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PayU India merchant payment aggregation

Company overview

About PayU

What the company provides

  • Processor
  • Gateway
  • Regulated cross border payment aggregator
  • Regulated payment aggregator

Available countries, payment methods, data access, contracts and funds handling depend on the selected product.

PayU Payments Private Limited is the current Prosus-controlled PayU payments business in India.

It operates RBI-authorised online, offline and cross-border payment aggregation. India-registered merchants use its domestic, offline and international-acceptance route; approved merchants established outside India can use the separate Cross-Border Payments Import route to collect from Indian buyers without an Indian entity and receive settlement to an offshore account through authorised dealer banks. PayU supplies merchant integration and risk controls and participates in the applicable aggregation funds flow; banks, card networks and payment-system participants retain payer-account, authorization and rail roles.

Founded 2006payu.inUpdated Aug 15, 2026

Selected product

PayU India merchant payment aggregation

India merchant domestic, offline and cross-border payment aggregation

Merchant account & merchant review

  1. Merchant account

    PayU onboards the merchant and maintains transaction and settlement records for the payment-aggregation service. The public authorisations do not establish a bank deposit account, conventional acquiring merchant account or PayU-issued card-acquiring MID

  2. Merchant underwriter

    PayU reviews merchant applications

    Merchant underwriting is included with this product.

Primary legal entity

PayU Payments Private Limited

Jurisdiction
India
Registration number
U72400MH2006PTC293037
Company type
Private limited company

Legal entities by jurisdiction

One legal entity registered in IndiaOne jurisdiction

The legal entity supplying a product can differ by product and country.

Product portfolio

PayU products

Compare each product by the company's role, merchant-account setup, underwriting, payment processing and settlement responsibilities.

PayU India merchant payment aggregation

Role in this product

  • Regulated payment aggregator

PayU Payments Private Limited operates RBI-authorised domestic online, offline and cross-border payment aggregation for India-registered merchants.

It provides the merchant integration, receives approved payer funds through the applicable aggregation flow and settles the merchant through the applicable collection or escrow route; banks and card networks retain authorization and account roles.

Related services
Alternative payment methodsDirect APIFraud preventionHosted checkoutMerchant settlement
Features
CheckoutComplianceFraud and riskGatewayPayment operationsPricingSettlementUnderwriting

PayU Cross-Border Payments Import

Role in this product

  • Regulated cross border payment aggregator

An approved merchant established outside India can collect from Indian buyers without forming an Indian entity.

PayU operates the cross-border payment-aggregation workflow and, with authorised dealer banks, settles the overseas merchant to an offshore account in an available currency. The merchant remains the seller and retains product, consumer and tax obligations.

Related services
Alternative payment methodsDirect APIFraud preventionHosted checkoutMerchant settlement
Features
CheckoutComplianceFraud and riskGatewayPayment operationsPricingSettlementUnderwriting

Selected product

PayU India merchant payment aggregation

Related services
5 capabilities
Features
8 capabilities

Merchant account, approval, processing & settlement

Who supplies the merchant account, approves the merchant, processes payments and settles funds.

01 · Role in this product
Regulated payment aggregator
02 · Merchant account
PayU onboards the merchant and maintains transaction and settlement records for the payment-aggregation service. The public authorisations do not establish a bank deposit account, conventional acquiring merchant account or PayU-issued card-acquiring MID
03 · Merchant underwriting
PayU performs merchant underwriting
04 · Merchant settlement
Daily provider to merchant settlement

Selected product: PayU India merchant payment aggregation.

Payment processing

PayU India merchant payment aggregation: processing, approval & settlement

Review the payment services included with this product and which companies approve the account, process payments and send merchant settlement.

Selected product: India merchant domestic, offline and cross-border payment aggregation

Included in PayU India merchant payment aggregation

Features included with this product.

Solutions
Alternative payment methodsDirect APIFraud preventionHosted checkoutMerchant settlement
Capabilities
CheckoutComplianceFraud and riskGatewayPayment operationsPricingSettlementUnderwriting

Account approval, payment processing & settlement

Who approves the account, processes payments and sends merchant settlement for PayU India merchant payment aggregation; any separate merchant account or acquirer is shown only when identified.

