.
## Integrated Payment System
Software that integrates with your ERP and allows businesses to accept payment and seamlessly reconcile payments.
## Intelligent Reporting
Payment gateways with intelligent reporting allow businesses to view and download monthly reports or generate custom reports including details like payment settlements, refunds, and reconciliation details.
## International Payments
Some payment gateways allow businesses to accept international payments in addition to accepting payments in domestic currency.
## Interoperable Card Tokenization System
This allows businesses to process card payments across multiple payment gateways or card networks.
## Invoice Discounting
Invoice Discounting is the process where a business sells the invoice to a third party in order to get access to the funds in real-time. The third party is usually a financing company that takes on the responsibility of collecting the payment from the buyer.
## Inward Remittance
Inward Remittances are transactions that are made from overseas to domestic banks. Inward remittance must have a foreign inward remittance certificate issued along with it.
## Lending Service Providers
Service providers are the NBFCs or banks that work in collaboration with regulated entities to carry out some of their banking functions. Lending service providers may take over the task of onboarding the borrower and disbursing funds to them.
## Lending As A Service
A relatively new concept in the financial sector where service providers aid banks to streamline their lending process.
## Liberalized Remittance Scheme
Liberalized remittance scheme is a system by the Indian government that allows individuals to remit funds to another country for investment, expenditure, or academic purposes.
## Loan Repayment
The process of repaying a credit availed by an individual or business with or without interest
## Maker Checker Flow
Allows businesses to assign different rules to different team members and minimise human errors.
## Marketplace
An E-Commerce platform where products and services by multiple sellers are aggregated.
## Merchant
Another term for any business as an entity is used specifically in the payments ecosystem.
## Merchant Category Code (MCC)
A code assigned to any sector or business by a card scheme is known as a merchant category code. The merchant discount rates (MDR) might vary on the basis of the MCC.
## Merchant Discount Rate (MDR)
Merchant Discount Rate is the fee imposed on the merchant by the acquiring bank on every transaction.
## Merchant Fraud
Wrongful activity or criminal deception is done by specific merchants while accepting payments from customers.
## Merchant Identification Number
A number is assigned to every specific business or merchant by the acquiring bank.
## Merchant Service Provider
The merchant service provider allows businesses to accept payment from customers seamlessly. They can help businesses set up merchant accounts, accept payments in various currencies, offer payment safety, and reconcile payments.
## **Multi-user support**
Payment Gateways with multi-user support allow businesses to add multiple team members to define roles and permissions.
## Multiple Payment Gateway
Businesses choose to integrate with multiple payment gateway partners so that they can achieve high transaction success rates and reduce the load of all transactions.
## National Automated Clearing House (NACH)
National Automated Clearing House is a recurring payment platform by NPCI.
## National Payments Corporation Of India
An umbrella organisation that handles most of the payment platforms in India including UPI, FASTag, Bharat Bill Pay, and more
## NBFC
NBFC is the abbreviated version of non-bank financial company. These organisations do not own a banking license, however, they provide banking services.
## Neobank
A neo bank is a new-age bank that operates exclusively online With no physical branches. they usually offer a higher customer experience and technological advancement compared to traditional banks.
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## PPI Interoperability Explained
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In this blog, we will understand the concept of Prepaid Payment Instruments (PPIs) and PPI interoperability. We will also try to understand what it could mean to Indian businesses and masses.
After demonetisation, the prepaid payments instruments (PPI) industry saw some massive growth.
However, there were too many players in the market. Moreover, funds could only be transferred between two wallets of the same issuer. (For instance, Paytm users can only send money to another Paytm wallet, not a Mobikwik wallet)
**This was until PPI interoperability came into the picture, of course.**
But before we dive into that, let’s look at the basics.
## What Are Prepaid Payment Instruments (PPIs)?
As the name suggests, Prepaid Payment Instruments or PPIs are cards or **[digital wallets](https://www.cashfree.com/blog/benefits-of-white-label-digital-wallets-for-d2c-brands/)** that allow users to:
- Purchase goods and services
- Enable remittance facilities
- Conduct financial transactions
- Transfer funds to family and friends
They’re also called **PPI digital wallets or PPI e-wallets**.
These instruments are typically preloaded with funds in order to enable a user to make payment. Paytm, **[PhonePe](https://www.cashfree.com/blog/phonepe-transaction-limit-per-day/)**, Mobikwik, etc. are some popular examples.
The companies offering these wallets as offerings are called **Prepaid Payment Instruments** ( **PPIs) Issuers.** They permit users to add funds to their app wallets and use them for various transactional purposes.
Over the last couple of years, Prepaid Payment Instruments have become quite popular in the Indian market as they’re a convenient alternative to cash transactions.
## What Is PPI Interoperability?
In basic terms, interoperability means enabling products or systems to work together and use each other’s capabilities to strengthen the entire ecosystem.
Interoperability of PPIs works on the same principles.
It gives consumers with full-KYC accounts the ability to use their digital wallet(s) to
- Make a payment at any [**POS (point-of-sale)**](https://www.cashfree.com/blog/epos/) site that has the facility to accept online payments
- Withdraw cash from ATMs and POS terminals
- Transfer money from one wallet to another, irrespective of their nature
This also comes regardless of who issues the payment instrument. **So, a customer could transfer money from a Paytm wallet to a Mobikwik wallet instantly.**
The basic idea behind making PPIs interoperable came after the RBI tested the same mechanics on UPI. One platform to unify different payment modes? It was a [recipe for success](https://www.business-standard.com/article/finance/upi-hits-record-high-in-april-with-5-58-bn-transactions-worth-rs-9-83-trn-122050100480_1.html').
On the hypothesis tested, they’re now confident that by making PPI interoperable in nature, all the respective stakeholder levels including consumers, merchants, banks, and issuers, everyone will enjoy the following benefits.
**All in all, while the term** **PPI interoperability is quite the tongue twister, it will simplify payments just the same**.
## RBI Regulations On **Prepaid Payment Instruments** (PPI) Interoperability
The RBI has been stressing on making PPIs interoperable amongst the issuing and acquiring entities given the,
- Feeble usage of payment instruments such as cards and **[e-wallets](https://www.cashfree.com/blog/types-of-e-wallets/)** by the Indian citizens
- Presence of an inadequate payment acceptance infrastructure in the country
To address these issues and make PPIs an integral part of India’s larger financial services ecosystem, here’s what the RBI’s PPI interoperability mandate states.
- PPIs used for transportation such as metro or other public transport cards, will not come under interoperability
- Entities issuing gift cards, meal cards, and MTS can choose whether or not to make their cards interoperable
- PPI Interoperability will be applicable to only those customers with [complete-KYC](https://www.cashfree.com/blog/all-about-rbis-recent-steps-digitising-business-kyc-updation/) accounts
- Customers with minimum or partial KYC will not be able to take benefits of interoperability
- PPI issuers will have to adhere to all the requirements as stated by the card networks/UPI including
- Type and criteria of membership
- **[Merchant on-boarding](https://www.cashfree.com/blog/what-are-the-kyc-procedures-for-merchant-onboarding/)**
- Adhering to various standards
- Rules and regulations applicable against certain payment systems
- PPI issuers will have to handle all the dispute resolutions and set up customer grievance redressal cells to provide solutions
- Card networks can onboard PPI issuers to join their network
- Non-bank PPI issuers can only participate as members or associate members of authorised card networks
- PPI issuers can facilitate all the basic UPI interoperability features
- PPI issuers will act as Payment System Providers (PSP) in the [**UPI**](https://cashfree.com/blog/upi-integration/) ecosystem. They will be issued a handle by the NPCI in line with its predefined policies/guidelines
- PPI holders can only be onboarded by their own PPI issuer for UPI. PPI issuers as PSPs cannot onboard customers of any bank or other PPI issuer
## What Are The Perks Of PPI Interoperability?
PPI interoperability is expected to be the next game-changer for the payments industry. In fact, it may propel the payment ecosystem to be more innovative and competitive.
The key impact of PPI interoperability on different stakeholders is as follows.
### For Merchants
#### **Accept More Wallet Payments**
At present, mobile wallet service providers need to constantly add more merchants to their network to get more consumers to use their wallets in various instances. With PPI interoperability, all UPI-accepting merchants would be able to accept payments via their wallets. This means,
- More consumer-onboarding
- Enhanced transaction volume
- Higher business revenue
#### **Greater Digital Payment Adoption**
Looking at the current economics, it’s quite evident that the interoperability of PPIs will lead to a greater [**digital payment adoption**](https://www.cashfree.com/blog/offline-digital-payments/) and usage in India. This will also boost the value and utility of the payment instruments among users. Resultantly increasing the merchant’s customer base.
#### **Less Cash Management**
Since all transactions will commence between wallets or wallet-to-bank accounts, the need to manage cash and keeping a track of transactions is significantly reduced.
Small merchants can easily reconcile their accounts using the PPI apps and avoid the need to regularly manage and deposit the collected cash in the bank.
**Related Read: [Reconciling Your Payments as a Merchant](https://cashfree.com/blog/reconciling-your-payment/?utm_source=blog&utm_medium=organic&utm_campaign=ppi_interoperability)**
#### **Effective Substitute To Bank Accounts**
The very nature of PPIs, especially prepaid cards and e-wallets, is quite similar to that of bank accounts. Only that these PPIs are far more effective, cheaper, and a faster substitute for bank accounts.
Merchants can conveniently use these bank-account-like-alternatives to commence many basic business activities. Some of them are as follows.
And the list goes on!
#### **Increased Limit From 1 Lakh to 2 Lakhs**
Many merchants today use wallets to accept payments from customers. However, the earlier wallet limit of INR 1 lakh restricted them from using the wallets to their maximum potential. Moreover, many wallets swept the extra funds into FDs at the payments bank’s end.
Now, the limit has been extended to INR 2 lakhs (for full-KYC PPIs). This not only ensures that merchants can accept more payments from consumers including high-ticket transactions.
#### **No Need For Multiple Wallet Integrations**
With interoperability in the picture now, small merchants (or one-man businesses) don’t need to integrate specific wallets to accept payments. They can now accept payment in any wallet of their choice from any wallet that a consumer uses.
Naturally, it is not feasible for medium or large businesses to accept payments like that.
For starters, they need to accept payments from various payment modes like cards and net banking too. On top of that, they need easy-to-use reconciliation and settlement services.
A [**payment aggregator**](https://cashfree.com/blog/payment-aggregator/?utm_source=blog&utm_medium=organic&utm_campaign=ppi_interoperability) like Cashfree Payments accepts payments from multiple wallets. Cashfree allows merchants to accept payment from 120+ payment options with utmost ease and comfort.
[](https://blogrevamp.cashfree.com/payment-gateway-india/?utm_source=blog&utm_medium=organic&utm_campaign=ppi_interoperability_blog)
The payment gateway also,
- Collects funds from all digital sources on behalf of the merchant
- Sends collated funds into merchant account
- Reconciles accounts and ensures seamless accounting
- Offers additional payment acceptance sources like payment links, forms, QR codes, etc
**Pro Tip: [Sonarqube Unit Test](https://www.cashfree.com/blog/unit-tests-coverage-dashboard/)**
### For Consumers
#### **Highly Consumer-Friendly**
From a consumer’s point of view, PPI interoperability will offer higher payment convenience with less restrictions.
Consumers will have the liberty to easily and swiftly transfer funds across different wallets irrespective of the issuer.
#### **Higher Financial Inclusion And Penetration**
With PPIs becoming interoperable, they’ll be at par with a bank’s savings account. This will, in turn, make PPIs more appealing to the citizens of India and encourage more digital penetration. Looking at the scope this will effectively benefit the unbanked and underbanked section of the population.
To give you an example, with PPI interoperability coming into the picture, consumers will be able to
- Avail small value loans
- Blue-collar workers could receive salaries/wages directly into their PPI wallets
- Do micro-savings and achieve life goals
- make small-ticket size payments, both online and offline
The concept will also help women become more financially independent. They’ll have access to useful and affordable financial products and services that will help them make sound financial investment decisions and make small-ticket purchases without anyone’s help.
#### **Encourage More Innovation**
As the Fintech market innovates and ships new and better prepaid payment instruments in the Indian market, more consumers will benefit in the process.
They’ll have access to more innovative financial products and better means to manage their finances.
**Pro Tip: [What Is softPOS?](https://www.cashfree.com/blog/what-is-softpos/)**
#### **Seek Quick Redressals From Issuers**
With the introduction of PPI interoperability, consumers will now be able to seek redressal against any issues faced directly by the issuer. And, in the same mechanics as defined by the card network(s) or National Payments Corporation of India (NPCI)
The **[RBI mandates this in their recent report](https://www.rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12156)** defining the guidelines that follow PPI Interoperability in India.
#### **Higher Use Cases**
By making prepaid payment instruments interoperable in nature, consumers will have more power to leverage PPIs and enjoy more financial freedom.
### For PPI Issuers
#### **Becoming Quasi-Banks**
With the introduction of PPI interoperability, [**PPI issuers have become quasi banks in terms of payments**.](https://www.pwc.in/industries/financial-services/fintech/payments/ppi-interoperability.html) Meaning, they’ll be able to offer many, if not all, banking services to consumers along with many additional benefits.
#### **Better Access To Payment Infrastructure**
PPI issuers will enjoy better access to the Indian payments infrastructure. Moreover, their dependency on the bank (for many minor and major services, such as access, settlement, etc.) will also reduce significantly.
#### **Additional Sources Of Revenue**
Interoperability brings additional sources of revenue to the plate for PPI issuers.
They can gain significantly in terms of interchange for UPI and prepaid cards, transaction costs, and via other similar methods.
However, they’ll need to infuse additional investment to set up the necessary infrastructure to benefit from these additional revenue sources.
## Challenges PPI Players Need to Watch Out For
While advantages are plenty, many challenges come along the way.
### Provide Satisfying Customer Support
Owing to the RBI guidelines, PPI players will need to build a robust customer support system that entertains even the tiniest of customer complaints.
If not done properly, one bad experience is enough to scare customers off to cash transactions and steer them from coming back.
### Easy Onboarding Processes
Every financial segment today is innovating its onboarding process.
Owing to this, it is extremely necessary that even PPI players build a faster and easier onboarding process.
This will keep potential customers from considering other online financial options, especially opening digital accounts offered by [**neobanks**](https://www.cashfree.com/blog/neobanks-vs-traditional-banks-vs-challenger-banks/).
### Improve And Simplify KYC Processes
Even though the KYC process today has improved manifold, there still exists a huge scope to upgrade and build a much better KYC process. PPI players need to tap into this space and build better and faster KYC solutions.
For instance, provide a quick, two-step online KYC process that helps onboard customers in a matter of seconds.
## Boost To Digital Payments And Greater Financial Inclusion
Here’s how interoperability will transform the overall **[payments ecosystem](https://www.cashfree.com/blog/the-payments-ecosystem-podcast/)** in the coming future, causing the below-mentioned changes, for good.
- Provide easy access to payment instruments such as cards, wallets, and UPI to the unbanked and underbanked population of the country
- Increase financial inclusion and adoption of **[digital payment methods throughout the nation](https://www.cashfree.com/blog/keeping-india-ahead-in-digital-payments/)**
- With NPCI making UPI 2.0 live, peer-to-merchant transactions will significantly increase, even in tier 2 and 3 parts of India
- The entire payments ecosystem will become more competitive, creating a larger playing field for the merchants and PPI players
## Interoperability is the Road To The Future
As cards and wallets become more functional and feature-rich in nature, thanks to the implementation of interoperability in PPIs, it’s only a matter of time to see the PPI industry see a boom in its usage as UPI.
The regulators and stakeholders are confident that this move will build a more secure, reliable, and robust payments system that will not only play a bigger role in the financial services ecosystem and benefit all the players involved.
[](https://cashfree.com/payment-gateway-india/?utm_source=blog&utm_medium=organic&utm_campaign=ppi_interoperability)
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Author [Astha Khandelwal](https://blogrevamp.cashfree.com/author/asthakhandelwal02/ "Posts by Astha Khandelwal")
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## Vendor Payment Solutions
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The Indian vendor payment industry is witnessing a **gigantic transformation**.
Businesses are moving from paper-based invoicing to end-to-end automation of the vendor payment process.
However, a lot of market players are still struggling in this transition. In fact, 33% of SMEs report delayed vendor payment processing.
Knowing this, we couldn’t help but publish a guide on this.
( _Psss.. how about testing your knowledge before moving ahead with the blog!)_
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So, in this post, we will be uncovering the answers to a lot of pressing questions.
Namely:
- How do vendor payments work?
- Who requires vendor payment solutions?
- What are the prevalent issues in vendor payment?
- How to streamline the process with automation?
[](https://cashfree.com/contact-sales?utm_source=blog&utm_medium=organic&utm_campaign=vendor_payment_blog)
Needless to say, we have a long ride _(or read_) ahead of us.
So, here we go!
## Vendor Payment Meaning
_Starting from the basics can never hurt._
So, what is vendor payment?
Vendors are the parties that contribute goods or services to a supply chain. Generally, these “sellers” supply the stock or inventory that is consumed by the end user.
For instance, Amazon is a marketplace that allows numerous vendors to sell their products on its platform.
Now, the vendor payment process is all about **splitting the commissions automatically between different vendors and the marketplace itself.**
The right vendor payment platform will allow you to integrate the payment gateway and **[split payment platform](https://www.cashfree.com/blog/split-payment-platform/)**.
[Contact Us to know Vendor Payment Solutions by Cashfree Payments](https://cashfree.com/contact-sales?utm_source=blog&utm_medium=organic&utm_campaign=vendor_payment_blog)
This way, you can collect customer payments and split vendor commissions simultaneously. It will **adjust and settle these payments** according to your preference as well.
This allows you to:
- Focus on growing your marketplace instead of the vendor payments
- Automate payments and **[payouts](https://www.cashfree.com/blog/what-are-payouts/)**
- Customize commission logic
- Settle payments according to your preference
We will be covering this in detail.
But first, let’s have a look at some examples of entities that need vendor payment solutions.
## Who Requires Vendor Payment Services?
Here’s the short answer: **almost every business**.
But we have a feeling you’re looking for something more detailed.
Well, we came prepared.
Here are _some_ examples of market players that require vendor payment solutions.
It is important to note that this is not an exhaustive list. However, it is enough to cover the major aspects of the question.
### Marketplaces like Amazon
First up, we have the most obvious use case: marketplaces.
As you’d expect, Amazon is a prime example here. [56% of paid units](https://www.statista.com/statistics/259782/third-party-seller-share-of-amazon-platform) on Amazon sold by a third-party seller in the second quarter of 2021.
As a marketplace, Amazon would need to:
1. Split the commission of every sale between vendors
2. Manage customer refunds with vendors
3. Automate the process
4. Have access to an integrated payment system with reporting mechanism
_…and a lot more._
### Over The Top Media Platforms like Netflix
Over-the-top or OTT platforms like Netflix acquire and license content sourced from the original production house.
These licenses are available for a specific period of time and at a fixed fee. Thereafter, Netflix offers unlimited viewing to their end customers.
Now, these production houses can be considered ‘vendors’ in this scenario.
Netflix has to pay a certain sum to the respective production house every time an end-user watches that content. This concept is called **CPV (Clicks Per View).**
In such a scenario, a vendor payment platform can facilitate these recurring payouts.
### Multi-Branch Outlets and Franchises like Pizza Hut
Most franchise businesses require central payment collection.
Hence, their payment solution should be able to:
1. Collect payments from all these branches
2. Distribute the commissions to the vendors automatically
Here, we can take the example of a multi-branch player like Pizza Hut. It needs to route the incoming payments to the respective individual stores.
P.S. Franchises like Pizza Hut also need to pay their delivery partners. This bulk payment is done on the basis of units delivered. Moreover, the partners need to be able to withdraw their earnings at their convenience.
Here a solution like Cashfree Payouts might help.
### Edtech Platforms like BYJU’s
Online edtech platforms like BYJU’s are seeing a cataclysmic user response. Especially since the pandemic.
In fact, in 2020, BYJU’s had a total of [57 million users.](https://www.statista.com/statistics/1235210/india-edtech-market-size-by-segment/) upGrad, on the other hand, Vedantu and Unacademy had around 25 million users each.
Needless to say, the growth of these edtech platforms is directly proportional to vendor satisfaction.
In this case, BYJU’s needs to split the student fees between the instructors and their platform. What’s more, they need to apply the pre-decided commission in each instance.
### Healthtech Businesses like Cure.Fit
Cure.Fit is a fitness and nutrition coaching platform. They offer offline and online fitness services to customers across India.
Now, in their case, a vendor could be:
1. The Yoga, Dance Instructors
2. Nutritionists and healthcare professionals
3. Gym and coaching centres affiliated with them
4. Members associated with cloud kitchen business
A health tech player needs to ensure partner satisfaction with hassle-free payment processing.
We hope that this helped you understand vendor payments.
However, this begs another (equally important) question.
## How Does Vendor Payment Work? : A Step-by-Step Guide
The vendor payment process differs between various payment service providers (PSP).
However, the overall process may go something like this:
1. The customer or user places an order on the platform
2. The business adds a vendor commission on the PSP like [Cashfree Payments](https://cashfree.com/?utm_source=blog&utm_medium=organic&utm_campaign=vendor_payment_blog)
3. The PSP computed the amount to be paid to each vendor
4. Businesses can verify any debits and **[credits on the vendor payment](https://www.cashfree.com/blog/corporate-credit-cards-for-vendor-payments/)** portal
Want to dig in a little deeper?
Well, in that case, vendor payment can be divided into 5 main stages.
1. Adding Vendor to your payment platform
2. Adding vendor commission details
3. Initiating customer refunds with vendors (if applicable)
4. Settling payouts with vendors
5. Verifying transactions through Reports
Now that we have that covered, let’s move on to the detailed step-by-step guide.
### Adding a Vendor on the Payment Platform
The first step in initiating vendor payments is adding vendor details.
Here you have three options:
1. Use [APIs to add vendor details](https://docs.cashfree.com/reference/create-merchant-vendor?utm_source=blog&utm_medium=organic&utm_campaign=vendor_payment_blog) to your Vendor payment system.
2. You can manually add any vendor directly from the dashboard.
3. Either upload a single file that includes all the vendors. Here, you have to follow the format suggested and include the contact and settlement details therein.
Let us take you through the steps of the latter two.
#### Manually Adding Vendors
Here are the steps to add a vendor from the dashboard.
1. Head over to the **[Payment Gateway Dashboard](https://www.cashfree.com/payment-gateway-india/)** and click on Easy Split.
2. Select the Vendor tab and click on Add New Vendor.
3. Input the Vendor ID, Email ID, and Phone Number. The Vendor ID is a unique number assigned to each of your vendors. It helps in identifying and processing payments to the vendor.
4. Next, enter the vendor payment details like Account Number, Account Holder Name and IFSC code. Alternatively, you can add the **[UPI VPA](https://www.cashfree.com/blog/vpa-in-upi/)** of the vendor. This information will help the payment system process payouts directly with that bank account.
5. Thereafter, you have to choose the preferred Settlement Cycle for the vendor.
This will determine when the PSP will disburse the payout to the vendor’s account once the customer funds are captured.
6. Finally, click on Add Vendor. Once the vendor payment details are added, you can choose to edit or delete them.
All the vendors will be visible on the Easy Split – Vendor dashboard.
#### Uploading Vendors in Batches
The next option is to add a large number of vendors altogether.
You can choose to download a sample file to check what details are needed in the batch file.
Thereafter, follow these simple steps:
1. Click on Payment Gateway Dashboard and the on EasySplit – Vendor.
2. Next, click on Upload File and choose your preferred file.
3. In case you need to make changes, you will need to upload the file again. With Cashfree Payments, you can include 50 vendors in a single file.
4. After successful upload, head to the Easy Split – Vendor dashboard. All the vendors’ details will be visible there.
Once you have added the vendors, you can move on to the next step.
### Splitting Payments Between Vendors
Before we understand how to split vendor payments, let’s understand what it means.
Let’s say that a customer orders 3 items from XYZ, an eCommerce marketplace. Now, these items are from 4 different vendors and this is how much their product costs:
1. Seller A Amount- INR 760 (XYZ’s commission amount INR 40)
2. Seller B Amount- INR 380 (XYZ’s commission amount INR. 20)
3. Seller C Amount- INR 380 (XYZ’s commission amount INR 120)
4. On top of that, the delivery service is INR 100.
Now, XYZ needs to split the commissions between these stakeholders. So they can either specify:
- The amount of commission
- The commission percentage
The PSP will transfer the amount to the parties after receiving the customer’s payment of Rs 2000.
Thereafter, the balance amount will be transferred to XYZ after deducting the PSP’s charges.
[](https://cashfree.com/contact-sales?utm_source=blog&utm_medium=organic&utm_campaign=vendor_payment_blog)
Now, what are the steps XYZ can take to initiate split payments?
#### How To Initiate Split Vendor Payment?
Most PSP or payment gateways (PG) have separate integrations that allow the payment split feature.
For instance, Cashfree Payments offers these integration methods that include the payment splits parameter
1. Checkout
2. Seamless Pro
3. [Mobile SDK](https://docs.cashfree.com/docs/create-a-split-payment#integrating-paymentsplits-for-mobile-sdks?utm_source=blog&utm_medium=organic&utm_campaign=vendor_payment_blog)
Once, the PG integration is successful, follow the following steps:
1. Specify the split percentage of value (INR) of the order amount.
With Cashfree Payments, you can disburse the commission through net banking, cards, UPI, and all major wallets.
2. Pass the **[paymentSplits](https://www.cashfree.com/easy-split/split-payment-gateway/)** parameter while submitting the order details
3. Pass the Vendor ID with the split amount/percentage with every order.
Alternatively, you might want to initiate split vendor commissions for Mobile SDKs.
Here, you can send the paymentSplits value as a part of the input parameters while invoking the SDK function.
Well splitting the vendor commission is one thing.
However, _processing vendor refunds is a whole new ball game!_
### Processing Customer Refunds in Vendor Payment
To initiate refunds to your customers, you would need to recover the order amount from vendors.
But what if we tell you that you can initiate customer refunds with one single click?
Let’s build on that.
What if we tell you that the entire process can be automated?
It will make your vendor payments so much easier, right? Well, the good thing is that it’s possible.
With PSPs like Cashfree Payments, you can initiate customer refunds through:
- Dashboard
- APIs
It goes something like this for the former.
#### Using Vendor Payment Portal/ Dashboard For Initiating Refunds
1. Head to the Payment Gateway Dashboard and click on Transactions.
2. Next, click on Payments and select the transaction which you want to refund.
3. Now, have a look at all the details regarding that particular transaction. For instance, details like:
A) Payment particulars
B) Customer order
C) Split amount
D) Vendor ID and name
4. Then, click on Refund.
5. Now, select the Split Refund option.
6. Thereafter, specify the amount that you want to refund from each vendor.
7. Click OK to initiate the refund.
P.S. If you’ve deleted the vendor, you will not be able to debit them for the refund.
#### Using APIs For Initiating Refunds
This manual refund process is user-friendly. However, it is not feasible for bulk refunds. Especially if you are a medium or large enterprise.
Here, using [APIs to initiate refunds](https://docs.cashfree.com/reference/create-refund) can be helpful.
Till now, we have discussed how you can add vendors and initiate payments and refunds.
But how can you keep track of all these transactions?
### Reconciling Your Vendor Payment
Reconciling your payment can be quite a hassle.
However, the right PSP may just make it a walk in the park.
Let’s check how you can keep track of all your vendor details, payments, and refunds.
First and foremost, let’s pick up where we left off.
#### Checking Refund Status and Vendor Split Information
Follow these steps to check your refund status and vendor split information:
1. Head to the Payment Gateway Dashboard
2. Click on the Transaction you want to reconcile.
### Checking Vendor Settlements
As we mentioned before, you can customize the settlement cycle for your vendors. This can be specified while adding the vendors.
To have a look at the settlements from each vendor, follow these steps:
1. Head to the Payment Gateway Dashboard.
2. Click on Settlements and then on Vendor.
3. Click on the download button for the settlement report associated with the vendor. This report will contain all the transactions associated with a settlement including any refunds or adjustments.
Furthermore, you can also use [APIs to view vendor settlements](https://docs.cashfree.com/reference/vendors-all-settlements-1?utm_source=blog&utm_medium=organic&utm_campaign=vendor_payment_blog).
#### Verifying Vendor Summary Report
Now, you may want to download the vendor summary report for a custom date range.
This report will give you access to vendor payment details like total transaction amount, adjustment amount, **[settlement](https://www.cashfree.com/blog/instant-settlements/)** and settled amount.
To download the vendor summary report:
1. Head to the Payment Gateway Dashboard and click on Reports.
2. Select Vendor Settlements.
3. Also, select Vendor Settlement in the Report Type field
4. Specify the date range
5. Click on Generate Report
#### Checking Transaction Summary Report
You may want to check individual transactions during a time period. For this, you can access the Transaction Summary Report.
This report will give you an insight into:
- Transaction amount
- Transaction Status
- Payment method,
- Customer details
- Settlement amount
To generate this report, follow these steps:
1. Click on Payment Gateway Dashboard and head to Reports
2. Select Transactions in the Report Type field
3. Select your preferred date range
4. Click on Generate Report
5. Download the report if needed
This section gave you all the information on how vendor payment works.
Seems like most businesses would want to automate their vendor payments, right?
Well, unfortunately, the reality is quite different.
## Vendor Payment Issues and Automation Solutions
Let us give you some context.
- 36% of invoices received by businesses are paper-based
- 66% of businesses still do manual reconciliation of vendor payments
- 77% of SMEs are dissatisfied with the slow payments of their vendor dues
This begs the question.
What are the other issues by businesses while processing vendor payments? And most importantly, can automation solve it?
Let’s discuss these issues one by one.
### Inaccuracies Due To Manual Vendor Payments
A common myth is that Accounts Payable (AP) is only limited to payment processing.
Honestly? That couldn’t be further from the truth.
The AP team is in charge of:
1. Onboarding the vendors
2. Resolving supplier management issues
3. Payment reconciliation
4. Invoice processing
5. Creating separate payment files for online payments, checks, international wires, etc.
This results in an overworked AP team in the case of most organizations.
Thankfully, vendor payment automation can solve most of these issues.
Vendor payments platforms can **automate vendor onboarding** through:
- Bank account and UPI ID verification
- PAN card verification API
[](https://cashfree.com/contact-sales?utm_source=blog&utm_medium=organic&utm_campaign=vendor_payment_blog)
Moreover, **payments reconciliation and supplier management** become a breeze with:
- User-friendly vendor payment portal
- Easily generated and downloadable reports
Interestingly, automating these processes can actually make the AP team more effective. Moreover, the organization’s need to hire more resources may decrease.
However, there’s a catch. A lot of businesses have **automated account payable processes in silos**.
For instance, they might have automated invoice processing. However, vendor onboarding, verification and reconciliation may still be manual.
Speaking of inefficient processes, let’s have a look at the biggest obstacle to vendor payment automation.
### Dependencies on Paper Invoices
Here are some statistics to start us off:
- 47% of vendors receive late payments for their products or services. _(Deloitte, 2019)_
- 35% of enterprises claim high payment processing costs with traditional payment methods
Now, here is another stat:
- 80% of SME vendor payments are paid by cheque. The same goes for 40% of all B2B payments.
Seeing a pattern between these stats?
Let us lay it out in simple terms.
Manual payment processing is ridden with inaccuracies and poor vendor relationships.
However, vendor payment automation can help drastically.
For starters, it can:
- Facilitate a quicker approval process
- Eradicate manual data entry and routing of invoices
- Provide improved visibility of unpaid liabilities
- Flag out manual errors in computing
- Fastrack the vendor payment process
### Payment Lags Affecting Vendor Loyalties
By now, one thing must have become clear.
An inefficient vendor payment process is bound to hinder vendor loyalty.
Now, even more so. After all, the world is moving towards a freelance and gig economy.
What’s more, 74% of global gig workers would consider leaving a project in case of late payments.
However, automating vendor payments may show the way. Try to choose a PSP that:
- Provides diverse payment modes like UPI, net banking, Cards, wallets, etc.
- Helps avoid late payments
- Customizes your vendor settlement cycle
End-to-end automation helps vendors manage their cash flow. Needless to say, this benefits the vendor and the business in the long term.
If you’ve come this far, it’s only fair to go one step further.
The upcoming section is _pretty much_ a culmination of all we discussed in our guide till now.
Finally, we will be discussing how you can choose a vendor payment system in India.
## Cashfree Payments: Best Vendor Payment System in India
Till now, we have witnessed that most vendor payment processes can be automated.
However, it is equally important to choose the right vendor payment system as well. After all, your vendor payment process is only as good as your system.
Cashfree Payments will provide you with end-to-end automation to simplify your AP processes.
Let’s take a deeper dive into some of the features.
### Simplified Vendor Payment Management
Cashfree Payments will help you provide a seamless experience to your vendors. It provides 100% online onboarding and KYC processes.
As mentioned before, it will also help you determine vendor commissions through the dashboard. You can use APIs to onboard and verify the vendor details as well.
For instance, you can verify their PAN details, bank account, and UPI ID details.
Furthermore, you can customize the settlement cycle to these vendors without hassle.
### Easy Integration
Looking to automate vendor payments but fearing the integration process?
Let Cashfree Payments help you out.
Cashfree Payments lets you integrate your website or mobile app within a matter of days. Moreover, they provide plugins for eCommerce platforms like Magento, Woocommerce, **[Shopify](https://www.cashfree.com/blog/shopify-payment-gateway/)**, etc.
You can easily collect payments and disburse the payouts to the vendors by including the paymentSplits parameter.
### Flexible Settlements to Vendors
We have mentioned that you can customize the commission details and settlement cycles as per your preference.
Now, you can choose the settlement processing via bank account or UPI. In fact, Cashfree Payment’s Easy Split is the first solution in the market to support UPI settlement.
Most importantly, you can also settle vendor dues instantly after payment capture.
### User-Friendly Vendor Payment Reconciliation
Cashfree Payments lets you reconcile all vendor transactions, refunds, and settlements. You can choose to do this through APIs or directly through the dashboard.
Moreover, the dashboard will show the real-time status of all transactions using webhooks. The vendor payment system will automatically adjust refunds after the vendor settlements.
Cashfree Payments’ reporting feature will help you stay on top of all your business finances!
[](https://cashfree.com/contact-sales?utm_source=blog&utm_medium=organic&utm_campaign=vendor_payment_blog)
[payment solution](https://blogrevamp.cashfree.com/tag/payment-solution/) [Payouts](https://blogrevamp.cashfree.com/tag/payouts/) [vendor payment process](https://blogrevamp.cashfree.com/tag/vendor-payment-process/) [vendor payments](https://blogrevamp.cashfree.com/tag/vendor-payments/)
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fvendor-payment%2F "Share on Facebook")[Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fvendor-payment%2F&text=Vendor%20Payment%20Process%20In%20India%3A%20A%20Beginner%27s%20Guide "Share on Twitter")[LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fvendor-payment%2F "LinkedIn")[Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fvendor-payment%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2021%2F12%2FVendorPayments-Thumbnail.png&description=Vendor%20Payment%20Process%20In%20India%3A%20A%20Beginner%27s%20Guide "Pinterest")
Author [Etee Dubey](https://blogrevamp.cashfree.com/author/writereteedubey/ "Posts by Etee Dubey")
#### Related Posts
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### [Elevate Your D2C Website to Compete with the Giants](https://blogrevamp.cashfree.com/elevate-d2c-website-for-better-checkout-experience/)
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[](https://blogrevamp.cashfree.com/secured-payment-solutions-for-shopify-store/ "Secure Payment Solutions for Shopify: How to Protect Your Store from Fraud?")
### [Secure Payment Solutions for Shopify: How to Protect Your Store from Fraud?](https://blogrevamp.cashfree.com/secured-payment-solutions-for-shopify-store/)
2 days ago
[](https://blogrevamp.cashfree.com/shopify-payments-vs-third-party-gateways/ "Shopify Payments vs Third-Party Gateways: Making the Right Payment Choice")
### [Shopify Payments vs Third-Party Gateways: Making the Right Payment Choice](https://blogrevamp.cashfree.com/shopify-payments-vs-third-party-gateways/)
2 days ago
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## Megha Vijay's Payment Insights
Author
## Megha Vijay
_Browsing_
Smarter alternative to ENET HDFC & other corporate banking solutions. Now, make instant bulk payments even on bank holidays with Cashfree Payouts.
