Accept payments through a single integration.
PayandPay’s payment gateway enables businesses to accept payments securely across multiple payment methods. Our platform is optimized for high success rates, low friction checkouts, and real-time transaction visibility.
- UPIPay from any UPI app
- Credit & debit cards
- Net banking
- Wallets
- EMI options
Example checkout
Payment Gateway
Accept payments through a single integration.
PayandPay’s payment gateway enables businesses to accept payments securely across multiple payment methods. Our platform is optimized for high success rates, low friction checkouts, and real-time transaction visibility.
- UPIPay from any UPI app
- Credit & debit cards
- Net banking
- Wallets
- EMI options
Example checkout
Built for e-commerce, SaaS, healthcare, education, logistics, and marketplaces.
- 01UPI Collections
- 02Credit & Debit Cards
- 03Net Banking
- 04Wallets
- 05EMI Options
- 06Refund Management
- 07Real-Time Reporting
Features
Built for e-commerce, SaaS, healthcare, education, logistics, and marketplaces.
- UPI Collections
- Credit & Debit Cards
- Net Banking
- Wallets
- EMI Options
- Refund Management
- Real-Time Reporting
Everything you need to get paid online.
One gateway for every way your customers like to pay, with the tools your finance and tech teams need already built in.
One dashboard for every payment
Track payments, refunds and settlements in one place, with search and filters that make sense to your finance team.
Fast, low-friction checkout
A clean checkout that loads quickly on any device and keeps the steps to pay as few as possible.
Optimized for high success rates
Built to keep approvals high, so fewer customers drop off at the very last step of their purchase.
Secure by design
Encryption, access controls and continuous monitoring protect every transaction from checkout to settlement.
Reconciliation made simple
Every payment carries your own order reference, so matching payments to orders is straightforward.
Reports you can use
Download transaction and settlement reports whenever you need them, in formats your accounts team can work with.
From checkout to your bank account.
Every payment follows the same secure path. PayandPay handles the hard parts, so you can focus on selling.
- 01
Customer pays
Your customer picks UPI, a card, net banking, a wallet or EMI at checkout.
- 02
Secured and routed
Payment details are encrypted and sent to the right bank or card network.
- 03
Approved in seconds
The bank checks the payment and approves or declines it, usually within seconds.
- 04
You’re notified
Your customer sees the result instantly, and your dashboard and webhooks update in real time.
- 05
Settled to your bank
Successful payments are settled to your registered bank account on your settlement cycle.
See every rupee, in real time.
Your dashboard shows each payment as it happens: who paid, how they paid, and where the money is now.
- Live status for every payment
- Issue refunds in a few clicks
- Settlement reports you can match to your bank credits
- Team access with roles and permissions
- Export reports for your accounting
- Order #88214₹1,250Paid
- Order #88213₹2,349Paid
- Order #88209₹860Refunded
- Settlement₹98,420Settled
Security at the core of every payment.
We use encryption, access controls, monitoring systems, fraud prevention and compliance-focused operational practices, so your business can operate with confidence.
Security & complianceData protection
Sensitive payment data is handled with strict controls at every stage.
Encryption standards
Payment details are encrypted in transit, from your checkout to the bank.
Access management
Give each team member only the access they need, with roles and permissions.
Monitoring and alerting
Systems are watched around the clock, so unusual activity is spotted early.
Risk detection
Checks help flag suspicious transactions before they become a problem.
Audit trails
Key actions are logged, giving you a clear record of who did what and when.
Compliance: [List only the certifications PayandPay actually holds, e.g. PCI DSS, before launch.]
Built for how your business sells.
From online stores to schools and clinics, the same gateway adapts to the way you collect money.
Explore industriesE-commerce and D2C
Fast checkout on web and mobile, with refunds and order matching handled from one dashboard.
Education
Collect admission, tuition and exam fees online, with every payment linked to the right student.
Healthcare
Accept consultation, diagnostic and pharmacy payments securely, online or at the counter.
SaaS and subscriptions
Recurring billing with automated reminders and clear records for every renewal.
Learn moreMarketplaces
Collect from buyers with the gateway, then pay sellers and partners with Payouts.
Learn moreTravel and bookings
Take bookings and ticket payments around the clock, with instant confirmation.
Learn moreIntegrate your way.
Go live with a few lines of code, a ready plugin or a hosted checkout, whichever fits the stack you already run.
- Well-documented REST APIs
- Drop-in SDKs for web, Android and iOS checkouts
- Webhooks for every payment and refund, in real time
- Personal integration help from our technical team
Payment Gateway FAQs
Can’t find what you need? Our sales, support and partnership teams are here to help.
Visit the knowledge baseWhat is a payment gateway?
A payment gateway is the service that securely carries your customer’s payment details from your checkout to their bank, and brings back the result. With PayandPay you can accept UPI, cards, net banking, wallets and EMI through a single integration.
Which payment methods can my customers use?
UPI, credit and debit cards, net banking, wallets and EMI options, with additional methods available based on your business requirements.
How quickly can I start accepting payments?
Most businesses can begin onboarding within a short period after completing the required documentation.
When will I receive my money?
Successful payments are settled to your registered bank account on your settlement cycle: [T+X working days — confirm before launch].
Can I refund a customer?
Yes. You can issue refunds from your dashboard or through the API, and track each refund until it reaches your customer.
Do I need a website to use PayandPay?
No. Without a website or app, you can use Payment Links to collect payments over WhatsApp, SMS, email or social media.
How much does it cost?
See our pricing page for current plans, or talk to our sales team about custom pricing for larger volumes.
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