Included

Payment gateway, PSP and acquirer connections

Integration options, connected PSPs and acquirers, tokenization, 3DS and merchant tools.

Fraud & authentication connections

Screen → authenticate → return decision

Merchant funds
Yes
Merchant funds
Handles merchant funds at one or more stages
Transaction processing
Yes
Merchant settlement
Yes
Direct acquiring
No
Merchant account
No
MID
No
Merchant account model
PayU onboards the merchant and maintains transaction and settlement records for the payment-aggregation service. The public authorisations do not establish a bank deposit account, conventional acquiring merchant account or PayU-issued card-acquiring MID.
Seller funds model
PayU receives approved payer funds through the applicable payment-aggregation collection or escrow flow and settles the merchant. Cross-border settlement and foreign exchange use the applicable authorised dealer bank.
  1. 01Merchant integrationIntegration options and connected payment providers
  2. 02Payment securityTokenization, authentication and transport security
  3. 03Development & operations

Gateway connections

Merchant integration, PSP and acquirer connections

Integration options

Integration options
  • REST API
  • Hosted checkout
  • Web SDK
  • Mobile SDK

Gateway

Payment technology

Connected payment provider

Types of connected payment providers
  • Acquirer
  • Bank
  • Digital wallet
  • Payment processor
  • PSP

Security controls

Tokens and payment authentication

Tokenization
Yes
3-D Secure
Yes
Token formats
  • Card token

Operations

Webhooks, Control Panel and test environment

Tools used to test an integration and manage live payments.

Webhooks
Yes
Sandbox
Yes
Merchant control panel
Yes
Account management included
Yes
API-oriented
Yes
Gateway included
Yes
Onboarding included
Yes
Seller of record
No
Tax responsibility
No
Gateway features
  • Payment order creation
  • Authorization and capture
  • Refund
  • Payment status notification
  • Local payment method selection
Webhook events
  • Payment status
  • Refund status
Role in this product
Regulated payment aggregator
Account relationship
The merchant remains seller of the goods or services and retains fulfilment, consumer and tax obligations. PayU Payments Private Limited acts as the regulated payment aggregator.
Payment processing model
PayU supplies the merchant integration and aggregation workflow. The issuer, acquiring institution, card network, bank or other payment-system participant performs its rail-specific authorization and account role.
Questions to confirm

Which connectors apply to India merchant domestic, offline and cross-border payment aggregation?

Connectors are not specified for India merchant domestic, offline and cross-border payment aggregation.

Merchant eligibility · India merchant domestic, offline and cross-border payment aggregation

Can my business apply, and who makes the underwriting decision?

PayU reviews merchant applications.

Merchant eligibility

1 country

India merchant domestic, offline and cross-border payment aggregation is available to eligible businesses in these countries. Eligibility can differ by processing arrangement and payment method.

Underwriting decision

PayU reviews merchant applications

Merchant underwriting is included with this product.

Underwriting type
Merchant underwriting
Product
India merchant domestic, offline and cross-border payment aggregation
Owner & operating location
Criterion: legal entity registration · Location means legal entity registration

Applicant-location rules are separate from the country in which customers pay.

Regulated-business license
Required for regulated businesses

The accepted license, jurisdiction and operating entity are not specified.

01Merchant eligibility & restrictions

What are the eligibility requirements and restricted business types?

Underwriting requirements and restrictions determine whether the merchant can be accepted. Serving an industry does not mean every merchant in that industry will be approved.

Eligibility requirements

01

Business bank account

Required

02

Processing statements

Not specified

Confirm how many complete statement months are required

03

Eligibility information

PayU Payments Private Limited applies India payment-aggregator onboarding, restricted-business, risk and enhanced-due-diligence requirements. No universal public minimum volume, ticket ceiling, processing-history period, chargeback threshold or approval time is stated.

Restricted activity

Business restrictions

Product · MCC · jurisdiction · sales practice

Product, MCC, sales-practice and jurisdiction restrictions are not specified for this product.

02Underwriting documents

What must be ready before underwriting starts?

The application, supporting documents and underwriting checks required before a merchant account can be opened.

Underwriting documents

Prepare documents → submit application → merchant underwriting

Missing documents or eligibility details can delay the underwriting decision.