[Read More](https://blogrevamp.cashfree.com/enet-hdfc-2/)
UPI integration is required for accepting payments directly from customers through UPI apps such as GooglePay, BHIM UPI, PhonePe etc.…
[Read More](https://blogrevamp.cashfree.com/upi-integration/)
Covid19 has hit billions of lives globally. In this time hundreds of organisations and groups have come forward and are…
[Read More](https://blogrevamp.cashfree.com/introducing-payment-links-for-donations/)
Looking back at 2016 when we launched Payouts, we had one goal – to give businesses a way to make…
[Read More](https://blogrevamp.cashfree.com/why-we-built-cashgram/)
What is Third Party Validation? Why is it important? Third Party Validation (TPV) is essentially a process of confirming customer’s…
[Read More](https://blogrevamp.cashfree.com/third-party-validation-feature-for-bfsi-sector-pg/)
UPI has kicked in surpassing NEFT and IMPS in transaction volume. We, at Cashfree, have always believed in UPI as…
[Read More](https://blogrevamp.cashfree.com/cashfree-introduces-virtual-upi-ids-collect-payments-directly-via-whatsapp-google-pay-bhim/)
Having a payment gateway means that you can offer multiple payment options to customers on your checkout page and collect…
[Read More](https://blogrevamp.cashfree.com/payment-gateway-charges-india-free-payment-gateway/)
As a business accepting online payments you need to stay on top of your transactions analytics. To help you we…
[Read More](https://blogrevamp.cashfree.com/whats-newcustom-payment-gateway-transaction-reporting/)
RBI has come up with new guidelines for card processing firms and others who deal with card details to follow…
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PayPal is so many things, it is a payment method, wallet, payment processor and more. Name international payment methods and…
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- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
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## Working Capital Loans
Advances
# Working capital loan
at affordable rates!
Avail collateral-free
## working capital loans
on your payment gateway collections for your business with flexible repayment options.
Customized business loan offering
Flexible repayment options
Best interest rates
[Avail Now](https://cashfreepayments.typeform.com/advances-LP?source-action=Advances%20page&action=Sign%20Up&button-id=StartNow_Hero)
Benefits
# Why should you choose Advances?
100% paperless
Completely digital loan processing
Faster disbursals
Amount gets credited within 48 hours
No fixed EMIs
Access funds from day one within pre-approved loan limit
Easy onboarding
Access funds from day one within pre-approved loan limit
Founder friendly
No loss of control or equity dilution
Collateral-free Loans
No business collateral needed to avail loan!
Product features
## Get Instant Business
Loan in three easy steps!
Step 1
Share your loan requirements with your Account Manager
Step 2
Share basic KYC documents & avail instant loan with best interest rates
Step 3
Seamlessly repay the loan from your daily collections via Cashfree Payment Gateway
Scale your business with flexible growth capital today!
[Avail Now](https://cashfreepayments.typeform.com/advances-LP?source-action=Advances%20page&action=Sign%20Up&button-id=StartNow_Footer)
## Connected Banking Solutions
# Connected Banking
Add
## multiple fund sources
and make payouts directly
Connect multiple
## fund sources
like current bank account, loan account, corporate credit card, Paytm wallet, and add funds, define weightages, initiate payouts, check balance, track transfer status in real time, and do more.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Connected%20Banking&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Connected%20Banking&action=Contact%20Sales&button-id=ContactSales_Hero)
Fund sources
Choose where you pay from
Start
## disbursing from any fund source
, easily plugged into Cashfree Payouts.
## What is a Fund Source?
A fund source is an account from which you can initiate payouts to your beneficiaries.
Through a single account, you can add and
## manage multiple Fund Sources
including **multiple current accounts**, **Paytm wallet**, **corporate credit card** \[Mastercard and Visa\], **escrow account**, or **Cashfree wallet** \[Virtual Account\]. Specify your choice of fund source before making payouts!
- Multiple Current Accounts
- ## Cashfree Wallet
- ## Paytm Wallet
- ## Corporate Credit Card
- ## Escrow Accounts
- ## External Credit Line 
## Drive a smarter and \#\# connected banking experience for your business
ICICI
YES Bank
Kotak
IndusInd
Axis
RBL
HDFC Bank
DBS Bank
IDFC First Bank
- ### Add your current bank accounts, and make payouts directly from your Cashfree Payouts Dashboard/API without having to login to your corporate portal.
- ### Switch between connected bank accounts. Avoid any unforeseen exigencies of bank downtimes & reduce dependency on a single bank as a payout source.
[Learn More](https://docs.cashfree.com/docs/add-bank-account-as-fund-source)
## Ensure Quick Payouts using Cashfree Payments’s virtual wallet
- ### A virtual account is created as soon as you activate your Payouts account. Add funds, make payouts, and check available balance in real time.
- ### Send money to any bank accounts, UPI, & digital wallets \[Amazon Pay\].
- ### Avoid any payment failures. Set a low balance alert and get notified if your balance drops below the threshold limit.
[Learn More](https://docs.cashfree.com/docs/cashfree-wallet)
Multiple Current Accounts
## Drive a smarter and \#\# connected banking experience for your business
ICICI
YES Bank
Kotak
IndusInd
Axis
RBL
HDFC Bank
DBS Bank
IDFC First Bank
- ### Add your current bank accounts, and make payouts directly from your Cashfree Payouts Dashboard/API without having to login to your corporate portal.
- ### Switch between connected bank accounts. Avoid any unforeseen exigencies of bank downtimes & reduce dependency on a single bank as a payout source.
[Learn More](https://docs.cashfree.com/docs/add-bank-account-as-fund-source)
## Cashfree Wallet
## Ensure Quick Payouts using Cashfree Payments’s virtual wallet
- ### A virtual account is created as soon as you activate your Payouts account. Add funds, make payouts, and check available balance in real time.
- ### Send money to any bank accounts, UPI, & digital wallets \[Amazon Pay\].
- ### Avoid any payment failures. Set a low balance alert and get notified if your balance drops below the threshold limit.
[Learn More](https://docs.cashfree.com/docs/cashfree-wallet)
## Paytm Wallet
## Corporate Credit Card
## Escrow Accounts
## External Credit Line 
External Credit Line 
### Revolutionising
## Payouts with Fund Sources
As a tech-first PSP, our aim is to ship fast and perfect faster. Here's how Cashfree
## Payouts' Fund Sources
stack up against industry peers.
[Learn More](https://docs.cashfree.com/docs/add-bank-account-as-fund-source)
| Capability | The Payouts Fund Sources Way | Others |
| --- | --- | --- |
| Dedicated Wallet - Virtual Account | | |
| Direct payout from bank accounts | |  |
| Ability to connect bank accounts via dashboard | |  |
| Payout from Paytm Wallet | |  |
| Ability to connect paytm wallet as a fund source via dashboard | |  |
| Payout from corporate credit card | |  |
| Ability to connect corporate credit card as a fund source via dashboard | |  |
| Managing payout load between fund sources | | |
PRICING
Simple Pricing, No Hidden Charges
STANDARD
Pay as you go - for startups
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Connected%20Banking&action=Sign%20Up&button-id=StartNow_Pricing)
## Wallets/ Connected BaaS
| Transaction Amount | NEFT | RTGS | IMPS/UPI/
Amazon Pay | Pay to Phone/
Pay to Phone + CC |
| --- | --- | --- | --- | --- |
| Up to ₹1,000 | ₹ 3.00 | ₹ 4.00 | ₹ 6.00 | ₹ 7.00 |
| ₹1,000 to ₹25,000 | ₹ 5.00 | ₹ 6.00 | ₹ 8.00 | ₹ 9.00 |
| Above ₹25,000 | ₹ 8.00 | ₹ 10.00 | ₹ 15.00 | ₹ 18.00 |
| Transaction Amount | Up to ₹1,000 | ₹1,000 to ₹25,000 | Above ₹25,000 |
| --- | --- | --- | --- |
| NEFT | ₹ 3.00 | ₹ 5.00 | ₹ 8.00 |
| RTGS | ₹ 4.00 | ₹ 6.00 | ₹ 10.00 |
| IMPS/UPI/
Amazon Pay | ₹ 6.00 | ₹ 8.00 | ₹ 15.00 |
| Pay to Phone/
Pay to Phone + CC | ₹ 7.00 | ₹ 9.00 | ₹ 18.00 |
## Cards
Visa
Mastercard
### ₹15.00
Up to ₹1,000 txn amount
### ₹20.00
Above ₹1,000 txn amount
Note: Above mentioned prices are exclusive of bank charges and GST.
ENTERPRISES
Custom pricing designed for enterprises
- Early access to new features
- Dedicated account manager
- Discounted pricing
- Support over WhatsApp in addition to other channels
Get in touch with our sales team to explore the right product(s) for your payment needs and get custom pricing.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Connected%20Banking&action=Contact%20Sales&button-id=ContactSales_Pricing)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is a Connected Banking experience?
Businesses using traditional corporate banking portals login to different banking portals for different payment needs. Cashfree Payments’s connected Payout APIs help businesses process all types of transactions using a single account like refund processing, vendor payouts etc.
Integrate only once with Cashfree Payments to get connected to all our banks – Yes, ICICI, Kotak, IndusInd, Axis & RBL!
### What is Connected Payouts or Payouts Direct?
Payouts Direct allows you to make instant and automated payments directly from your bank account. Cashfree’s Payouts Direct integrates directly with your bank account, eliminating the need to maintain funds in the Recharge account. The balance in your account is available to make the payments.
### What is a fund source?
A fund source is any wallet/bank account or card from which you can initiate payouts to your beneficiaries. Cashfree Payments Payouts account now supports adding multiple fund sources, i.e., your bank accounts, corporate credit cards \[Coming soon\], Paytm wallet in addition to Cashfree Payments’ virtual account, to help you make payouts directly to your beneficiary accounts. This feature will allow you to add and manage multiple fund sources with just a few clicks from the dashboard.
### How should I add funds?
To use Cashfree Wallet for disbursals, you must first add Cashfree Payments as a beneficiary in your registered bank account. You can add funds to Cashfree Wallet from your registered bank account only. You have the flexibility to add funds to any of the bank accounts displayed in the Recharge Account section.
### Which banks are supported by Cashfree Payments’ Payouts to make payouts directly from your current account?
ICICI Bank, Yes Bank, IndusInd Bank, Kotak are currently available to make payouts directly from your current account. Axis & RBL - coming soon. Write to [care@cashfree.com](mailto:care@cashfree.com) if you want to make payments directly from other bank accounts.
### Can I create and use a virtual account for payouts?
By default, when you sign up for Payouts, Cashfree Payments creates a Wallet which is a virtual account, to help you initiate instant payouts.
### How can I check the available balance in Cashfree Payments’ Wallet \[virtual account\]?
To know the available balance in your Cashfree Wallet, go to Payouts Dashboard > Fund Sources > select Cashfree Wallet.
Transfers made using IMPS are instant, and the balance is immediately available in your Payouts Account. NEFT and RTGS are processed between 8 AM and 6:45 PM on all NEFT working days (Monday to Saturday, except 2nd and 4th Saturday). RTGS is not available for amounts less than ₹2 lakhs.
### How can I add funds to the Paytm Wallet?
To use Cashfree Wallet for disbursals, you must first add Cashfree Payments as a beneficiary in your registered bank account. You can add funds to Cashfree Wallet from your registered bank account only. You have the flexibility to add funds to any of the bank accounts including ICICI Bank, Yes Bank, IndusInd Bank, Kotak. Axis & RBL - coming soon.
### Can I make Paytm wallet transfers to beneficiaries not having a Paytm wallet?
No. You can make Paytm wallet transfers to beneficiaries who only have a Paytm wallet.
- Beneficiary should have completed the KYC validation for the Paytm payout to go through, or it fails.
- The maximum limit is up to ₹1 Lakh if the customer has completed the KYC registration.
- You only need the beneficiary phone number for making the payouts.
### Can payouts be processed on holidays?
Payouts can be processed 24\*7 even on bank holidays with all leading banks. For the rest, the transfer will get settled on the next working day. Here's a [list](https://docs.cashfree.com/docs/payout-methods) of all payment modes that are supported by Payouts.
### Can one transaction be routed through multiple Fund Sources?
No. Multiple transactions can be routed to different Fund Sources. One transaction cannot be routed through multiple Fund Sources.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Payouts
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Verification Suite
Verify and validate users before onboarding. Ensure successful fund transfer to beneficiaries.
[Learn More](https://www.cashfree.com/bank-account-verification/)
### Cashgram
Payout links to send money without collecting receiver bank account details or UPI details.
[Learn More](https://www.cashfree.com/cashgram/)
### Global Payouts
Send money to your sellers, service providers or freelancers in India directly to their local bank accounts.
[Learn More](https://www.cashfree.com/send-money-to-india/global-payouts/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Connected%20Banking&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Payment Gateway Charges
## Pricing
Lowest
# payment gateway charges
in India
Starts at
1.95%\*
2.0%
### Access complete payments and banking platform at friendly pricing
- ### No setup or any other hidden fees
- ### Pay only for actual transactions
- ### Real-time transaction fees reporting
- ### Paperless and same day onboarding
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Pricing%20Page&action=Sign%20Up&button-id=StartNow_Hero)
\*
## Pricing for Payment Gateway
only. See for
other products
Enterprises
### Custom pricing designed for enterprises
Early access to new features
Dedicated account manager
Discount pricing
Support over WhatsApp in addition to other channels
Get in touch with our sales team to explore the right products for your payment needs and get custom pricing.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Pricing%20Page&action=Contact%20Sales&button-id=ContactSales_Hero)
Collect Payments
Payment Gateway
Subscriptions
Easy Split
Instant Settlements
Make Payouts
Payouts
Cashgram
Verify Identity
Verification Suite
Cross Border Payments
Cross Border Payments
Payment Gateway
## Payment Gateway
Accept payments in Indian Rupees (INR) and other 100+ foreign currencies with minimal integration effort and go live in no time.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Pricing%20Page&action=Sign%20Up&button-id=StartNow_PaymentGateway) [Contact Sales](https://www.cashfree.com/contact-sales?source-action=Pricing%20Page&action=Contact%20Sales&button-id=ContactSales_PaymentGateway)
Payment Modes
UPI
Visa
Mastercard
RuPay
Maestro
PhonePe
Net Banking
ICICI
Airtel Money
Jio Money
Amazon Pay
2%
### 1.95% 2%
platform fee
UPI on Credit Cards
Starting at
2.15%
Rupay
### 2.15%
platform fee
EMI
Starting at
1.90%
Credit Card EMI
HDFC
SBI Card
ICICI
Bank of Baroda
Kotak
Standard Chartered
Axis
YES Bank
Federal
Bank
IndusInd Bank
AU Small Finance Bank
RBL Bank
HSBC
Citi Bank
American Express
### Platform fee + .25%
* * *
Debit Card EMI
HDFC
Kotak
Axis
ICICI
Coming Soon
### 1.50%
platform fee
* * *
Cardless EMI
HDFC
ICICI
Kotak
IDFC First Bank
Federal
Bank
Zest Money
KreditBee
CASHe
Home Credit
Bank of Baroda
### 1.90%
platform fee
Pay Later
2.50%
2.20%
LazyPay
Ola Money Postpaid
HDFC via Flexmoney
Kotak via Flexmoney
Simpl
Freecharge Pay Later
Zest Money Pay Later
Ring
Mobikwik Zip
2.50%
### 2.20% 2.50%
platform fee
Virtual Bank Accounts
Starting at
₹5
Virtual Account Creation
### ₹5
platform fee
* * *
Reconcile IMPS/NEFT/RTGS Payments
### ₹10
platform fee
International Cards
Starting at
2.95%
Visa
Mastercard
### 2.99%
platform fee
* * *
Paypal
### Standard payment gateway charges applicable
* * *
American Express
### 2.95%
platform fee
\\* Platform fee shall be a fee paid by the Merchant for services such as Hosted Checkout, Plugins, SDKs, Dashboard, and Generation of Reports. The Platform Fee shall be calculated on either total transactions or a certain number of transactions or a certain percentage of transactions of the total transaction as may be mutually agreed between the parties. Platform fee is a fee other than the fee charged on the transaction for payment instruments.
3 Products free with our PG!
Use our Payment Links, Payment Forms, and softPOS products to collect payments wherever your customers are at no additional cost!
## Avail exclusive access to our premium services
with an annual maintenance charge
Dedicated Account Manager with fortnightly checkins to provide support and discuss business health
Priority business support with an assured response time of 30 mins
20% faster resolution to dispute management
## Already using payment gateway?
- 
### Instant Settlements
- 
### Paperless and same day onboarding
- 
### Easy to use dashboard
- 
### International payments in 30+ currencies
- 
### Instant refunds
- 
### E-commerce plugins
- 
### Dedicated account manager
- 
### Developer friendly integration kits
- 
### Now live on Juspay. Connect today
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### Are the payment gateway charges fixed? Can I get tailored pricing for my business?
Yes. We can offer
## customized payment gateway charges
if your business has very high average order values or micro-transactions. For custom, pricing get in touch with us [here](https://www.cashfree.com/contact-sales?source-action=Pricing%20Page&action=Contact%20Sales&button-id=ContactSales_PGFAQ1) .
### When can I start accepting international cards?
Once you upload all payment gateway integration [related documents,](https://www.cashfree.com/docs/help/overview) we verify the details. As your account gets approved, our team will assist you with international card payment activation.
### I have a PayPal business account? What are the Cashfree payment gateway charges for enabling PayPal on the checkout page?
If you already have a PayPal business account, you can connect your PayPal account with Cashfree payment gateway account and start accepting international payments from day one. Read our [Cashfree PayPal payment gateway integration guide](https://docs.cashfree.com/docs/payment-gateway-dashboard#orders) . PayPal integration in Cashfree Payment Gateway is FREE. If you decide to enable [PayPal Express Checkout](https://docs.cashfree.com/docs/payment-gateway-dashboard#orders) on your Cashfree checkout page, you will be bearing only standard PayPal pricing, Cashfree does not charge any additional payment gateway charges.
### Are the payment gateway charges deducted on a per transaction basis?
Yes, the TDR or transaction discount rate is deducted on a per transaction basis. When a transaction is successful, the TDR amount is deducted by Cashfree before settling the proceeds to your bank account.
### Are there any additional charges such as setup fee?
With Cashfree, you pay ZERO Setup fees. However, you’ll be charged ₹4,999 annually as part of Annual Maintenance Contract (AMC).
### What are \#\# UPI payment gateway charges with Cashfree?
UPI is available as a payment mode on Cashfree Payment Gateway. Your customers can use any UPI app including PhonePe, GooglePay etc to pay. The UPI payment gateway charges are as per the applicable law.
Cashfree offers the widest range of UPI integration such as UPI collect, UPI intent, UPI QR Code, UPI WhatsApp link etc. You can choose from a range of UPI integration and achieve the desired checkout experience.
### What is a Platform Fee?
Platform fee is paid by you for services such as Hosted Checkout, Plugins, SDKs, Dashboard, Generation of Reports etc. The Platform Fee is mutually agreed upon between Cashfree and You. Platform fee is a fee other than the fee charged on the transaction for payments instruments.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Payment Gateway
Accept payments in Indian Rupees (INR) and other 100+ foreign currencies with minimal integration effort and go live in no time.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Pricing%20Page&action=Sign%20Up&button-id=StartNow_PaymentGateway) [Contact Sales](https://www.cashfree.com/contact-sales?source-action=Pricing%20Page&action=Contact%20Sales&button-id=ContactSales_PaymentGateway)
Payment Modes
UPI
Visa
Mastercard
RuPay
Maestro
PhonePe
Net Banking
ICICI
Airtel Money
Jio Money
Amazon Pay
2%
### 1.95% 2%
platform fee
UPI on Credit Cards
Starting at
2.15%
Rupay
### 2.15%
platform fee
EMI
Starting at
1.90%
Credit Card EMI
HDFC
SBI Card
ICICI
Bank of Baroda
Kotak
Standard Chartered
Axis
YES Bank
Federal
Bank
IndusInd Bank
AU Small Finance Bank
RBL Bank
HSBC
Citi Bank
American Express
### Platform fee + .25%
* * *
Debit Card EMI
HDFC
Kotak
Axis
ICICI
Coming Soon
### 1.50%
platform fee
* * *
Cardless EMI
HDFC
ICICI
Kotak
IDFC First Bank
Federal
Bank
Zest Money
KreditBee
CASHe
Home Credit
Bank of Baroda
### 1.90%
platform fee
Pay Later
2.50%
2.20%
LazyPay
Ola Money Postpaid
HDFC via Flexmoney
Kotak via Flexmoney
Simpl
Freecharge Pay Later
Zest Money Pay Later
Ring
Mobikwik Zip
2.50%
### 2.20% 2.50%
platform fee
Virtual Bank Accounts
Starting at
₹5
Virtual Account Creation
### ₹5
platform fee
* * *
Reconcile IMPS/NEFT/RTGS Payments
### ₹10
platform fee
International Cards
Starting at
2.95%
Visa
Mastercard
### 2.99%
platform fee
* * *
Paypal
### Standard payment gateway charges applicable
* * *
American Express
### 2.95%
platform fee
\\* Platform fee shall be a fee paid by the Merchant for services such as Hosted Checkout, Plugins, SDKs, Dashboard, and Generation of Reports. The Platform Fee shall be calculated on either total transactions or a certain number of transactions or a certain percentage of transactions of the total transaction as may be mutually agreed between the parties. Platform fee is a fee other than the fee charged on the transaction for payment instruments.
3 Products free with our PG!
Use our Payment Links, Payment Forms, and softPOS products to collect payments wherever your customers are at no additional cost!
## Avail exclusive access to our premium services
with an annual maintenance charge
Dedicated Account Manager with fortnightly checkins to provide support and discuss business health
Priority business support with an assured response time of 30 mins
20% faster resolution to dispute management
## Already using payment gateway?
- 
### Instant Settlements
- 
### Paperless and same day onboarding
- 
### Easy to use dashboard
- 
### International payments in 30+ currencies
- 
### Instant refunds
- 
### E-commerce plugins
- 
### Dedicated account manager
- 
### Developer friendly integration kits
- 
### Now live on Juspay. Connect today
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### Are the payment gateway charges fixed? Can I get tailored pricing for my business?
Yes. We can offer
## customized payment gateway charges
if your business has very high average order values or micro-transactions. For custom, pricing get in touch with us [here](https://www.cashfree.com/contact-sales?source-action=Pricing%20Page&action=Contact%20Sales&button-id=ContactSales_PGFAQ1) .
### When can I start accepting international cards?
Once you upload all payment gateway integration [related documents,](https://www.cashfree.com/docs/help/overview) we verify the details. As your account gets approved, our team will assist you with international card payment activation.
### I have a PayPal business account? What are the Cashfree payment gateway charges for enabling PayPal on the checkout page?
If you already have a PayPal business account, you can connect your PayPal account with Cashfree payment gateway account and start accepting international payments from day one. Read our [Cashfree PayPal payment gateway integration guide](https://docs.cashfree.com/docs/payment-gateway-dashboard#orders) . PayPal integration in Cashfree Payment Gateway is FREE. If you decide to enable [PayPal Express Checkout](https://docs.cashfree.com/docs/payment-gateway-dashboard#orders) on your Cashfree checkout page, you will be bearing only standard PayPal pricing, Cashfree does not charge any additional payment gateway charges.
### Are the payment gateway charges deducted on a per transaction basis?
Yes, the TDR or transaction discount rate is deducted on a per transaction basis. When a transaction is successful, the TDR amount is deducted by Cashfree before settling the proceeds to your bank account.
### Are there any additional charges such as setup fee?
With Cashfree, you pay ZERO Setup fees. However, you’ll be charged ₹4,999 annually as part of Annual Maintenance Contract (AMC).
### What are \#\# UPI payment gateway charges with Cashfree?
UPI is available as a payment mode on Cashfree Payment Gateway. Your customers can use any UPI app including PhonePe, GooglePay etc to pay. The UPI payment gateway charges are as per the applicable law.
Cashfree offers the widest range of UPI integration such as UPI collect, UPI intent, UPI QR Code, UPI WhatsApp link etc. You can choose from a range of UPI integration and achieve the desired checkout experience.
### What is a Platform Fee?
Platform fee is paid by you for services such as Hosted Checkout, Plugins, SDKs, Dashboard, Generation of Reports etc. The Platform Fee is mutually agreed upon between Cashfree and You. Platform fee is a fee other than the fee charged on the transaction for payments instruments.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Pricing%20Page&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=182478147.1744093013>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=1875918213)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744093013657&cv=11&fst=1744093013657&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-gateway-charges%2F&hn=www.googleadservices.com&frm=0&tiba=Payment%20Gateway%20Charges%20%7C%20Lowest%20Pricing%20%26%20UPI%20Payment%20Gateway%20Fees%20in%20India%20%7C%20Cashfree&npa=0&pscdl=noapi&auid=1134356799.1744093013&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744093013697&cv=11&fst=1744093013697&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-gateway-charges%2F&hn=www.googleadservices.com&frm=0&tiba=Payment%20Gateway%20Charges%20%7C%20Lowest%20Pricing%20%26%20UPI%20Payment%20Gateway%20Fees%20in%20India%20%7C%20Cashfree&npa=0&pscdl=noapi&auid=1134356799.1744093013&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744093013693&cv=11&fst=1744093013693&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fpayment-gateway-charges%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Payment%20Gateway%20Charges%20%7C%20Lowest%20Pricing%20%26%20UPI%20Payment%20Gateway%20Fees%20in%20India%20%7C%20Cashfree&npa=0&pscdl=noapi&auid=1134356799.1744093013&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## International Payment Gateway
# INTERNATIONAL PAYMENT GATEWAY
India’s
## Best International Payment Gateway
Simplify accepting
## international payments
in over 100+ currencies from all major international cards and grow your business globally, effortlessly.
- Accept payments in 100+ currencies
- Settlement in INR (T+2)\*
- Secure and frictionless checkout
We are pleased to announce that Cashfree Payments is one of the first Payment Aggregators in India to have received the Payment Aggregator Cross Border (PA-CB) license from the RBI.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=International%20Payment%20Gateway&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=International%20Payment%20Gateway&action=Contact%20Sales&button-id=ContactSales_Hero)
- ![nykaa]()
- ![vedantu]()
- ![ease]()
- ![stoa]()
- ![livs]()
- ![kushal]()
- ![noise]()
- ![nykaa]()
- ![vedantu]()
- ![ease]()
- ![stoa]()
- ![livs]()
- ![kushal]()
- ![noise]()
8,00,000+
Businesses served
USD 80B+
Processed annually
600M+
Bank accounts served
## PRODUCT FEATURES
## Accept payments globally
with Cashfree’s
## International Payment Gateway
With Cashfree
## International Payment Gateway
, effortlessly tap into global markets and seamlessly accept payments in over 100 currencies from all major international cards, instantly.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=International%20Payment%20Gateway&action=Sign%20Up&button-id=StartNow_ProductFeatures)
Global Card Acceptance
Accept payments seamlessly globally from any Visa, Mastercard, Maestro, and Amex cards enrolled in 3DS 2.0 with just a click!
Support for major currencies
Broaden your payment horizons & enable transactions in 100+ currencies effortlessly.
Address Verification System
Boost your transaction success rates for cards issued in the USA and Canada with our robust address verification system in place.
Frictionless Checkout
Experience frictionless authentication checkout with Cashfree
## International Payment Gateway
for all your international transactions.
FIRC Compliance
Ensure hassle-free international shipping controls and receive monthly FIRC reports.
High Success Rates
Achieve over 75% higher success rate on secure transactions with our advanced solutions.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=International%20Payment%20Gateway&action=Sign%20Up&button-id=StartNow_ProductFeatures)
Use Cases
Suitable for all businesses
## Accept international payments
from all major cards and expand your reach worldwide.
- E-commerce
- Travel
- SaaS
- Many more
## E-commerce
Expand your online business globally by meeting the international demand for Indian products. With Cashfree International Payment Gateway, transcend borders and facilitate seamless transactions worldwide!
Unleash the global growth of your e-commerce venture by overcoming challenges such as restricted market access, decreased conversion rates due to currency conversion complexities, and barriers to smooth cross-border transactions, effortlessly tapping into new markets.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=International%20Payment%20Gateway&action=Sign%20Up&button-id=StartNow_EcommerceUseCase)
E-commerce
## E-commerce
Expand your online business globally by meeting the international demand for Indian products. With Cashfree International Payment Gateway, transcend borders and facilitate seamless transactions worldwide!
Unleash the global growth of your e-commerce venture by overcoming challenges such as restricted market access, decreased conversion rates due to currency conversion complexities, and barriers to smooth cross-border transactions, effortlessly tapping into new markets.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=International%20Payment%20Gateway&action=Sign%20Up&button-id=StartNow_EcommerceUseCase)
Travel
SaaS
Many more
Lowest Pricing
## Lowest international payment gateway charges
- No setup, maintenance or any other hidden fees
- Pay only for actual transactions
- Real-time transaction fees reporting
- Paperless and same day onboarding
2.99%
per transaction
Standard payment gateway charges applicable
2.95%
per transaction
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=International%20Payment%20Gateway&action=Sign%20Up&button-id=StartNow_Pricing)
ENTERPRISES
Custom pricing designed for enterprises
- Early access to new features
- Dedicated account manager
- Discounted pricing
- Support over WhatsApp in addition to other channels
Get in touch with our sales team to explore the right product(s) for your payment needs and get custom pricing.
Contact Sales
Integrate the PayPal wallet effortlessly with just a few clicks
- Success rates elevated by up to 20%
- Receive payments with a T+2\* settlement cycle
- Connect with over 30 Crore PayPal users worldwide
- Transactions will be charged as per rates defined by PayPal
[Activate PayPal now](https://docs.cashfree.com/docs/activate-payment-methods#activate-payment-mode---paypal)
Already an existing Cashfree Payment Gateway user?
If you are an existing Cashfree Payment Gateway user, simply log in and request to enable the International Payment Gateway for your account.
[Request Activation](https://form.typeform.com/to/IiRp5Mym?utm_source=xxxxx&utm_campaign=xxxxx#mid=xxxxx)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### How do I receive international payments in India?
Cashfree Payments’ International Payment Gateway comes equipped to enable you to accept payments from across the world without any additional effort. You can start accepting payments in 30+ currencies from 200 countries across the world via PayPal or through international cards after onboarding with us. You can check if International Cards are enabled on your Cashfree PG account by going to Settings -> Payment Methods (under Payment Gateway) and seeing if International Cards are enabled for Credit and Debit Cards on your account. To enable PayPal on your account, scroll down and click ‘Connect Account’ under PayPal, enter your PayPal credentials, and get started. Once these modes are activated, you will be able to receive payments from international customers via their credit and debit cards, or via PayPal.
### What payment options for international customers are available?
Businesses on Cashfree Payments can accept payments from international customers via their credit and debit cards (Visa, Mastercard, American Express, Diner’s Club), or via PayPal. We are also working to add additional alternate payment methods so that your global customers can see payment modes that are local and familiar to them.
### Which currencies does Cashfree Payments support for international payments?
With Cashfree Payments, you can accept payments in a variety of foreign currencies and receive the settlement in INR in your account without any additional effort.We support the following currencies -
- Australian Dollar (AUD)
- Brazilian Real (BRL)
- Canadian Dollar (CAD)
- Chinese Renmibi (CNY)
- Czech Koruna (CZK)
- Euro (EUR)
- Hong Kong Dollar (HKD)
- Hungarian Forint (HUF)
- Israeli New Shekel (ILS)
- Japanese Yen (JPY)
- Malaysian Ringgit (MYR)
- Mexican Peso (MXN)
- New Taiwanese Dollar (TWD)
- New Zealand Dollar (NZD)
- Norwegian Krone (NOK)
- Philippine Peso (PHP)
- Polish Zloty (PLN)
- Pound Sterling (GBP)
- Singapore Dollar (SGD)
- Swedish Krona (SEK)
- Swiss Franc (CHF)
- Thai Baht (THB)
- United States Dollar (USD)
### Do I need to handle currency conversion?
No, you do not. With Cashfree Payments, you will receive your payments in INR in your settlement account with no additional charges or effort for currency conversion.
### What is an FIRC? Why is it needed?
An FIRC is a Foreign Inward Remittance Certificate. Payments from international customers is called a “Foreign Inward Remittance”, i.e. a payment flowing into India from abroad. This is usually accompanied by an export of goods and services from India to a foreign country, and comes with some tax incentives and reliefs. Foreign Inward Remittance Certificates (FIRC) are documentary proof for any foreign transfer to India, in case of export of goods. For export of services, there will be no tax levied if there is an FIRC available with the business. FIRC is also important to avail export related schemes such as EPCG (Export promotion capital goods) and others.
### How does settlement happen for international payments?
International payments will be settled into your account in INR after the settlement cycle, and will be credited to your account normally. Payments received via PayPal will be settled by PayPal directly.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Global Collections
Power your users to seamlessly receive international payments in 30+ currencies.
[Learn More](https://www.cashfree.com/international-payments/international-wire-transfer/)
### Payment Gateway
Accept domestic and international payments for your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
\\* Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=International%20Payment%20Gateway&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
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## Co-Lending Insights
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Adding to our series of webinars on Digital Lending Guidelines (DLG), we did our first **‘Co-lending 101’**. And yes, we wrapped up an insightful session!
From the fundamentals of the co-lending model (CLM) for building more clarity around it to what it holds for the future, the expert panel had a holistic discussion.
On the panel were [Aditi Olemann](https://www.linkedin.com/in/ACoAAAsGQPoBIHCBL8L6rGr1DiJyRcV0NQMQlEc) from [Cashfree Payments](https://www.linkedin.com/company/cashfree/), [Apurva Jain](https://www.linkedin.com/in/ACoAAAKXfycBmfp8ao8WYfrikOg59HMOzOpAZ8k) from [Yubi](https://www.linkedin.com/company/go-yubi/), [Pankaj Chaudhary](https://www.linkedin.com/in/ACoAAANv3V0BXXSKdL9opbuKsSWE3U3aIUm6pGI) from [Niyogin](https://www.linkedin.com/company/niyogin.in/), [Kshitij Puri](https://www.linkedin.com/in/ACoAAAKjFlgBG23N-4iNiMrMopV4ijzPFj7RKks) from [ZipLoan](https://www.linkedin.com/company/ziploan/), and [Amit Maurya](https://www.linkedin.com/in/ACoAABPhsE8BrVBhnQoEYlcAZHUJzoWVtlZsl20) from [Ring](https://www.linkedin.com/company/paywithring/).
The webinar pivoted around the meaning of co-lending, its various dimensions and challenges. It also revolved around the impact of the **[RBI’s DLG (Digital Lending Guidelines)](https://www.cashfree.com/blog/digital-lending-guidelines-webinar-recap/).**
This blog is a synopsis of the same. It is a quick read for all businesses that are either venturing or have been operating in the co-lending space. Also, if you have a solution platform that supports a co-lending ecosystem in any way then this is a must-read!
_So, without any delay, let’s get into the details._
## What is Co-Lending?
Before we get into the specifics of the webinar discussion, let’s understand what co-lending is.
**Co-lending** is defined as a form of lending where **two regulated entities provide [lending services](https://www.cashfree.com/blog/lending-as-a-service/)** to customers. It is typically a bank and an NBFC but also two NBFCs that partner together. The two entities share the **liability in different ratios as pre-agreed by them**.
While co-lending as a form of lending has existed for several years, the advent of fintechs in the lending space has bolstered digital co-lending into a whole new league.
\[Webinar\] Co-lending 101 \| How to kickstart your co-lending journey - YouTube
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[\[Webinar\] Co-lending 101 \| How to kickstart your co-lending journey](https://www.youtube.com/watch?v=d4f2tVsc3fw)
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## **Key Takeaways: Co-Lending 101**
The RBI guidelines outline the **priority sector co-lending between banks and NBFCs**. However, **NBFC-NBFC co-lending** is also quite prevalent in similar lines for **non-PSL (non-priority sector lending)**.
Generally, **First Loss Default Guarantee (FLDG)**-based digital lending has been prevalent among non-regulated fintechs who partner with NBFCs to provide loans to their customers.
In this form of partnership, the Regulated Entity (RE) brings in the capital. While the non-regulated fintech brings in the customer, the risk is shared through an FLDG. However, with RBI streamlining digital lending over the last year, there is a growing trend of fintechs acquiring NBFC licenses, to enter the space of regulated co-lending.
## **Role of Lenders and Originators in Co-Lending**
[Pankaj Chaudhary](https://www.linkedin.com/in/ACoAAANv3V0BXXSKdL9opbuKsSWE3U3aIUm6pGI) opined that the role of the originator in co-lending is to acquire and service the customer. Simultaneously, the originator also ensures repayment at the agreed ROI. On the other hand, the lender is the one who puts in the larger portion of the money in the partnership. ‘What about risk sharing in such a partnership?’ Pankaj answers,
Risk participation should not lie fully with one partner but there should be a balance. Both partners must agree upon the risk-reward balance.
