Cashfree Ecommerce Payment Gateway

Overview

Cashfree Payments provides a comprehensive ecommerce payment system designed for growing D2C businesses. The platform offers the most optimized checkout experience on websites and apps, helping businesses reduce cart abandonment, access working capital, process refunds faster, and sell globally.

Key Features

• 180+ payment modes: Support for the widest range of domestic and international payment options
• Mobile first platform: Optimized for mobile commerce
• 15 minute settlements: Fast access to funds with instant settlement options

About Cashfree Payments

Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. The company is backed by SBI, Y Combinator, Krafton, and Apis Partners, and was incubated by PayPal.

Regulatory Authorizations:

• RBI Authorised Payment Aggregator License - Certificate of Authorisation No. 266/2025
• RBI Authorised Prepaid Payment Instrument (PPI) Provider - Certificate of Authorisation No. 209/2024

360-Degree Ecommerce Payments Suite

Cashfree offers a complete suite of payment solutions organized into three main categories:

Collect Online Payments

Payment Gateway

Collect ecommerce payments easily on your website or app with support for 180+ domestic and 100+ international payment modes.

Supported Payment Methods:

• Credit and Debit Cards (Visa, Mastercard, Rupay, AMEX, Diners)
• Net Banking from 65+ banks
• UPI via BHIM UPI, Google Pay, PhonePe
• Digital Wallets (Paytm and others)
• EMI options (bank EMI and cardless EMI)
• Buy Now Pay Later options (Ola Money Postpaid, ePayLater, Zest Money, etc.)

Payment Links

Collect payments by sharing payment links without requiring a website or app. Payment links can be added to social media posts on Facebook, Twitter, and Instagram for seamless payment collection.

Use Cases:

• Target customers with abandoned carts for quick payment collection
• Share payment links on social media product posts
• Collect payments without integration effort

Payment Forms

Create custom payment pages and collect payments instantly without coding.

Auto Collect

Reconcile IMPS/NEFT/UPI payments automatically through virtual payment addresses.

Easy Split

Manage marketplace payments by collecting payments from customers via any digital method, deducting commissions, and splitting payments to vendors, partners, and your own bank accounts.

softPOS

Turn any Android mobile device into a POS machine for accepting payments.

Subscriptions

Collect recurring payments from customers for subscription-based business models.

Process Refunds

Instant Refunds

Process refunds for online payments and COD (Cash on Delivery) orders instantly. Integrate via simple API and trigger refunds to the original payment source immediately.

Case Study: Nykaa Nykaa uses Cashfree to send speedy refunds to customers. Once a customer requests a refund, the operations team reviews it and money is transferred instantly to the customer's account.

Cashgram

Send payout links when only a mobile number or email ID is known. Useful for:

• Refunding deposits
• Sending prize money
• Reimbursing expenses
• Sending money to users
• COD order refunds when payment details are unavailable

Manage Payouts

Payouts

Add multiple sources of funds and make disbursals 24x7, even on bank holidays. Send money instantly to:

• Any bank account
• UPI ID
• Paytm wallet

Key Features:

• Works 24x7, including bank holidays
• Bulk payouts: Process up to 10,000 payouts in one go with simple Excel file upload
• Real-time transfer status tracking
• Flexible fund source selection and transfer mode options
• Maker & Checker option for enhanced control
• Vendor verification during onboarding or before making payouts to avoid reversals and failed transfers
• Industry-leading success rate of 99.98% using smart routing via multiple gateways

Payment Gateway Features for Ecommerce Stores

Widest Checkout Options

Offer customers the freedom to pay via any payment mode of their choice with 180+ domestic and 100+ international payment modes including cards, netbanking, UPI, wallets, EMI, and Pay Later options.

Ready-to-Use Integrations

Go live in 5 minutes with ready-to-use plug-ins for popular ecommerce platforms:

• Shopify
• WooCommerce
• Wix
• WordPress
• Zoho
• PayPal integration

Partnership Benefit: Increase paid orders by up to 35% by integrating Cashfree Payments with Logisy.