Processing application documents

Documents to prepare

  1. 01Business registration and ownership
  2. 02Directors and authorised representatives
  3. 03Website products and business model
  4. 04Settlement bank account
  5. 05Processing and risk information when requested
  6. 06Regulated business license when applicable

Merchant review & processing activation

The merchant-account review, integration and live-processing activation steps are not specified

Application checks

Underwriting checks

Application and activation requirements.

Website requirements

  • Merchant identity and contact information
  • Products services and pricing
  • Terms privacy refund and delivery information

Merchant-account and processing requirements

Business, ownership, sanctions, merchant-account and processing checks are not specified

Processing onboarding tasks

The onboarding tasks performed by the provider are not specified

Before applying

Application requirements to confirm

Business history, volume, account conditions, restrictions and review timing are not fully specified.

Business history & risk

Startup status, processing history, credit, MATCH and chargeback tolerance.

  1. 01

    Will you accept a startup with no operating history for this product?

    Startup eligibility is not specified.

  2. 02

    Will you consider a merchant listed in Mastercard MATCH for this product, and under what conditions?

    Eligibility for merchants listed in Mastercard MATCH is not specified.

  3. 03

    Will you consider adverse credit or a previous processor termination, and under what conditions?

    Eligibility after adverse credit or a previous processor termination is not specified.

  4. 04

    Is processing history required, and how many complete months of statements must I provide?

    Processing-history requirements and the minimum period are not specified.

  5. 05

    Will you consider prior high chargebacks, and what chargeback ratio is acceptable?

    Neither a complete high-chargeback policy nor an acceptable ratio is specified.

Volume & account conditions

Ticket limits, volume expectations, guarantees and bank-account rules.

  1. 06

    Is a personal guarantee required, and what business bank-account conditions must be met before activation?

    Personal-guarantee and business-bank-account requirements are not specified.

  2. 07

    What monthly-volume, average-ticket, maximum-ticket and high-volume review thresholds apply?

    Volume and ticket thresholds are not specified.

Approval & restrictions

Who reviews the business and which products, jurisdictions or MCCs are excluded.

  1. 08

    Which products, MCCs, sales practices and jurisdictions are prohibited for this product?

    Product-specific restrictions on products, MCCs, sales practices and jurisdictions are not specified.

Underwriting process & approval time

Decision criteria, manual review, when review starts or pauses, and decision timing.

  1. 09

    How long do preliminary and final approval take after a complete application is submitted?

    Approval time is not specified for at least one stage.

Payment methods & countries · India merchant domestic, offline and cross-border payment aggregation

Where can the business process payments, and which methods are available?

Company payment-method and country totals can span multiple products.

Selected product

India merchant domestic, offline and cross-border payment aggregation

Payment-method availability

Selected product

Business applying for processing

1 country

The business registration country, acquiring countries and customer countries are separate requirements.

Method categories

  • Bank transfer
  • Cards
  • Local payment methods
  • Real-time bank payments
  • Wallets

Currencies

≥100 cross border import settlement currency options

The currencies total can include several products; the number available with this product depends on the agreement.

Availability depends on

  • PayU payments private limited merchant approval
  • India payment aggregator product
  • Merchant industry
  • Payment method
  • Payer location
  • Currency
  • Issuer bank or payment system
  • Local regulatory requirements
  • Offshore merchant and India import corridor approval

India merchant domestic, offline and cross-border payment aggregation payment methods and market coverage depend on the legal entity, merchant country, customer country, currency, industry and account configuration.

01Payment-method availability

Card acceptance, bank payment rails, and digital wallets

Payment-method availability depends on the selected product, legal entity, merchant country, customer country, currency, merchant category and account configuration.

Card acceptance

Card types

  • Credit card
  • Debit card
  • Prepaid card

Card brands

  • Visa
  • Mastercard
  • American Express
  • Diners Club
  • Rupay

Bank payment rails

Bank methods

  • Net banking
  • UPI
  • Neft rtgs
  • Aadhaar enabled payment system
  • Imps

Bank-transfer rails

  • Neft
  • Rtgs
  • Imps
  • UPI

Digital wallets

Wallets

  • Paytm
  • Phonepe
  • Amazon pay

Card payouts

Card payout rails

Card-payout availability is not specified for this product

02Countries & availability

Where can the business be registered, where is acquiring available, and where can customers pay?