In addition, a tech-savvy efficient process that fuels business and growth is of paramount importance.
Also, how to choose the right partner or rather the right RE (regulated entity)? LPs (lending partners) should **evaluate a product in isolation regardless of who is the originator**. They should look at the **product’s** **scalability** and not whether the originator is a large entity or a small/thinly-capitalized entity.
[Amit Maurya](https://www.linkedin.com/in/ACoAABPhsE8BrVBhnQoEYlcAZHUJzoWVtlZsl20) added that in non-discretionary and non-PSL sectors, one needs to have some sort of structure for **FLDG.** Whereas, for discretionary PSL, there can be **no FLDG** because the RBI does not allow any credit enhancement.
In non-discretionary co-lending, the dominant lending partner wants some comfort. This is because the originator or the sourcing partner primarily takes most decisions.
**80-20 ratio** is commonly seen between regulated entities getting into co-lending, but other ratios also exist. However, **less than 10% is not recommended**.
## **Challenges** in Co-Lending
What lending partners have been looking out to solve is how they go about the whole lending business. They aim for being more efficient. They seek the capability of providing a more organised way of lending, from initiating to processing to managing.
Secondly, data sharing and data structuring safely and easily is something that they need to take care of. Moreover, it is an ongoing and real-time process.
Lastly but most importantly, they must store all this data exchange in a compliant way.
[Apurva Jain](https://www.linkedin.com/in/ACoAAAKXfycBmfp8ao8WYfrikOg59HMOzOpAZ8k) highlighted the challenges that REs face when it comes to **integrations for data exchange** and the overall **operational complexities**. One-on-one integration is time-consuming and repetitive and if that fails, the whole process can fall.
Lending, an already complex process, doubles its complications with co-lending. The reason is that the two entities come with their **own sets of criteria** and **policies** with which they underwrite a borrower. Both parties need to configure their credit policies and credit filters when loan value passes on from the originator to the lender. For reporting and reckoning processes as well, they need to create parallel workflows according to the agreed terms.
This makes it very complex for two entities to work together and go live on co-lending. The critical role of lending platforms and payment service providers here is to help simplify operations. Also, they should make integration and go-live simpler for two REs getting into a co-lending partnership.
## **Co-lending Models**
There are two co-lending models – CLM1 (Co-lending Model 1) and CLM2. In CLM1, both parties pool in money and disburse the loan. In CLM2, one party disburses and the other party reimburses. **CLM1 is the preferred mode for most NBFCs getting into co-lending.**
Also, CLM 1 can be for both PSL and non-PSL, however, CLM2 is only for PSL.
Co-lending is not a new concept and the RBI has been promoting it for a long time since credit penetration has been confined to limited regions and segments. However, after the fintechs came into play, the RBI encourages credit disbursement but also wants lenders to follow a framework.
It wants that the **originator/sourcing partner should know its customers** and NOT LEND just on behalf of the lender, Likewise, the **lender must not pass 100% risk to the originator**.
[**_Also Read: Unlocking New Opportunities for Growth with Digital Lending_**](https://www.cashfree.com/blog/unlocking-new-opportunities-for-growth-with-digital-lending/)
## **Payment Flow**
The payment flow into the account of the borrower by the lenders is important to focus on. This depends on the type of lending arrangement that exists between two partners. For instance-
- If it is a **100-0 arrangement**, then the handling of the money is the sole responsibility of the lender contributing 100% of the loan. This means that the lending and repayment must happen directly between the bank accounts of the lender and borrower. The originator must not touch that money
- When it’s a co-lending arrangement between two parties, a co-lend-escrow account is strongly recommended. The REs open an account in a bank, in compliance with the CC/OD guidelines, and they pool their money in the common account. A separate collection co-lend escrow is also created for repayments coming in for this partnership. Payment aggregators have an important role to play in the payment flows, both in disbursals (as a Technical Service Provider), and in repayments, in the capacity of a Payment Aggregator
[](https://www.cashfree.com/nbfc-digital-lending-solutions/?utm_source=blog&utm_medium=organic&utm_campaign=co-lending-101-how-to-kickstart-your-co-lending-journey)
## **Parting Thoughts**
So, that was the summary of the enlightening session we had at the **Webinar – Co-lending 101: The Road Ahead – How to Kickstart your Co-lending Journey**.
Starting with the basics of what is co-lending and the [RBI’s co-lending guidelines](https://www.cashfree.com/blog/rbi-faqs-on-digital-lending-guidelines/), we delved deeper into it. We have covered other aspects of co-lending in our previous sessions and look forward to doing it in future.
So, stay tuned and meanwhile, you can check out the [full-stack **digital lending solution** for NBFCs and Fintechs by Cashfree Payments](https://www.cashfree.com/nbfc-digital-lending-solutions/?utm_source=blog&utm_medium=organic&utm_campaign=co-lending-101-how-to-kickstart-your-co-lending-journey).
## **Key Terminologies**
Frequently used acronyms, their full forms and meanings for your reference:
### **RBI: Reserve Bank of India**
The RBI is the country’s central bank as well as a regulatory body that regulates and guides the Indian banking system. It lays down the norms according to which all banks or non-banking financial companies (NBFCs) must function.
### **NBFC: Non-Banking Financial Company**
**[NBFCs](https://www.cashfree.com/blog/nbfcs-in-india/)** are the institutions that provide financial services, similar to banks but do not have full banking licenses. Unlike banks, they can’t accept deposits and raise money through bonds or borrowing from banks. They also have fewer regulatory controls than banks. However, the RBI regulates both banks and NBFCs. They are also known as _NBFIs (Non-Banking Financial Institutions)_.
### **RE: Regulated Entity**
By REs or Regulated entities, we refer to banks or NBFCs that the RBI regulates.
### **FLDG: First Loan Default Guarantee**
This is about the co-lending model between a fintech and an RE (banks/NBFCs). It is an arrangement where the RE is the lender and the fintech being the originator takes a guarantee of compensation to the RE up to a certain limit in case the borrower defaults. The RBI’s first set of digital lending guidelines states that the loan transaction must occur directly between the borrower and the RE’s account. It should be through any unregulated entity or third-party loan service provider such as fintech. So, with the FLDG model in crisis, fintechs look forward to acquiring an NBFC license.
### **LSP: Lending Service Providers**
Lending Service Providers can be fintechs or any such third-party digital platforms that provide loans, credit lines and lending services to borrowers. As they are not banks/NBFCs themselves, they may lend to borrowers in connection with the REs. However, they help through their digital services in reaching out larger customer base and acquisition as well as faster and easy processing like underwriting and repayment of loans.
### **DLG : Digital Lending Guidleines**
The RBI came up with Digital Lending guidelines that apply to all REs for lending purposes. Be it banks (commercial or primary/urban/state/district central co-operative) or NBFCs including HFCs (Housing Finance Companies) must comply with the DLG
### **PSL: Priority Sector Lending**
Priority sectors are those sectors that the GOI and the RBI consider important for the development of the nation and give priority over other sectors. They implore the banks to dedicate funds to these sectors such as agriculture, education, housing, etc. for poor strata of the country. The rest of the sectors are termed as non-PSL.
#### Related Post
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- [VPA in UPI](https://www.cashfree.com/blog/vpa-in-upi/)
- [Global UPI](https://www.cashfree.com/blog/upi-global/)
- [Payment Page Design](https://www.cashfree.com/blog/payment-page-design-examples/)
- [PPI Interoperability](https://www.cashfree.com/blog/ppi-interoperability/)
[Co-Lending](https://blogrevamp.cashfree.com/tag/co-lending/) [Digital Lending Guidelines](https://blogrevamp.cashfree.com/tag/digital-lending-guidelines/) [Lending](https://blogrevamp.cashfree.com/tag/lending/)
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Author [Yashi Das](https://blogrevamp.cashfree.com/author/dasyashi03/ "Posts by Yashi Das")
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[](https://blogrevamp.cashfree.com/business-account-guide-nodal-escrow-current-account/ "Nodal vs Escrow vs Current Account – What and why for your Business?")
### [Nodal vs Escrow vs Current Account – What and why for your Business?](https://blogrevamp.cashfree.com/business-account-guide-nodal-escrow-current-account/)
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## Understanding APIs
[Home](https://vpurshan.wpcomstaging.com/ "Go to Home.") \> API (Application Programming Interface)
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[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fvpurshan.wpcomstaging.com%2Fglossary%2Fapi%2F "Share on Facebook") [Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fvpurshan.wpcomstaging.com%2Fglossary%2Fapi%2F&text=API%20%28Application%20Programming%20Interface%29 "Share on Twitter") [Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fvpurshan.wpcomstaging.com%2Fglossary%2Fapi%2F&media=https%3A%2F%2Fvpurshan.wpcomstaging.com%2Fwp-content%2Fuploads%2F2023%2F05%2FBG1-1-2.png&description=API%20%28Application%20Programming%20Interface%29 "Pinterest") [Email](mailto:?subject=API%20%28Application%20Programming%20Interface%29&body=https%3A%2F%2Fvpurshan.wpcomstaging.com%2Fglossary%2Fapi%2F "Email")
API is an abbreviation for Application Programming Interface. It is a software interface that lets two computer software, programs, systems or applications communicate with each other. Also, with APIs, any companies/developers can build new applications using data from an existing program or application. However, they need not know its internal and confidential working details.
In simpler words, [API](https://www.cashfree.com/blog/next-gen-apis-payment-solutions/) is an intermediary layer, a simplified and standardised set of protocols and tools. It allows two applications to interact and exchange data with each other. API defines the methods, data formats, and conventions for requesting and exchanging information from the other system.
API processes data transfers between systems in such a way that one party can open its application data to external third parties. However, the first party need not share all the implementation details of the software application. These third parties can be developers, business partners, and internal departments within their companies.
When the company (first party) gives access to their data and functionality via the API to third parties, they can access the existing software components or services. They can leverage the data, features and capabilities of the existing software without requiring to understand its internal working process. With the help of APIs, developers can offer innovative solutions and services by building new applications on existing already applications or programs.
With growing digitisation, APIs are being widely used in several domains, including payment systems. They are used for web or mobile app development, cloud services, and social media platforms. It usually includes all those major areas where software systems need to exchange data.
APIs, or application programming interfaces have boosted the digital payment ecosystem in India. Now businesses can integrate with payment gateways and other payment providers. Customers can pay for goods and services online and offline. The entire payment process has become easier and faster with digitisation.
In the context of the payments ecosystem, an API refers to those protocols and standards that enable different payment service providers (PSPs), payment gateways (PGs), and other such third-party applications and fintechs to communicate with each other and exchange payment-related information securely.
Among various [APIs used in the Indian payment ecosystem](https://www.cashfree.com/blog/why-api-banking-is-fintechs-next-big-bet-2/), some of the most common include –
[**Payment Gateway API**](https://docs.cashfree.com/docs/api-integration) **:** Most online businesses like e-commerce stores can make monetary transactions because they integrate with payment systems. These payment gateways (PGs) or payment service providers (PSPs) enable them to carry out transactions. Usually, they partner with payment gateways (PGs) that have multiple modes of payment for their customers in one place. Instead of integrating with several banks or card networks, it is easier to partner with PGs. Here, the API of a PG or PSP allows businesses to provide payment options to their customers on their apps/sites. For example, merchants that partner with [Cashfree Payments](https://www.cashfree.com/), their customers can pay for goods and services using any payment mode. They can pay via their preferred methods, such as credit cards, debit cards, and net banking.
**Bank API:** [Bank APIs](https://www.cashfree.com/blog/why-api-banking-is-fintechs-next-big-bet-2/) allow businesses to enable banking functions for their customers. Businesses can integrate with banks and build their solutions for customers that can provide easy and quick service to them. Businesses can offer higher customer satisfaction by meeting their changing needs.
[**UPI API:**](https://docs.cashfree.com/docs/upi#api-request) Most businesses enable UPI payments for customers as they can integrate with UPI via the APIs. [Unified Payments Interface (UPI)](https://www.cashfree.com/upi-payment-gateway/) is a government-backed payment system. It lets customers make instant and direct payments from their bank accounts to that of the receiver.
[APIs in the payments ecosystem](https://www.cashfree.com/blog/next-gen-apis-payment-solutions/) help to initiate and authorise payments. Other than that, they can also aid in retrieving payment history or accessing transaction data. Via the APIs, the PGs, PSPs and fintechs can offer newer financial services and solutions. It is because they can leverage data from banks and other financial institutions.
For example, fintechs can provide loans, digital bank accounts, credit cards, and other such products by partnering with financial institutions and integrating with their APIs. APIs enable them to offer personalized and customized financial solutions to their customers. Fintechs can access as well as analyze data in real time.
APIs also enable fintech companies to integrate their services with other applications and platforms, such as accounting software, customer relationship management (CRM) systems, and e-commerce platforms. This integration can make it easier for businesses to manage their finances, streamline their operations, and make data-driven decisions. Moreover, it can help businesses scale their operations by adding new payment methods.
Overall the APIs can help fintechs in COST REDUCTION, EFFICIENCY and CONVENIENCE. Efficiency is usually due to the automation of various processes like payment processing, account management, risk assessment, etc. Automation helps the fintechs offer their services at a lower cost than traditional financial institutions. APIs also employ several mechanisms (for example – encryption or PCI DSS measures) to provide data security.
### _Related_
[API Banking (Bank API)](https://vpurshan.wpcomstaging.com/glossary/api-banking/ "API Banking (Bank API)")May 30, 2023Similar post
[Open Banking](https://vpurshan.wpcomstaging.com/glossary/open-banking/ "Open Banking")June 14, 2023Similar post
[Banking as a Service (BaaS)](https://vpurshan.wpcomstaging.com/glossary/banking-as-a-service-baas/ "Banking as a Service (BaaS)")June 27, 2023Similar post
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## Understanding Payment Aggregators
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_What is a payment aggregator? How do payment aggregators (PAs) work and what are their types? What is a payment aggregator example? Too many questions, one answer- This guide!_
* * *
The term ‘payment aggregators’ has been a source of confusion for many.
Most blogs on Google do not explain its exact definition, how it works and what separates it from a payment gateway,
This blog is our attempt to fill that void.
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## Payment Aggregator Meaning
Payment aggregators (also known as merchant aggregators) mean third-party **service providers that allow merchants to accept payments from customers by integrating them into their websites or apps.**
In other terms, payment aggregators (PAs) bridge the gap between merchants and acquirers. It provides you with a **‘sub-merchant account’**. After that, the PAs receive payments from customers on your behalf. Finally, they transfer the payments to you in batches after some time. This step is known as the **[settlement](https://www.cashfree.com/instant-settlements/?utm_source=blog&utm_medium=paymentaggregatorblog)**.
[](https://cashfree.com/?utm_source=blog&utm_medium=paymentaggregatorblog)
[**_Related Read: Reconciling your Payment: All You Need To Know_**](https://www.cashfree.com/blog/reconciling-your-payment/?utm_source=blog&utm_medium=paymentaggregatorblog)
A payment aggregator in India is incorporated under the Companies Act, 1956/2013.
Now, it can be a bank or a non-bank entity. Since a PA handles funds, it requires a _license from the Reserve Bank of India_ [1](https://rbi.org.in/).
However, only non-bank payment aggregators or PAs require unique authorisation from RBI. This is because ‘handling funds’ is considered a part of the normal banking relationships for bank PAs.
## Payment Aggregator Example: The Analogy You Need
Payment aggregators or merchant aggregators are **[platforms that help you offer various payment options](https://www.cashfree.com/payment-gateway-india/?utm_source=blog&utm_medium=paymentaggregatorblog)** in one place.
But let’s simplify things with an analogy.
Let us say you own a shop that sells clothes. You’ve been thinking of expanding out of India for a while now. So, you decide on building shops in London and China.
However, making clothes require factories, raw materials, chemical colours and lots more. While other things are manageable, building a factory in every part of the world is virtually impossible! So, you decide to outsource and hire clothes factories on rent. Now, you can focus on building good quality clothes, without worrying about the funding for new factories the world over.
This is **literally** all there is. The clothing business is synonymous with your business. The outsourced factory is the third party payment aggregator.
Let’s take the payment aggregator example here to bring it into context.
Let’s assume you’re a merchant looking to offer net banking payment options to your customer. **_(Just like the clothes merchant looking to expand his business)_**
Now, you cannot tie up with different banks as that would entail a lot of time in due diligence and integration procedures. Moreover, It would require a lot of capital. **_(Building a factory is a lot of work- and resources!)_**
This is where a [**payment aggregator**](https://www.cashfree.com/?utm_source=blog&utm_medium=paymentaggregatorblog) comes into play. A PA can offer you various payment options like cards, net banking, [**UPI**](https://www.cashfree.com/upi-payment-gateway/?utm_source=blog&utm_medium=paymentaggregatorblog), wallets, EMI, [**Pay Later**](https://www.cashfree.com/buy-now-pay-later/?utm_source=blog&utm_medium=paymentaggregatorblog) etc. under one roof.
In simple terms,
**_Outsource the factory=Trust a reliable payment aggregator_**
## How Do Payment Aggregators Work?
Here is the next obvious question after understanding what a PA is:
How exactly does it work?
Here’s the answer in simple steps:
### Payment Aggregators Provide Merchant Account
The payment aggregators [**onboard the merchants**](https://merchant.cashfree.com/merchants/signup?utm_source=blog&utm_medium=paymentaggregatorblog). Thereafter, they provide them with a sub-merchant account. Basically, the payment aggregators receive funds on behalf of the merchants.
This also means that the **PA uses its acquiring bank** to receive money from the customer.
Now, let’s understand how aggregator payment processing actually works.
### The Customer Heads To Checkout
The first step of the process is the customer selecting a product and heading to [**checkout**](https://www.cashfree.com/blog/top-6-digital-app-checkouts/?utm_source=blog&utm_medium=paymentaggregatorblog). They enter their payment details on the page page. The customer may choose to pay through UPI, cards, net banking, wallets or EMI options.
The **payment gateway tokenizes or encrypts these payment details**. ( [**VPA in UPI**,](https://www.cashfree.com/blog/vpa-in-upi/?utm_source=blog&utm_medium=paymentaggregatorblog) sensitive card information or bank details) The payment gateway also performs a fraud check before sending information to the acquiring bank.
### Payment Aggreagtor’s Acquirer Receives Transaction Information
The [**payment aggregator**](https://www.cashfree.com/?utm_source=blog&utm_medium=paymentaggregatorblog) works in the background while this process takes place. The transaction information is sent to the payment aggregator’s acquiring bank/acquirer.
After checking the details, the acquirer sends the customer information to the respective card company via the payment processor.
### Card Company Runs Fraud Check
Every card is issued by a card company like Visa, Mastercard or American Express. The card company verifies if the card is actually issued by them and runs a fraud check. Thereafter, it forwards the information to the Issuer Bank through the payment processor.
### Issuer Accepts/Declines the Transaction
The Issuing Bank or the Issuer is the customer’s bank. This bank verifies the customer’s details and checks if the customer has sufficient funds in their account.
After this, it sends a transaction approval or denial message to the card network. From here on, the information of transaction approval is passed through the same route it came from:
**Issuer> Card Networks> Acquiring Bank> Payment Gateway**
The payment gateway informs the merchant about the transaction status. In turn, the merchant informs the customer.
### Acquirer Requests For Funds
Now, this is what happened behind the scenes. Once the transaction is approved, the acquirer asks for funds from the Issuer. As we mentioned before, this is the acquiring bank connected to the payment aggregator.
### Payment Aggregator Settles Funds
The payment aggregator settles the funds in the merchant account. The settlement may be standard i.e. it requires T+ 2 to 4 days. **On the other hand, the** [**settlement**](https://www.cashfree.com/instant-settlements/?utm_source=blog&utm_medium=paymentaggregatorblog) **can be instant which can be as fast as 15 minutes!**
[](https://cashfree.com/instant-settlements?utm_source=blog&utm_medium=paymentaggregatorblog)
## Types of Payment Aggregators In India
Online payment aggregators in India can be of two types: They can either be a private platform or a PA provided by banks.
Before the early 2000s. Only banks are used to provide payment aggregator services. However, most merchants were looking for technological advances in payment solutions. Third-party payment aggregators filled the void by disrupting the market with innovative solutions.
Having said that, let’s study the two types of payment aggregators in detail.
### Third-Party Payment Aggregators
Newsflash: **[eCommerce](https://www.cashfree.com/solutions/ecommerce-payment-gateway/?utm_source=blog&utm_medium=paymentaggregatorblog)** sales are growing at an unprecedented rate. E-commerce sales are expected to hit _USD 8.1 trillion by 2026_ [2](https://www.statista.com/statistics/379046/worldwide-retail-e-commerce-sales/). In fact, even after the pandemic, India saw a _**36% increase in eCommerce orders in the last quarter of 2020**_ [3](https://www.ibef.org/industry/ecommerce-presentation) and _expects to reach USD 350 billion by 2030_.
This goes to show the important role payment aggregators will play in the future of eCommerce.
Most businesses are attracted to third party PAs because of their innovative payment products. Moreover, they have user-friendly features like seamless onboarding, a dashboard and reliable customer support.
Most of them charge low **[Transaction Discount Rates (TDR)](https://www.cashfree.com/payment-gateway-charges/)**, annual fees and charging setups. In fact, there are some third party payment aggregators that are even more budget-friendly. For instance, **[Cashfree](https://www.cashfree.com/?utm_source=blog&utm_medium=paymentaggregatorblog)** charges zero setup fees or annual maintenance charges (AMC).
**[_Related Read: Payment gateway charges India: Busting the free payment gateway myth_](https://www.cashfree.com/blog/payment-gateway-charges-india-free-payment-gateway/?utm_source=blog&utm_medium=paymentaggregatorblog)**
### Bank Payment Aggregators
These payment aggregators have high set-up costs and are harder to integrate. Their payment modes are not comprehensive. Moreover, reporting and analytics features are not present.
They are not suitable for startups and small businesses as they can prove to be expensive initially. Usually, large enterprises that want to work with multiple service providers use bank payment aggregators.
[**_Related Read: Multiple Payment Gateways: Guide for 2021_**](https://www.cashfree.com/blog/multiple-payment-gateways/?utm_source=blog&utm_medium=paymentaggregatorblog)
Now that we have covered the types of PAs, next move on to the next topic.
What exactly is the benefit of online payment aggregators? How do they help merchants? (apart from the obvious cost-saving reasons)
Well, let’s find out.
## Features of Online Payment Aggregator
Payment aggregators can help you with higher transaction success rates and a better customer experience. But how does it do all that?
Let’s find out.
### Easy Onboarding and Sub-Merchant Account
For starters, they can help you with a sub-merchant account. **Without a merchant account, you would not be able to accept payment from your customers.**
You would require your business address and registration proof, [**bank account statement**](https://www.cashfree.com/bank-account-verification/?utm_source=blog&utm_medium=paymentaggregatorblog), and [**PAN card**](https://www.cashfree.com/PAN-verification/?utm_source=blog&utm_medium=paymentaggregatorblog) details. Apart from that, there might be certain [**KYC procedures for merchant onboarding**](https://cashfree.com/blog/what-are-the-kyc-procedures-for-merchant-onboarding/?utm_source=blog&utm_medium=paymentaggregatorblog).
A suitable payment aggregator can help you onboard as a merchant in a matter of days. While the [**KYC and verification**](https://www.cashfree.com/kyc-verification/?utm_source=blog&utm_medium) procedures are digitized, creating a sub-merchant account requires time.
### Highly Secure
They ensure the **prevention and detection of fraud** through adequate data security infrastructures. Moreover, they follow information security policies and mitigate possible risks to the security of their payment systems.
In case of any cybersecurity breaches, PAs report the incident to DPSS and CERT-In (Indian Computer Emergency Response Team). Internally, they establish a procedure for handling and following up on these incidents.
Moreover, they undertake assessments for comprehensive security risks of their employees, business process environment etc. This helps identify risk exposures and apply remedial measures.
### Instant Refunds
According to a recent survey by Cashfree, [**17% of customers**](https://cashfree.com/blog/online-refunds-from-weeks-to-seconds/#Solving_refunds_at_Cashfree/?utm_source=blog&utm_medium=paymentaggregatorblog) **ask for a refund**. Moreover, they prefer the refund to be instant and through IMPS, wallet or UPI.
[](https://cashfree.com/instant-refunds?utm_source=blog&utm_medium=paymentaggregatorblog)
Now, usually, refunds take 7-10 days. This is because it involves a lot of players. Let’s have a look at how refunds usually go.
1. The customer raises a refund request. The merchant forwards the request to the payment gateway
2. The payment gateway, in turn, forwards the request to the Acquirer. The Acquiring bank settles the refund amount in the next settlement cycle with the payment gateway
3. Next, the Acquirer validates the customer details with the card company and Issuing bank. This is to ensure that the refund is credited to the source of payment. Generally, this is the most time-consuming process
On the other hand, the right payment aggregator will make refunds a breeze.
This is how the [**Instant Refund**](https://www.cashfree.com/instant-refunds/?utm_source=blog&utm_medium=paymentaggregatorblog/) process goes:
1. The customer raises a refund request
2. The payment aggregator pushes the payment back directly using a [**payout solution**](https://www.cashfree.com/payouts/?utm_source=blog&utm_medium=paymentaggregatorblog) instead of asking the bank to refund
That’s it. There is no step 3.
Alternatively put, the **payment gateway refunds the customer directly using a Payout solution** instead of asking the bank to refund Here, the refunds are instant and the customer gets a great customer experience.
### Instant Settlements
As mentioned, a payment aggregator can offer standard or instant settlements.
Usually, the payment aggregator credit the customer funds in T+2 days after deducting the Merchant Discount Rate. **[Instant settlements](https://www.cashfree.com/instant-settlements/?utm_source=blog&utm_medium=paymentaggregatorblog) can help you access your funds within 15 minutes of fund capture.**
In fact, instant settlement can be activated for particular transactions as well. This means that you can avail of the Instant Settlement feature on the transactions you select.
### Excellent Customer Support
Another important feature of a good payment aggregator is that it can aid you with excellent customer service. A **dedicated account manager** can be your point of contact. In case you encounter any roadblock during the onboarding process, they can help you with real-time assistance like live chat or helpline.
Now, ‘payment aggregator’ is often confused with the term ‘payment gateway’.
In reality, they are two different entities. However, there may be companies that provide merchants with both payment gateway and payment aggregator services.
## Payment Aggregator vs Payment Gateways
A Payment Aggregator offers the customers **various payment options so a merchant** does not need a separate integration system. A payment gateway (PG) is a company that **provides technology infrastructure to facilitate online payment processing**.
The main difference between a payment aggregator and a [**payment gateway**](https://www.cashfree.com/payment-gateway-india/?utm_source=blog&utm_medium=paymentaggregatorblog) is this. **A payment aggregator handles funds, while the gateway only provides the technology.**
If we were to draw out an analogy, here is how it would go.
Let us take the same analogy we took to explain the concept of a payment aggregator. We know that the clothes factory is analogous to the PA. Then, the machine inside the factory is the payment gateway. It is the technology making it all possible.
So, a PA will provide you with a merchant account, capture customer funds and settle them with you. A payment gateway will help you tokenize the customer payment details. Moreover, it will safely relay the information between the acquirer and customers.
Now that we have the basics covered, let’s dive deeper.
### Authorization
The criteria of authorization are mainly dependent on whether the entity (PA or PG) handles funds or not.
As we mentioned before, non-bank Payment aggregators require special authorization from RBI. Existing **non-bank PAs apply to the Department of Payment and Settlement Systems (DPSS)** for this authorization.
On the other hand, **payment gateways are considered ‘outsourcing partners’ or ‘technology providers’ of banks and non-banks**. So, bank Payment gateways have to follow the RBI regulation on “Managing Risks and Code of Conduct in Outsourcing of Financial Services by Banks[4](https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=3148&Mode=0)”
### Capital Requirements
**To have a payment aggregator licence, a company must reach and maintain a specific net worth**. Net worth is a combination of compulsorily convertible preference shares, paid-up equity capital, free reserves, the book value of intangible assets, etc.
According to the latest RBI regulation, existing ones have to achieve a net worth of at least ₹25 crores by March 31, 2023, and maintain it.
### Governance
The directors of **Payment Aggregators have to satisfy the ‘fit and proper’ criteria of RBI**.
On the other hand, the **top management/Board in Payment Gateway establish organisational processes and approves** policies pertaining to information security. The executive management implements the IT strategy approved by the board along with the IT Steering Committee.
### Safeguards Against Money Laundering
All **Payment Aggregators follow The Know Your Customer (KYC) / Anti-Money Laundering (AML) / Combating Financing of Terrorism (CFT) guidelines** issued by RBI. Moreover, they have to uphold the provisions of the Prevention of Money Laundering Act, of 2002.
Moreover, payment gateways run risk assessment procedures. This identifies any vulnerabilities or threats to the confidentiality or integrity of assets from a contractual or business compliance perspective.
### Merchant Onboarding
PAs have a merchant onboarding policy approved by the Board. They usually run background checks on their merchants to ensure that they do not have any mal intentions to dupe customers or sell fake products.
In addition to this, **Payment Aggregators ensure Payment Application-Data Security Standard (PA-DSS) and Payment Card Industry-Data Security Standard (PCI-DSS) compliance**.
Payment Aggregators might also carry out security audits of merchants’ sites to ensure that customer card-related data is not stored. In fact, Payment Aggregator agreements with merchants include incident reporting obligations and PA-DSS compliance rules.
The Payment Gateway follows similar rules during the merchant onboarding process. They undertake comprehensive security assessments to ensure that the merchants adhere to the baseline security controls.
**_[Related Read: Payment Gateway vs Payment Processor](https://www.cashfree.com/blog/difference-between-payment-gateway-and-payment-processor/?utm_source=blog&utm_medium=paymentaggregatorblog)_**
## Conclusion
Now, before we wrap up this guide, here’s something interesting.
**In India, a payment company can work as a PA with some banks and a payment gateway with others.** This is considered a hybrid model.
[](https://cashfree.com/?utm_source=blog&utm_medium=paymentaggregatorblog)
But I hope this blog gave you a thorough understanding of a payment aggregator and how it is different from a payment gateway.
Do you have any more questions on the topic? [**Reach out to our experts**](https://www.cashfree.com/contact-sales/?utm_source=blog&utm_medium=paymentaggregatorblog)!
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- [Google Pay Transaction](https://www.cashfree.com/blog/google-pay-transaction-limit/)
- [Fintech Companies in India](https://www.cashfree.com/blog/fintech-companies-in-india/)
- [UPI Integration](https://www.cashfree.com/blog/upi-integration/)
[cashfree payments](https://blogrevamp.cashfree.com/tag/cashfree-payments/) [merchant aggregator](https://blogrevamp.cashfree.com/tag/merchant-aggregator/) [online payment gateway](https://blogrevamp.cashfree.com/tag/online-payment-gateway/) [payment aggregator](https://blogrevamp.cashfree.com/tag/payment-aggregator/) [Payment Aggregator vs payment gateways](https://blogrevamp.cashfree.com/tag/payment-aggregator-vs-payment-gateways/) [payment processing](https://blogrevamp.cashfree.com/tag/payment-processing/) [payment solution](https://blogrevamp.cashfree.com/tag/payment-solution/)
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PayPal is so many things, it is a payment method, wallet, payment processor and more. Name international payment methods and you will find yourself thinking about PayPal.
PayPal is the most widely used payment method, accepted in over 200 countries. As a business selling globally, By offering PayPal as a payment option on your website you can make it easy for shoppers to pay the way they want, without leaving your website.
## Cashfree Supports Direct PayPal Integration
At Cashfree, we support 100+ payment modes for accepting domestic and international payments. As an international payment gateway, we support direct integration with PayPal allowing Cashfree merchants to connect their existing PayPal a/c with Cashfree and accept online payments in 28+ currencies.
## **How Much do I Pay for Showing PayPal as a Payment Option on Cashfree?**
PayPal integration in Cashfree Payment Gateway is FREE. If you decide to enable PayPal on your Cashfree checkout page, you will be bearing only [PayPal standard pricing](https://www.paypal.com/in/webapps/mpp/paypal-seller-fees), Cashfree does not charge any additional fees.
[Checkout payment mode-wise payment gateway charges here.](https://blogrevamp.cashfree.com/payment-gateway-charges/)
## **Steps to Integrate PayPal into Cashfree Payment Gateway**
Note: To integrate PayPal with Cashfree, you need to have an active PayPal Business Account. If you do not have the account you can activate your account [here](https://www.paypal.com/bizsignup/#/checkAccount).
Step 1: Login to [Cashfree Merchant Account](https://merchant.cashfree.com/merchant/login). Go to Payment Gateway Dashboard.
Step 2: From the left menu, select PayPal. Now click on
Step 3: Enter your PayPal Business Account username and password.
Step 4: Read the message carefully and click on .
Step 5: You will get a success message. Click on
Step 6: You will be directed to Cashfree PayPal Account screen. Here you will see that your PayPal account has been linked with Cashfree. On the right side, you can set the currency settings ( Default and Active currency).
That’s it. PayPal Integration on Cashfree happens instantly and you can start accepting payments in no time.
If you face any issues related to PayPal integration call your dedicated Cashfree Account Manager or write us at [care@cashfree.com](mailto:care@cashfree.com).
[cashfree payments](https://blogrevamp.cashfree.com/tag/cashfree-payments/) [online payment gateway](https://blogrevamp.cashfree.com/tag/online-payment-gateway/) [payment gateway integration](https://blogrevamp.cashfree.com/tag/payment-gateway-integration/) [payment solution](https://blogrevamp.cashfree.com/tag/payment-solution/)
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpaypal-integration%2F "Share on Facebook")[Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpaypal-integration%2F&text=%5BWhat%27s%20New%5D%20PayPal%20Integration%20in%20Cashfree%20Payment%20Gateway "Share on Twitter")[LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpaypal-integration%2F "LinkedIn")[Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpaypal-integration%2F&media=&description=%5BWhat%27s%20New%5D%20PayPal%20Integration%20in%20Cashfree%20Payment%20Gateway "Pinterest")
Author [Megha Vijay](https://blogrevamp.cashfree.com/author/meghacashfree/ "Posts by Megha Vijay")
#### Related Posts
[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
5 days ago
[](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/ "Cashfree Affiliate Partner Program: How is it the industry’s best partner program?")
### [Cashfree Affiliate Partner Program: How is it the industry’s best partner program?](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/)
1 month ago
[](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/ "Payment Fraud Red Flags & Prevention Tips for Business Security")
### [Payment Fraud Red Flags & Prevention Tips for Business Security](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/)
5 months ago
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
- [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
- [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
Submit
Type above and press _Enter_ to search. Press _Esc_ to cancel.
## Discover more from Cashfree Payments Blog
Subscribe now to keep reading and get access to the full archive.
Type your email…
Subscribe
[Continue reading](https://blogrevamp.cashfree.com/paypal-integration/#)
## D2C Payment Gateway
# D2C Payment Gateway
## Comprehensive growth stack for D2C brands
Increase conversion rate, deliver exceptional customer experiences, and lower costs with the industry's best D2C payment solutions.
- 20% higher conversions
- 30% fewer RTOs
- 40% higher AOV
[Create account](https://merchant.cashfree.com/merchants/signup?source-action=D2C%20PG&action=Sign%20Up&button-id=StartNow_Hero)
## Partner-in-growth for your D2C business
Our solutions are designed to help your business grow by increasing conversion and delighting your customers.
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
### Increase in conversion rate and order value
Use offers and industry’s widest EMI and Pay Later suite on your product display page and turn your website visitors into customers more effectively.
### Lightning-fast checkout with RTO intelligence
Use OTP logins, pre-filled addresses, and RTO intelligence to increase conversions, reduce cart abandonment, and prevent RTOs on your Shopify store.
### Multi-PG payments that guarantee zero downtime
Set your payments free by ensuring no single point of failure - leverage multiple payment aggregators with just one integration and get higher success rates.
### COD order management simplified
Prevent RTOs on COD orders with intelligent masking of COD on high-risk orders, and nudge COD orders to prepaid, automatically via WhatsApp.
Access the D2C growth stack, free for 1 month!
Ecom360, Checkout One, flowWise, BNPL Plus, Payment Gateway. Payment Links and more.
