Introduction to PayandPay

PayandPay is a payment platform for Indian businesses. Collect payments online and in person, send money out, and reconcile everything from one dashboard. Start here for a map of the products and the quickest way to go live.

What you can do with PayandPay

Go live in four steps

1. 1
   Sign up

   Create your account with your business email and mobile number.

2. 2
   Complete onboarding

   Add your business and bank details and upload your documents. See Documents required.

3. 3
   Choose your products

   Switch on the products you need from your dashboard. You can add more at any time.

4. 4
   Test, then go live

   Try everything in test mode first, then start taking real payments once your account is activated.

Words you’ll see often

• Merchant — the business that accepts payments through PayandPay: you.
• Settlement — the transfer of the money you collect, minus fees, to your bank account.
• Test mode — a safe copy of your account where no real money moves.
• Webhook — an automatic message PayandPay sends to your system when something happens, such as a successful payment.
• Chargeback — a payment reversed by the customer’s bank after a complaint. See Disputes & chargebacks.

Onboarding process

Onboarding verifies your business so you can accept live payments. It all happens online, in your dashboard. Most of the time goes into gathering documents, so have them ready before you start.

The onboarding steps

1. 1
   Register

   Sign up with your name, business email and mobile number, and verify them with a one-time password (OTP).

2. 2
   Add business details

   Tell us your business type, registered name, PAN, GSTIN if you have one, and your business address.

3. 3
   Add your bank account

   Add the current account where your settlements should arrive. It must be in your business’s name.

4. 4
   Describe how you sell

   Share the website, app or social page where you’ll collect payments, and what you sell. Your website should show your prices, contact details and your terms, refund and privacy policies.

5. 5
   Upload documents

   Upload the documents for your business type. See Documents required.

6. 6
   Sign the agreement

   Review the merchant agreement and sign it online.

7. 7
   Verification and activation

   Our team reviews your application. Once it’s approved, live mode is switched on and you can take real payments.

How long it takes

Verification usually takes [X working days — confirm before launch] once every document is in. Missing or unclear documents are the most common cause of delay.

Tips for a quick approval

• Use the same business name on your PAN, GST certificate and bank account.
• Publish your contact details, prices and policies on your website before you apply.
• Upload clear, complete colour scans, not cropped photos.
• Keep your phone nearby: our team may call to confirm a detail.

Frequently asked questions

Documents required

The documents we need depend on how your business is registered. Keep clear scans ready before you start onboarding, and make sure the business name matches across all of them.

Documents every business needs

• PAN card of the business, or of the owner for a sole proprietorship
• Proof of your bank account: a cancelled cheque or a recent bank statement in the business’s name
• Identity and address proof of the owner, partners or directors, such as Aadhaar, passport, voter ID or driving licence
• GST certificate, if your business is registered for GST

Extra documents by business type

Frequently asked questions

Merchant dashboard

The dashboard is where you run PayandPay day to day: follow payments, create links and invoices, issue refunds, check settlements and download reports.

What’s in the dashboard

Live mode and test mode

A switch in the dashboard moves you between live mode, where real money moves, and test mode, where you can try everything safely. The two modes keep their data separate, so test payments never mix with real ones.

Find a payment quickly

1. 1
   Search

   Search by payment ID, order ID, customer email or phone number.

2. 2
   Filter

   Narrow the list by date, status or payment method.

3. 3
   Open the payment

   See its full timeline, from the first attempt to settlement, and refund it if you need to.

Payment Gateway

The PayandPay Payment Gateway lets your website or app accept online payments through UPI, cards, net banking, wallets and EMI with a single integration. This guide explains how a payment moves, which methods are supported, and how to go live.

How a payment works

Every online payment passes through the same few steps. PayandPay handles the secure parts, so your customer gets a fast checkout and you get a clear record of every transaction.

1. 01
   Customer paysYour customer chooses a payment method at checkout and enters their details.
2. 02
   Details are encryptedPayment details are encrypted before they leave the checkout page.
3. 03
   Sent for approvalPayandPay routes the request to the bank or network behind the customer’s card, account or UPI ID.
4. 04
   Approved or declinedThe bank checks the payment and replies with an approval or a decline, usually within seconds.
5. 05
   You’re notifiedYour customer sees the result instantly; your dashboard and webhooks show the same status.
6. 06
   Money is settledSuccessful payments are settled to your registered bank account on your settlement cycle.