Buy Now Pay Later (BNPL) Suite

India's widest range of Buy Now Pay Later options with 30+ flexible payment options:

• Card-based EMI
• Cardless EMI
• Pay Later partners

Impact:

• Increase customer conversions by 30%
• Boost average order value by 40%
• Merchants report 25-30% increase in checkout success rate for high-ticket value transactions

Reduce Cart Abandonment

Use Payment Links to target customers with abandoned carts, enabling quick payment collection and improving conversion rates.

Faster Settlements

Get funds settled instantly any day, any time, even during bank holidays with 15-minute settlements. Benefits include:

• Reduced dependency on external credit
• Steady cashflow for marketing campaigns
• Working capital availability

Innovative Solutions to Accelerate Online Sales

BNPL Suite

Offer supreme flexibility and convenience for shoppers with India's widest Buy Now Pay Later Suite. Provide over 30+ BNPL options including card-based and cardless EMIs and Pay Later partners from leading banks and financial institutions.

Results:

• 40% boost to average order value
• 30+ leading banks and partners supported

Offer Engine

Become the most preferred shopping site by turning every visitor into a customer with lucrative discounts and cashbacks. The no-code Offer Engine allows you to:

• Configure special offers on checkout without coding
• Create and manage offers across all online payment modes
• Manage offers directly from the Cashfree Payment Gateway dashboard

Impact:

• Increase conversions by 30%

BNPL Plus

Plug-in Cashfree's no-code BNPL Plus on your Shopify store to display offers, EMIs, and Pay Later options upfront on product pages.

Benefits:

• Reduce customer drop-offs by up to 30%
• Increase average order value by 40%
• Win customer loyalty

Availability: Currently available as a plug-in for Shopify stores.

International Payment Capabilities

Cashfree Payments supports 100+ payment modes for both domestic and international transactions.

International Payment Features

Currency Support:

• 30+ international currencies
• Display products in customers' preferred currency

International Payment Methods:

• Visa
• Mastercard
• Amex
• Diners Club
• PayPal

PayPal Express Checkout: Direct integration with PayPal allows businesses to accept payments from over 350 million PayPal users across 200 markets worldwide from day one.

Full-Stack Connected Payments and Disbursal Solution

Cashfree provides an integrated solution for managing the complete payment lifecycle:

1. Verify vendors during onboarding: Verify vendors before making payouts to avoid reversals and failed transfers
2. Vendor payouts: Process bulk payouts efficiently
3. Customer refunds: Handle refunds instantly
4. One account, seamless payments: Manage all payment operations from a single account

Onboarding Process

Cashfree offers 100% paperless onboarding for merchants:

Steps to Get Started

1. Create Account: Sign up on Cashfree Payments platform
2. Update Business Profile: Upload scanned copies of business documents
3. Choose Product: Select the product you're interested in
4. Test Environment: Switch to Test Environment to try product features and integrations using test API credentials
5. Expert Consultation: A payment expert will call within 24 working hours to discuss business requirements and help select the right features
6. Production Environment: Switch to Production Environment when ready to go live
7. Account Activation: Receive account activation confirmation email after verification

Pricing

Cashfree Payments offers both standard and tailored pricing models. Businesses can connect with the Cashfree team to discuss specific requirements and get customized pricing based on:

• Nature of business
• Volume of transactions

Frequently Asked Questions

How do I start using Cashfree Payment Gateway for my Ecommerce business?

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 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

Are the payment gateway charges fixed? Can I get tailored pricing for my Ecommerce business?

Although we have a standard pricing model, 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.

Can I split incoming customer payments with multiple stakeholders?

Yes, with our solution Easy Split, you can collect payments from customers via any digital method, deduct commissions, and split payments to vendors, partners & your own bank accounts.

What are the payment modes supported by Cashfree Payments?

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 pay later options

We also provide multiple bank EMI and cardless EMI options such as Zest Money. With Payment Gateway, you can also give your customers a buy now pay later option by using Ola Money Postpaid, ePayLater, etc. Our merchants say that the buy now pay later option has increased the checkout success rate by 25-30% for high-ticket value transactions.

Can I accept international payments with Cashfree Payments Gateway?

Cashfree Payments domestic and international online payment gateway is built for growing businesses. We support 100+ payment modes both domestic and international to help you go global.

For domestic payments: We support 65+ net banking options, Credit Card, Debit Card, NEFT, IMPS, Paytm and other wallets, UPI via BHIM UPI, Google Pay, PhonePe etc. We also provide multiple bank EMI and cardless EMI options such as Zest Money, along with buy now pay later option (Ola Money Postpaid, ePayLater etc.)