[Avail Offer](https://form.typeform.com/to/H1ZP08ob)
Complete growth solution for D2C brands
- Improve conversion rate
- Solve COD & RTO challenges
- Reduce high-risk customers
- Simplify refunds & settlements
- Delight your customers
Improve conversion rate
- ### <30 second checkout with address auto-fill
- ### EMI and Pay Later options visible on product pages
- ### Automated Payment Link SMS/Whatsapp for dropped customers
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Solve COD & RTO challenges
- ### 50% decrease in COD orders
- ### EMI and Pay Later options visible on product pages
- ### Automated Payment Link SMS/Whatsapp for dropped customers
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Reduce high-risk customers
- ### Leverage data on high risk customer behaviour
- ### Prevent chargeback and fraudulent transactions
- ### Safeguard your revenue and reputation
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Simplify refunds & settlements
- ### Issue refunds to your customers within minutes
- ### Issue COD refunds to your customers’ preferred account
- ### Receive your PG settlements faster
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Delight your customers
- ### Offer 200+ payment modes through 10+ payment aggregators
- ### Create a seamless checkout experience for your customers
- ### Increase your success rate by 10% with smart routing
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Improve conversion rate
Improve conversion rate
- ### <30 second checkout with address auto-fill
- ### EMI and Pay Later options visible on product pages
- ### Automated Payment Link SMS/Whatsapp for dropped customers
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Solve COD & RTO challenges
Solve COD & RTO challenges
- ### 50% decrease in COD orders
- ### EMI and Pay Later options visible on product pages
- ### Automated Payment Link SMS/Whatsapp for dropped customers
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Reduce high-risk customers
Reduce high-risk customers
- ### Leverage data on high risk customer behaviour
- ### Prevent chargeback and fraudulent transactions
- ### Safeguard your revenue and reputation
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Simplify refunds & settlements
Simplify refunds & settlements
- ### Issue refunds to your customers within minutes
- ### Issue COD refunds to your customers’ preferred account
- ### Receive your PG settlements faster
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Delight your customers
Delight your customers
- ### Offer 200+ payment modes through 10+ payment aggregators
- ### Create a seamless checkout experience for your customers
- ### Increase your success rate by 10% with smart routing
[Get a Callback](https://form.typeform.com/to/H1ZP08ob)
Create a custom growth stack for your D2C brand
[Customise Now](https://form.typeform.com/to/SHC4R4b1)
Ecom360
higher conversions with industry-best ~30s checkout and deliver a seamless shopping experience
[Know more](https://ecom360.club/)
flowWise
Boost your payment success rates by integrating with and routing payments through multiple PGs
[Know more](https://flowwise.com/)
CODfirm
Reduce RTOs while offering Cash on Delivery with OTP-based verification and RTO intelligence
[Know more](https://apps.shopify.com/cod-order-confirmation-1)
Payment Links
Recover abandoned carts by sharing payment links with your customers
[Know more](https://www.cashfree.com/payment-links/)
BNPL Plus
Increase customer conversions by 30% by offering EMIs, Pay Later options and offers on your product pages
[Know more](https://www.cashfree.com/bnpl-plus/)
Instant Refunds
Build trust among customers and create brand loyalty by issuing refunds instantly
[Know more](https://www.cashfree.com/instant-refunds/)
Instant Settlements
Choose from a wide range of settlement options and get your settlements in your account within minutes
[Know more](https://www.cashfree.com/instant-settlements/)
International Payment Gateway
Accept international payments from 100+ countries via international cards and Paypal wallet with T+2 settlement cycles
[Know more](https://www.cashfree.com/international-payment-gateway/)
Payment Gateway
Accept payments via any card, 65+ netbanking options, UPI, & other wallets, EMI and Pay Later options.
[Know more](https://www.cashfree.com/payment-gateway-india/)
## softPOS Payment Solution
Share
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fsoft-pos%2F "Share on Facebook") [Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fsoft-pos%2F&text=%5BWhat%E2%80%99s%20New%5D%20Introducing%20softPOS%20-%20Accept%20Contactless%20Payments%20From%20Any%20Android%20Device%C2%A0 "Share on Twitter") [Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fsoft-pos%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2022%2F03%2FsoftPOS-Thumbnail-1.png&description=%5BWhat%E2%80%99s%20New%5D%20Introducing%20softPOS%20-%20Accept%20Contactless%20Payments%20From%20Any%20Android%20Device%C2%A0 "Pinterest") [LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fsoft-pos%2F "LinkedIn") [Email](mailto:?subject=%5BWhat%E2%80%99s%20New%5D%20Introducing%20softPOS%20-%20Accept%20Contactless%20Payments%20From%20Any%20Android%20Device%C2%A0&body=https%3A%2F%2Fblogrevamp.cashfree.com%2Fsoft-pos%2F "Email")
Table of Contents
Toggle
Businesses traditionally have been heavily reliant on the cash economy. A transaction of INR 100/- with a local business would always result in fights for spare change.
To make SMEs owners’ lives easier, we are introducing an all-in-one business payment solution, softPOS.
softPOS Interest Form
Powered by Typeform
## softPOS by Cashfree Payments!
Accept Contactless Payments From Any Android Device 📱
Takes 45 sec
I Wanna Try softPOS
## What is softPOS by Cashfree Payments
softPOS by Cashfree Payments is an Android app that helps businesses accept digital payments on the go. Payments can be collected via QR code, tap and pay, cards, payment links, the buy now pay later option, and many more. With softPOS, businesses can record cash as well as online payments on a single interface and merge their online and offline world. [Try now](https://blogrevamp.cashfree.com/soft-pos/?utm_source=Blog&utm_medium=announcement&utm_campaign=softpos-launch)!
**Related Read**: [Offline Digital Payments](https://cashfree.com/blog/offline-digital-payments/?utm_source=Blog&utm_medium=announcement&utm_campaign=softpos-launch)
## Benefits of Using softPOS?
### Turn Any Android Device Into a POS Machine
You no longer need an external POS machine and configurations to get paid from customers.
**You can now simply download the softPOS Android app, connect your Cashfree Payments account, and get paid right away without the hassles of complex payment configurations.**
### Multiple Payment Modes
softPOS provides multiple payment modes for you to get paid. Accept payments via
- Tap and Pay (using your mobile phone’s NFC)
- Dynamic QR Code Scanning
- Payment Links
- Record Cash received at hand
What’s more? You can now make [reconciliation easier and straightforward](https://cashfree.com/blog/reconciling-your-payment/) for your business. Switch easily within payment modes for a higher success rate.
**Note:** To accept payments through Tap & Pay, smartphones phones should have Android level 28 (Pie) i.e. models after 2018 or above. For payments through the rest, Android level 23 is required.
**[Click here to learn more about softPOS by Cashfree Payments](https://blogrevamp.cashfree.com/soft-pos/?utm_source=blog&utm_medium=organic&utm_campaign=soft_pos_blog)**
### Higher Conversion Rates and Sales
You can now provide flexible payment options like Buy Now Pay Later, making shopping more convenient and fun for your customers. Attract customers who were hesitant to buy earlier.
### Empower Your Staff
Add agents to the dashboard, who can accept payments on your behalf. All collections will be reflected collectively on the merchant dashboard. Track and monitor the status of the transactions. Manage your business operations from anywhere.
[](https://blogrevamp.cashfree.com/contact-sales?utm_source=blog&utm_medium=organic&utm_campaign=soft_pos_blog)
[Sign up](https://blogrevamp.cashfree.com/soft-pos/?utm_source=blog&utm_medium=organic&utm_campaign=soft_pos_blog) for softPOS now and take the first step towards contactless in-store payments!
[cashfree payments](https://blogrevamp.cashfree.com/tag/cashfree-payments/) [softpos](https://blogrevamp.cashfree.com/tag/softpos/) [tap and pay](https://blogrevamp.cashfree.com/tag/tap-and-pay/)
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fsoft-pos%2F "Share on Facebook")[Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fsoft-pos%2F&text=%5BWhat%E2%80%99s%20New%5D%20Introducing%20softPOS%20-%20Accept%20Contactless%20Payments%20From%20Any%20Android%20Device%C2%A0 "Share on Twitter")[LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fsoft-pos%2F "LinkedIn")[Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fsoft-pos%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2022%2F03%2FsoftPOS-Thumbnail-1.png&description=%5BWhat%E2%80%99s%20New%5D%20Introducing%20softPOS%20-%20Accept%20Contactless%20Payments%20From%20Any%20Android%20Device%C2%A0 "Pinterest")
Author [meghabaid02](https://blogrevamp.cashfree.com/author/meghabaid02/ "Posts by meghabaid02")
#### Related Posts
[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
5 days ago
[](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/ "Cashfree Affiliate Partner Program: How is it the industry’s best partner program?")
### [Cashfree Affiliate Partner Program: How is it the industry’s best partner program?](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/)
1 month ago
[](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/ "Payment Fraud Red Flags & Prevention Tips for Business Security")
### [Payment Fraud Red Flags & Prevention Tips for Business Security](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/)
5 months ago
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
- [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
- [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
Submit
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## Discover more from Cashfree Payments Blog
Subscribe now to keep reading and get access to the full archive.
Type your email…
Subscribe
[Continue reading](https://blogrevamp.cashfree.com/soft-pos/#)
[Toggle photo metadata visibility](https://blogrevamp.cashfree.com/soft-pos/#)[Toggle photo comments visibility](https://blogrevamp.cashfree.com/soft-pos/#)
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## Cashfree Innovations
Innovation often begins with a simple question: What if? For Shubhi Maheswari, Prem Chand, Divyanshu Kumawat, Harshith Kanigalpula and Vibha…
[Read More](https://www.cashfree.com/blog/cashfree-hackathon-start-of-an-idea/)
#### [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
[View All](https://www.cashfree.com/blog/category/lifecashfree/)
[](https://www.cashfree.com/blog/career-growth-in-tech/)
In [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
## [Career growth in tech at Cashfree Payments](https://www.cashfree.com/blog/career-growth-in-tech/)
[8 months ago](https://www.cashfree.com/blog/career-growth-in-tech/) 4 Mins Read
Hailing from Odisha with roots in Andhra Pradesh, Bhargavi Meenavalli’s journey through tech has been as multidimensional as her background.…
[](https://www.cashfree.com/blog/cashfree-payments-design-principles/)
In [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
## [Building Better Payment Solutions: Cashfree Payments’ Design Principles](https://www.cashfree.com/blog/cashfree-payments-design-principles/)
[9 months ago](https://www.cashfree.com/blog/cashfree-payments-design-principles/) 3 Mins Read
In the dynamic world of fintech, giving users an intuitive product experience is crucial. People rely on fintech products to…
#### [Banking](https://www.cashfree.com/blog/category/verification-suite/)
[View All](https://www.cashfree.com/blog/category/verification-suite/)
#### [Payments](https://www.cashfree.com/blog/category/payments/)
[View All](https://www.cashfree.com/blog/category/payments/)
[](https://www.cashfree.com/blog/payouts-for-gig-economy/)
In [Payments](https://www.cashfree.com/blog/category/payments/)
## [Payouts for Gig Economy: Challenges and Solution](https://www.cashfree.com/blog/payouts-for-gig-economy/)
[March 25, 2023](https://www.cashfree.com/blog/payouts-for-gig-economy/) 7 Mins Read
How Payouts by Cashfree Payments can help businesses in making timely payments to workers in the gig economy.
[](https://www.cashfree.com/blog/corporate-credit-cards-for-vendor-payments/)
### [Why Businesses Should Use Corporate Credit Cards for Vendor Payments?](https://www.cashfree.com/blog/corporate-credit-cards-for-vendor-payments/)
[March 25, 2023](https://www.cashfree.com/blog/corporate-credit-cards-for-vendor-payments/)
[](https://www.cashfree.com/blog/union-budget-2023-simplified-kyc-for-user-onboarding-mitigating-aml-cft/)
### [Union Budget 2023: Simplified KYC for User Onboarding, Mitigating AML/CFT](https://www.cashfree.com/blog/union-budget-2023-simplified-kyc-for-user-onboarding-mitigating-aml-cft/)
[March 1, 2023](https://www.cashfree.com/blog/union-budget-2023-simplified-kyc-for-user-onboarding-mitigating-aml-cft/)
[](https://www.cashfree.com/blog/what-is-auto-debit/)
### [What is Auto Debit? Why is it Important for Businesses?](https://www.cashfree.com/blog/what-is-auto-debit/)
[February 28, 2023](https://www.cashfree.com/blog/what-is-auto-debit/)
[](https://www.cashfree.com/blog/subscription-management-guide/)
### [What is Subscription Management? Definition, Types & Features](https://www.cashfree.com/blog/subscription-management-guide/)
[February 28, 2023](https://www.cashfree.com/blog/subscription-management-guide/)
- [All](https://www.cashfree.com/blog/category/all/)
- [Payments](https://www.cashfree.com/blog/category/payments/)
- [What’s New](https://www.cashfree.com/blog/category/updates/)
- [Policy Radar](https://www.cashfree.com/blog/category/policy/)
- [Engineering](https://www.cashfree.com/blog/category/engineering/)
- [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
Submit
Type above and press _Enter_ to search. Press _Esc_ to cancel.
## Virtual Payment Solutions
## Auto Collect
Collect business payments with
# virtual account
&
## automate reconciliation
Collect funds seamlessly and use the power of unique
## virtual payment address & virtual bank account
to automatically reconcile all bank transfers to your account via UPI, NEFT, IMPS,and RTGS.
- ### Zero cost creation
- ### 365 days settlements
- ### Real-time alerts
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=auto%collect%VPA&action=Sign%20Up&button-id=StartNow_Hero) [View Documentation](https://docs.cashfree.com/docs/auto-collect)
## Virtual Payment Address
[Features](https://www.cashfree.com/virtual-payment-address/#deatures) [Pricing](https://www.cashfree.com/virtual-payment-address/#pricing)
Built for multi-branch/ franchisee or multi-department businesses
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=auto%collect%VPA&action=Sign%20Up&button-id=StartNow_BuiltForMultiBranch)
Running a multi-branch or franchisee-based business?
Create unlimited
## virtual payment addresses/ [UPI QR codes](https://www.cashfree.com/upi-qr-code/) and virtual bank accounts to
keep a track of individual branch sales in real-time
Recommended for
Restaurants, travel agencies, jewellery showrooms, theatres, pharmacies, quick eat outlets, and similar business.
Running a multi-department business as separate business cost centers?
Create a
## unique virtual payment addresses/ [UPI QR codes](https://www.cashfree.com/upi-qr-code/) or virtual bank accounts
for your individual customers, share with them and get instant notifications when funds are added to the wallets.
Recommended for
Hospitals, schools, universities, service centers - automobiles, and similar.
Managing wallets of multiple customers by offering financial services?
Create
## unique virtual payment addresses or virtual bank accounts
for your individual customers, share with them and get instant notifications when funds are added to the wallets.
Recommended for
Stock brokers, asset management companies and investment firms.
Got any other unique use case?
Do not worry, we have got you covered! Talk to our team.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=Autocollect%20Page&action=Contact%20Sales&button-id=ContactSales_BuiltForMultiBranch)
How does
## Cashfree Auto Collect
work?
Create, Collect and Reconcile Incoming Business Payments with Virtual Payment Addresses
- Virtual Bank Accounts
- Virtual Payment Address
Create
## unique virtual bank account
for each of your business units with Dashboards and REST APIs.
Branch/Franchisee/Customer makes a payment via NEFT, RTGS, IMPS, or via challan to the
## unique virtual bank account
provided to them.
Headquarter gets notified of successful payments via SMS and emails through webhooks, and the same gets reflected on the central dashboard.
Create unique virtual payment address for each of your business units with Dashboards and REST APIs.
Branch/Franchisee/Customer makes a payment via any UPI app - Google Pay, PhonePe, Whatsapp, etc
Headquarter gets notified of successful payments via SMS and emails through webhooks, and the same gets reflected on the central dashboard.
Virtual Bank Accounts
Create
## unique virtual bank account
for each of your business units with Dashboards and REST APIs.
Branch/Franchisee/Customer makes a payment via NEFT, RTGS, IMPS, or via challan to the
## unique virtual bank account
provided to them.
Headquarter gets notified of successful payments via SMS and emails through webhooks, and the same gets reflected on the central dashboard.
Virtual Payment Address
Create unique virtual payment address for each of your business units with Dashboards and REST APIs.
Branch/Franchisee/Customer makes a payment via any UPI app - Google Pay, PhonePe, Whatsapp, etc
Headquarter gets notified of successful payments via SMS and emails through webhooks, and the same gets reflected on the central dashboard.
Here is why leading businesses are using the power of
## virtual accounts
with Auto Collect
The most trusted and unique
## e-collect solution
in the market
### Real-Time Reconciliation
With the power of webhooks and dashboards, match all incoming business payments to individual branches/departments in real-time. Know who paid and when.
### 365-Days Flexible Payment Settlements
Enjoy 365-day payment settlements. From 30 minutes to 30 days, settle directly to your bank account 24x7 even on a bank holiday.
### \#\# Split Incoming Payments
Collect payments via Auto Collect, and automatically split with multiple parties based on predefined percentages and settlement cycles.
### Centralized Dashboard & Reporting
Stay on top of your daily, weekly, and monthly sales of each business unit with easy-to-read graphs and downloadable reports.
### Amount Lock and remitter Lock
Receive fixed funds from KYC approved customers only by enabling amount and remitter lock to further increase the accuracy of your reconciliation process.
### Activation Control & Payment Rejection
Create/deactivate virtual accounts in real-time. Transfers initiated to a disabled virtual account get auto rejected.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Autocollect%20Page&action=Sign%20Up&button-id=StartNow_HereIsWhyLeadingBusinesses) [View Developer Docs](https://docs.cashfree.com/docs/auto-collect)
PRICING
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Sign up for
## Auto Collect
today and manage your branch/department collections and reconciliation with ease.
- ### Zero Cost - Unlimited Virtual Payment Addresses
- ### Zero Cost - Unlimited Virtual Bank Accounts
Starting at
0.3% or ₹81% or ₹50
whichever is lower
Charged on each payment collected on Auto Collect.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=auto%collect%VPA&action=Sign%20Up&button-id=StartNow_Pricing)
ENTERPRISES
Custom pricing designed for enterprises
- Early access to new features
- Dedicated account manager
- Discounted pricing
- Support over WhatsApp in addition to other channels
Get in touch with our sales team to explore the right product(s) for your payment needs and get custom pricing.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=auto%collect%VPA&action=Contact%20Sales&button-id=ContactSales_Pricing)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### Is Autocollect the same as cash management services provided by banks?
Cashfree Autocollect helps not only collect incoming bank transfers and UPI payments but also track and automatically reconcile business payments. Also, [Cashfree Autocollect](https://www.cashfree.com/auto-e-collect/) uses Virtual accounts and Virtual UPI IDs to collect payments, while most banks do not provide this facility.
### What is a Virtual Account?
A Virtual Account is a pass-through account linked to a real bank account acting as a layer, specifically used to improve inward payment reconciliations. When a business receives payments from multiple sources and over a period of time, it gets difficult to track who paid and for which reason. This is usually reconciled manually by matching reference numbers in the bank statements with screenshots provided by a payer. By creating multiple virtual accounts mapped to the same account, it becomes easier to reconcile different incoming transactions into a bank account. A virtual account could be of 2 types virtual bank account or virtual payment address.
With Cashfree auto collect - cash management services, you can generate any number of virtual bank accounts or virtual payment addresses for each payer or invoice and share a/c details while receiving payments. For repeated customers you can use a dedicated virtual bank account or virtual payment address.
### What is a Virtual Bank Account?
A virtual bank account is type of virtual account which is a digital bank account that exists entirely online, without requiring any physical paperwork or face-to-face interactions with bank representatives. It is typically offered by non-bank financial institutions such as fintech companies and payment processors. A virtual bank account number is created using a software algorithm that generates a unique identifier that can be used to send and receive payments.
### What is a Virtual Payment Address?
A virtual payment address is a unique identifier that is used to send and receive payments through a specific payment system or platform. It is often used in the context of the Unified Payments Interface (UPI) system in India. In the UPI system, a virtual payment address is linked to a user s bank account and can be used to make and receive instant payments. The virtual payment address replaces the need for traditional bank account numbers and IFSC codes, and provides a simpler and more convenient way to make and receive payments.
### How does the challan flow works with virtual accounts?
Once a payer clicks on the NEFT/RTGS mode for making a payment, a challan is created which is nothing but a piece of document that has the bank account details of the benficiary
With the help of our Auto Collect solution, a virtual account gets created every time a transaction is initiated.
A unique prefix gets associated with the payment mode for example 808071- that acts as a Unique identifier
And a virtual account gets created with the combination of the unique prefix and Cashfree transaction id.
For example, if the transaction id is 564162, there will be a virtual account associated with this transaction. 808071564162.
Any incoming payment to this account number will be associated with this transaction and we will mark the transaction as successful and the amount will get settled to the merchant on T+1.
For instance, if TXN is successful on the 18th, the amount will be paid to the merchant on the 19th.
### Can I hold money in a Virtual Account?
No, it is not possible to hold money on a virtual account. The payment so received eventually passes to the linked bank account. The virtual account used here is used only for payment reconciliation.
### Some banks provide virtual bank account services, does cashfree have any advantage over such accounts? What are the shopify payment gateway India charges?
For most banks, virtual payment address/virtual bank account based payments can be received only using NEFT or RTGS; IMPS payments fail. The payments are not instant and restricted by banking hours. Using Cashfree’s Auto Collect solution, funds can be remitted to the virtual payment address/virtual bank account through all bank transfer modes including UPI, IMPS, NEFT, RTGS, and even Cheques. Cashfree also helps you create Virtual UPI IDs to accept payments through any UPI app such as WhatsApp or Google Pay. Moreover, for banks, reconciliation of payments happens through files sent over email, which is a once-a-day reconciliation process. For Cashfree, payment confirmation can be received through an API which is a real-time system update for receipt of funds. Cashfree also supports fully numeric virtual payment address/virtual bank account, unlike many banks which work on all bank interfaces -- alpha-numeric bank accounts provided by banks do not work on many of the older bank interfaces, especially on mobile.
### Can I use Auto Collect, the cash management services platform for outward payments as well?
No, however for automating outward payments you can use Cashfree Payouts. It is a bulk disbursal solution that helps you send money to any UPI-BHIM ID, Paytm wallet, debit and credit card, or bank account or native wallet. With the inbuilt bank account verification feature, you can also verify the bank account details and ensure that payments hit the right beneficiary bank account. Checkout Payouts here.
### Is any KYC required for creating a virtual account?
No, there is no KYC required for creating the account. You can create any number of virtual accounts and virtual UPI IDs using Cashfree cash management services.
### Are QR payments linked to a virtual payment address?
Yes, static QR codes are linked to a VPA. In the Unified Payments Interface (UPI) system in India, QR codes are often used to make payments by scanning the code and entering the amount to be paid. The QR code linked to a VPA, is a unique identifier that is used to send and receive payments through the UPI system. When a user scans the QR code, the UPI app automatically fetches the VPA associated with the code and enables the user to make the payment directly from their bank account linked to the VPA. So, in short, a QR code can be backed by a VPA in some payment systems like UPI.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### UPI QR
With unique printable QR code for each branch or franchisee, collect UPI payments via all UPI Apps and get transparency on all UPI payments collected.
[Learn More](https://www.cashfree.com/upi-qr-code/)
### Easy Split
Verify and onboard vendors, collect payments from customers, deduct commissions, and split payments between vendors or your own bank accounts.
[Learn More](https://www.cashfree.com/easy-split/split-payment-gateway/)
### Payment Links
No-code payment links to collect payments over WhatsApp, SMS, Facebook, Twitter and other channels.
[Learn More](https://www.cashfree.com/payment-links/)
### Subscriptions
Accept recurring payments by auto-debiting customers’ accounts via standing instructions on card, e-mandate via net banking option or UPI AutoPay.
[Learn More](https://www.cashfree.com/recurring-payment/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
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- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=auto%collect%VPA&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744093034917&cv=11&fst=1744093034917&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509683~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fvirtual-payment-address%2F&hn=www.googleadservices.com&frm=0&tiba=Virtual%20payment%20address%20for%20business%20collection%20%26%20payments%20reconciliation&npa=0&pscdl=noapi&auid=115197889.1744093035&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744093034972&cv=11&fst=1744093034972&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5441v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509683~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fvirtual-payment-address%2F&hn=www.googleadservices.com&frm=0&tiba=Virtual%20payment%20address%20for%20business%20collection%20%26%20payments%20reconciliation&npa=0&pscdl=noapi&auid=115197889.1744093035&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744093034965&cv=11&fst=1744093034965&fmt=3&bg=ffffff&guid=ON&async=1&gcl_ctr=1>m=45be5441v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102509683~102788824~102803279~102813109~102887800~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fvirtual-payment-address%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=Virtual%20payment%20address%20for%20business%20collection%20%26%20payments%20reconciliation&npa=0&pscdl=noapi&auid=115197889.1744093035&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=841603055.1744093035>m=45je5441v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=2139806884)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Understanding Payment Ecosystems
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Table of Contents
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Flash, one-click, lightning-fast, when it comes to payments in India, speed is the norm. Tap a button, snap your fingers, or blink an eye, and the payment is complete.
But have you ever wondered how a payment is actually processed? Or how an entire ecosystem of banks, networks, fintechs, and regulators work seamlessly together to make it happen?
Let’s take a peek under the hood and explore the fascinating, ever-evolving world of payments!
My entire professional journey has been rooted in banking, finance, payments, technology, and fintech. And those who have worked in this ecosystem often use jargon and terms that can seem incomprehensible to others.
So, before we dive deep into the world of payments, let’s first understand the _language_ of payments.
## Chapter 1: **Payments Language**
Understanding the language of payments is crucial because it lays the foundation for grasping how the entire ecosystem works. Payments are powered by a web of interconnected players, processes, and technologies, each with its own terminology. By decoding these terms, we can better appreciate the intricacies of payments and how they seamlessly power our everyday transactions.
- **PA (Payment Aggregator)**
In India, Payment Aggregators are RBI-licensed regulated entities that offer collection services to merchants. They collect money on behalf of merchants using various different approved payment methods. This ensures that merchants operate within the legal bounds set by different regulators.
- **PG (Payment Gateway)**
[Payment Gateways](https://www.cashfree.com/payment-gateway-india/?utm_source=blog&utm_medium=organic&utm_campaign=dive-hood-payment-ecosystem/) offer all technical services as that of a PA, except for collecting funds on behalf of the merchant. Generally, a PG offers its payments technology stack with a PA in the backend for handling funds.
- **Acquiring Bank**
An Acquiring Bank is simply a bank that a merchant or a PA appoints for collecting funds. This bank represents the merchant/PA in the banking ecosystem and assumes all associated risks and responsibilities.
- **Issuing Bank**
An Issuing Bank usually refers to a consumer’s bank account, from which they make payments. In a case where a customer uses a credit card, the issuing bank is the bank that issued the credit card. In the case of UPI, the issuing bank is the underlying bank account linked to theVPA **.**
- **Switch**
A switch is software that follows specific rules set by regulators, networks, or intermediaries to process payments. Banks use this technology to handle transactions when they issue cards or accept payments.
- **2FA**
Two-Factor Authentication (2FA) is a security method that requires two steps to verify a customer’s identity. For example, in making a card payment, the first step is entering the card details like the card number and CVV. The second step is entering the OTP (one-time password) sent to your phone.
- **TID**
A Terminal ID is a unique identifier issued by acquiring banks to identify a merchant. It is assigned based on a combination of the Payment Aggregator (PA) and merchant context.
- **Hosted Checkout Page**
This is simply a checkout page provided by the [Payment Aggregator](https://www.cashfree.com/payment-gateway-india/?utm_source=blog&utm_medium=organic&utm_campaign=dive-hood-payment-ecosystem) (PA) or Payment Gateway (PG), designed to look like the merchant’s own payments page through branding and customization. The PA/PG manages all payment-related compliances on behalf of the merchant, ensuring a seamless and secure transaction experience.
- **Native Checkout Page**
A Native Checkout Page is a checkout interface owned and hosted directly by the merchant. Payments are processed through APIs provided by the Payment Aggregator (PA), ensuring seamless transactions while maintaining compliance. This approach is typically adopted by merchants with high transaction volumes.
- **Subscription**
Subscriptions refer to recurring payments where the merchant charges the customer at regular intervals without requiring approval for each transaction. This allows for seamless automated billing at the agreed-upon frequency.
- **PPI**
Prepaid Instruments are a form of electronic payment that lets users store funds in advance to pay for goods and services, access financial services, or make remittances. Examples include digital wallets.
- **Chargeback**
A chargeback occurs when a consumer disputes a transaction, typically due to non-delivery of goods or services, and the merchant fails to provide a refund. The issuing bank steps in to mediate between the consumer and the merchant, ensuring the dispute is resolved fairly and in favor of the rightful party.
#### **Card Specific Language**
Network/Scheme
ACS
Token
Cryptogram
PAN
3DS
#### **UPI Specific Language**
TPAP
PSP
VPA
INTENT
COLLECT
QR
#### **Technology Language**
APIs
SDKs
Having learned the language of payments, you’re now equipped to “talk the talk” and understand discussions about payments.
Payments function as an ecosystem, with multiple players and their respective technology stacks involved in processing a payment. Since there are numerous participants engaged, various workflows and API calls are executed to complete a transaction.
You can think of payments as a relay race, where each participant passes the baton to the next until the race concludes. The winning team, or the most efficient system, is determined by:
- **Faster athletes**: Fast and responsive technology and processes.
- **Reliable baton passing**: Smooth collaboration between different players in the ecosystem.
- **Great understanding of the rules**: Knowledge of the regulations set by payment and external regulatory bodies.
- **Practice & coaching**: The ability to scale and the robustness of technology tested with multiple merchants and banks.
To better understand this relay, we will now look at a payment workflow, focusing on UPI as the payment method.
## Chapter 2: **Payment Workflows**
Chances are, you’ve made an online purchase from an e-commerce site or a D2C brand, booked a ticket online, or made a payment for one of your utility needs. These everyday transactions are part of the seamless and fast-paced world of online payments that we rely on for convenience and efficiency.
Behind the scenes, however, there is a complex network of technology, processes, and regulations working together to ensure that each payment is processed securely and without delay. From the moment you click “pay,” multiple players are involved in ensuring that your transaction goes through smoothly, making it important to understand the journey of a payment.
Now, imagine you’ve selected your product or service and reached the payments page. Some websites or apps feature a native payments page, owned by the merchant, where the payment process is seamless. Others use a hosted checkout page, where you’re redirected to a page hosted by a Payment Aggregator (PA).
In this scenario, let’s say you choose to pay via UPI, and the brand you’re purchasing from is using a Cashfree Payments hosted checkout page. The following image will give you an understanding about all the various steps involved in the payment process from start to finish.
Workflows are what make payments both fascinating and complex. The workflow outlined below represents one of the simplest processes in payments. However, there are many other payment instruments, such as cards, net banking, pay-later options, and EMIs, that introduce additional layers of interaction between various parties.
This is where business and technology converge, creating a dynamic payments fintech ecosystem. And, needless to say, India is leading the way in this rapidly evolving space.
## Chapter 3: Payments Business
In this final chapter, we learn how to visualize the payments business, breaking it down through a consumer-first approach focused on channels. There are two main payment channels: offline and online. Whether you’re making an online purchase or paying in person at a store, these two channels define how payments are made. Offline doesn’t mean disconnected from the internet; it simply refers to physically being present while making the payment.
Consumers interact with an interface during every payment, whether it’s an online checkout page, a POS machine offline, or a QR code (either online or in-store). These interfaces are what the consumer sees and understands, making them visually intuitive and easy to grasp.
For merchants, the challenge lies in the application of these interfaces. An online merchant must determine how to integrate a checkout page within their app, choose the appropriate technology stack, and decide whether to use an SDK or APIs. Similarly, an offline merchant must figure out how to integrate a POS system or dynamic QR codes. This is where the application layer of a Payment Aggregator (PA) or [Payment Gateway](https://www.cashfree.com/payment-gateway-india/?utm_source=blog&utm_medium=organic&utm_campaign=dive-hood-payment-ecosystem)(PG) plays a crucial role, enabling seamless integration for merchants.
**Paymodes**, such as debit/credit cards, UPI, net banking, wallets, and pay-later options, are what issuing banks offer to consumers. Each paymode serves a specific need, and today’s consumers have access to multiple payment instruments. Offering a wide range of paymodes increases sales conversion and customer satisfaction.
From a PA perspective, businesses come in all shapes and sizes, with different needs depending on their scale. An entrepreneur running their business on Instagram or WhatsApp may have different requirements compared to a large organization with hundreds of employees. This is where the value-added services (VAS) on top of core payments come into play. A PA must adapt its products to meet various merchant needs, evolve with them as their businesses grow, and ensure that collection processes remain efficient.
Lastly, one of the most critical aspects of any business is distribution. For a PA, effective distribution channels include direct merchant acquisition, partners and orchestrators, bank referrals, and **TSP (Third-Party Service Provider)** solutions, all of which help expand the reach and success of their payments business.
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Author [Yogesh Miglani](https://blogrevamp.cashfree.com/author/yogesh-miglani/ "Posts by Yogesh Miglani")
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[](https://www.cashfree.com/blog/difference-between-payment-gateway-and-payment-processor/)
### [Payment Gateway VS Payment Processor: Key Differences & Examples](https://www.cashfree.com/blog/difference-between-payment-gateway-and-payment-processor/)
[January 20, 2023](https://www.cashfree.com/blog/difference-between-payment-gateway-and-payment-processor/)
[](https://www.cashfree.com/blog/shopify-india-tips-to-choose-best-shopify-payment-gateway/)
### [Shopify India: Tips To Choose The Best Shopify Payment Gateway For Your Business](https://www.cashfree.com/blog/shopify-india-tips-to-choose-best-shopify-payment-gateway/)
[January 17, 2023](https://www.cashfree.com/blog/shopify-india-tips-to-choose-best-shopify-payment-gateway/)
- [All](https://www.cashfree.com/blog/category/all/)
- [Payments](https://www.cashfree.com/blog/category/payments/)
- [What’s New](https://www.cashfree.com/blog/category/updates/)
- [Policy Radar](https://www.cashfree.com/blog/category/policy/)
- [Engineering](https://www.cashfree.com/blog/category/engineering/)
- [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
Submit
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## UPI Payment Gateway
# UPI Payment Gateway
## Collect UPI Payment
s easily from your customers
Accept payments from any UPI app. Choose from a range of
## UPI integration
for the desired payment flow and achieve highest
## UPI success rates
.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=UPI%20PG&action=Contact%20Sales&button-id=ContactSales_Hero)
Supported UPI Apps
Believe it or not, we have the lowest prices!
3,11,917+6,00,000+
Businesses served
USD 42B+USD 80B+
Processed annually
312M+600M+
Bank accounts served
INTRODUCING
UPI Switch by
Cashfree Payments
- ### Get quicker access to the latest features enabled by NPCI
- ### Reduce payment failures by 20%
- ### Process ∼12K transactions per second
- ### Reduce latency by 30%
- ### Manage refunds and disputes hassle-free
[Sign Up](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_UPISwitchBanner)
Offer multiple checkout options with
## UPI Payment Gateway
- UPI Intent flow
- UPI Dynamic QR code
- Whatsapp UPI Links
- Collect UPI flow
Your browser does not support the video tag.
UPI Intent flow
Simplify
## UPI payments
for your customer by automatically opening UPI apps installed in customer’s mobile for faster checkout.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_UPIIntentFlow)
Your browser does not support the video tag.
UPI Dynamic QR code
## Generate QR code
on your website checkout page and let customers scan and pay using any UPI app.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_UPIDynamicQRcode)
Your browser does not support the video tag.
Whatsapp UPI Links
## Generate UPI link
and share with customers over WhatsApp and get paid instantly.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_WhatsappUPILinks)
Your browser does not support the video tag.
Collect UPI flow
Send a payment collect request to the customer’s phone number or UPI ID and accept payments via UPI.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_CollectUPIFlow)
UPI Intent flow
Your browser does not support the video tag.
UPI Intent flow
Simplify
## UPI payments
for your customer by automatically opening UPI apps installed in customer’s mobile for faster checkout.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_UPIIntentFlow)
UPI Dynamic QR code
Your browser does not support the video tag.
UPI Dynamic QR code
## Generate QR code
on your website checkout page and let customers scan and pay using any UPI app.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_UPIDynamicQRcode)
Whatsapp UPI Links
Your browser does not support the video tag.
Whatsapp UPI Links
## Generate UPI link
and share with customers over WhatsApp and get paid instantly.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_WhatsappUPILinks)
Collect UPI flow
Your browser does not support the video tag.
Collect UPI flow
Send a payment collect request to the customer’s phone number or UPI ID and accept payments via UPI.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_CollectUPIFlow)
Hear from our CUSTOMERS
Indian businesses trust us with their
## UPI payment
needs
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_HearFromOurCustomers)
“As a service that prioritises convenience, our association with Cashfree Payments enables a seamless UPI payment experience for our customers.”