Supported payment methods

Where you can use it

Set up the Payment Gateway

1. 1
   Create your account

   Sign up and complete onboarding with your business details. See Documents required.

2. 2
   Get your API keys

   Generate test keys first. See API keys & test mode.

3. 3
   Integrate checkout

   Use our REST APIs, SDKs or a ready plugin for your platform. See SDKs & plugins.

4. 4
   Test, then go live

   Run test payments in test mode, then switch to live keys once your account is activated.

Frequently asked questions

Payouts

Payouts let you send money from PayandPay to vendors, employees, customers and partners: one at a time, in bulk, or automatically from your own system.

How payouts work

1. 01
   Add beneficiariesSave vendors, staff and partners once, with their bank account or UPI ID.
2. 02
   Create a payoutPay one person, upload a bulk file, or trigger payouts from your system by API.
3. 03
   Money movesFunds are sent to each beneficiary’s bank account or UPI ID.
4. 04
   Track and reconcileFollow every payout to its final status and download reports for your books.

Send a single payout

1. 1
   Choose the beneficiary

   Pick a saved beneficiary, or add a new one with their name and bank account number with IFSC, or their UPI ID.

2. 2
   Enter the amount

   Add the amount and a short note for your records.

3. 3
   Approve and send

   If approvals are switched on, the payout waits for an approver. Otherwise it’s sent straight away.

Send payouts in bulk

1. 1
   Download the template

   Get the bulk payout file template from the Payouts section of your dashboard.

2. 2
   Fill in one row per payout

   Add the beneficiary, account number and IFSC or UPI ID, amount and a reference.

3. 3
   Upload and review

   Upload the file. PayandPay checks every row and flags mistakes before anything is sent.

4. 4
   Approve the batch

   Approve once and the whole batch is processed. Follow each payout’s status as it completes.

Payout statuses

Frequently asked questions

Payment Links

A payment link is a secure web address you send to a customer. They open it, see what they owe and pay by UPI, card, net banking or wallet. You don’t need a website.

Create a payment link

1. 1
   Open Payment Links

   In your dashboard, open Payment Links and choose to create a new link.

2. 2
   Add the details

   Enter the amount and a short description. Add the customer’s name, email and phone number if you want reminders sent to them.

3. 3
   Set the options

   Choose an expiry date and switch on automatic reminders if you need them.

4. 4
   Share it

   Send the link by WhatsApp, SMS or email, or paste it into any chat.

Follow your links

Where payment links work well

Frequently asked questions

Smart Collect

Smart Collect gives each customer, invoice or order its own virtual account number. When someone pays into it by bank transfer, PayandPay knows who paid and matches the payment for you.

How it works

1. 01
   Create a virtual accountGenerate a unique account number for each customer, invoice or order.
2. 02
   Share the detailsGive your customer the account number and IFSC on an invoice, statement or in your app.
3. 03
   Customer paysThey send a normal bank transfer from any bank, by NEFT, RTGS or IMPS.
4. 04
   You’re notifiedThe payment is matched to the right customer, your dashboard updates and your system is told through webhooks.

Set up Smart Collect

1. 1
   Create virtual accounts

   Create them one at a time in the dashboard, in bulk with a file, or automatically through the API.

2. 2
   Share the details

   Add the account number and IFSC to your invoices, customer statements or app.

3. 3
   Receive and match

   Every incoming transfer is matched to its customer, so there are no bank statements to search through.

When to use it

Frequently asked questions

Pay Profile

Your Pay Profile is one page that lists everything customers can pay you for, such as fees, products, services or donations, at a single link they can always find.

Set up your Pay Profile

1. 1
   Add your business details

   Your business name, logo, a short description and contact details.

2. 2
   Add what people can pay for

   Create an item for each fee, product or service, with a fixed amount or an amount the customer enters.

3. 3
   Choose what to ask customers

   Collect the details you need with each payment, such as a student ID, flat number or order reference.