For international customers: With support for over 30+ international currencies, show your products to your customers in their preferred currency. Accept international payments via popular cards including Visa, Mastercard, Amex, Diners Club, and PayPal.

PayPal Express Checkout: Cashfree Payments offers direct integration with PayPal. Now connect your PayPal business account with Cashfree Payments and accept payments from over 350 mn PayPal users across 200 markets worldwide using PayPal Express Checkout from day one.

Does Cashfree Payments Gateway have the functionality to configure offers on the checkout page?

Yes, with Cashfree's Offer Engine, you can create, configure and manage offers across all online payment modes directly from the Cashfree Payment Gateway dashboard.

Product Portfolio

Payment Collection Products

• Payment Gateway: Collect payments on website/app
• flowWise: Advanced payment flow optimization
• RiskShield Payment Gateway: Fraud prevention for payment collection
• Payment Links: Share simple payment links
• Buy Now Pay Later: 30+ BNPL options
• Payment Forms: Custom payment pages
• Easy Split: Marketplace payment management
• BBPS-Biller: Bill payment services
• softPOS: Mobile POS solution
• UPI QR Code: QR-based payments
• One Click Checkout: Streamlined checkout experience

Recurring Payment Products

• Subscriptions: Recurring payment collection
• UPI AutoPay: Automated UPI payments
• eNACH: Electronic NACH mandates

Payout Products

• Payouts: Instant money transfers
• Cashgram: Payout links
• Fund Sources: Connected banking for multiple fund sources
• RiskShield Payouts: Fraud prevention for disbursals

Escrow Services

• One Escrow: Escrow as a service

International Payment Products

• Accept International Payments: Global payment acceptance
• International Payment Gateway: Cross-border payment processing
• Global Collections: International wire transfers
• Global Payouts: Send money internationally
• Send International Payments: Outward remittance

Identity Verification Products

• Secure ID: Automated KYC and fraud monitoring platform
• Bank Account Verification: Verify bank account details
• IFSC Verification: Verify IFSC codes
• Reverse Penny Drop Verification: Account verification
• Aadhaar Verification: Verify Aadhaar details
• Aadhaar eSign: Digital signature via Aadhaar
• Passport Verification API: Verify passport information
• Driving License Verification API: Verify driving license details
• DigiLocker API: Access DigiLocker documents
• GST Verification: Verify GST numbers
• KYC Link: Shareable KYC collection links
• Face Match API: Facial recognition verification
• Geolocation API: Location verification

Additional Products

• Instant Settlements: 15-minute fund settlements
• Money Transfer: Direct money transfer services

Platform Integrations

Cashfree Payments offers ready-to-use integrations with popular ecommerce and business platforms:

• Shopify
• Wix
• WooCommerce
• PayPal
• WordPress
• Zoho

Partnership Opportunities

• Affiliate Program: Refer Cashfree Payments and earn commissions
• Embedded Payments: Offer native payments experience using Cashfree APIs
• Integrations & Offers: Partner integration opportunities

Developer Resources

• Comprehensive API documentation
• Test environment with test API credentials
• Production environment for live transactions
• Dev Studio for API development
• Discord community for query resolution

Support and Resources

Customer Support

• Dedicated account manager
• 24-hour response time for new account queries
• Support portal for issue resolution
• Customer query resolution guide
• Bank downtime detector
• Discord community support

Educational Resources

• Blog with payment industry insights
• Customer success stories and case studies
• Events and webinars
• Implementation guides

Free Tools

• GST Verification Tool
• GST Calculator Tool
• CAGR Calculator
• ROI Calculator

Industry Guides

• Recurring payment methods guide
• API Banking guide
• NACH mandate guide
• Payment Gateway Settlements guide

Company Information

Legal Name: Cashfree Payments India Private Limited

Backed By:

• SBI (State Bank of India)
• Y Combinator
• Krafton
• Apis Partners

Incubated By: PayPal

Scale: Enables 1 Million+ growing businesses in India and globally

Regulatory Compliance:

• RBI Authorised Payment Aggregator (License No. 266/2025)
• RBI Authorised Prepaid Payment Instrument Provider (License No. 209/2024)