Amritansu Nanda
Chief Marketing Officer, Zepto
“We saw that the UPI success percentages with other payment aggregators were a little low. With Cashfree’s Payment Gateway, we experienced a tremendous increase in our success rates in UPI. This has helped us increase our customer conversion ratio.”
Parasar Sarma
Vice President of Growth, Wakefit
- 1
- 2
## UPI Payment Gateway
suite tailor-made for your business needs
- ## UPI Payment Links API
- Dynamic QR code
- Static QR code
- ## Virtual UPI ID
for B2B Payments
- UPI AutoPay
- UPI one-time mandate
## UPI Payment Links API
- ### APIs that are easy to integrate
- ### Embed links on your website or mobile app
- ### Allow your users to pay without entering the amount
[Check documentation](https://docs.cashfree.com/reference/createpaymentlink)
Dynamic QR code
- ### Generate and display dynamic QR code on your website or softPOS app
- ### Use our APIs and make it easy for your customers to pay
[Check documentation](https://docs.cashfree.com/reference/create-dynamic-qr-code)
Static QR code
Manage your offline payments collection easily by generating QR code from your desktop or your softPOS app.
[Learn more](https://www.cashfree.com/soft-pos/)
## Virtual UPI ID
for B2B Payments
- ### Create unique virtual UPI IDs assigned to every payer
- ### Automatically reconcile all the UPI payments received from different customers
- ### Allow your users to pay without entering the amount
[Learn more](https://www.cashfree.com/virtual-payment-address/)
UPI AutoPay
Automate recurring payments collection upto ₹15,000 with one time UPI mandate authorization and grow your subscription business.
[Learn more](https://www.cashfree.com/upi-autopay/)
UPI one-time mandate
Hold customer payments via one-time mandate pre-authorizationfrom any UPI app. Without manual intervention, you can auto-debit from your customer’s accounts on the authorized date.
## UPI Payment Links API
## UPI Payment Links API
- ### APIs that are easy to integrate
- ### Embed links on your website or mobile app
- ### Allow your users to pay without entering the amount
[Check documentation](https://docs.cashfree.com/reference/createpaymentlink)
Dynamic QR code
Dynamic QR code
- ### Generate and display dynamic QR code on your website or softPOS app
- ### Use our APIs and make it easy for your customers to pay
[Check documentation](https://docs.cashfree.com/reference/create-dynamic-qr-code)
Static QR code
Static QR code
Manage your offline payments collection easily by generating QR code from your desktop or your softPOS app.
[Learn more](https://www.cashfree.com/soft-pos/)
## Virtual UPI ID
for B2B Payments
## Virtual UPI ID
for B2B Payments
- ### Create unique virtual UPI IDs assigned to every payer
- ### Automatically reconcile all the UPI payments received from different customers
- ### Allow your users to pay without entering the amount
[Learn more](https://www.cashfree.com/virtual-payment-address/)
UPI AutoPay
UPI AutoPay
Automate recurring payments collection upto ₹15,000 with one time UPI mandate authorization and grow your subscription business.
[Learn more](https://www.cashfree.com/upi-autopay/)
UPI one-time mandate
UPI one-time mandate
Hold customer payments via one-time mandate pre-authorizationfrom any UPI app. Without manual intervention, you can auto-debit from your customer’s accounts on the authorized date.
UPI glossary
UPI
Unified Payments Interface (UPI) is real-time, secure payment system developed by National Payments Corporation of India (NPCI). It helps in immediate money transfer easily through mobile device 24\*7 and 365 days.
UPI ID
UPI ID is a unique identifier to each UPI linked bank account and are used to facilitate payments between customers and merchants. It provides a Virtual Payments Address (UPI VPA) to enter when transferring money to the account linked to a UPI ID.
UPI PIN
UPI PIN is a unique 4 or 6 digit pin that the user has to set to authenticate every payment made via UPI apps.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is a UPI Payment Gateway?
A UPI (Unified Payments Interface) payment gateway is a digital service that facilitates online transactions via the UPI infrastructure. It's essentially a bridge between a customer's bank account and a merchant's bank account, allowing for instant money transfers through a secure, real-time system.
### How does a UPI Payment Gateway work?
The following stages are involved in a UPI transaction -
**Initiation:** A customer initiates a transaction on a website or app, selecting UPI as their preferred payment method.
**UPI Interface:** The UPI payment gateway presents the customer with an interface to enter their UPI ID (also known as a Virtual Payment Address or VPA). Alternatively, the customer may be presented with a QR code to scan using their UPI-enabled mobile app.
**Authorization:** The customer authorizes the transaction on their UPI app, typically by entering a secure PIN.
**Completion:** Once authorized, the transaction is processed in real time. The funds are transferred directly from the customer's bank account to the merchant's bank account.
**Confirmation:** The merchant and the customer receive confirmation of the transaction.
A UPI payment gateway is useful for businesses because it allows them to accept payments directly from a customer's bank account, simplifying the payment process and reducing the reliance on physical card infrastructure. It also enables customers to make payments anytime, anywhere, using just their mobile device.
### What is the maximum transaction limit for a customer?
The UPI transaction limit can vary from bank to bank, but generally, the UPI transaction limit per day is set at ₹ 1 lakh, as defined by the National Payments Corporation of India (NPCI). The limit can be categorized into two aspects:
**Limit of the transaction amount:** the maximum amount of money that can be transferred via UPI.
**Frequency:** the number of UPI transactions a person can do in a day.
For instance, State Bank of India (SBI) has a UPI limit per day of ₹ 1,00,000. Some banks also set a limit for how much can be transferred through UPI in a week. For example, IDFC bank has a UPI limit per week of ₹ 1,00,000. For more details, read [here.](https://www.cashfree.com/blog/upi-transaction-limit/)
### Do I need to pay any charge to collect UPI payments for my business using Cashfree?
For merchants using Cashfree's Payment Gateway,we charge **0% MDR per transaction** on collections using UPI payment mode. Read mode wise pricing [here](https://www.cashfree.com/payment-gateway-charges/) in detail.
### How can I collect payments using UPI payment gateway for my business?
As a merchant, you don’t have to integrate with different UPI apps separately. You can integrate Cashfree Payments UPI Payment Gateway with your website or mobile app to offer 20+ UPI apps to your customers in one place. For step-wise integration guide, watch [this video.](https://www.youtube.com/watch?v=oSosi4waSR0)
### When does the business owner get the money that was paid using UPI?
In UPI, the money is settled as per mutually agreed upon settlement terms. Default settlement cycle is (T+2)\* days where (T) is the day of transaction. Many businesses with Cashfree opt for [instant settlements](https://www.cashfree.com/blog/instant-settlements/) to manage their working capital effectively.
### What are the different UPI payment apps supported by Cashfree Payment Gateway?
The UPI Payment Gateway provided by Cashfree is compatible with all PSPs such as PhonePe, Google Pay, Paytm, CRED, among others. For a comprehensive list, please visit [https://www.npci.org.in/what-we-do/upi/3rd-party-apps](https://www.npci.org.in/what-we-do/upi/3rd-party-apps)
### How can I collect payments via UPI QR code?
To support the requirements of omni-channel merchants which has both offline and online presence, Cashfree Payments offers Static QR under Payment Gateway where merchant can generate one (or) multiple Static QR codes, where they can accept payment of any amount. A dynamic QR code, on the other hand, has a fixed amount linked to it. Customers can pay only the fixed amount assigned to the QR code. For each transaction, a unique dynamic QR code is generated with a pre-defined payment amount.
Based on your customer use case, you can choose between static and dynamic QR codes to accept payments. Read more about UPI QR code [here.](https://www.cashfree.com/upi-qr-code/)
### How does Cashfreee ensure higher success rates on UPI transactions?
Cashfree's UPI Payment Gateway has deep integration with 8+banks and uses state-of-the-art real time dynamic routing between multiple banks to maximise the success rate for its customers.
### Is there a separate integration required to accept UPI payments on Cashfree Payment Gateway?
Absolutely not! If you are a merchant using Cashfree Payment Gateway, no additional activation is required to start using UPI for accepting payments. To get access to merchant dashboard of Payment Gateway, [connect](https://www.cashfree.com/contact-sales/?source-action=Home%20page&action=Contact%20Sales&button-id=ContactSales_Hero) with us.
### How safe are UPI payments?
Unified Payments Interface (UPI) transactions are generally considered safe due to several security features and protocols established by NPCI -
**Two-Factor Authentication:** UPI transactions require two-factor authentication, which typically involves a combination of something the user knows (like a password) and something the user has (like a mobile phone). This significantly reduces the risk of unauthorized transactions.
**Encryption:** UPI transactions are encrypted, which means that the data sent over the network is scrambled and can only be read by the intended recipient.
**Regulation:** UPI is regulated by the Reserve Bank of India and developed by the National Payments Corporation of India (NPCI), ensuring a high standard of security and regulatory oversight.
**Transaction Limits:** UPI has daily transaction limits which provide an additional layer of protection against fraud.
**Immediate Alerts:** Users receive instant notifications for all transactions, allowing them to quickly detect and report any suspicious activity.
However, users can mitigate risks by being vigilant, never sharing their UPI PIN with anyone, keeping their mobile operating system and UPI apps up-to-date, and only conducting transactions with trusted parties.
### What are the different UPI checkout flows I can explore for my website/app?
Cashfree UPI Payment Gateway is built to serve all business needs effectively. The 4 workflows supported for UPI checkout experience include -
- UPI Intent flow
- UPI Dynamic QR code
- Whatsapp UPI Links
- Collect UPI flow
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
\\* Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=UPI%20PG&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744093037461&cv=11&fst=1744093037461&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5470h2v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fupi-payment-gateway%2F&hn=www.googleadservices.com&frm=0&tiba=UPI%20Payment%20Gateway%20by%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1720225615.1744093036&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&data=event%3Dgtag.config)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744093037532&cv=11&fst=1744093037532&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5470h2v9142270473z878767670za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fupi-payment-gateway%2F&hn=www.googleadservices.com&frm=0&tiba=UPI%20Payment%20Gateway%20by%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1720225615.1744093036&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&fledge=1&_tu=Cg)[iframe](https://td.doubleclick.net/td/rul/833766583?random=1744093037518&cv=11&fst=1744093037518&fmt=3&bg=ffffff&guid=ON&async=1>m=45be5470h2v9142270473za200zb78767670&gcd=13l3l3l3l1l1&dma=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&u_w=1280&u_h=1024&url=https%3A%2F%2Fwww.cashfree.com%2Fupi-payment-gateway%2F&label=JAUcCLrHj_8ZELeJyY0D&hn=www.googleadservices.com&frm=0&tiba=UPI%20Payment%20Gateway%20by%20Cashfree%20Payments&npa=0&pscdl=noapi&auid=1720225615.1744093036&uaa=x86&uab=64&uafvl=Google%2520Chrome%3B135.0.7049.52%7CNot-A.Brand%3B8.0.0.0%7CChromium%3B135.0.7049.52&uamb=0&uam=&uap=Linux%20x86_64&uapv=6.6.72&uaw=0&ec_mode=a&fledge=1&capi=1&data=event%3Dconversion&em=tv.1&ct_cookie_present=0)[iframe](https://td.doubleclick.net/td/ga/rul?tid=G-N3JT838K9P&gacid=2124569300.1744093038>m=45je5470h2v867884665z878767670za200zb78767670&dma=0&gcd=13l3l3l3l1l1&npa=0&pscdl=noapi&aip=1&fledge=1&frm=0&tag_exp=102788824~102803279~102813109~102887799~102926062~102975949~103016951~103021830~103027016~103047562&z=1067111013)
[iframe](https://gum.criteo.com/syncframe?topUrl=www.cashfree.com&origin=onetag#{"bundle":{"identifierExtractor":{"origin":0},"value":null},"cw":true,"optout":{"identifierExtractor":{"origin":0},"value":null},"origin":"onetag","tld":"cashfree.com","topUrl":"www.cashfree.com","version":"5_35_0","ifa":{"identifierExtractor":{"origin":0},"value":null},"lsw":true,"pm":0})
## Life At Cashfree
Category
## Life At Cashfree
_Category_
Being a problem-solver is one of the first signs of a passionate engineer and that’s exactly what has always drawn…
[Read More](https://blogrevamp.cashfree.com/scaling-careers-scaling-innovation-cashfree-growth-story/)
[](https://blogrevamp.cashfree.com/cashfree-hackathon-start-of-an-idea/)
In [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
## [How did a hackathon idea turn into one of Cashfree Payments’ biggest year-end projects?](https://blogrevamp.cashfree.com/cashfree-hackathon-start-of-an-idea/)
[3 weeks ago](https://blogrevamp.cashfree.com/cashfree-hackathon-start-of-an-idea/) 5 Mins Read
Innovation often begins with a simple question: What if? For Shubhi Maheswari, Prem Chand, Divyanshu Kumawat, Harshith Kanigalpula and Vibha…
[](https://blogrevamp.cashfree.com/women-at-cashfree-drive-fintech-innovation/)
In [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
## [How Women at Cashfree Payments Drive Fintech Innovation \| Women’s Day 2025](https://blogrevamp.cashfree.com/women-at-cashfree-drive-fintech-innovation/)
[3 weeks ago](https://blogrevamp.cashfree.com/women-at-cashfree-drive-fintech-innovation/) 7 Mins Read
Behind every secure transaction and seamless payment experience are diverse perspectives and inclusive decision-making at play. This is especially true…
[](https://blogrevamp.cashfree.com/anubhav-sharma-cybersecurity-journey/)
In [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
## [How does Cashfree Payments support career development for tech professionals?](https://blogrevamp.cashfree.com/anubhav-sharma-cybersecurity-journey/)
[2 months ago](https://blogrevamp.cashfree.com/anubhav-sharma-cybersecurity-journey/) 3 Mins Read
“I was always fascinated by how things break,” says Anubhav Sharma, Senior Product Security Engineer at Cashfree Payments. Hailing from…
[](https://blogrevamp.cashfree.com/tech-bytes-and-coffee-at-cashfree-payments/)
In [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
## [What is ‘Tech Bytes and Coffee’ at Cashfree Payments?](https://blogrevamp.cashfree.com/tech-bytes-and-coffee-at-cashfree-payments/)
[2 months ago](https://blogrevamp.cashfree.com/tech-bytes-and-coffee-at-cashfree-payments/) 3 Mins Read
At Cashfree Payments, we nurture a culture where continuous learning drives innovation and strengthens our collective growth. In July of…
[](https://blogrevamp.cashfree.com/driving-innovation-in-2025/)
In [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
## [How Cashfree Payments is Driving Innovation in 2025](https://blogrevamp.cashfree.com/driving-innovation-in-2025/)
[2 months ago](https://blogrevamp.cashfree.com/driving-innovation-in-2025/) 3 Mins Read
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[](https://blogrevamp.cashfree.com/how-cashfree-payments-enhanced-employee-well-being-in-2024/)
In [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
## [How Cashfree Payments Enhanced Employee Well-being in 2024](https://blogrevamp.cashfree.com/how-cashfree-payments-enhanced-employee-well-being-in-2024/)
[2 months ago](https://blogrevamp.cashfree.com/how-cashfree-payments-enhanced-employee-well-being-in-2024/) 4 Mins Read
At Cashfree Payments, we know that our people are our greatest asset, and their well-being is our top priority. In…
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[3 months ago](https://blogrevamp.cashfree.com/2024-cashfree-payments-rewind/) 6 Mins Read
2024 has been a milestone year for Cashfree Payments. We secured key licenses, launched multiple industry-first products that empowered our…
[](https://blogrevamp.cashfree.com/cashfree-payments-encourage-cross-functional-teamwork/)
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## [How does Cashfree Payments encourage cross-functional teamwork?](https://blogrevamp.cashfree.com/cashfree-payments-encourage-cross-functional-teamwork/)
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Modern work in the startup ecosystem is all about collaboration. Irrespective of which domain you work in, when it comes…
[](https://blogrevamp.cashfree.com/switchon-2024/)
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## [SwitchOn 2024: 48 Hours of Innovation, Energy, and Collaboration](https://blogrevamp.cashfree.com/switchon-2024/)
[3 months ago](https://blogrevamp.cashfree.com/switchon-2024/) 2 Mins Read
SwitchOn 2024, the second edition of Cashfree Payments’ flagship hackathon, was an extraordinary journey of innovation and the passion to…
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
- [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
- [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
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## Token Vault by Cashfree
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The [recent circular](https://www.rbi.org.in/Scripts/BS_CircularIndexDisplay.aspx?Id=12159) by RBI on Card-on-File Tokenization (CoFT) states that neither the authorised Payment Aggregators nor the merchants shall store customer card credentials on their servers. **Only the card-issuing banks or the corresponding networks are authorized by the RBI to save customers’ card details.**
## **How does Cashfree Payments help your business with card tokenization?**
Token Vault by Cashfree Payments enables merchants to provision and save card network tokens effortlessly, thereby helping merchants in staying compliant with RBI guidelines.
Merchants can use these tokenized saved cards to offer a seamless payment checkout experience for their customers.
Tokenization Interest Form
Powered by Typeform
## **What is card tokenization?**
Tokenization is the process of replacing private card details like the 16-digit primary account number with a cryptographically generated random string, commonly referred to as the token. These tokens are then used for processing card payments as a substitute to the actual primary account number, thus eliminating the need of passing sensitive card details.
## **What are the benefits of tokenization?**
With tokenization, since there is no exchange of actual card PAN while processing payments, there is no question of card details getting compromised because of any intermediate insecure payment system. Even if any payment request is intercepted at any of the compromised intermediate payment systems, the actual PAN details of the user cannot be retrieved from the token thus making the tokenized card payments extremely secure.
The added security layer increases trust among customers making them willing to use tokenized card payments for frequent transactions instead of entering card details repeatedly. With the increase in the adoption of saved card payments, we can see a growth in online card payments.
## **How does saved card flow work?**
This process enhances payment security as the sensitive information is now only in the hands of the card network and the end customer.
## **Is there a deadline for businesses to comply with tokenization?**
As per the RBI guidelines, the **deadline for card tokenization is 30th September 2021.** Beyond this, any business or payment aggregator that does not support card tokenization will no longer be able to provide a saved card experience for their customers.
## **Benefits of using Token Vault by Cashfree Payments**
### **A complete tokenization solution**
Token Vault offers both saving tokenized cards and processing payments using tokenized cards as a single solution so that merchants do not have to look out for multiple payment partners
### **Certified Token Requestor**
Cashfree Payments is a fully certified and compliant Token Requestor, which means we can provision card network tokens from all the major card networks on your behalf.
### **Easy adoption**
Cashfree Payments handles all the changes required for your business to stay compliant. There will be no change in your integration to implement Cashfree Payments’ checkout page for processing payments.
### **Provide a smooth checkout experience**
With Token Vault, your business can now provide a personalized checkout experience to your customers, thereby reducing cart abandonment rates and increasing payment success rates.
If you want to know more about tokenization, click [here](https://knowledgebase.cashfree.com/support/solutions/folders/48000682737).
[cashfree payments](https://blogrevamp.cashfree.com/tag/cashfree-payments/) [payment solution](https://blogrevamp.cashfree.com/tag/payment-solution/) [tokenization](https://blogrevamp.cashfree.com/tag/tokenization/)
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Author [Maruthi Kumar](https://blogrevamp.cashfree.com/author/smaruthikumar/ "Posts by Maruthi Kumar")
#### Related Posts
[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
5 days ago
[](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/ "Cashfree Affiliate Partner Program: How is it the industry’s best partner program?")
### [Cashfree Affiliate Partner Program: How is it the industry’s best partner program?](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/)
1 month ago
[](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/ "Payment Fraud Red Flags & Prevention Tips for Business Security")
### [Payment Fraud Red Flags & Prevention Tips for Business Security](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/)
5 months ago
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- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
- [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
- [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
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## Cashfree Payments Updates
Share
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Frelease-notes%2F "Share on Facebook") [Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Frelease-notes%2F&text=What%27s%20New%20in%20Cashfree%20Payments%20-%20September%202021 "Share on Twitter") [Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Frelease-notes%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2021%2F10%2FWhatsNew-01.png&description=What%27s%20New%20in%20Cashfree%20Payments%20-%20September%202021 "Pinterest") [LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Frelease-notes%2F "LinkedIn") [Email](mailto:?subject=What%27s%20New%20in%20Cashfree%20Payments%20-%20September%202021&body=https%3A%2F%2Fblogrevamp.cashfree.com%2Frelease-notes%2F "Email")
At Cashfree Payments, we’ve been constantly working towards making our solutions make your life easier! We hope these product developments will make your Cashfree experience better.
We’d love for you to give these features a try and let us know your feedback. As always, feel free to reach out to us at [care@cashfree.com](mailto:care@cashfree.com) for any support you may need..
## Product Release Notes
Payment Gateway
### **Increase AOV & reduce cart abandonment rate with Syrow & Cashfree**
Now you can increase Average Order Value (AOV) & reduce cart abandonment rate with our recent partnership with Syrow, an omni-channel customer experience management system. Use Syrow’s customer experience platform to nudge customers who don’t complete a purchase after adding items to cart and collect payments in a single-click with Cashfree Payment Links.
[Learn More](https://cashfree.com/blog/whats-new-cashfree-partners-with-syrow-to-help-e-commerce-platforms-reduce-cart-abandonment-rate-and-increase-average-order-value/)
### **Automate invoicing and get paid faster with Cashfree & Deskera**!
Still creating invoices manually and dealing with late customer payments after repeated payment reminders? Not anymore. Now you can automate invoicing, schedule payment reminders and get paid by your customers in a single-click through payment links with Cashfree+Deskera partnership.
[Learn More](https://cashfree.com/blog/whats-new-cashfree-partners-with-deskera-to-help-smes-receive-payments-for-their-invoices-in-a-single-click/)
Payment Gateway
Subscriptions
### **Preschedule charges for transactions via SI on cards**
As per the latest RBI guidelines, issuing banks are expected to notify customers about their recurring transactions on their card, 24 hours prior to the debit date. In order to comply with this, Cashfree Subscription now lets merchants pre-schedule transactions for customers upto 7 days prior to the date of debit.
### **Avail Instant Settlements on your wallet transactions**
If you are a merchant accepting payments via wallets, you can now get them instantly settled to your wallets directly with Instant Settlements — as soon as 15 minutes from payment capture!
Payment Gateway
Payment Gateway
### **Now, get Payment Gateway reports securely delivered to your SFTP server**
You can now get the ‘transactions report’ and ‘Settlement & Adjustments report’ securely delivered to your own SFTP server or hosted in Cashfree’s SFTP servers every day as per your desired frequency. Feel free to reach out to [care@cashfree.com](mailto:care@cashfree.com) if you wish to try this functionality out!
### **Introducing Accounts by Cashfree – our very own Banking-as-a-Service platform!**
Accounts by Cashfree Payments is a Banking as a Service platform that lets you integrate your product with major banks via API. With Accounts, you can enable users to open accounts, link accounts, accept deposits, make payouts, check balance and earn interest and do a lot more.
[Learn More](https://blogrevamp.cashfree.com/banking-as-a-service)
Banking as a Service
Payouts
### **The Cashfree Payouts Merchant Dashboard mobile app is now live!**
Payouts Merchant Dashboard app is an all-in-one Android app that gives merchants full control over their Payouts account. You can now add funds, manage accounts, track payouts transfer status in real-time on the go with the Merchant Dashboard mobile app.
[Download Now!](https://play.google.com/store/apps/details?id=com.cashfree.merchant&referrer=utm_source%3DAugust_Newsletter%26utm_medium%3Demail%26anid%3Dadmob)
### **Send checkout links to end-customers and get paid on time!**
Subscription now lets you share the checkout URL with end-customers via SMS or email. Customers can open the link, authorize mandate and get subscription activated without any hassle.
Subscriptions
Subscriptions
### **Now, set the first charge date for the e-Mandates you create!**
With this feature, you can now set the start date from which the first payment will be debited for the e-Mandates.
### **Webhook checkpoint for subscription failures**
With Cashfree Subscriptions, you will now be able to notify your customers in case of failure of eMandate creation with our webhook checkpoints. Cashfree will invoke a webhook whenever an e-Mandate fails for your customers. You can use this webhook to intimate your customers on failed transactions.
[Learn More](https://docs.cashfree.com/reference#webhooks)
Subscriptions
Payment Gateway
### **Cashfree integrates with AU Small Finance Bank**
Cashfree Payment Gateway has added AU Small Finance Bank as net banking and TPV net banking bank option in addition to 50+ other banks.
### New product launch – **Payment Links**!
Payment Links by Cashfree is a simple tool that helps businesses generate customized links along with details of the products. These links can be shared with customers via SMS, email, or WhatsApp. Payment Links is a no-code payment solution, which means you don’t need to do any integration work and can start accepting payments in minutes.
[Learn More](https://blogrevamp.cashfree.com/payment-links?utm_source=Cashfree&utm_medium=blog&utm_campaign=changelog)
Payment Links
Cashfree Payments
### **Cashfree is now ISO/IEC 27001:2013 certified!**
Cashfree is now an ISO/IEC 27001:2013 certified payment company. This means that we have implemented all the procedures and processes recommended by the Information Security Management System (ISMS) policy, to make sure that your and your customer’s data is secure.
[Learn More](https://cashfree.com/blog/online-payment-security/)
### **Cashgram Expiry Link extension**
While creating a Cashgram link, you will now be able to choose the expiry date as anytime within the 30 days, instead of the previous 7-day period. We found that the major reason for non-redeemed Cashgram links is due to the short span of expiry date. Hence the expiry limit has been extended to 30 days.
**Cashgram**
**Subscriptions**
### **Support Of Individual Utility Code**
This enhancement allows the merchant to be onboarded on their own Utility code. All end-customer facing interfaces will now reflect the Merchant’s name, giving a personalized experience for the end-customer.
### **Cashfree Partner Badge**
We have recently introduced the Cashfree Partner Badge which can be easily embedded on your website or app. With this badge, you can conveniently refer merchants through your unique partner referral link added in the badge, thereby Increasing your merchant referrals through higher visibility and Cashfree’s branding support.
**Partnerships**
Payment Gateway
### **Webhooks for Monitoring Incident Service**
Cashfree will now notify you whenever we create an incident at our end. An incident implies that the issuing bank is facing high failure rates or has scheduled a maintenance activity during that time. Cashfree will invoke a server-to-server call via webhooks whenever an incident is created. You can use this webhook and update your payment page accordingly.
### **UPI Autopay 2.0**
Merchants can now enable their customers to set up recurring payments via UPI. This will help merchants achieve higher adoption rates, and ensure secure payments as per the RBI guidelines.
Subscriptions
Subscriptions
### **SBI direct debit: Scanned Image Parsing For Physical Mandates**
With this feature, merchants can now give us a scanned image of a mandate (a challan that is signed by the end customer) to authorize recurring payments. Cashfree will process this mandate and subsequently process the upcoming debits. In order to process this mandate, however, the end customer’s bank account has to be with the SBI.
### **Subscription Activation From dashboard**
If a recurring payment transaction fails, the subscription goes to the ONHOLD state. You can retry the failed transaction from within the dashboard. Once the retry is successful, the subscription will automatically be activated. Read more here.
Subscriptions
Auto Collect
### **Merchant Self Help**
Merchants can now help customers with queries regarding the status of a transaction without having to reach out to Cashfree. They can search by the specific UTR and Virtual ID under the Payments tab in Auto Collect Dashboard, and get the corresponding transaction status. Know more [here.](https://dev.cashfree.com/auto-collect/faq)
### **Early Access To The New Cashfree Payment Gateway Dashboard**
A few of our merchants have been provided with exclusive access to our latest version of Cashfree Payment Gateway Dashboard – a more user-friendly dashboard that is faster and easier to navigate. The latest upgrade comes with a more detailed transaction timelines and a more comprehensive reporting. To try out the new dashboard, please send us an email to [care@cashfree.com](mailto:care@cashfree.com)
**Payment Gateway**
[online payment gateway](https://blogrevamp.cashfree.com/tag/online-payment-gateway/) [payment solution](https://blogrevamp.cashfree.com/tag/payment-solution/)
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Frelease-notes%2F "Share on Facebook")[Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Frelease-notes%2F&text=What%27s%20New%20in%20Cashfree%20Payments%20-%20September%202021 "Share on Twitter")[LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Frelease-notes%2F "LinkedIn")[Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Frelease-notes%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2021%2F10%2FWhatsNew-01.png&description=What%27s%20New%20in%20Cashfree%20Payments%20-%20September%202021 "Pinterest")
Author [Maruthi Kumar](https://blogrevamp.cashfree.com/author/smaruthikumar/ "Posts by Maruthi Kumar")
#### Related Posts
[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
5 days ago
[](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/ "Cashfree Affiliate Partner Program: How is it the industry’s best partner program?")
### [Cashfree Affiliate Partner Program: How is it the industry’s best partner program?](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/)
1 month ago
[](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/ "Payment Fraud Red Flags & Prevention Tips for Business Security")
### [Payment Fraud Red Flags & Prevention Tips for Business Security](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/)
5 months ago
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
- [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
- [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
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## Discover more from Cashfree Payments Blog
Subscribe now to keep reading and get access to the full archive.
Type your email…
Subscribe
[Continue reading](https://blogrevamp.cashfree.com/release-notes/#)
## UPI AutoPay Solutions
# UPI AUTOPAY
## Collect recurring payments
at scale easily with
## UPI AutoPay
Automate
## recurring transactions
up to ₹15,000 for your customers via any UPI app. Leverage 400 Million+ UPI users to grow revenue for your business.
- ### 20+ UPI apps supported
- ### 35% higher success rate
- ### 10 seconds checkout
[Get Access Today](https://merchant.cashfree.com/merchants/signup?source-action=upi%20autopay&action=Sign%20Up&button-id=StartNow_Hero)
View detailed documentation [here](https://docs.cashfree.com/docs/subscriptions)
Taking your subscription business to the next level? Do it with
## UPI AutoPay
Cashfree's
## UPI AutoPay
automates recurring payments to offer your customers a seamless subscription experience. Highest success rates and ease of integration combined with the power of UPI, Cashfree's
## UPI AutoPay
is helping many businesses launch and scale subscriptions in India.
[See how it works](https://www.youtube.com/watch?v=jzkj4Xj9ws8)
Our customers are winning with Cashfree's
## UPI AutoPay
UPI AutoPay
UPI 2.0
With power of UPI, growing subscription business has never been easier
UPI is the most preferred payment mode in India. In August, 2023, Indians did record high 1024 crore UPI transactions.
UPI AutoPay by Cashfree Payments is a simple and secure way for you to
## accept recurring payments
like loan repayments, tuition or course fees, rentals, etc.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=upi%20autopay&action=Sign%20Up&button-id=StartNow_WithPowerOfUPI)
Supported Apps:
10 seconds customer onboarding
Subscribers can now authorize future payments up to ₹15,000 by completing a one-time OTP authentication on any UPI app within seconds
Automated payment scheduler
With the built-in payment scheduler, you can set weekly, fortnightly, monthly, or annual payments, or create customized payment cycles with fixed amounts
Flexible debit amount
Billing based on usage? Raise payment requests for the actual amount as per usage and
## automatically collect payments
under the mandated amount limit
High success rate
Minimize customer drop-offs with
## UPI AutoPay
, which offers a 35% higher success rate compared to other
## recurring payment
methods
### Security ensured, stay RBI compliant
At Cashfree Payments we ensure that all the UPI authentications initiated and auto-debits processed are as per latest government guidelines.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=upi%20autopay&action=Sign%20Up&button-id=StartNow_SecurityEnsuredRBICompliant) [Contact Sales](https://www.cashfree.com/undefined/contact-sales/?source-action=upi%20autopay&action=Contact%20Sales&button-id=ContactSales_SecurityEnsuredRBICompliant)
Businesses growing 4X using
## UPI AutoPay
#### NBFCs and Digital lending apps
Collect loan repayments easily. Set auto-reminders for customers and borrowers with non-revocable flags so that they don't default on their dues
#### Edtech
Create customized course plans, increase learner enrolments, and help your team make the best of the courses you offer
#### Educational institutions
Give your students the flexibility to pay tuition or course fees tri-mester/ half-yearly
#### Financial Services
Enable your customers to make SIP payments in time or auto-recharge their trading account once the amount goes below a set limit
#### Rental platforms
Increase customer retention and grow average user value by offering custom subscription plans that meet customer requirements and reduce user acquisition cost
#### OTT platforms
Create a customized subscription plan for your subscribers and provide them with uninterrupted services
#### Content subscription and publishing
Launch your media subscription business and offer different renewal cycles to attract maximum recurring revenue
#### Bill Payments
Allow your customers to opt for auto debit and collect all your recurring bill payments using UPI AutoPay
New Features Added
Do this and much more with UPI
## AutoPay
Offer most effortless checkout experience to your subscribers with superior automation, easy-to-integrate APIs and trust of Cashfree Payments
### Launch Bulk Subscriptions
Create and update up to 10,000 subscriptions in one go directly from the dashboard and sell bulk subscriptions effortlessly
### Seamless Flow on Subscription
Customize checkout experience of your customers with the trust of Cashfree's UPI AutoPay in the backend using seamless APIs
### Smart Pre-scheduling
Schedule charges 14 days prior to the actual auto-debit date - for on-demand subscriptions
### Third Party Validation
Authorize UPI mandates only on KYC-approved bank accounts to avoid payment failures, especially in the case of EMI collection
### We are now live with
## Autopay on QR
Convert and retain from your advertising spends like never before:
- ### Acquire customers easily with a one-step QR scan - no app downloads or redirections
- ### Connected call-to-action for high ROI
- ### Clear attribution to your campaigns to help you make the most of your ad spends
Take the growth of your subscriptions business to the next level.
[Get Early Access](https://form.typeform.com/to/ZPhL7ztq?typeform-source=www.google.com)
pricing
Convert one-time customers into paying subscribers with UPI
## AutoPay
- Paperless and same day onboarding
- Comprehensive Dashboard
- Developer friendly integration kits
- E-commerce Plugins
- Best in class support
- Easy Settlement
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=upi%20autopay&action=Sign%20Up&button-id=StartNow_Pricing)
For questions around implementation, customised pricing and more, reach out to us [here](https://www.cashfree.com/contact-sales?source-action=upi%20autopay&action=Contact%20Sales&button-id=ContactSales_Pricing).
Become a part of the most advanced subscription ecosystem in India
Enable your customers to handle recurring transactions with ease using the widest range of recurring payment stacks, in addition to UPI
## AutoPay
#### E-Mandate or Nach Mandate
Customer can activate one-time e-Mandate by entering debit card or net banking account details and authorize auto-debit up to ₹50 lakh across 50+ banks in India.
#### Physical Mandate
Auto-debit is possible to configure for customers who do not have access to net banking or a debit card through one-time physical signature approval.
#### SI on cards
Customers can enter credit or debit card details, give standing instruction (SI) for future automated payments. Businesses can collect recurring payments of up to ₹15,000/- without 2FA / OTPs.
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### How to create a subscription plan for customers?
To create a plan, refer to these [steps.](https://docs.cashfree.com/docs/create-plan-1)
### How is the \#\# UPI mandate created?
Once you have created a subscription plan and allow customers to subscribe to that plan, an authorization link is sent to your customer. Here is how a customer can create a UPI mandate and subscribe to your plan -
1. Collect Flow
1. The customer enters their VPA/UPI ID and clicks on Proceed
2. A mandate summary is shown to your customer
3. The customer opens their app and approves the mandate
4. After the mandate is approved by the customer in their UPI App, a final success screen is displayed along with the Mandate summary
3. Intent Flow
1. The customer selects their UPI PSP app of choice
2. Chosen UPI PSP app opens with a mandate summary
3. Customer approves the mandate
4. Customer is returned to the checkout where the Mandate summary is displayed
5. QR Flow
1. Customer scans the QR code shown on the checkout page via PSP app of choice
2. A mandate summary is shown to your customer
3. Customer approves the mandate
4. After the mandate is approved by the customer in their UPI App, a final success screen is displayed along with the Mandate summary
### Which banks and apps are supported for UPI AutoPay?
Please find the list of supported UPI apps and banks [here](https://www.npci.org.in/what-we-do/autopay/list-of-banks-and-apps-live-on-autopay) supported for UPI mandate creation via UPI AutoPay.
### What is the maximum transaction amount supported by UPI AutoPay per transaction?
The maximum amount supported per transaction is ₹15,000/- without AFA and with a UPI pin authentication it can vary based on the bank accounts limits. However as per new circular issued by RBI on 14th December 2023, the following categories can accept recurring payments up to INR 1 lakh without AFA -
- Mutual fund subscriptions
- Insurance premiums
- Credit card bills
### How long does it take to process UPI AutoPay payments?
Authorization and subsequent charges take place in real-time in the case of UPI AutoPay.