4. 4
   Share your link

   Add it to your website, social media bio, WhatsApp Business profile or printed material.

Who uses Pay Profile

Follow your collections

Every payment appears in your dashboard, sorted by the item it was for, so you can see what each fee or product has collected.

Frequently asked questions

Pay Button

A pay button is a few lines of code you add to any web page. Customers click it, a secure PayandPay checkout opens, and they pay without leaving your site.

Add a pay button

1. 1
   Create a button

   In your dashboard, give the button a name and set a fixed amount or let customers enter their own.

2. 2
   Copy the code

   Copy the short embed code the dashboard gives you.

3. 3
   Paste it on your page

   Add it to any web page that accepts embed or HTML code: a website builder, blog or landing page.

4. 4
   Test it

   Make a test payment in test mode, then switch to live.

Button options

Where it works

Frequently asked questions

Subscription Payments

Subscription Payments collect recurring amounts automatically. Your customer approves a mandate once, and PayandPay charges them on every billing date.

How it works

1. 01
   Create a planSet the amount and how often to charge.
2. 02
   Customer approvesThey set up a mandate once, with UPI AutoPay or their card.
3. 03
   Charged on schedulePayments are collected on each billing date, with a reminder beforehand.
4. 04
   Retries and reportsFailed payments are retried, and everything is tracked in your dashboard.

Set up a subscription

1. 1
   Create a plan

   Set the amount, the billing frequency and how many cycles to charge.

2. 2
   Invite your customer

   Send the subscription link. Your customer approves the mandate with UPI AutoPay or their card.

3. 3
   Let it run

   Each payment is collected on its billing date. Follow upcoming and past charges in your dashboard.

About mandates

A mandate is your customer’s one-time permission to charge them on a schedule. Once it’s approved, most payments are collected automatically, with a reminder before each charge.

Frequently asked questions

QR Code Payments

QR Code Payments let customers pay you in person by scanning your PayandPay QR code with any UPI app. The money comes to you and you get an instant alert.

Start taking QR payments

1. 1
   Generate your QR

   Create your QR code in the dashboard.

2. 2
   Display it

   Print it for your counter, bills, menus or delivery bags.

3. 3
   Customer scans and pays

   They scan with any UPI app, confirm the amount and pay.

4. 4
   You’re notified

   You get an instant alert and the payment appears in your dashboard.

Where to put your QR

Frequently asked questions

Invoice

Create GST-ready invoices in minutes, send them to your customers, and let them pay online the moment they open them.

Create and send an invoice

1. 1
   Add the customer

   Enter the customer’s name, email and phone number, and their GSTIN if they have one.

2. 2
   Add line items

   Add each item with a description, quantity, price and tax rate.

3. 3
   Check your GST details

   Your GSTIN and tax details are added to the invoice for your customer’s records.

4. 4
   Send it

   Send the invoice by email or SMS. It includes a pay-online link.

Invoice statuses

Invoice many customers at once

Upload a single file to create and send invoices in bulk. It’s useful for monthly fees, dealer billing and anything you invoice on a cycle.

Frequently asked questions

PayandPay Store

PayandPay Store gives you a ready online store. Add your products, share your store link, and take orders and payments with no website or developer needed.

Set up your store

1. 1
   Name your store

   Add your store name, logo and a short description.

2. 2
   Add products

   Add photos, prices and descriptions, and sort products into categories.

3. 3
   Set how orders reach customers

   Explain delivery or pickup so customers know what to expect.

4. 4
   Share your store link

   Post it on WhatsApp, Instagram, Facebook or anywhere your customers are.

Taking orders

• Customers add items to the cart and pay at checkout by UPI, card or net banking.
• You get a notification as soon as an order is placed.
• Every order appears in your dashboard with the customer’s details and payment status.
• Refund an order from the dashboard if you need to. See Refunds.

Who it’s for

Frequently asked questions

Booking & Ticketing

Booking & Ticketing lets customers book and pay in one step for events, classes, appointments or slots, while you see every booking in one place.

Create an event or schedule

1. 1
   Add the details

   Name, date and time, and the venue or online link.