### How fast can I set up and complete a UPI AutoPay payment checkout?
10 seconds is all it takes to effortlessly set up and complete a checkout using UPI AutoPay!
### Can I prevent customers from canceling mandates on their end?
Yes, you can establish a non-revocable mandate for your customers, preventing them from canceling the mandate without your prior consent. But this is only applicable for loan and EMI collection in the lending industry.
### Can I cancel an existing subscription of my customer?
Yes, you can cancel the Subscription via Dashboard or API. Refer to our [API docs](https://docs.cashfree.com/reference/cancel-subscription%22) for more information.
### What happens when a payment fails? Is there a retry mechanism?
9 debit retries are automatically attempted, and within them 95% of all debits go through successfully. If the transaction still fails, it’s marked unsuccessful. The merchant receives a webhook with the reason for failure. They need to consult the customer before retrying to debit.
Reasons for persistent failure despite 9 debit retries is usually due to lack of funds or some other issue pertaining to the customer’s account.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Recurring Payments
Auto-debit funds for periodic payments via cards, UPI and net banking.
[Learn More](https://www.cashfree.com/recurring-payment)
### Payment Gateway
Accept domestic and international payments for your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
### Easy Split
Split vendor commissions and manage marketplace settlements.
[Learn More](https://www.cashfree.com/easy-split/split-payment-gateway)
### Auto Collect
Collect and reconcile IMPS/NEFT/UPI payments using unique virtual accounts and UPI IDs.
[Learn More](https://www.cashfree.com/auto-e-collect)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=upi%20autopay&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Zoho Payment Gateway
# ZOHO
## Seamless Payments for Zoho
Easily start accepting payments for your Zoho Finance products by simply using the Cashfree Payments Plugin.
- 180+ payment modes
- Industry best success rates
- Quick Integration
[Get Started](https://merchant.cashfree.com/merchants/signup?source-action=Zoho%20Integration&action=Sign%20Up&button-id=StartNow_Hero)
Payments made easy for Zoho Finance
- Multiple payment modes
- COD order refund
- Payment Links
- On-demand Settlements
Multiple payment modes
Go live with 180+ payment modes instantly. Let your customers pay via any UPI, card, EMI, BNPL, Paytm & other wallets, etc. Reach customers across the globe, show items in 27+ foreign currencies. Here is more: Access customer payments within 15 minutes of fund capture, even on bank holidays with Instant Settlements feature.
COD order refund
The biggest problem with COD order refunds is the unavailability of payment details. Cashgram makes it easy for customers to receive refunds instantly on their preferred destination. Create Cashgram link, notify the customers on SMS, Whatsapp or Email.
The customers enters his/her bank account/UPI id/Paytm no/debit card or amazon wallet id and receive a refund amount to the preferred account.
Payment Links
Generate instant links with the items on your customers shopping carts and send them personalized communication via email or SMS. Also, Payment Links can be used to sell your products on multiple social media channels.
On-demand Settlements
Withdraw only a specific settlement amount to your bank account in a single click, whenever you need it the most. Get settlements credited to your bank account even on bank holidays and other critical times on-demand.
Multiple payment modes
Multiple payment modes
Go live with 180+ payment modes instantly. Let your customers pay via any UPI, card, EMI, BNPL, Paytm & other wallets, etc. Reach customers across the globe, show items in 27+ foreign currencies. Here is more: Access customer payments within 15 minutes of fund capture, even on bank holidays with Instant Settlements feature.
COD order refund
COD order refund
The biggest problem with COD order refunds is the unavailability of payment details. Cashgram makes it easy for customers to receive refunds instantly on their preferred destination. Create Cashgram link, notify the customers on SMS, Whatsapp or Email.
The customers enters his/her bank account/UPI id/Paytm no/debit card or amazon wallet id and receive a refund amount to the preferred account.
Payment Links
Payment Links
Generate instant links with the items on your customers shopping carts and send them personalized communication via email or SMS. Also, Payment Links can be used to sell your products on multiple social media channels.
On-demand Settlements
On-demand Settlements
Withdraw only a specific settlement amount to your bank account in a single click, whenever you need it the most. Get settlements credited to your bank account even on bank holidays and other critical times on-demand.
Zoho Payment Gateway Integration
###  Step 01: Login to your Zoho account
‘Log in’ to your Zoho account and click on ‘Settings’. In the settings page, select ‘Accept Payments’.
###  Step 02: Connect Cashfree Payments
On the ‘Accept Payments’ screen, scroll down and click on ‘More Payment Options’. Select ‘Cashfree Payments’ and click on ‘Connect’.
###  Step 03: Enter ID and Secret Key
Enter your ‘App ID’ and ‘Secret Key’ of your Cashfree Account and start accepting payments. If you dont have a Cashfree account, then signup first.
PRODUCT FEATURES
Advanced payment gateway features available for all
Instant refunds
Do instant customer refunds - online orders, COD orders and deposits with our advanced refund solutions and delight your customers.
[Learn more](https://www.cashfree.com/instant-refunds/)
Instant settlements
Get access to your online payment gateway collections within 15 minutes even on bank holidays.
[Learn more](https://www.cashfree.com/instant-settlements/)
Pre-authorization
Temporarily block some amount of funds when a customer places an order and save payment gateway charges on canceled orders with Pre-auth.
[Learn more](https://www.cashfree.com/preauthorization/)
Token Vault
Process saved card payments securely while being RBI compliant. Token Vault is India's first interoperable card tokenization solution that works across all card networks and payment gateways.
[Learn more](https://www.cashfree.com/card-tokenization/)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is a payment gateway?
A payment gateway is a technology-driven digital platform which enables online businesses to collect digital payments from their end customers. When customers trigger a checkout on the website or application of an online business, their payment information is collected and passed through a payment gateway for authorization and processing.
### What payment modes are supported by Cashfree?
Cashfree Payments supports the widest range of payment modes with a single integration. We support over 180+ payment modes such as Credit and Debit Card (Visa, Mastercard, Rupay, AMEX, Diners), Net Banking of more than 65 banks, Paytm and other wallets, UPI via BHIM UPI, Google Pay, PhonePe, EMI options, buy now paylater and so on.
**Cards:** All major card networks namely RuPay, VISA, MasterCard, Amex, DinersClub and Maestro.
**Net Banking:** Integrations with 90+ public and private banks in India.
**UPI:** 20+ UPI apps including PhonePe, Paytm, Google Pay, BHIM and Amazon Pay.
**BNPL:** 35+ Card and Cardless EMI providers and Pay Later partners Wallet: 9 Digital and Mobile Wallets including Paytm, Amazon Pay, Freecharge and MobiKwik For the complete list you can refer here:
[https://docs.cashfree.com/docs/payment-methods](https://docs.cashfree.com/docs/payment-methods)
### What are the types of integrations and platforms that Cashfree Payments supports?
Cashfree Payments supports a wide variety of integrations that enable different types of businesses leveraging different platforms to accept payments seamlessly. We support easy web and mobile integrations via RESTful APIs and mobile SDKs (Android, iOS, React Native, Flutter, Cordova, Xamarin, and Capacitor).
We also support integrations on businesses leveraging website platforms and partners via plugins such as Shopify, WooCommerce, Magento, PrestaShop, WHMCS, CS Cart, OpenCart, Wordpress, Zoho Books, and Wix.
### How can I set up Cashfree's Payment Gateway for my website?
Cashfree Payments, as an online payment gateway, offers a wide range of web integrations. You can choose easy-to-integrate Cashfree Payments hosted checkout form or go for customised checkout experience integrations like Seamless Basic or Seamless Pro as per your business need. You can integrate our Payment Gateway for website in any of the languages - PHP, Laravel, Java, Python or C++. Check our quick and easy quiz to determine which kind of integration is best for you here
[https://docs.cashfree.com/docs/discover](https://docs.cashfree.com/docs/discover)
### I sell products to both Indian and International customers. Is Cashfree the right PG for me?
Cashfree Payments is the right payment gateway for businesses looking to take their brand global and collect payments from domestic and international customers. We support accepting payments from international customers via their credit and debit cards (Visa, Mastercard, American Express, Diner’s Club), or via PayPal. We are also working to add additional alternate payment methods so that your global customers can see payment modes that are local and familiar to them. Our checkout flow will also ensure that your international customers can see the prices of your products and services in the currency of their country, making the experience easier and better for them.
### What are the payment gateway charges?
Our charges for payments processing are simple and user-friendly - 1.95% for all card, UPI, netbanking, and digital wallet transactions. For some payment modes (EMIs, Pay Later, and international cards), the charges differ. You can review the pricing for our payments services on our [Pricing Page.](https://www.cashfree.com/payment-gateway-charges/)
### Can I sign up as an individual?
Yes, you can sign up as an individual for a payment gateway. Please share your personal address proof instead of the business registration details. Here is the list of documents required for setting up your Cashfree PG account - [https://www.cashfree.com/help/63/what-the-documents-needed-for-activating-cashfree-account](https://www.cashfree.com/help/63/what-the-documents-needed-for-activating-cashfree-account)
### What features are supported by Cashfree PG?
Cashfree Payments offers best-in-class payment gateway services with industry-highest success rates, a wide variety of payment modes, India's leading BNPL suite, and a cutting-edge checkout solution which makes accepting payments more rewarding for our customer businesses.
In addition to its industry-leading payments processing, Cashfree Payments offers many value-added services designed to help your business harness its potential better. With Instant Settlements, we enable businesses like yours to take complete control of your revenues and unlocks more working capital - get your payments in your account 15 minutes after you receive a customer payments, at the end of the day, or on-demand. Instant refunds allows you to issue refunds to your customers in <1 minute, versus the usual 4-6 working days wait.
Upfront TDR allows businesses like yours to push payment gateway charges to your customers and is useful for some lines of businesses.
### In which programming languages do you have integration kits available?
We have payment gateway integration in PHP, Java, Python, NodeJS, Ruby and.Net.
With our ready-to-use integration kits, you will be able to integrate the best payment gateway in no time. Throughout your integration process our product experts will be available for any assistance you may need.
### Can I do payment integration in Android & iOS apps?
Yes, You can use our library to integrate our Payment Gateway directly into your Android or iOS app using Cashfree Payments SDK. Cashfree Payments SDK has been designed to offload the complexity of handling and integrating payments in your app.
Know more here: [https://docs.cashfree.com/docs/mobile-integration](https://docs.cashfree.com/docs/mobile-integration)
### What is the procedure for PG integration?
We do 100% paperless onboarding for merchants on our Payment Gateway. Following are the steps for integration
1\. Signup on Cashfree Payments
2\. Update your business profile and upload scanned copies of business documents
3\. You can try out the payment gateway yourself. Login and switch to test account. Check integration documentation.
4\. Our Payment expert will call you; share your business requirements and we will help you pick the right set of features.
5\. Once the account is verified, our product team will help you with the integration.
### What are the documents required for setting up an account with Cashfree PG? What is the process like?
Once you sign-up, to activate your payment gateway merchant account, you need to share business details along with scanned copies of the following business documents. Please refer to the [list of documents here.](https://www.cashfree.com/help/63/what-the-documents-needed-for-activating-cashfree-account)
### How many days does the integration take?
It depends on the type of integration you choose. Plugin-based integrations usually take less than 10 minutes to activate once the account has been set up and requires no coding or development effort. For API-based integrations, some development effort is required. An average business integrating with our APIs takes anywhere from 10-20 days.
### How do I add or remove payment methods from checkout?
On the Cashfree Payments dashboard, click on Settings -> Payment Gateway -> Payment methods to see which methods have been enabled for your account and which ones are still available. You can raise a request from that page to activate or deactivate a payment mode, as is required.
### Are there any specific businesses that Cashfree Payments does not support?
As a payments company we strive to cater to all businesses. However, there are some services and goods, for which we don't provide our payment gateway services.
Here is the [list of documents here.](https://www.cashfree.com/help/69/there-any-specific-businesses-that-are-supported-cashfree)
### Are NRO and NRE accounts supported?
Cashfree Payments supports NRO accounts of non-resident Indians, for individuals and organisations. We do not support NRE accounts.
### Why choose Cashfree Payments?
Cashfree provides the best-in-class payments experience for businesses and customers. As an online merchant, when you opt for Cashfree you get:
1\. Over 150+ payment modes with both domestic and international payment options.
2\. India's widest BNPL suite with 35+ card and cardless EMIs and Pay Later options.
3\. Industry highest success rates on transactions achieved through dynamic routing, direct bank integrations and payment retries.
4\. Robust UPI payments stack with 8+ direct bank integrations that guarantees faster payments with higher success rates.
5\. The most advanced card payments system with Tokenization, CVV-free payments and 3DS 2.0.
6\. Innovative solutions like BNPL and Offers Widget, Instant Settlements and Easy Split to cater to fast growing business payment needs.
7\. Highly reliable customer support available 24\*7 to quickly resolve your queries.
### What is the settlement cycle like? Is this flexible?
Businesses usually get their revenue deposited in their designated bank accounts in T+2 working days. What this means is that for a transaction processed on Monday, the settlement amount will reflect in your account on Thursday. However, if you would prefer to receive your payments early, you can explore our Instant Settlements product to control your settlement flow. Get your revenues settled into your account in 15 minutes after receiving the payment, at the end of the working day, or on-demand on the click of a button. To know more, check out our Instant Settlements product. [https://www.cashfree.com/instant-settlements/](https://www.cashfree.com/instant-settlements/)
### What is a PCI-DSS? Do I need it?
PCI-DSS is a globally recognised security standard and protocol, and businesses with a PCI-DSS certificate have the ability to securely store card information. Cashfree Payments has a PCI-DSS Level 1 certification, which recognizes that our technology meets the highest level of safety and security in managing protected payment information. You need a PCI-DSS certificate to accept card payments only when you are operating your own checkout and using Payment 's hosted checkout options, our PCI-DSS certificate will cover you and you will not need the certificate to accept payments via credit and debit cards.
### Do you support card tokenisation?
Yes. We've our own RBI compliant card tokenization solution called Token Vault. Token Vault is India's first interoperable card tokenization solution that helps you process your customer's saved card payments across mutliple card networks and payment gateways. Know more about Token Vault. [https://www.cashfree.com/card-tokenization/ .](https://www.cashfree.com/card-tokenization/)
### Do you support instant refunds?
Yes. To help merchants like you delight their customers with instant refund processing on their orders, we do provide the most advanced Instant Refunds offering. Learn more about it here: [https://www.cashfree.com/instant-refunds/](https://www.cashfree.com/instant-refunds/)
We also support stand refunds that take 4-5 working days to reach your customer's account.
### What is the success rate of Cashfree Payment Gateway?
Cashfree Payment Gateway offers industry-leading success rates across payment modes. We're able to deliver higher success rates than other payment gateway providers through direct bank integration, dynamic routing with AI/ML modelling, auto retry, CVV-less payment flow and Flash UPI offering.
### Does Cashfree Payments Gateway have a transaction limit?
Cashfree Payment Gateway has industry-leading infrastructure that supports a very high rate of transactions per second. We are proud to partner with some of India's biggest businesses, and are able to support them seamlessly without hitting our transaction limit. For example, we were able to support a huge spike in payments during shopping festivals and occasions, which is 5x-8x higher than the usual traffic without any additional effort.
### Do I need a website / app to accept payments?
No, you do not need a website or app to accept payments. Cashfree Payments has two no-code solutions for entities that want to accept payments without a website or application - [Payment Links](https://www.cashfree.com/payment-links/) and [Payment Forms.](https://www.cashfree.com/payment-forms/)
### I am evaluating different PGs and have some questions. How can I get in touch?
Thank you for considering us as your payments partner! You can reach out to us here to set up a call with our sales representatives.
[https://www.cashfree.com/contact-sales/](https://www.cashfree.com/contact-sales/)
### I'm having some issue with my existing PG account. How do I get in touch?
We're sorry to hear that you're having some trouble. Please reach out to us [here](https://www.cashfree.com/contact-us/) to get support. You can also raise a ticket from your Cashfree Payments dashboard via the Help Center or by dropping an email to your account manager or [care@cashfree.com](mailto:care@cashfree.com)
### Why is Cashfree Payment Gateway the most secure?
Cashfree Payments is highly secure, with PCI-DSS, ISO/IEC 27001:2013 certifications and an in-house card tokenization solution, to always safeguard your payments. We have also received in-principle approval as a payment aggregator from the RBI, and have recently upgraded our systems to be compliant with the latest security protocols, including 3DS 2.0.
### Do you have a mobile app for businesses?
Yes, we have a mobile application for our partner businesses to access their dashboard and manage their payments via their smartphones. You can access our mobile application [here.](https://play.google.com/store/search?q=Cashfree&c=apps&hl=en-IN&pli=1)
### Do you support multi-user logins and accounts?
Yes, we support multi-user logins via account aliases. Once your Cashfree Payments account has been set up, you can enable access for other members of your team by providing them access to your account. You can find out more [here.](https://docs.cashfree.com/docs/manage-account#new-alias-and-assign-permissions)
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Recurring Billing Guide
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Table of Contents
Toggle
_The recurring billing model seems to be all the rage today. Are you looking to choose a recurring bill software? Look no further. Here’s a guide to help you out!_
* * *
## Recurring Billing Meaning/ What is Recurring Billing
Recurring Billing is a type of payment where a business **automatically deducts payment for their product/services** from the customer’s account at regular intervals of time.
The recurring billing model has led to the tremendous growth of subscription-based services in various industries. In fact, the [expected CAGR of global automotive subscription services](https://www.consumeraffairs.com/news/enterprise-announces-its-automobile-subscription-service-042919.html) is 71% by 2022. Moreover, [53% of all software revenue](https://www.digitalistmag.com/cio-knowledge/2019/02/25/why-platforms-are-critical-when-building-for-intelligent-enterprise-06196545/) will be generated by the recurring billing model.
Ps _sss, wanna test your knowledge before going ahead with the blog? 🙂_
Are You a Recurring Payments Expert?
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## **How Much Do You Know About** **Recurring Payments?**
**3 out of 5 people failed this test. Want to challenge yourself?**
Takes 1 minute
Test My Knowledge
Sounds Interesting?
Let’s have a look at how the recurring billing model is taking the Indian industry by storm.
## Recurring Billing in India: How Does It Work?
In India, the recurring billing model can be divided into different kinds of payment modes. Let’s dissect each of them in detail.
### Electronic Clearing House (ECS)
[Reserve Bank of India](https://www.rbi.org.in/) (RBI) introduced the Electronic Clearing House (ECS) in 1994. This kind of recurring billing payment mode has no upper cap. As a result, it is used for high-value transactions for SIPs, Loans, Insurance, etc.
However, it requires the customer to submit a physical form to the bank or the company. **Moreover, the mandate creation period is 30 days.** Needless to say, it is extremely incompatible for subscription businesses that require efficient and time-bound billing.
### National Automated Clearing House (NACH) and E-Mandate
To reduce the inefficiencies of ECS, NPCI initiated the National Automated Clearing House or NACH. This allowed customers to use **debit cards or net banking services to authorize a recurring bill** ing.
Now, interestingly [e-Mandate](https://cashfree.com/blog/e-mandate/) is objectively a different service from NACH. However, they both work on the same principle and enable recurring billing. However, e-Mandates services are provided by individual banks. Presently, this service is only available in certain banks.
**Related Read:** [NACH Mandate](https://blogrevamp.cashfree.com/resources/nach-mandate) For Businesses: What You Need To Know
### Standing Instructions (Sis) on Debit and Credit Cards
Standing Instructions (Sis) on debit and credit cards help customers **create the mandate instantly**.
However, the upper limit on the mandate varies from one bank to another. The authentication process is rather simple as the customer only needs the card information and OTP.
The debit and credit card holder needs to authorize the payment through a 3D secure flow or two-factor authentication. Moreover, it is important to note that a handful of banks only provide Sis services on debit cards.
### UPI Autopay
The latest payment mode for a recurring bill is the UPI Autopay. It was launched as UPI has become the most preferred mode of payment for Indian customers. Moreover, the mandate creation from **UPI Autopay is instant and only requires the UPI PIN for authentication.**
UPI Autopay and Standing instructions modes have made it possible for many businesses to build a thriving subscription business. This is especially true for OTT, eCommerce, SIPs, and utility bills.
## Recurring Billing Examples: The Subscription Industry
Let’s dive in deeper to understand how different industries are shaped by the recurring bill model.
### OTT Media Services and Content Providers
Out of all the industries benefiting from the recurring billing model, OTT has come out on top. Companies like Netflix, Spotify, Amazon Prime, Hulu and many more use the subscription-based model to fuel their businesses. In fact, **the global OTT market is set to reach [$332.53 billion USD by 2025](https://www.alliedmarketresearch.com/over-the-top-services-market).**
Netflix uses the subscription based model
Moreover, the consumption of OTT media was increased manifolds because of the pandemic. In fact, Indian customers spent [45 billion hours](https://www.appannie.com/en/insights/market-data/the-state-of-mobile-2019/) on online video streaming services. This is almost double the US population despite their obvious lead in digital penetration.
However, a lot of entertainment and content websites have limited modes of payment. The recurring billing model can be applied through many payment modes. However, services like Hotstar or Netflix lack payment modes like UPI Autopay, net banking and more.
### Healthcare and Insurance Industry
Health insurance, car insurance, SIPs and mutual funds investments. All of these are examples of healthcare and financial services that require recurring billing. Earlier, customers utilized ECS even for smaller transactions. However, the 30-day mandate creation period and the need for physical forms made it extremely inefficient.
The mutual funds and insurance industry have been able to provide a seamless customer experience with the coming of UPI Autopay and Sis.
**Related Read:** [Future of Mutual Fund in India](https://cashfree.com/blog/future-mutual-fund-india/): Experts Speaks
### Utility Services
Another space where the recurring billing model has proved helpful are utility bills. Customers need to pay electricity bills, water bills, gym memberships on a monthly basis. A lot of times these bills are charged on the basis of units consumed.
Recurring Billing for utility services
Moreover, paying the bills past the due date may lead to an increase in the payment due. This increases the dynamic nature of these recurring bills.
### Software as a Service Industry
The SaaS industry is growing at a tremendous rate. In fact, the SaaS market is expected to [reach $157 billion by 2021 end](https://99firms.com/blog/saas-statistics/#gref). Interestingly, a lot of businesses are using the recurring billing model to offer their services. Companies like **Freshdesk, Intercom and Slack** are examples of the recurring billing model.
 Slack uses the Recurring Billing model
Furthermore, this mode of payment model has become so popular that traditional companies are reevaluating their payment plans. For instance, MS office and Adobe have also shifted towards subscription-based services. In fact, [80% of historical SaaS merchants](https://www.gartner.com/smarterwithgartner/moving-to-a-software-subscription-model/) are now using the recurring billing model.
### Ecommerce and Online Retailers
Ecommerce shops have moved to this model as it leads to a **higher customer retention ratio**. Moreover, it has resulted in more accurate business predictability.
Companies like [Sugarbox](https://sugarbox.in/) and [Freshmenu](https://www.freshmenu.com/universal_veg_breakfast_subscription/product/8920) in India are using the subscription-based model to fuel business growth. The pandemic has also aided in accelerating the expansion of these businesses.
Ecommerce Startups like Freshmenu using Recurring Billing
However, running a business on a subscription businesss may not be as easy as it sounds.
While a fixed recurring price model is convenient, it might not work for utility services like electricity charges. So, how can businesses come up with a model that caters to their needs?
Let’s find out.
## Types of Recurring Billing: Choosing What Suits You
Now, a recurring billing can be of three major types. The type of bill will depend on the nature of the product/ service as well as the consumer behaviour.
[](https://blogrevamp.cashfree.com/recurring-payment?utm_source=blog&utm_medium=recurringbillblog)
### Fixed Model For Recurring Billing
The fixed model can work for companies that sell products for a fixed price. The merchant can choose to charge on a weekly or monthly basis depending on the nature of the service. For instance, broadcast satellite service providers like Dish TV and Tata Sky can bill their customers monthly on the basis of their desired plan.
### Pay Per Usage Model
Next up, we have the pay per usage model. Here, the customers pay on the basis of the **number of units consumed.** For instance, the electricity or water bill will vary according to the amount of customer consumption.
### Fixed+Pay Per Use Model
This model can be considered as a combination of both. The merchant may charge a **fixed price at the beginning and overhead charges for the subsequent variable components**. For instance, cab services may charge a fixed price till a certain distance. After crossing that distance limit, they may charge per kilometre.
## Advantages of Recurring Billing Payments
By now, one thing is clear: the recurring bill model is becoming a staple across all industries. But what is the reason behind it?
In other words, what are the advantages of recurring billing?
That is exactly what we are uncovering in this section.
### Customer Convenience
First and foremost, recurring billing payments provide an excellent customer experience. They can enjoy uninterrupted services without authorizing the payment again and again.
Moreover, it gives them the flexibility to pay according to their consumption. They can choose to change or terminate the services in a hassle-free manner.
### Ease of Payment
Recurring billing payments are inherently simple. Moreover, with the advancement of technology, Sis and UPI Autopay have made real-time mandate creations possible. To commence their recurring billing, the customers only need to remember their [VPA in UPI](https://cashfree.com/blog/vpa-in-upi/) or their credit card details.
### Security of Payment
Recurring billing payments are secure and help increase the customer trust in the merchant. Standing instructions on cards require two-factor authentication or payment through 3D secure flow. ECS and NACH mandates require bank verification forms or net banking authorization. Similarly, UPI Autopay requires MPIN and UPI PIN.
Most importantly, most merchants utilize an [international payment gateway](https://blogrevamp.cashfree.com/payment-gateway-india) for their recurring billing requirements. These payment gateways are PCI-DSS compliant and employ robust risk management systems.
[](https://blogrevamp.cashfree.com/recurring-payment?utm_source=blog&utm_medium=recurringbillblog)
### Increased Customer Retention and Acquisition
From a merchant’s point of view, a recurring billing model can help in customer retention. Customers get a seamless experience and can enjoy the services without authorizing every transaction. This reduces their decision points and chances of churning out while buying the product.
Furthermore, the recurring bill model can help merchants reduce acquisition costs as well. For instance, Adobe had a one-time fee of $200. However, they switched the pricing to $10 after adopting the recurring bill model. Naturally, most of their leads were happy to convert after that.
### Upsell and Cross-sell Opportunities
Here’s a statistic that might interest you.
[75-90% of revenue for companies](https://sumo.com/stories/ecommerce-upselling) can be attributed to upsell and cross-sell activities (for companies that engage in it). Moreover, upselling can increase revenue by an average of 10-30%.
Recurring billing has proved successful in increasing customer loyalty and upselling opportunities as well. For instance, OTT platforms like Netflix offer subscription-based models. After building customer loyalty over a while, they may offer to upgrade plans through personalized offers. This helps them increase revenue from existing customers instead of acquiring new customers.
### Accurate Business Predictability
Another advantage of the recurring billing model is that it helps merchants predict their future cash flow easily. Since their customers are on a recurring payment plan, the chances of an unexpected financial crunch are reduced.
Moreover, it helps companies provide accurate growth projections to investors and stakeholders.
## Choosing a Recurring Billing Software
Now that we have covered the types and advantages of recurring billing payments, we still have one major question left.
How can a merchant choose the right recurring billing software?
Here’s all you need to know.
### Easy Payment Methods
One of the biggest advantages of recurring billing payment is that it is convenient. You, as a merchant, must choose a payment gateway that provides an amazing customer experience. Look for a payment gateway that does not require code to activate recurring bill payments.
Instead, go for one that has a user-friendly dashboard that allows easy activation, upgrade and cancellation.
### Comprehensive Dashboard
All the payment gateway transactions can be reconciled with ease through the dashboard. The webhook support can help you update the latest subscriptions and notifications in real-time.
Furthermore, the dashboard can help you obtain advanced reports on the transactions, customer preferred mode of payment and other details. It can also help you employ one-click refunds if required. Ensure that you choose a recurring billing software that provides a well-equipped dashboard.
**Related Read:** [Reconciling Your Payment](https://cashfree.com/blog/reconciling-your-payment/): Comprehensive Guide
### Diverse Modes of Payment
We have already discussed how recurring billing payments work. Try to select a recurring billing system that helps you offer all kinds of payment methods. After all, [7% of carts](https://baymard.com/lists/cart-abandonment-rate) are abandoned due to a lack of preferred payment options.
The right payment gateway will help you accept recurring billing through cards, UPI, wallets, and net banking. Moreover, it will help you accept payments in international currencies and settle the payment in INR.
### Trial Period Offering
A lot of customers prefer to try out a product or service before fully committing to it. In this case, trial periods can prove useful. Try to select a payment gateway that helps you offer trial periods with appropriate subscription plans. These payment gateways can also help you charge at the end of the trial period.
### Offer Recurring Billing Options
Remember we discussed the three types of recurring bill types? Well, here’s where it comes in handy. Depending on your product offering, you need to offer a recurring bill option that suits your business needs.
You may go for fixed charges, pay-per-consumption charges or a combination of both. Select a payment gateway that helps you offer different types of recurring bill options.
### Faster Settlement Cycles
While payment gateways make collections and disbursals a breeze, settlements can be an issue. Try to go for a payment gateway that offers T+2 standard settlement cycles.
In fact, few payment gateways can offer instant settlements. This lets you access the funds within 15 minutes of customer payment!
[](https://blogrevamp.cashfree.com/instant-settlements?utm_source=blog&utm_medium=recurringbillblog)
### Easy Onboarding and Swift Integration
Select a payment gateway that offers easy integration. Most payment gateways have ready-to-use plugins for eCommerce platforms like Magneto, Shopify etc.
Moreover, look for a payment gateway that has integration guides for all major computer languages to further aid your developers. SDKs for mobile app platforms like Android, iOS, React Native etc. are equally important.
Furthermore, the payment gateway must have a dedicated account manager for seamless onboarding. Check out all the details regarding sub-merchant accounts before committing to a payment gateway.
**Related Read:** [Payment Gateway vs Merchant Account](https://cashfree.com/blog/difference-between-payment-gateway-and-merchant-account/)
## FAQs on Recurring Billing
### What are the reasons for the rise of recurring billing payments in India?
The rise of recurring bill payments in India can be attributed to two major reasons.
**International Payment Gateways**
Every transaction made in India has to go through the second step of authorization in India through OTP. While it provides an extra layer of security, it is still an obstacle to the recurring payment model. International Payment Gateways helped businesses avoid two-factor authentication by accepting credit cards for automatic payments.
**Digitization of Recurring Billing Model**
Previously, recurring billing was limited to ECS mandates. This payment mode required physical documents and was cumbersome for customers. With the coming of Standing Instructions, eMandates and UPI Autopay, the process has become instant and digital.
### What is a Recurring Payment? What is the difference between a one time payment and a recurring payment?
Recurring Payment is the same as the recurring bill. Essentially, it refers to periodic payments that may be made monthly, weekly or yearly by a customer to a merchant.
On the other hand, one time payments are transactions that help you buy a product and service at once with no deferred payments.
For instance, buying a mobile handset at once can be a one-time payment. However, paying for your mobile bill every month is a recurring payment.
### Are there recurring billing companies in India?
Yes, Payment Gateways in India can help merchants accept recurring billing. Most payment gateways have tailored subscription-based models for different industries.
For more information, feel free to contact the Cashfree team.
[](https://blogrevamp.cashfree.com/recurring-payment?utm_source=blog&utm_medium=recurringbillblog)
[payment gateway](https://blogrevamp.cashfree.com/tag/payment-gateway/) [payment solution](https://blogrevamp.cashfree.com/tag/payment-solution/) [recurring payments](https://blogrevamp.cashfree.com/tag/recurring-payments/)
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Author [Etee Dubey](https://blogrevamp.cashfree.com/author/writereteedubey/ "Posts by Etee Dubey")
#### Related Posts
[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
5 days ago
[](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/ "Cashfree Affiliate Partner Program: How is it the industry’s best partner program?")
### [Cashfree Affiliate Partner Program: How is it the industry’s best partner program?](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/)
1 month ago
[](https://blogrevamp.cashfree.com/upi-transaction-limit/ "UPI Transaction Limit: SBI, HDFC, ICICI, & other banks (Updated 2025 List)")
### [UPI Transaction Limit: SBI, HDFC, ICICI, & other banks (Updated 2025 List)](https://blogrevamp.cashfree.com/upi-transaction-limit/)
2 months ago
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### Payouts
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
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Payout links to send money without collecting receiver bank account details or UPI details.
[Learn More](https://www.cashfree.com/cashgram/)
### Verification Suite
Verify and validate users before onboarding to ensure the successful transfer of funds to beneficiaries. Verify bank accounts, UPI VPAs, IFSCs, PANs, Aadhaars, and GSTINs instantly.
[Learn More](https://www.cashfree.com/bank-account-verification)
### Payment Gateway
Accept domestic and international payments for your website or app.
[Learn More](https://www.cashfree.com/payment-gateway-india/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
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[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=API%20banking%20India&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
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## Cashfree Payments Updates
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We are delighted to announce our partnership with 100X.VC, India’s first VC to invest in early stage startups using India…
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## Debit Card EMI Solutions
# DEBIT CARD EMI
## Offer Debit Card EMI
and reach 95+ crore customers
Make your products easily affordable to the largest customer segment across India and unlock 40% higher average order value by offering
## EMI on Debit Card.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Debit%20Card%20EMI&action=Sign%20Up&button-id=StartNow_Hero) [Contact Sales](https://www.cashfree.com/contact-sales/?source-action=Debit%20Card%20EMI&action=Contact%20Sales&button-id=ContactSales_Hero)
Provide affordability to customers even without a credit card
### Get access to a wider customer base
Enable shoppers who do not have access to credit card specially from tier 2-3 towns to experience affordable shopping via
## debit card EMI schemes.
### Attract customers with lower interest rates
EMI on Debit cards have a comparatively much lower interest rate than credit cards or other cardless EMI options. This helps you entice customers who are looking for lower EMI outgo.
### Offer no cost EMI on Debit Card and boost sales
Configure no cost EMIs on debit cards using our no-code offer engine and let your customers pay without worrying about interest rates.
### Gain customer trust with no hidden charges
Debit card EMI is transparent and straightforward, with no hidden charges or fees.
- Get access to a wider customer base
- Attract customers with lower interest rates
- Offer no cost EMI on Debit Card and boost sales
- Gain customer trust with no hidden charges
Enable shoppers who do not have access to credit card specially from tier 2-3 towns to experience affordable shopping via
## debit card EMI schemes.
EMI on Debit cards have a comparatively much lower interest rate than credit cards or other cardless EMI options. This helps you entice customers who are looking for lower EMI outgo.
Configure no cost EMIs on debit cards using our no-code offer engine and let your customers pay without worrying about interest rates.
Debit card EMI is transparent and straightforward, with no hidden charges or fees.
Get access to a wider customer base
Enable shoppers who do not have access to credit card specially from tier 2-3 towns to experience affordable shopping via
## debit card EMI schemes.
Attract customers with lower interest rates
EMI on Debit cards have a comparatively much lower interest rate than credit cards or other cardless EMI options. This helps you entice customers who are looking for lower EMI outgo.
Offer no cost EMI on Debit Card and boost sales
Configure no cost EMIs on debit cards using our no-code offer engine and let your customers pay without worrying about interest rates.
Gain customer trust with no hidden charges
Debit card EMI is transparent and straightforward, with no hidden charges or fees.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Debit%20Card%20EMI&action=Sign%20Up&button-id=StartNow_ProvideAffordablity)
Increase visibility of your
## Debit Card EMI Offers
With Cashfree’s BNPL Plus widget you can display EMI on Debit Cards and No Cost EMI offers right on your product page:
- ### Reduce customer drop offs by 30% with upfront visibility of offers
- ### Remove the hesitation to buy high value goods by promoting discounts and BNPL and maximise the cart value by 40%
Plug-in available for:
Powering the conversion funnel for brands:
[Get Early Access](https://form.typeform.com/to/zbRkc6Dt)
Boost your business with
## Debit Card EMI
from India’s top banks
- 
- 
- 
- 
- 
- 
- 
- 
- 
- 
[Check Pricing](https://www.cashfree.com/payment-gateway-charges/)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is Debit Card EMI?
Debit Card EMI is a payment option that allows customers to convert their purchases into easy monthly installments using their debit cards, providing them with affordability and flexibility in payments.
### How does Debit Card EMI benefit my customers?
EMI on Debit Cards enables customers to make purchases without worrying about the immediate full downpayment for their purchase or order value, making it easier for them to afford higher-priced products and increasing their purchasing power.