2. 2
   Set tickets or slots

   Add ticket types or time slots, prices and how many are available.

3. 3
   Share your booking page

   Send the link to customers, or add it to your website and social media.

4. 4
   Customers book and pay

   They choose, pay and get their confirmation straight away.

Manage your bookings

• See who’s booked and what they paid for.
• Follow sales for each event or schedule in your dashboard.
• Refund cancellations from the dashboard. See Refunds.

Who uses it

Frequently asked questions

Transactions

Every payment made to you appears in Transactions, from the moment it starts to the moment it settles.

Payment statuses

Find a transaction

1. 1
   Search

   Search by payment ID, order ID, customer email or phone number.

2. 2
   Filter

   Narrow the list by date, status, amount or payment method.

3. 3
   Open it

   See the full timeline, the payment method and the settlement it belongs to.

Why payments fail

• Wrong OTP or UPI PIN
• Not enough balance or a card limit reached
• The customer’s bank or network was temporarily down
• The customer closed the page before finishing
• The card isn’t enabled for online payments

Refunds

You can refund any successful payment, in full or in part, from your dashboard or through the API.

Issue a refund

1. 1
   Find the payment

   Open Transactions and search for the payment.

2. 2
   Choose refund

   Refund the full amount or enter a smaller amount for a part refund. Add a reason for your records.

3. 3
   Confirm

   Check the amount and confirm. The refund starts straight away.

4. 4
   Follow it

   Track the refund until it reaches your customer.

How long refunds take

Refunds go back to the method the customer paid with. How quickly they show up depends on the customer’s bank: [UPI: X days; cards: X–Y working days; net banking: X–Y working days — confirm before launch].

Refund statuses

Frequently asked questions

Disputes & chargebacks

A dispute, or chargeback, happens when a customer asks their bank to reverse a payment. You’re told straight away and can respond with evidence.

How a dispute works

1. 01
   Customer raises itThe customer contacts their bank about a payment.
2. 02
   You’re notifiedYou get an email and a dashboard alert with the reason and the deadline to respond.
3. 03
   You respondAccept the dispute, or upload evidence that the payment was genuine.
4. 04
   The bank decidesThe customer’s bank reviews the case and makes the final decision.

Common reasons

Evidence that helps

• Invoice or order confirmation
• Proof of delivery, or proof the service was provided
• Messages or emails with the customer
• Your refund and cancellation policy, as shown at checkout
• Refund details, if you’ve already refunded the customer

Frequently asked questions

Settlements

Settlement is how the money you collect reaches your bank account. PayandPay adds up your successful payments, deducts fees and refunds, and transfers the rest.

Your settlement cycle

Successful payments are settled to your registered bank account on your settlement cycle: [T+X working days — confirm before launch]. Payments made on weekends and bank holidays settle on the next working day.

How a settlement is worked out

Check a settlement

1. 1
   Open Settlements

   See every settlement with its date, amount and status.

2. 2
   Open a settlement

   See exactly which payments, refunds and fees it includes.

3. 3
   Match it with your bank

   Use the UTR number on the settlement to find the credit in your bank statement.

Frequently asked questions

Reports

Reports give your finance team clean records of payments, refunds, settlements and payouts, ready for accounting and GST.

Reports you can download

Download a report

1. 1
   Open Reports

   Choose the report you need.

2. 2
   Pick a date range

   Select the period, such as yesterday, last month or a custom range.

3. 3
   Download

   Download the file to open in Excel or your accounting software.

API overview

The PayandPay APIs let your developers build payments into your website, app or back office: accept payments, issue refunds, send payouts and fetch settlements.

What you can do with the API

How it works

• A REST API that sends and receives JSON
• Every request is made over HTTPS and authenticated with your API keys
• Separate keys for test mode and live mode
• Webhooks tell your system when something changes, so you don’t need to keep checking

Integration checklist

1. 1
   Get test keys

   Generate keys in test mode. See API keys & test mode.

2. 2
   Build and test

   Build your integration and try successful and failed payments in test mode.

3. 3
   Set up webhooks

   Make sure your system updates orders from webhooks. See Webhooks.

4. 4
   Go live

   Swap your test keys for live keys once your account is activated.