### How is Debit Card EMI different from Credit Card EMI?
EMI on Debit Card utilizes funds from the customer's bank account, while Credit Card EMI uses their available credit limit. Debit Card EMI does not require a credit card and typically has a variable interest rate based on the bank, providing end customers with flexibility in choosing the most suitable EMI option for their needs.
### Can customers avail Debit Card EMI across all banks?
Debit Card EMI is available through partnerships with multiple banks. Currently we are live with leading banks such as HDFC, Axis, & Kotak but we continue to expand our network of partner banks to provide broader coverage. As an online business, you can offer HDFC Debit Card EMI, Kotak Debit Card EMI and Axis Debit Card EMI on your checkout. Your customers can avail these options based on their debit card EMI eligibility.
### Are there any additional charges or interest associated with Debit Card EMI?
Depending on the bank and the specific EMI offer, there may be nominal processing fees or interest charges associated with EMI on Debit Card. However, we strive to provide attractive and competitive rates to benefit both customers and merchants.
### What is a No-cost EMI on debit card?
Typically, debit card EMIs are accompanied by processing fees and interest charges. However, in the case of no-cost EMI on debit card, the end customers only pay the total amount equivalent to the purchase made, without any additional costs, while the merchant covers the interest charges to the bank.
### Can I configure No-cost EMI on debit card on my checkout?
Yes you can, creating and configuring a no cost EMI on debit cards is super simple. Just follow the steps below:
- Go to Payment Gateway Dashboard > Offers > Create No Cost EMI.
- Enter offer details: Title, offer code, and description.
- Specify start and end timeline. Choose "Starts Immediately" for instant activation.
- Add terms and conditions. Provide a short description or link to your business's terms and conditions.
- Select EMI Type (Credit card or Debit card) and Issuer (bank).
- Choose EMI tenures to offer and view corresponding interest charges.
- Set Max Transactions Limit to restrict the number of transactions for the offer.
- Click Create to save the No Cost EMI offer.
- View the created offer in the Offers section of your dashboard.
- Offers will be displayed during checkout.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Debit%20Card%20EMI&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## GSTIN Verification Guide
Share
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Table of Contents
Toggle
## **What is GSTIN and Why Do Businesses Need It?**
The **Goods and Services Tax Identification Number (GSTIN)** is a 15-digit alphanumeric code that is allotted to every taxpayer under the GST system. Having a GST identification number is important as it helps in verifying the authenticity of a taxpayer registered under GST. Businesses also need to quote their GSTIN during the process of issuing invoices, generating e-way bills, filing GST returns, and submitting information to the tax department.
## **Structure of GSTIN**
There is a lot of information we can get from just taking a look at the GST number, such as:
- The state where the business is being operated
- The PAN number of the GST registered entity/individual
- Number of registrations done by an entity in a state with the same PAN (maximum 35 registrations are allowed)
## **Why is GSTIN Verification Needed?**
It is important to verify the GSTIN of an entity to verify the authenticity of the vendor or third party. [GSTIN Verification](https://cashfree.com/gst-verification/?utm_source=GSTblog&utm_medium=blog-copy&utm_campaign=GSTIN_Launch_blog) helps maintain transparency in business transactions and allows a business to check the credibility of its customers, vendors, etc. Along with this, businesses/ merchants can verify GSTIN details of their users for **quick KYC, Vendor onboarding, financing loans to businesses, and insurance purposes**.
There are various industries/businesses which can benefit from this feature of GSTIN Verification. Some of them are:
- Ecommerce marketplaces
- B2B Reseller Companies
- B2B Ecommerce
- Tax processing and return filing platforms
- Lending and micro-financing platforms
- Insurance providers
- Banks
- Identity verification companies
## **How to verify GSTIN?**
You can verify the GSTIN of any entity in 3 simple steps:
1. [Log in](https://merchant.cashfree.com/merchant/login) (or create an account) to your Cashfree Payments account and go to GSTIN Verification which is a part of the Verification Suite.
2. Click on ‘Verify GSTIN’ and enter the 15-digit GSTIN number of the entity whom you want to validate
3. Get the verification status and other details (if GSTIN is valid) in seconds!
If the GST number is valid, you will get the following details:
- GSTIN status
- Registered legal name of the business
- Taxpayer type \[Regular, Composite, Exempted\]
- Date of registration under GST
- Nature of business activity
- Business principal place address
- Center and State jurisdiction
## Explore Verification Suite by Cashfree Payments
[](https://blogrevamp.cashfree.com/bank-account-verification/?utm_source=blog&utm_medium=blog&utm_campaign=GSTIN+Launch&utm_id=GSTINLaunch)
Activate the complete [Verification suite by Cashfree Payments](https://cashfree.com/bank-account-verification/?utm_source=blog&utm_medium=blog&utm_campaign=GSTIN+Launch&utm_id=GSTINLaunch) and use it with Cashfree Payouts to ensure accurate payouts every time.
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Author [kritinagori](https://blogrevamp.cashfree.com/author/kritinagori/ "Posts by kritinagori")
#### Related Posts
[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
5 days ago
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### [Cashfree Affiliate Partner Program: How is it the industry’s best partner program?](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/)
1 month ago
[](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/ "Payment Fraud Red Flags & Prevention Tips for Business Security")
### [Payment Fraud Red Flags & Prevention Tips for Business Security](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/)
5 months ago
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
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## Cashfree's Investment in Telr
Share
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Ftelr-investment%2F "Share on Facebook") [Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Ftelr-investment%2F&text=Welcoming%20Telr%20to%20the%20Cashfree%20Payments%20family%21 "Share on Twitter") [Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Ftelr-investment%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2021%2F12%2FTelr-05.png&description=Welcoming%20Telr%20to%20the%20Cashfree%20Payments%20family%21 "Pinterest") [LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Ftelr-investment%2F "LinkedIn") [Email](mailto:?subject=Welcoming%20Telr%20to%20the%20Cashfree%20Payments%20family%21&body=https%3A%2F%2Fblogrevamp.cashfree.com%2Ftelr-investment%2F "Email")
Since our inception in 2015, Cashfree Payments has become one of the leaders in the payments and API banking space in India, with a wide range of products and serving over 100000 merchants.
What started as an idea to help small businesses solve their payment collection needs, Cashfree Payments is now a force to reckon with, serving over 100000 merchants across 23 countries and processing over $20billion transactions per year.
In our next big step towards democratizing payments and API banking for businesses, we have now made an equity investment of $15 million in Telr, a leading Payment Service Provider (PSP) in UAE and Saudi Arabia.
Telr is one of the most trusted and popular payment companies in the MENA region, facilitating digital payment acceptance for merchants through a payment gateway solution, supporting multiple shopping cart integrations, 30 languages and 120 currencies, using a direct or aggregated model.
The company offers comprehensive solutions like fraud protection, multi-currency processing, checkout optimization, recurring payments, primarily catering to SMEs.
The prime objective of this investment is to find new markets for innovations we launched in India and, at the same time, equip Telr to strengthen its product and technology play and help them be #1 payment service provider in the region.
This investment also creates an opportunity for us to understand the global landscape of consumer behaviour and how we can leverage it to build a truly world-class fintech company based out of India. India being a leader in fintech (and payments to be more specific) gives us the ability to quickly innovate and test them out in a large market.
Telr’s credibility and significant operations in the MENA region also poses an exciting opportunity for us to jointly extend our innovative and effective solutions in this market. We are looking at this strategic investment as an opportunity to tap into the attractive and growing online consumer market in the MENA region, empowering businesses to adapt to the fast-growing online market and securing payments which is increasingly moving towards a cashless ecosystem.
With our insights and experience from the Indian market, we look forward to partnering with local players and improving the service offerings significantly.
Onwards and upwards!
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Author [akashcashfree](https://blogrevamp.cashfree.com/author/akashcashfree/ "Posts by akashcashfree")
#### Related Posts
[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
5 days ago
[](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/ "Cashfree Affiliate Partner Program: How is it the industry’s best partner program?")
### [Cashfree Affiliate Partner Program: How is it the industry’s best partner program?](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/)
1 month ago
[](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/ "Payment Fraud Red Flags & Prevention Tips for Business Security")
### [Payment Fraud Red Flags & Prevention Tips for Business Security](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/)
5 months ago
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
- [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
- [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
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## Engineering Insights
Category
## Engineering
_Category_
Concurrency issues can be tricky as they often arise when multiple requests hit your system at the same time, leading…
[Read More](https://blogrevamp.cashfree.com/optimising-concurrency-in-spring-boot/)
[](https://blogrevamp.cashfree.com/decoding-the-digital-threat-landscape-the-rising-tide-of-payment-fraud/)
In [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
## [Decoding the Digital Threat Landscape: The Rising Tide of Payment Fraud](https://blogrevamp.cashfree.com/decoding-the-digital-threat-landscape-the-rising-tide-of-payment-fraud/)
[1 month ago](https://blogrevamp.cashfree.com/decoding-the-digital-threat-landscape-the-rising-tide-of-payment-fraud/) 8 Mins Read
India is projected to lose ₹1.2 lakh crore to cyber fraud by this year, accounting for nearly 0.7% of its…
[](https://blogrevamp.cashfree.com/routine-security-test-for-bug-bounty-discovery/)
In [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
## [How a Routine Security Test Led to My First CVE and Bug Bounty: Lessons in API Security and Beyond](https://blogrevamp.cashfree.com/routine-security-test-for-bug-bounty-discovery/)
[2 months ago](https://blogrevamp.cashfree.com/routine-security-test-for-bug-bounty-discovery/) 5 Mins Read
Every security engineer has that one story—an unexpected discovery that changes the course of their career. For me, that moment…
[](https://blogrevamp.cashfree.com/smart-log-management-system/)
In [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
## [From Log Overload to Cost-Efficient Storage: Cashfree Payments’ Journey to Smarter Log Management](https://blogrevamp.cashfree.com/smart-log-management-system/)
[3 months ago](https://blogrevamp.cashfree.com/smart-log-management-system/) 6 Mins Read
At Cashfree Payments, we have multiple microservices running on Kubernetes, alongside a few monolithic services on EC2, both contributing to…
[](https://blogrevamp.cashfree.com/evolution-of-cashfree-sdk-journey/)
In [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
## [Manual to Automated: Evolution of Cashfree’s SDK Journey](https://blogrevamp.cashfree.com/evolution-of-cashfree-sdk-journey/)
[4 months ago](https://blogrevamp.cashfree.com/evolution-of-cashfree-sdk-journey/) 8 Mins Read
In software development, efficiency often hinges on choosing between building from scratch or leveraging pre-built solutions. For Cashfree Payments, an…
[](https://blogrevamp.cashfree.com/improving-website-performance-using-unlighthouse/)
In [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
## [Improving Cashfree Payments Website Performance Using Unlighthouse](https://blogrevamp.cashfree.com/improving-website-performance-using-unlighthouse/)
[6 months ago](https://blogrevamp.cashfree.com/improving-website-performance-using-unlighthouse/) 5 Mins Read
Optimising web performance is essential to guarantee customer satisfaction and improve search engine results. With Google prioritising performance as a…
[](https://blogrevamp.cashfree.com/national-engineers-day/)
In [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
## [National Engineer’s Day: Insights from the Innovators at Cashfree Payments](https://blogrevamp.cashfree.com/national-engineers-day/)
[7 months ago](https://blogrevamp.cashfree.com/national-engineers-day/) 4 Mins Read
At its core, engineering is a way of thinking – a mindset dedicated to solving the most pressing problems around…
[](https://blogrevamp.cashfree.com/no-code-custom-report-generator/)
In [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
## [Financial Reporting at Cashfree Payments: No-Code Custom Report Generator](https://blogrevamp.cashfree.com/no-code-custom-report-generator/)
[7 months ago](https://blogrevamp.cashfree.com/no-code-custom-report-generator/) 5 Mins Read
In today’s data-driven world, generating timely reports is essential for maintaining an agile and effective organization. However, the process of…
[](https://blogrevamp.cashfree.com/payment-processing-optimisation/)
In [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
## [Optimising Payment Processing for Major Events: Effective High-Scale Traffic Handling](https://blogrevamp.cashfree.com/payment-processing-optimisation/)
[8 months ago](https://blogrevamp.cashfree.com/payment-processing-optimisation/) 9 Mins Read
Introduction Handling millions of transactions per minute during major events like e-commerce flash sales, tatkal ticket booking, or the IPL…
[](https://blogrevamp.cashfree.com/building-data-tables-using-open-source-libraries/)
In [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
## [Building DataTables using open-source libraries](https://blogrevamp.cashfree.com/building-data-tables-using-open-source-libraries/)
[8 months ago](https://blogrevamp.cashfree.com/building-data-tables-using-open-source-libraries/) 3 Mins Read
Tables are an integral part of our merchant dashboard. They empower our merchants with the information they need to make…
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
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## Asheeta Regidi's Insights
Author
## Asheeta Regidi
_Browsing_
This blog was drafted by Asheeta Regidi, Associate Director of Policy at Cashfree Payments and originally published on Finextra. Digitising…
[Read More](https://blogrevamp.cashfree.com/digital-lending-guidelines/)
Cashfree completes test phase of regulatory sandbox on cross border payments The Reserve Bank of India has released an update…
[Read More](https://blogrevamp.cashfree.com/policy-radar-bringing-convenience-to-cross-border-investing/)
Another version of this article was first published on Finextra dated July 20th, 2022. The Reserve Bank of India (RBI) has notified…
[Read More](https://blogrevamp.cashfree.com/rbi-bans-loading-ppis-via-credit-lines/)
Indian Computer Emergency Response Team (CERT-In) recently issued new Cybersecurity Directions, which among other requirements mandated: A 6-hour reporting timeline…
[Read More](https://blogrevamp.cashfree.com/do-cert-in-faqs-help-industry-compliance/)
The financial sector, banking in particular, is undergoing a major revolution in India. Which is why it is a highly…
[Read More](https://blogrevamp.cashfree.com/bringing-consumer-protection-to-card-issuance/)
In the post-Covid-19 world, there has been a gradual shift towards acceptance and usage of digital payment methods as they…
[Read More](https://blogrevamp.cashfree.com/offline-payments-coming-soon-via-upi-lite/)
The payments and banking landscape has seen a constant evolution over the last few years. From UPI to BaaS, and…
[Read More](https://blogrevamp.cashfree.com/top-booster-shots-driving-financial-inclusion-in-india/)
This blog is penned by Asheeta Regidi, Head of Fintech Policy and Amlan Chanda, Associate Director of Product Management at…
[Read More](https://blogrevamp.cashfree.com/digitizing-pos-payments/)
Via the Payments Digest, we aim to provide a view on key developments with payments regulations each month. In the…
[Read More](https://blogrevamp.cashfree.com/payments-digest-by-cashfree-enabling-offline-digital-payments/)
Via the Payments Digest, we aim to provide a view on key developments with payments regulations each month. In the…
[Read More](https://blogrevamp.cashfree.com/payments-digest-by-cashfree-december-2021-extending-tokenisation-deadlines/)
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- [Payments](https://blogrevamp.cashfree.com/category/payments/)
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- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
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## Grievance Redressal Policy
# Customer Grievance Redressal Policy
## Introduction
Cashfree Payments India Private Limited, a company incorporated under the Companies Act 2013, having its registered office at Vaishnavi Summit, No. 6/B, Summit, 80 Feet Rd, Koramangala 1A Block, Bengaluru, Karnataka 560034, (hereinafter referred to as “Cashfree”) provides payments solutions (including payment aggregator and gateway services) that helps businesses collect and disburse payments.
Cashfree facilitates a variety of Business Institutions (“Merchants”) to collect payments, from their end customers, through its powerful, scalable, tailor-made payments platform, for both domestic and international transactions. Cashfree offers multiple products to its Merchants, which allows the Merchants to collect payments in a secure, transparent, affordable, and convenient manner from their end customers. Being a service oriented financial services company, satisfaction of Merchants and the Customers using Cashfree, is of prime importance of Cashfree to maintain a lasting relationship, and to encourage Merchants and Customers to transact digitally in a safe and secured way.
Therefore, Cashfree has delineated this Policy, duly approved by its Board of Directors, to define mechanisms (a) to ensure that the Merchants and Customers are treated fairly and without bias always, and (b) to provide for an opportunity to the Merchants and the Customers to raise and/ or escalate their complaints within and outside Cashfree, if they are unsatisfied with Cashfree’s products or services.
### Objective & Scope
- ### Define Cashfree’s responsibility as a Regulated Entity.
- ### Comply with the RBI’s policies, and all other relevant and applicable regulations.
- ### Document protocols and principles for customer and merchant grievance redressal and dispute resolution, and to put in place systems, procedures and review mechanisms for customer and merchant complaints / grievances and to ensure prompt redressal of the same.
- ### Define mechanisms through which the Customers can raise their concerns against suspected/ actual fraud, deception, or unethical practices against any of Cashfree’s Merchants.
- ### Ensure that there is a mechanism for compensating customers expeditiously as required under the applicable laws.
This Policy is applicable to Cashfree, and all the products and services offered by Cashfree, including Cross Border Payments, its Merchants, Partners, Employees, Customers, and Agents doing business with Cashfree.
### Governance & Oversight
The Board shall oversee the implementation of Cashfree’s Grievance Redressal framework and be responsible for approving the Policy, and any change thereafter, to set the tone from the top for continuous adherence to applicable laws and regulations and RBI’s directions. The Board shall appoint a Nodal Officer for the purpose of ensuring adherence to the Policy requirements.
The Nodal Officer shall, on a quarterly basis, monitor the complaint trends, corrective and preventive actions being taken to reduce complaints along with other customer focused initiatives to enhance customer experience, and along with the inputs from the senior management, if any, on the improvement of the quality of service delivered to customers, put the key results and recommendations to the Board for consideration. Senior Management shall include the Business Unit heads of the functions, contributing to the majority of grievances during the period under review.
### Record Keeping
The records pertaining to customer complaints shall be maintained for at least five years after the business relationship is ended. Moreover, timely backup of system data of complaints shall be taken to ensure availability of data at all times.
### Definitions
- ### “Customer(s)” is defined as an end-customer who will be purchasing goods /services from the Merchants by making payment via different payment instruments.
- ### “Merchant(s)” shall be a user of Cashfree’s services for accepting various payment instruments from the Customers for completion of their payment obligation.
- ### “Complaint(s)” shall include service deficiency or error on the part of Cashfree in offering any service and /or non-conformance in any of the Cashfree’s product / process leading to a dispute / grievance by the Merchant or the Customer. Examples of such complaints -
- ### Customer facing unreasonable delay (beyond delivery due date) or failure on part of the Merchant in delivering goods / services for which the payment transactions were processed using Cashfree services, and Merchant is not supporting the Customer;
- ### Customers having noticed an unauthorised electronic fund in their account, and the funds were used to process transactions on Cashfree’s platform, and the Customer approached Cashfree through appropriate legal procedures;
- ### Unreasonable delay (beyond the time communicated to the Customer by the Merchant) on refunding the transaction amount post refund confirmation;
- ### Non-adherence to any instructions / circulars / guidelines of the Reserve Bank of India or any applicable law to Cashfree and/ or the Merchant;
- ### Merchants not getting services as promised by Cashfree, including downtime of the payment gateway etc. or;
- ### Any other issue pertaining to the transaction processed by Cashfree.
## Grievance Redressal and Escalation Matrix
Grievance Redressal Framework
Merchants / Customers, having any Query, Feedback or Complaint, pertaining to the transactions they may have processed or attempted to process using Cashfree’s platform, or with regards to the product or services offered by Cashfree, may directly reach out to Cashfree via any of the following channels -
- ### The Merchant / Customer can visit Cashfree Support Page - [Support](https://www.cashfree.com/support/) and refer to the information (provided in an FAQ format) for the specific queries / issues related to their complaints / grievances at [https://www.cashfree.com/support/](https://www.cashfree.com/support/)
- ### Customers may also check the status of their transactions using the reference number provided by Cashfree at [https://www.cashfree.com/en/report-issue](https://www.cashfree.com/en/report-issue/)
Upon receipt of the query, feedback or complaint from the Customer or the Merchant, a ticket is generated, and a unique reference number is allotted and the same is communicated via email. The Cashfree Support team shall respond to the grievance filed by the Merchant / Customer within 10 business days from the date of receipt of such complaint.
In the event that the Merchants or the Customers are not satisfied with the resolution provided for their queries or the complaints, they may use the following mechanisms to escalate their concerns to Cashfree.
Additionally, Customers may reach out to Cashfree through alternate channels, such as via their Issuing Banks where they face challenges regarding the non-delivery of goods / services or through Law Enforcement Agencies when they see an unauthorised transaction in their account, for which the process is detailed in the subsequent sections.
Escalation Matrix & Turn Around Time for Disposal of Complaints
Level 1
In case the Merchant / Customer wishes to escalate the complaints / grievances, the Merchant / Customer can write to: [escalations@cashfree.com](mailto:escalations@cashfree.com).
Cashfree shall attempt to respond within 5 business days from the date on which grievance was filed.
Cashfree shall provide an option to the Customers / Merchants to seek / track the status of their grievances, throughout the lifecycle of a grievance, via email and / or through the merchant dashboard.
The Merchant / Customer may request for an update on the grievance in case any grievance requires more than the specified time period. The Merchant / Customer shall be kept updated on the status of their complaint(s).
If the Merchant / Customer is not satisfied with the response provided, the Merchant / Customer can go for the next level of escalations.
Level 2
In case the Merchant / Customer still has any complaint / grievance, the Merchant / Customer may escalate such complaint / grievance to Cashfree’s Grievance Officer, the details of whom are provided as follows:
Nodal Officer (Grievance Redressal): Fasih Abbas M
ADDRESS: Cashfree Payments India Pvt Ltd, Vaishnavi Summit,�No. 6/B, Summit, 80 Feet Rd, Koramangala 1A Block, Koramangala 3 Block, Koramangala, Bengaluru, Karnataka 560034.
E-MAIL: grievances@cashfree.com.
The Grievance Officer shall attempt to respond within 5 business days from the date on which grievance was filed.
The merchant/customer may request for an update on the grievance in case any grievance requires more than the specified time period. The Merchant / Customer shall be kept updated on the status of their complaint(s).
Level 3
If the Merchant / Customer is not satisfied with the resolution provided by Cashfree, or has not received a reply within 30 days of filing the complaint with Cashfree, then he / she can file the complaint with the RBI’s Integrated Ombudsman. Complaint lodging portal of the Ombudsman: [https://cms.rbi.org.in/](https://cms.rbi.org.in/)
**Toll-Free Phone No:** 14448\|**Email ID:** [crpc@rbi.org.in](mailto:crpc@rbi.org.in)
**Address:** Centralised Receipt and Processing Center, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh, PIN – 160017
For more details about the RBI’s Integrated Ombudsman Scheme, please refer to the link: [RBI Ombudsman](https://rbidocs.rbi.org.in/rdocs/content/pdfs/RBIOS2021_121121.pdf)
Cashfree shall display the Grievance Redressal Mechanism on its website, [https://www.cashfree.com/support/](https://www.cashfree.com/support/), to increase the awareness of the same among its Merchants and the Customers.
Regulatory Reporting
Cashfree shall intimate the details of the Nodal Officer appointed for the purpose of grievance redressal to RBI and prominently display the details of the Nodal Officer on their website. Further, Cashfree shall also ensure timely submission of any ad hoc / periodic reports required by RBI related to Customer / Grievance Redressal.
### Dispute Management/ Chargebacks Mechanism
A dispute, also known as ‘chargeback’, arises when a Customer raises a claim with the Issuing Bank for a purchase/transaction that was made on their account. Card networks and regulated entities such as National Payments Corporation of India (NPCI) provide the rights to the cardholder/consumer to claim a chargeback for various reasons such as:
- Fraud transactions;
- Product/ services not delivered;
- Defective product or services are delivered;
- Duplicate payments/ double debits; etc.
The timeline(s) for raising such disputes may vary from card association to card association.
Chargeback Process
The chargeback process would involve parties such as the cardholder, the issuer, the acquirer, the processor, and the merchant who renders the goods or services, each of which has different responsibilities in the life cycle.
**The overview of the process is as follows:**
Broadly, where a customer has reached out to the Issuing Bank/other institution and has disputed the transaction made by them using his/her payment mode/mechanism on the merchant site, the following process is followed:
- The acquiring partner sends us a dispute notification to determine the validity of the transaction and we create a dispute corresponding to such transaction(s) in our system.
- Upon receiving such notification from the bank, Cashfree notifies the merchant with the dispute details to submit such supporting documents.
- Once the Merchant uploads such documents for evaluation, Cashfree further submits them to the banks for their review.
- The banking partner analyses the evidence/documents and determines whether the services are delivered by the Merchant as promised.
Chargeback Resolution
A chargeback case may have one of the following outcomes -
| Possibility | Outcome |
| --- | --- |
| **Acceptance** | When the Customer’s chargeback is valid, the Merchant may choose to accept the chargeback. An acceptance will result in a credit to the Customer’s account as per the network timelines and a permanent debit to the Merchant’s account. |
| **Contestation/ Representation** | When services / goods are rendered against the said payment, the Merchant can upload the relevant documents such as proof of delivery, service utilisation proofs etc. The documents hence submitted are further represented to the acquiring banks and subsequently to the issuers and networks. |
| **Deemed accepted** | In the event a chargeback is not represented / accepted by the Merchant within the given timeline, the chargeback is deemed as accepted and the decision is not reversible. As in the case of acceptance this too shall have a permanent debit to the Merchant’s Cashfree account. |
### Refunds
Customers may request a refund from the Merchant due to reasons such as the non-delivery of goods or poor service quality. Merchants can initiate refunds against transactions with Cashfree payments, which are posted to the original method of payment unless otherwise agreed by the end Customer. Credits for such refunds or reversals (as detailed in the previous section) shall be routed back through Cashfree’s PA escrow account.
Refund processing timelines
Refund requests are not accepted after a period of 120 days from the date of the transactions unless the acquiring banking partners support such a request.
Once the refund is initiated with the bank, it generally takes about 5 to 7 working days to get reflected on the customer's account / card statement, however, actual timelines may differ given the dependencies of multiple stakeholders involved during the process -
### Failed transactions and reversals
As per RBI’s Notification on Harmonisation of Turnaround Time (TAT) and customer compensation for failed transactions, a ‘failed transaction’ is a transaction which has not been fully completed due to any reason not attributable to the customer such as failure in communication links, non-availability of cash in an ATM, time-out of sessions, etc. Failed transactions shall also include the credits which could not be affected to the beneficiary account on account of lack of full information or lack of proper information and delay in initiating a reversal transaction. Further, domestic transactions i.e., those where both the originator and beneficiary are within India were covered as part of the circular.
Therefore, Cashfree shall ensure that the reversals happen within the TAT prescribed in the guidelines, corresponding to the payment mode used, or provide compensation to the customer wherever there is a delay.
## Fraud alerts from the LEA
As stated in the previous section, in the event Cashfree receives an alert from the Law Enforcement Agencies (LEA) through NCRP portal, email communications from Income Tax Department, MHA etc., regarding unauthorised transaction in the Customer’s account, Cashfree shall take all reasonable steps to stop the transactions at the Merchant’s end to recover the funds or to take necessary proof to evidence that the goods / services were provided in good faith.
Cashfree shall also ensure to adhere to any other instruction received from the LEA. Cashfree has laid down a dedicated team to handle such requests, along with a Nodal Officer, who may be reached out at the following details -
**Nodal Officer (LEA support)**
**ADDRESS:** Cashfree Payments India Pvt Ltd, Vaishnavi Summit, No. 6/B, Summit, 80 Feet Rd, Koramangala 1A Block, Koramangala 3 Block, Koramangala, Bengaluru, Karnataka 560034
**E-MAIL:** [cybercell@cashfree.com](mailto:cybercell@cashfree.com)
Details of the Nodal Officer shall be updated on Cashfree’s website too
Review
This Policy is subject to review by the Board of Directors of Cashfree as and when deemed necessary. The Board of Directors shall annually review the functioning of the grievance redressal mechanism.
## Obligation of Secrecy
Cashfree shall maintain secrecy regarding the Merchant / Customer information which arises out of the contractual relationship between Cashfree and the Merchant.
While considering the requests for data / information from the Government and other agencies, Cashfree shall satisfy themselves that the information being sought is not of such a nature that will violate the provisions of the laws relating to secrecy in the banking transactions. The exceptions to the said rule shall be as under:
- ### Where disclosure is under compulsion of law.
- ### Where there is a duty to the public to disclose.
- ### Where the interest of bank requires disclosure; and
- ### Where the disclosure is made with the express or implied consent of the Customer.
Customer information shall not be divulged for the purpose of cross selling, or for any other purpose without the express permission of the Customer.
### Applicable Regulations / Guidelines
This Policy shall be subject to the applicable laws including but not limited to the rules, regulations, guidelines, directives and instructions issued by the RBI, from time to time and shall supersede the earlier version of the Policy, including the following -
- ### RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways as amended from time to time.
- ### RBI Notification on Harmonisation of Turnaround Time (TAT) and customer compensation for failed transactions using authorised Payment Systems.
- ### RBI Notification on Integrated Ombudsman Scheme, 2021.
- ### Regulation of Payment Aggregator – Cross Border (PA - Cross Border) as amended from time to time.
Any change / amendment in applicable laws with regard to the maintenance of an appropriate grievance redressal mechanism shall be deemed to be incorporated in this Policy by reference and this Policy shall be deemed to have been amended and revised accordingly.
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=grievance%20redressal&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
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## Bank Account Verification
# Bank Account Verification
## Verify bank account details instantly
## Verify bank accounts
and holder name during onboarding KYC and before making payouts.Complete account verification suite:
- ### Bank account
- ### IFSC
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=BAV%20Page&action=Sign%20Up&button-id=StartNow_Hero)
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Use Cases
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Making transactions fool-proof by verifying Account Holder Name
- ### Validate the accuracy of bank account details
- ### Match the name with account holder name
- ### Verify if the IFSC is correct
[Try Now](https://merchant.cashfree.com/merchants/signup?source-action=BAV%20Page&action=Sign%20Up&button-id=StartNow_UseCase)
Bank Account Verification
[Features](https://www.cashfree.com/bank-account-verification/#features) [Integrations](https://www.cashfree.com/bank-account-verification/#integrations) [Pricing](https://www.cashfree.com/bank-account-verification/#Pricing)
BANK ACCOUNT VERIFICATION
## Instant Bank Account Verification
Verify the bank account details of users individually or in bulk via APIs and excel upload, and make sure your next payment is going to the right beneficiary.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=BAV%20Page&action=Sign%20Up&button-id=StartNow_InstantBAV)
## Verification support for accounts of 600+ banks
## Verify beneficiary accounts
, account holder name and IFSC codes for 600+ banks including public, private, rural and cooperative banks.
## Bulk Bank Account Verification
Do a
## single Bank Account Verification
or upto 10000 bank accounts in one go, via excel upload or APIs.
## Beneficiary name verification
Verify the beneficiary name against the account holder name at the bank.
## Inbuilt approval flow
Assign maker and checker role to reduce human errors and higher accuracy.
BUILT FOR ENTERPRISES
Here is why growing businesses trust Cashfree Bank Verfication
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INTEGRATIONSimplest and easiest to
## integrate Bank Account Verification API
Integrate powerful
## Bank Account Verification APIs
with your product using only a few lines of code and automate the onboarding process and ensure successful payouts with Cashfree Payments.
- Highly reliable and secure Bank Account Verification APIs
- Use the official Cashfree Payments libraries for different programming languages to integrate with your product and automate account verification flow
- With webhooks, get notified on single or bulk verification status in real-time
[View API documentation](https://docs.cashfree.com/reference/pg-new-apis-endpoint)
cURLJavaPythonPHPNode JS
```javascript
curl
--request GET
--url https://payout-api.cashfree.com/payout/v1.2/validation/bankDetails
--header 'accept: application/json'
```
#### No code solutions
- Do single Bank Account Verification or do upto 10,000 accounts verification by using simple excel upload
- Just enter the beneficiary's account number/IFSC and get instant response
[View Documentation](https://docs.cashfree.com/reference/pg-new-apis-endpoint)
Use cases for various industries
Bank Account Verification for innovative businesses
## Verify bank account details
before onboarding and validate accounts before making payouts with Cashfree Payments.
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Complete Verification Suite
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PRICING
Industry leading solution with more than 97% success rate
Start Free Trial
Do free Bank account verification with free credits worth ₹100/-
Verification Suite
Verify bank account details or branch IFSC in real-time
[Start Free Trial](https://merchant.cashfree.com/merchants/signup?source-action=BAV%20Page&action=Sign%20Up&button-id=StartNow_Pricing)\\* GST applicable
\\* GST applicable
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API Integration
Connect Verification APIs with other Cashfree Payments products
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Explore other products
### Payouts
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Aadhaar Verification
Instantly verify Aadhaar details of users with consent-based verification flow.
[Learn More](https://www.cashfree.com/aadhaar-verification/)
### PAN verification
Verify the validity of user's PAN along with cardholder details, at scale.
[Learn More](https://www.cashfree.com/PAN-verification/)
### GSTIN Verification
Instantly verify GSTIN of vendors for quick KYC and onboarding.
[Learn More](https://www.cashfree.com/gst-verification/)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=BAV%20Page&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
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## Cross-Border Payment Solutions
# Cross-Border Imports
## Simplify International Payments with Cashfree
Seamlessly collect payments from Indian customers using diverse payment methods, ensuring faster settlements, enhanced transaction transparency, and compliance with the latest regulations.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
## Key features of our imports solution
Cashfree's Imports product offers diverse payment options, quick settlements, and seamless compliance to streamline your international transactions.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
### Seamless INR Collection
Collect money in multiple payment modes such as UPI, Net Banking, Cards, etc.
### Smooth Transaction Verification
Bulk submit transaction information using Cashfree’s APIs or Dashboard.
### Tax Disbursal - GST/Equalisation Levy
Disburse taxes to your tax agent in India after INR payment collection.
### Settlement in 30+ Currencies
Receive settlements in the currency of your preference.
### Bulk Settlement
Save on FX revenue by settling in bulk across multiple currencies.
Payment collection from India simplified
Step 1
Indian Customer makes a purchase of ₹5000
Step 2
Transaction is processed through Cashfree's acquiring bank
Step 3
Cashfree collects the amount as a licensed Payment Aggregator in India
Step 4
Cashfree Payments settles £49 to the merchant
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
Diverse Applications for Seamless Payment Collection
- E-commerce Transactions
- Digital Services
- Physical Goods
E-commerce Transactions
Cashfree’s Imports product streamlines the payment collection process for online retail purchases, offering a seamless and efficient experience for both merchants and customers. By simplifying transactions, it helps e-commerce businesses enhance customer satisfaction and improve conversion rates.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
Digital Services
For businesses dealing in digital goods and services, Cashfree’s Imports product provides an effortless way to manage payments. It supports a variety of payment methods, ensuring that customers can easily purchase digital products like software, subscriptions, and online courses. This enhances the user experience and drives higher sales.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
Physical Goods
Managing payments for imported physical goods can be complex, but Cashfree’s Imports product makes it straightforward and efficient. It handles the intricacies of cross-border transactions, offering businesses a reliable way to collect payments for goods imported from international markets. This ensures timely and accurate payment processing, allowing businesses to focus on growth and expansion.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
E-commerce Transactions
E-commerce Transactions
Cashfree’s Imports product streamlines the payment collection process for online retail purchases, offering a seamless and efficient experience for both merchants and customers. By simplifying transactions, it helps e-commerce businesses enhance customer satisfaction and improve conversion rates.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
Digital Services
Digital Services
For businesses dealing in digital goods and services, Cashfree’s Imports product provides an effortless way to manage payments. It supports a variety of payment methods, ensuring that customers can easily purchase digital products like software, subscriptions, and online courses. This enhances the user experience and drives higher sales.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
Physical Goods
Physical Goods
Managing payments for imported physical goods can be complex, but Cashfree’s Imports product makes it straightforward and efficient. It handles the intricacies of cross-border transactions, offering businesses a reliable way to collect payments for goods imported from international markets. This ensures timely and accurate payment processing, allowing businesses to focus on growth and expansion.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
## Advantages of Cashfree Solution
Faster Settlements
Transactions settle within T+2 days, improving cash flow and operational efficiency.
Diverse Payment Options
Offer a variety of payment methods including UPI, credit/debit cards, and net banking.
Centralized Transaction Monitoring
Use our centralized dashboard for enhanced transaction monitoring and reconciliation.
End-to-End Tech Stack APIs
Share transaction-level updates and document flow through our seamless API integration.
Bulk Settlement
Allows settlement in bulk across currencies, saving FX revenue.
Compliance
Built on the latest PA-CB regulations, ensuring compliance and expanding payment options for a seamless import experience.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
Tailored Solutions for Payment Aggregators and Marketplaces
Foreign Payment Aggregators
- ### **Efficient Payment Collection** Facilitate smooth and efficient payment collection for your network of merchants doing business in India, with support for multiple payment methods and bulk settlement options.
- ### **Multiple Payment Methods** Support for a variety of payment methods including UPI, Net Banking, and Cards, ensuring flexibility and convenience for merchants.
- ### **Bulk Settlement Options** Save on FX revenue by settling in bulk across multiple currencies, enhancing operational efficiency.
Foreign Marketplaces
- ### **Simplified Payment Processes** Simplify payment processes for your sellers by offering a variety of local payment options, ensuring faster settlements, and complying with local tax regulations.
- ### **Faster Settlements** Ensure faster settlements within T+2 days, improving cash flow and operational efficiency for your sellers.
- ### **Local Tax Compliance** Comply with local tax regulations by disbursing taxes such as GST/Equalisation Levy directly to your tax agent in India after INR payment collection.
[Contact Sales](https://form.typeform.com/to/pGEH0wAV)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### How fast are the settlements?
Transactions settle within T+2 days, ensuring improved cash flow and operational efficiency.
### What payment methods are supported?
We support a variety of payment methods including UPI, credit/debit cards, and net banking.
### How does Cashfree ensure compliance?
Our solution is built on the latest PA-CB regulations, ensuring compliance and expanding payment options.
### Can I receive settlements in my preferred currency?
Yes, we offer settlements in 30+ currencies, ensuring global flexibility.
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=Cross%20Border%20Imports&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## PAN Verification Service
Share
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpan-verification%2F "Share on Facebook") [Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpan-verification%2F&text=%5BWhat%27s%20New%3F%5D%20PAN%20Verification%20is%20now%20available%20on%20Verification%20Suite%20by%20Cashfree%20Payments "Share on Twitter") [Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpan-verification%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2021%2F10%2FPANverification_Thumbnail-2-1.png&description=%5BWhat%27s%20New%3F%5D%20PAN%20Verification%20is%20now%20available%20on%20Verification%20Suite%20by%20Cashfree%20Payments "Pinterest") [LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpan-verification%2F "LinkedIn") [Email](mailto:?subject=%5BWhat%27s%20New%3F%5D%20PAN%20Verification%20is%20now%20available%20on%20Verification%20Suite%20by%20Cashfree%20Payments&body=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpan-verification%2F "Email")
Table of Contents
Toggle
## **Verification Suite by Cashfree Payments**
We launched the Verification Suite, starting with Bank Account Verification in 2019, and since then businesses like Zomato, Signzy, Rapido, BookMyForex have been using it for various purposes,
- Zomato is ensuring quick and correct onboarding of delivery partners using Cashfree Payments’ API
- Signzy trusts Cashfree Payments for reliable and real-time verification of bank account numbers as a part of its KYC suite
- Bookmyforex uses Cashfree Payments for instant bank verification of money exchangers.
We are now live with PAN verification as part of the Verification Suite by Cashfree Payments
## **Introducing PAN Verification**
Now validate user’s PAN number instantly with complete Verification Suite by Cashfree Payments. Using PAN Verification, merchants can now verify their user’s PAN details manually or via API.
The system will return whether the PAN is valid or not along with the following details (if valid):
1. PAN number
2. Name provided
3. Verification ID
4. PAN type
5. Name registered
This feature allows merchants to do a single verification or a bulk verification of upto 10,000 PANs via API. It will help merchants to verify the users’ PAN card details to process their KYC, loans & insurance in near real-time. To know about how PAN verification can help your business, read more [here](https://cashfree.com/blog/pan-verification-with-pan-card-verification-api/).
### **Why is PAN verification needed?**
PAN verification is used to check the authenticity and validity of a PAN Card and also check if the card is owned by a business or an individual. Merchants and businesses can use it for various purposes, such as:
- Onboarding vendors
- Onboarding employees
- Transferring funds or process payments
- Required for KYC
The various industries/ businesses that can benefit from the Online PAN verification facility are:
- Financial Institutions like Banks etc.
- Credit card companies/Institutions
- Insurance providers
- Payments and Fintech companies
- Investment portals
- Wallets
- Marketplaces (for onboarding vendors)
- Large corporations (for onboarding employees)
## **More about Verification Suite by Cashfree Payments**
Cashfree provides bank account and IFSC verification support for accounts with more than 600 banks.
### **Bank Account Verification:**
Verify bank account details before onboarding and validate accounts before making payouts with Cashfree Payments. Minimize failed bank transfers by matching the name provided by the beneficiary with the name at the bank before making a payout.
### **UPI verification**
Cashfree Payments provides instant means to verify if the given UPI ID is valid and shows the account holder’s name. Verify any number of UPI ids of individuals or entities with Cashfree Payments.
### **IFSC verification**
Check against the most exhaustive list of IFSC codes updated weekly. Check the validity of the IFSC code and know the bank name and branch it belongs to.
### **PAN Verification**
Cashfree Payments allows merchants to do a single verification or a bulk verification of upto 10,000 PANs via API. View details like PAN type, name of the PAN holder, verification status, and more, of all PAN numbers verified for the given range.
Activate the complete Verification suite by Cashfree Payments and use it with Payouts to ensure accurate payouts every time.
If you’re interested in activating PAN Verification, please [sign up](https://blogrevamp.cashfree.com/PAN-verification/?utm_source=blog&utm_medium=blog&utm_campaign=pan_verification&utm_id=pan_verification) and get started right away.
[Identity Suite](https://blogrevamp.cashfree.com/tag/identity-suite/) [PAN](https://blogrevamp.cashfree.com/tag/pan/) [PAN Verification](https://blogrevamp.cashfree.com/tag/pan-verification/) [Validity](https://blogrevamp.cashfree.com/tag/validity/) [Verification](https://blogrevamp.cashfree.com/tag/verification/)
[Share on Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpan-verification%2F "Share on Facebook")[Share on Twitter](https://twitter.com/intent/tweet?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpan-verification%2F&text=%5BWhat%27s%20New%3F%5D%20PAN%20Verification%20is%20now%20available%20on%20Verification%20Suite%20by%20Cashfree%20Payments "Share on Twitter")[LinkedIn](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpan-verification%2F "LinkedIn")[Pinterest](https://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblogrevamp.cashfree.com%2Fpan-verification%2F&media=https%3A%2F%2Fblogrevamp.cashfree.com%2Fwp-content%2Fuploads%2F2021%2F10%2FPANverification_Thumbnail-2-1.png&description=%5BWhat%27s%20New%3F%5D%20PAN%20Verification%20is%20now%20available%20on%20Verification%20Suite%20by%20Cashfree%20Payments "Pinterest")
Author [kritinagori](https://blogrevamp.cashfree.com/author/kritinagori/ "Posts by kritinagori")
#### Related Posts
[](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/ "How Cashfree Helps Web Development Agencies Build a Recurring Income Model")
### [How Cashfree Helps Web Development Agencies Build a Recurring Income Model](https://blogrevamp.cashfree.com/affiliate-program-for-website-development-agencies/)
5 days ago
[](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/ "Cashfree Affiliate Partner Program: How is it the industry’s best partner program?")
### [Cashfree Affiliate Partner Program: How is it the industry’s best partner program?](https://blogrevamp.cashfree.com/affiliate-partner-program-industry-best-commission/)
1 month ago
[](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/ "Payment Fraud Red Flags & Prevention Tips for Business Security")
### [Payment Fraud Red Flags & Prevention Tips for Business Security](https://blogrevamp.cashfree.com/payment-fraud-prevention-tips-for-business-security/)
5 months ago
- [All](https://blogrevamp.cashfree.com/category/all/)
- [Payments](https://blogrevamp.cashfree.com/category/payments/)
- [What’s New](https://blogrevamp.cashfree.com/category/updates/)
- [Policy Radar](https://blogrevamp.cashfree.com/category/policy/)
- [Engineering](https://blogrevamp.cashfree.com/category/engineering/)
- [Life At Cashfree](https://blogrevamp.cashfree.com/category/lifecashfree/)
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## Wix Payment Gateway
## Wix Payment Gateway plugin
Best
## Wix Payment Gateway in India
Add Cashfree Payment Gateway to your Wix account and start accepting online payments. No-code payments for your no-code website.
180+ payment modes
Instant Settlements
Instant Refunds
Create Account
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Wix Plugin
Plug & Play
# Wix Payment Gateway
Integration
**Step 01:** ‘Log in’ to your Wix account and click on ‘Settings’. In the settings page, select ‘Accept Payments’.
**Step 02:** On the ‘Accept Payments’ screen, scroll down and click on ‘More Payment Options’. Select ‘Cashfree Payments’ and click on ‘Connect’.
**Step 03:** Enter your ‘App ID’ and ‘Secret Key’ of your Cashfree Account and start accepting payments. If you dont have a Cashfree account, then [signup](https://merchant.cashfree.com/merchants/signup?source-action=wix%20payment%20gateway&action=Sign%20Up&button-id=StartNow_Plug&PlayStep3) first.
HEAR FROM OUR MERCHANTS
8,00,000+ Indian businesses trust us with their payment needs
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=wix%20payment%20gateway&action=Sign%20Up&button-id=StartNow_HearFromOurMerchants)
I have been using Cashfree Payments on my Wix website for the past year and found it to be a seamless service and I have not faced any issue or payment failure. Hoping to have this partnership with Cashfree for the coming years.
Kudos to the team.
Mohammed Shadaab Tumbi
Founder, Reclinex World
We have been using Cashfree Payments on our Wix website for over a year now and our payment success rate has been 100%. The key to a growing business is availability of funds and we get our payments settled from Cashfree in under 24 hours. Our customers love the convenience of quick payments and super fast loading of payments pages guarantee confirmed orders.
Dhawal Sajiv Shah
Founder, MyBrewery
I have been using Cashfree Payments on my Wix website for the past year and found it to be a seamless service and I have not faced any issue or payment failure. Hoping to have this partnership with Cashfree for the coming years.
Kudos to the team.
Mohammed Shadaab Tumbi
Founder, Reclinex World
We have been using Cashfree Payments on our Wix website for over a year now and our payment success rate has been 100%. The key to a growing business is availability of funds and we get our payments settled from Cashfree in under 24 hours. Our customers love the convenience of quick payments and super fast loading of payments pages guarantee confirmed orders.
Dhawal Sajiv Shah
Founder, MyBrewery
I have been using Cashfree Payments on my Wix website for the past year and found it to be a seamless service and I have not faced any issue or payment failure. Hoping to have this partnership with Cashfree for the coming years.
Kudos to the team.
Mohammed Shadaab Tumbi
Founder, Reclinex World
- 1
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Powerful integrations
Quickest and easiest
## Wix payment gateway integration
### Connect your Wix account now
[\\
Wix](https://docs.cashfree.com/docs/wix)
### Mobile Integrations
[\\
Android SDK](https://docs.cashfree.com/docs/android-sdk) [\\
iOS SDK](https://docs.cashfree.com/docs/ios-sdk) [\\
React Native SDK](https://docs.cashfree.com/docs/react-native-version-2-1-sdk) [\\
Flutter SDK](https://docs.cashfree.com/docs/flutter-sdk) [\\
Cordova SDK](https://docs.cashfree.com/docs/cordova-sdk) [\\
Xamarin SDK](https://docs.cashfree.com/docs/xamarin-android-support-sdk)
Add the ready to use plugin to your Wix store and choose from a range of SDKs for seamless mobile checkout.
[View Developer Documentation](https://docs.cashfree.com/)
### No-code integration
Without writing a single line of code, collect payments overWhatsApp, SMS, Facebook, Twitter and other channels using Payment Links.
In case of cart abandonment or failed transactions, send Payment links instantly to collect payments.
[Explore Payment Links](https://www.cashfree.com/undefined/payment-links/)
Payments made easy for your Wix website
- Multiple payment modes
- ## COD order refund
- ## Payment Links
- ## On-demand Settlements
## Increase Prepaid orders by offering 180+ payment collection modes
Go live with180+ paymentmodes instantly. Let your customers pay via any UPI, card, EMI, BNPL, Paytm & other wallets, etc. Reach customers across the globe, show items in 27+ foreign currencies.
Here is more: Access customer payments within15 minutesof fund capture, even on bank holidays with Instant Settlements feature.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=wix%20payment%20gateway&action=Sign%20Up&button-id=StartNow_MultiplePaymentModes)
## Enable easy Cash on Delivery Refunds with Cashgram
The biggest problem with COD order refunds is the unavailability of payment details. Cashgram makes it easy for customers to receive refunds instantly on their preferred destination. Create Cashgram link, notify the customers on SMS, Whatsapp or Email.
The customers enters his/her bank account/UPI id/Paytm no/debit card or amazon wallet id and receive a refund amount to the preferred account.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=wix%20payment%20gateway&action=Sign%20Up&button-id=StartNow_CODOrderRefunds)
Multiple payment modes
## Increase Prepaid orders by offering 180+ payment collection modes
Go live with180+ paymentmodes instantly. Let your customers pay via any UPI, card, EMI, BNPL, Paytm & other wallets, etc. Reach customers across the globe, show items in 27+ foreign currencies.
Here is more: Access customer payments within15 minutesof fund capture, even on bank holidays with Instant Settlements feature.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=wix%20payment%20gateway&action=Sign%20Up&button-id=StartNow_MultiplePaymentModes)
## COD order refund
## Enable easy Cash on Delivery Refunds with Cashgram
The biggest problem with COD order refunds is the unavailability of payment details. Cashgram makes it easy for customers to receive refunds instantly on their preferred destination. Create Cashgram link, notify the customers on SMS, Whatsapp or Email.
The customers enters his/her bank account/UPI id/Paytm no/debit card or amazon wallet id and receive a refund amount to the preferred account.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=wix%20payment%20gateway&action=Sign%20Up&button-id=StartNow_CODOrderRefunds)
## Payment Links
## On-demand Settlements
LOWEST PRICING
Lowest
## Wix Payment Gateway Charges
in India
Pay standard Cashfree Payment Gateway Charges. No additional charges for payments received for your Wix store.
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=wix%20payment%20gateway&action=Sign%20Up&button-id=StartNow_LowestPricing)
UPI, Net Banking and Cards
Zero transaction charges
UPI
RuPay
1.90%2%
PhonePe
Google Pay
Amazon Pay
ICICI
Visa
Mastercard
Maestro
Net Banking
## Paylater & Cardless EMI
2.5%
Zest Money
Ola Money
ePayLater
Flexmoney
ICICI
Kotak
HDFC
## International Cards
3.5% + ₹7
Visa
Mastercard
## Paypal & Paytm
Zero Cashfree Charges
PayPal
Paytm
Note: Only standard PayPal and Paytm respective payment gateway charges will apply.
## Other Cards
2.95%
Diners Club
Amex
ENTERPRISES
Custom pricing designed for enterprises
- Early access to new features
- Dedicated account manager
- Discounted pricing
- Support over WhatsApp in addition to other channels
Get in touch with our sales team to explore the right product(s) for your payment needs and get custom pricing.
[Contact Sales](https://www.cashfree.com/contact-sales?source-action=wix%20payment%20gateway&action=Contact%20Sales&button-id=ContactSales_LowestPricing)
Frequently Asked Questions
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
### What is a Wix Payment Gateway?
Wix Payment Gateway is a payments platform that is compatible with Wix. It helps businesses process online payments.
Cashfree Payments allows businesses on Wix platform to accept online payments through 180+ modes including credit cards, debit cards, netbanking, wallets, UPI and BNPL with the Wix plugin.
### How to set up Cashfree Payments Wix Payment Gateway?
Integrate your Wix website with Cashfree Payments by following [these simple steps](https://docs.cashfree.com/docs/wix).
### What are the benefits of using Cashfree Wix Payment Gateway?
Cashfree Payments is a highly customizable payment gateway in India that helps businesses achieve higher success rates than industry standards. Besides this, Cashfree Payments is the only payment gateway that offers:
- 180+ payment modes including cards, wallets, netbanking, UPI, buy now pay later, cardless EMI and so on, with a single integration
- A truly instant settlement cycle for domestic payments with access to funds as soon as 15 minutes from the time of payment capture
- The fastest settlement cycle for international payments: T+2\* days
- Multi-channel customer payment collection - In-app, website and social media channels
- Mobile-first platform with faster UPI checkouts via direct app integrations
- Instant refunds even for COD orders
- PayPal Express Checkout to help you sell overseas and grow your revenue
- Split commission options to split and send money to your vendors, delivery partners etc. after each sale
### Which payment modes are supported by Cashfree Wix Payment Gateway?
Cashfree Payment Gateway supports the widest range of payment modes with a single integration. It supports Credit Card, Debit Card, Net Banking, Paytm and other wallets, UPI via BHIM UPI, Google Pay, PhonePe, etc.
It also provides multiple bank EMI and cardless EMI options such as Zest Money. With Cashfree Payment Gateway, you can also give your customers Buy Now Pay Later option by using Ola Money Postpaid, ePayLater etc.
Our customers say, Buy Now Pay Later option has increased their checkout success rate by 25-30% for high ticket value transactions. For details, visit our [pricing page](https://www.cashfree.com/undefined/payment-gateway-charges/).
### I want to accept international payments on my Wix website . Can I use Cashfree WIX Payment Gateway to accept payments in other currencies?
For international customers, Cashfree Payments enables payments for over 30+ international currencies. With Cashfree, you can show your products to the customers in their preferred currency. Accept international payments via popular cards including Visa, Mastercard, American Express, Diners Club and PayPal.
### What is the procedure for Cashfree Payment Gateway integration?
We do 100% paperless onboarding for merchants on Cashfree Payment Gateway. Following are the steps for integration:
- Sign up on Cashfree Payments
- Update your business profile and upload scanned copies of business documents
- You can try out our Payment Gateway yourself. Login and switch to Test Account. Check integration documentation
- Our Payment Expert will call you in 24 hours to understand your business requirement and help you pick the right set of features
- Once the account is verified, our Product team will help you with the integration
### What are the documents required for Cashfree Payment Gateway integration?
Once you sign up, to activate your Cashfree merchant account you need to share your business details along with scanned copies of some business documents. Please refer to [this document](https://www.cashfree.com/docs/help/onboarding-related/general-faqs#what-are-the-documents-needed-for-activating-my-cashfree-account) for all the requirements.
### Is there any list of banned items for which Cashfree payment gateway services will not be available?
As a payments company, we strive to cater to all businesses. However there are some services and goods, for which we do not provide our payment gateway services. Here is the list of banned items .
#### Have more questions?
[Visit our support page](https://www.cashfree.com/docs/help/overview)
Explore other products
### Payouts
Make payouts to any bank account / UPI ID / card/ AmazonPay / Paytm instantly even on a bank holiday.
[Learn More](https://www.cashfree.com/payouts/)
### Subscriptions
Accept recurring payments by auto-debiting customer’ accounts via standing instructions on cards or UPI emadate.
[Learn More](https://www.cashfree.com/recurring-payment/)
### Cashgram
Pay your vendors, partners, customers or others instantly when you only know their mobile number or email address.
[Learn More](https://www.cashfree.com/cashgram/)
### Instant settlements
Get access to your payment gateway collections within 15 minutes of payment capture, avoid dependency on credit lines.
[Learn More](https://www.cashfree.com/instant-settlements/)
\\* Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters and other factors.
## Ready to get started?
Collect customer payments, make payouts, manage international payments and so much more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
[Create Account](https://merchant.cashfree.com/merchants/signup?source-action=wix%20payment%20gateway&action=Sign%20Up&button-id=StartNow_Footer) Contact Sales
## Enhancing Online Payment Experiences
In the digital age, card declines pose a significant challenge for online transactions. While physical transactions see declines of just…
[Read More](https://www.cashfree.com/blog/reduce-card-decline-via-smart-routing/)
#### [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
[View All](https://www.cashfree.com/blog/category/lifecashfree/)
[](https://www.cashfree.com/blog/how-cashfree-payments-enhanced-employee-well-being-in-2024/)
In [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
## [How Cashfree Payments Enhanced Employee Well-being in 2024](https://www.cashfree.com/blog/how-cashfree-payments-enhanced-employee-well-being-in-2024/)
[3 months ago](https://www.cashfree.com/blog/how-cashfree-payments-enhanced-employee-well-being-in-2024/) 4 Mins Read
At Cashfree Payments, we know that our people are our greatest asset, and their well-being is our top priority. In…
[](https://www.cashfree.com/blog/2024-cashfree-payments-rewind/)
In [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
## [2024 Rewind: A Year of Engagement, Milestones, and Innovation](https://www.cashfree.com/blog/2024-cashfree-payments-rewind/)
[3 months ago](https://www.cashfree.com/blog/2024-cashfree-payments-rewind/) 6 Mins Read
2024 has been a milestone year for Cashfree Payments. We secured key licenses, launched multiple industry-first products that empowered our…
#### [Banking](https://www.cashfree.com/blog/category/verification-suite/)
[View All](https://www.cashfree.com/blog/category/verification-suite/)
#### [Payments](https://www.cashfree.com/blog/category/payments/)
[View All](https://www.cashfree.com/blog/category/payments/)
[](https://www.cashfree.com/blog/how-to-reduce-rto-in-ecommerce/)
In [Payments](https://www.cashfree.com/blog/category/payments/)
## [How to Reduce RTO in eCommerce: Strategies for Minimizing Return to Origin Shipments](https://www.cashfree.com/blog/how-to-reduce-rto-in-ecommerce/)
[7 months ago](https://www.cashfree.com/blog/how-to-reduce-rto-in-ecommerce/) 7 Mins Read
RTO in eCommerce poses a significant challenge for online retailers, impacting profitability and customer satisfaction. RTO, which stands for Return…
[](https://www.cashfree.com/blog/demystifying-payment-orchestration/)
### [Demystifying Payment Orchestration](https://www.cashfree.com/blog/demystifying-payment-orchestration/)
[7 months ago](https://www.cashfree.com/blog/demystifying-payment-orchestration/)
[](https://www.cashfree.com/blog/next-step-in-upi-evolution-upi-switch/)
### [The Next Step in UPI Evolution: Introducing Cashfree Payments’ UPI Switch](https://www.cashfree.com/blog/next-step-in-upi-evolution-upi-switch/)
[8 months ago](https://www.cashfree.com/blog/next-step-in-upi-evolution-upi-switch/)
[](https://www.cashfree.com/blog/online-bond-platform-providers-solution/)
### [Simplifying Payments for Bond Investments in India: Cashfree’s OBPP Solution](https://www.cashfree.com/blog/online-bond-platform-providers-solution/)
[10 months ago](https://www.cashfree.com/blog/online-bond-platform-providers-solution/)
[](https://www.cashfree.com/blog/credit-line-on-upi-is-now-live-on-cashfree-payments/)
### [Credit line on UPI is now live on Cashfree Payments](https://www.cashfree.com/blog/credit-line-on-upi-is-now-live-on-cashfree-payments/)
[March 1, 2024](https://www.cashfree.com/blog/credit-line-on-upi-is-now-live-on-cashfree-payments/)
- [All](https://www.cashfree.com/blog/category/all/)
- [Payments](https://www.cashfree.com/blog/category/payments/)
- [What’s New](https://www.cashfree.com/blog/category/updates/)
- [Policy Radar](https://www.cashfree.com/blog/category/policy/)
- [Engineering](https://www.cashfree.com/blog/category/engineering/)
- [Life At Cashfree](https://www.cashfree.com/blog/category/lifecashfree/)
Submit
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Although e-Mandate and eNACH are often used interchangeably, they are actually two distinct processes that use payment automation and digital frameworks to make [**recurring payments**](https://www.cashfree.com/recurring-payment/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog/) easier. While e-NACH is governed by NPCI, e-Mandates are controlled by individual banks.
Let’s begin by understanding e-Mandate and how it can benefit your business.
## What is e-Mandate Meaning?
e-Mandate is a convenient and secure way for businesses to collect recurring payments from their customers. While it allows businesses to collect recurring payments on time and eliminate the need for manual processing, it also saves customers the hassle of remembering to make payments thereby avoiding any late payment fees.
In simple terms, an e-mandate is an electronic version of a mandate, which is a standing instruction given to the bank where a customer holds their account to debit a fixed amount to another bank account automatically. Through e-Mandate customers can register, edit, and delete mandates entirely online.
**NPCI** [1](https://www.npci.org.in/nach-e-mandates-new) introduced e-Mandate services to reduce processing time and make recurring payments more streamlined and efficient.
Therefore, with the e-Mandate/ [**NACH mandate**](https://www.cashfree.com/resources/nach-mandate?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog), one can easily authorise recurring payments by using their Netbanking or Debit card credentials.
### Meaning of Recurring Payments
To understand the e-mandate’s meaning, it is necessary to understand recurring payments.
[**Recurring payments or subscriptions**](https://www.cashfree.com/recurring-payment/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog/) are automatic payments wherein a customer authorises a service provider to debit a fixed or variable amount from their bank account at regular intervals.
Today recurring payments find use in various business models, for example:
- **Digital Lending Industry:** [**NBFCs**](https://www.cashfree.com/nbfc-digital-lending-solutions/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog/) and digital lenders can automate loan recollection by creating an e-mandate for an amount of up to 50 lakhs. This reduces loan defaults and ensures that the borrowers are paying the EMIs on time.
- **Investments and Wealth Management:** Investment platforms can provide a seamless customer experience for investors by automating their SIP payments and ensuring uninterrupted investments for the customers.
- **Insurance providers:** Insurance premiums are usually collected on a recurring basis on a monthly, quarterly, half-yearly or yearly basis. Automate the payments by creating e-mandates with Cashfree Subscriptions.
- **Software as a Service (SaaS):** SaaS businesses are heavily dependent on [**charging a recurring payment**](https://www.cashfree.com/blog/automating-recurring-payments-with-third-party-validation-why-is-it-a-necessity-for-bfsi-sector/) every month which can scale up with ease.
- **Utility:** Telephone bills, electricity bills, cable bills, gym membership etc. come under utilities, and are recurring in nature.
- **Rentals:** Housing rentals, office rentals, co-working and co-living spaces, and other renting facilities usually work on a recurring payment model.
## e-Mandate Registration: How Does e-Mandate Work?
The e-mandate registration process is when customers sign up to make recurring payments via e-Mandate or eNACH. Whether the customers purchase an insurance policy or invest in a SIP, they can choose to pay premiums or instalments through e-Mandate at the very beginning.
In simple terms, it’s a process that allows businesses to enrol customers for a service/product wherein the customer pays a timely fee.
For instance, you do Systematic Investment Planning through e-Mandate which is an entirely digital process. In addition, confirmation of the mandate does not take more than a couple of days.
1. Log into the fund house’s website and then fill in the e-Mandate form details (destination bank, account number, debit intervals, etc.)
2. The fund house checks if the destination bank (customer’s bank), is registered by the NPCI for mandate creation
3. The customer is redirected to the NPCI’s page and then to the destination bank’s authentication website
4. The customer authenticates the mandate by using Netbanking credentials
5. The bank then verifies the account number entered on the fund house’s website with the Netbanking credentials
6. The bank displays the mandate filled by the customer and provides an option between accepting and rejecting
7. Once accepted, you’re redirected to the NPCI’s website and then back to the fund house’s website. Here the status of mandate approval will be shown
8. The mandate is confirmed at the end of the day
Thus, that’s the whole flow, without the need for any physical process.
## The Shift from ECS to e-Mandate/eNACH
Before **e-Mandate**, businesses relied on the **Electronic Clearing Service (ECS)**, which required customers to submit physical forms to authorize recurring payments. ECS had limitations, such as longer processing times (25-30 days), manual verification, and the need for reauthorization for each new transaction.
In contrast, e-Mandate offers:
- **Faster activation**: Processes are completed within a day.
- **Automatic transaction failure prevention**: Transactions are only processed if sufficient funds are available, preventing overdrafts and fees.
- **One-time authorization**: No need to submit fresh mandates for each transaction.
- **Easy digital authentication**: Using Netbanking or Debit Card credentials.
## e-Mandate vs eNACH: What’s the Difference?
- **e-Mandate**: Governed by individual banks, it allows customers to authorize payments directly through their banks’ Netbanking or Debit Card systems.
- **eNACH**: Controlled by **NPCI**, it’s primarily used for large-scale bulk transactions, often between businesses and multiple customers.
While both systems automate recurring payments, **eNACH** is more widely used for large corporations handling bulk transactions, whereas **e-Mandate** is ideal for businesses seeking a more direct relationship with their customers’ banks.
**Related Post: [How To Choose a Payment Gateway in India](https://www.cashfree.com/blog/how-to-choose-payment-gateway/)**
## Benefits of e-Mandate/eNACH for Merchants and Customers
#### **For Merchants:**
1. **Customer Retention**: With just one-time authentication, you can automatically collect payments at regular intervals without the customer needing to reauthorize.
2. **Reduced Administrative Costs**: Automating payments reduces invoicing and follow-up costs related to chasing late payments.
3. **Increased Security**: PCI compliance ensures that customer data is secure, building trust and reducing risk.
4. **Simplified Accounting**: Since the entire process is digital, it’s easier to track payments and reconcile accounts.
#### **For Customers:**
**Simplicity**: The digital process only requires Netbanking or Debit Card details, simplifying authentication and setup.
**Undisturbed Services**: Customers enjoy uninterrupted services without the need to manually process payments.
**Flexibility**: Customers can choose from various subscription plans and payment intervals based on their needs.
**[RELATED READ: What is Subscription Management? Definition, Types & Features](https://www.cashfree.com/blog/subscription-management-guide/)**
## Cashfree Subscriptions
[**Cashfree Subscriptions**](https://www.cashfree.com/recurring-payment/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog) powers you to enable recurring payment schedules, control the billing cycle and get instant alerts on subscription activity.
All you have to do is link subscription plans that suit your business model and customers, and then, let Cashfree take care of the rest.
## How To Enable E-Mandate with Cashfree Payments API Or Dashboard
1. The registration process which used to happen physically is moving over to an API-based e-Mandate. This will also work across multiple banks
2. Debiting of accounts registered prior to the release of e-Mandate still happens over file transfers. And, the process hasn’t changed
Cashfree brings you an [**easy set of APIs**](https://docs.cashfree.com/reference/postman-collection-1) that take care of both of the above points.
[**We will help businesses accept subscriptions/mandates from their customers**](https://docs.cashfree.com/reference/create-subscription), and therefore, help them get their money on time.
Businesses don’t have to worry about the above points separately. We provide an integrated subscription service right from customer authorisation to final payment. And, all of this happens over easy-to-use APIs.
In fact, businesses can also use our solution without writing any code, by using just the dashboard.
[](https://www.cashfree.com/recurring-payment/?utm_source=blog&utm_medium=organic&utm_campaign=emandate_blog)
## Subscriptions Payment Modes
List of payment modes supported for recurring payments-
1. **Standing Instructions (SI) on Credit and Debit Cards:** Enable repeat purchases and subscriptions by setting up recurring payments on customers’ credit/debit cards.
2. [**eNach or e Mandate**](https://www.cashfree.com/enach/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog/) **:** With same-day mandate creation for up to 50 lakhs, create a smooth payment experience for your customers who make periodic payments for your product/service.
3. **Physical Nach or Physical Mandate:** For customers with no digital access, set up recurring payments with just their bank account details and physical signature
4. [**UPI**](https://www.cashfree.com/blog/what-is-upi-autopay/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog) [**Autopay**](https://www.cashfree.com/upi-autopay/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog) **:** Ideal for payments up to 15000, it takes as little as 11 seconds to complete your customer onboarding for [**recurring payments using UPI AutoPay**](https://www.cashfree.com/blog/upi-autopay-unlocking-recurring-payments/). Currently, Cashfree supports 20+ UPI apps for UPI AutoPay.
## Cashfree Subscriptions Features
We have powerful features that your business can leverage-
- No need for coding- Create subscription plans from the dashboard and add users via link. One can share these links over WhatsApp, SMS and emails
- Offer trial periods to customers
- Offer the kind of recurring payment that suits your business. On-time fee, fixed or consumption-based subscription models
- Webhook support to notify you of any new subscriptions, payments, or cancellations
- Advanced analytics that helps you extract data
- Multi-user support on Cashfree Payments dashboard
## Frequently Asked Questions
### What are the Types of Subscription Models that Merchants Can Offer through e-Mandate?
Merchants can choose to offer any of these 3 e Mandate models:
1. **Fixed Model:** Here, the customer has to pay a pre-decided fee for the subscription service after a specified period. For instance, a Netflix subscription can cost INR 300 per month.
2. **Pay per Consumption Model:** Here, the customer pays on the basis of their consumptions or units. For instance, a customer’s electricity bill will depend on the number of units consumed.
3. **Hybrid Model:** In this model, the customer may need to pay a fixed price and then a further fee on the basis of consumption. For instance, a private fitness trainer may charge INR 1000 for 30 sessions. Further, they may charge INR 400 per session.
Cashfree Payments enables you to enable [**recurring payments**](https://www.cashfree.com/recurring-payment/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog) for any model that suits your business needs.
### What is the e-Mandate’s meaning in Mutual Funds?
E-Mandate meaning in mutual funds is just a payment method. It allows mutual fund houses and asset management companies to enable recurring payments.
### What are e-Mandate Charges?
The eNACH/e-mandate charges are dependent on 2 variables-
1. The Price for Mandate Creation
2. The Price Per Debit
As of now, the price for mandate creation is Rs. 5 with Cashfree Payments. Furthermore, the price per debit is Rs. 5 as well.
Click to learn more about our [**payment gateway charges**](https://www.cashfree.com/payment-gateway-charges//?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog#subscriptions).
[](https://www.cashfree.com/payment-gateway-charges//?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog#subscriptions)
### How to Cancel an e-Mandate?
As a merchant, you can easily head to the [**Cashfree Payments**](https://www.cashfree.com/contact-sales/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog) dashboard and cancel a customer’s subscription.
You can also choose to edit that subscription and upgrade or downgrade the plan you have opted for.
If the customer chooses to cancel or edit a subscription status, you will get real-time notifications through webhooks.
### **What is a Physical Mandate/Physical Nach? How does it work?**
A Physical mandate is a manually completed mandate form that requires only the customer’s physical signature and bank account details for authorisation. Simply put, the customer authorises the bank or NBFC to debit the required amount from the account periodically. Supported by 1000+ banks, physical mandates are a popular alternative to e-mandates for organisations with more technologically challenged customers.
Cashfree lets you create Physical Mandates with 3 simple steps:
1. Create a subscription for your customer with all the subscription and mandate details
2. Upload the Physical Nach registration forms with the customer’s bank account details, and signature and create an authorisation request for your customer
3. Once the customer authorises it, submit the forms to the banks and on validation, set up the recurring payments
### **Where are Physical Mandates used?**
Physical Nach or Physical Mandates are used in the following scenarios:
- The recurring bill amount exceeds 50 lakh rupees
- The customers do not have access to net banking or digital banking services
[](https://www.cashfree.com/contact-sales/?utm_source=blog&utm_medium=organic&utm_campaign=e_mandate_blog)
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- [Fintech Companies in India](https://www.cashfree.com/blog/fintech-companies-in-india/)
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[e-Mandate](https://blogrevamp.cashfree.com/tag/e-mandate/) [emandates](https://blogrevamp.cashfree.com/tag/emandates/) [eNach](https://blogrevamp.cashfree.com/tag/enach/) [enachpayments](https://blogrevamp.cashfree.com/tag/enachpayments/) [recurring payments](https://blogrevamp.cashfree.com/tag/recurring-payments/) [Subscriptions](https://blogrevamp.cashfree.com/tag/subscriptions/) [UPI emandate](https://blogrevamp.cashfree.com/tag/upi-emandate/)
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In [Products](https://vpurshan.wpcomstaging.com/category/products/)
## [What is KYC? (Meaning, Types of Individual & Business KYC)](https://vpurshan.wpcomstaging.com/what-is-kyc/)
[December 15, 2022](https://vpurshan.wpcomstaging.com/what-is-kyc/) 4 Mins Read
KYC or Know Your Customer/Client is a process of verifying a customer’s identity. This identity verification helps assess the risks…
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In [Guides](https://vpurshan.wpcomstaging.com/category/guides/)
## [IMPS – Immediate Payment Service – What is IMPS, and its Benefits?](https://vpurshan.wpcomstaging.com/what-is-imps/)
[November 29, 2022](https://vpurshan.wpcomstaging.com/what-is-imps/) 5 Mins Read
Transferring funds in real-time and around the clock was a huge challenge in banking. During banking hours, only NEFT and…
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