API keys & test mode

API keys let your system talk to PayandPay securely. You get separate keys for test mode and live mode.

Generate your keys

1. 1
   Switch to test mode

   Use the mode switch in your dashboard.

2. 2
   Open API keys

   Go to Settings and open API keys.

3. 3
   Generate a key pair

   You’ll get a key ID and a key secret.

4. 4
   Store the secret safely

   Copy the secret straight away and keep it on your server. Treat it like a password.

Test mode and live mode

Keep your keys safe

• Never put your key secret in website code or a mobile app.
• Store it in your server’s environment settings, not in your code repository.
• Give access only to the people who need it.
• If a secret is exposed, generate a new one straight away and stop using the old one.

Make test payments

In test mode, use the test cards, UPI IDs and banks listed in our developer documentation to try both successful and failed payments.

Webhooks

Webhooks are automatic messages PayandPay sends to your server when something happens, such as a payment succeeding, a refund completing or a payout failing, so your system stays up to date without asking.

Events you can receive

Set up a webhook

1. 1
   Create an endpoint

   Add an HTTPS address on your server that can receive messages.

2. 2
   Add it in the dashboard

   Go to Settings, then Webhooks. Add your address, choose the events and set a secret.

3. 3
   Verify every message

   Check each message’s signature with your secret, so you only trust messages from PayandPay.

4. 4
   Reply quickly

   Return a success response straight away and do any heavy work afterwards.

Good practice

• The same event can arrive more than once. Use its ID to avoid processing it twice.
• Events may arrive out of order. Check the current status if order matters.
• If your server doesn’t respond, the message is sent again [retry schedule — confirm before launch].
• Test your webhooks in test mode before going live.

SDKs & plugins

Don’t want to build from scratch? Use a plugin for your e-commerce platform or an SDK for your app.

Plugins for online stores

Install the PayandPay plugin for your store platform, add your API keys, and PayandPay appears as a payment option at checkout. [List the supported platforms — confirm before launch.]

Install a plugin

1. 1
   Install

   Install the PayandPay plugin from your platform’s marketplace or our Developers page.

2. 2
   Add your keys

   Paste your test keys into the plugin settings. See API keys & test mode.

3. 3
   Place a test order

   Buy something from your own store in test mode to check everything works.

4. 4
   Go live

   Swap in your live keys once your account is activated.

SDKs for apps and servers

[List the mobile and server SDKs available — confirm before launch.] SDKs handle checkout, signatures and API calls, so your developers write less code.

Users & roles

Give each person on your team their own login, with access only to what they need.

Add a team member

1. 1
   Open Team settings

   Go to Settings and open Team.

2. 2
   Invite them

   Enter their email address and choose a role.

3. 3
   They accept

   They get an email invite, accept it and set their own password.

Choosing a role

Security settings

Protect your account and your money with a few habits and settings that take minutes to set up.

Protect your account

• Use a strong password that you don’t use anywhere else.
• Keep your registered email and phone number secure, because one-time passwords are sent there.
• Give every team member their own login. See Users & roles.
• Use approval workflows for payouts, so no single person can send money alone.
• Keep API secrets on your server only. See API keys & test mode.

Spot fraud attempts

• PayandPay will never ask for your password, OTP or API secret by phone, email or WhatsApp.
• Before you log in, check that the address is payandpay.in.
• Be wary of “customers” who overpay and ask you to send the difference back.
• Never share your screen with someone claiming to be from support.

If something looks wrong

Change your password and contact us straight away at support@payandpay.in or +91 852 852 7373. Read more about how we protect payments on our Security & Compliance page.

Partner program

The PayandPay Partner Program is for agencies, developers, consultants and platforms that bring businesses to PayandPay.

Who it’s for

How to join

1. 1
   Apply

   Fill in the application on our Partner Program page.

2. 2
   Get approved

   Our partnerships team reviews your application and sets up your partner account.

3. 3
   Bring in businesses

   Refer businesses to PayandPay, or help them sign up and integrate.

4. 4
   Follow your results

   See the businesses you’ve brought in and your partner earnings. [Commission terms — confirm before launch.]