Business location, merchant-account coverage, acquiring countries and customer location can differ.

Country coverage

Merchant, acquiring, customer and product countries

  1. 01

    Business location

    Where can the business applying for processing be registered?

    1 country

    This is where the business is registered; it does not determine acquiring-country or customer-country availability.

    Show all 1 country
    • INIndia
    Merchant application review
  2. 02

    Acquiring countries

    Where is merchant acquiring available?

    The acquirer for each target country is not specified

    Across all products
  3. 03

    Customer location

    Where can customers pay from?

    Customer countries are not specified

    Customer countries by payment method and currency are not specified for this product.

    Across all products

Countries and payment methods

Countries and payment methods to confirm

  1. Which payment methods are available for my legal entity, customer countries, currencies, industry, MCC and transaction types?

    The payment methods included for the selected product, legal entity and merchant configuration are not specified.

  2. Which customer countries are available for each payment method in the agreement?

    Customer countries are not specified for each payment method.

  3. Which country launches are planned, and on what timeline?

    Planned country launches and dates are not specified.

  4. Which legal entity provides acquiring, and which entity settles funds in each target market?

    The acquiring entity for each target market is not specified.

  5. Which alternative payment methods are available for this product?

    Alternative payment methods are not specified for this product.

Pricing & funds · India merchant domestic, offline and cross-border payment aggregation

What does this product cost, and when are funds settled?

Product price, contracting entity and additional fees

Pricing

Public rates are available for all pricing plans

Published rates can still vary by payment method, country, currency and merchant agreement.

Pricing method

Public pricing

01Commercial terms

What makes up the quoted price?

Review the pricing plan, pricing model, fees and contract duration.

  1. 01 · Pricing plan

    • PayU India published pay-as-you-use pricing

  2. 02 · Pricing model

    • Percentage only

Fee structure

Fees that may appear in the agreement for this product

  1. 01
    Possible fees
    May apply
    • 18 percent GST on published transaction charges
    • Priority or same day settlement fee if selected
    • Custom volume industry risk and business model pricing may replace public slab

    Amounts and applicability vary by merchant agreement.

  2. 02
    Explicitly waived
    • monthly fee
    • setup fee
    • application fee
    • annual fee
  3. 03
    Processing rates
    • Domestic Visa, Mastercard, net banking, BNPL and wallet transactions · Percentage · 2%
    • Diners, American Express, EMI and international transactions · Percentage · 3%

Fees requiring a quote

Amounts and waivers are not specified

gateway fee
PCI fee
batch fee
early-termination fee
monthly minimum
02Reserve holder

Which entity can establish or hold a reserve?

The reserve holder, amount and release conditions are not specified.

Reserve holder

The entity holding the reserve is not specified

Reserve holder

Reserve terms are not specified for this product

Reserve terms from another product or provider do not apply to this product.

03Merchant settlement

When are sale proceeds settled, and who sends them to the merchant?

Settlement makes processed sale proceeds available to the merchant.

Merchant settlement

Sale proceeds and settlement responsibility

Settlement schedule

  • PayU India standard T+2 settlement: Daily · delay 2 business days

Settlement methods

  • Methods: Bank transfer

Pricing & settlement terms

Terms to confirm in the agreement

Price

  1. Which of these apply, at what amount and on what trigger: gateway fee, PCI fee, batch fee, early-termination fee, and monthly minimum?

    Amounts and waivers are not specified for these fees.

  2. What are the initial term, renewal term, cancellation notice period and early-termination charge for this product?

    The initial term, renewal and cancellation terms are not specified for this product.

  3. Is there a minimum settlement amount, carry-forward rule or fee below threshold for PayU India standard T+2 settlement?

    A settlement minimum or carry-forward rule is not specified.

Reserve & held funds

  1. Can India merchant domestic, offline and cross-border payment aggregation require a rolling reserve, security deposit or post-termination hold, and what are the percentage, cap, duration and release trigger?

    The reserve percentage, cap, hold period or release terms are not fully specified for this product.

Checkout flow · India merchant domestic, offline and cross-border payment aggregation

How do checkout, tokenization, provider connections and implementation work?

API-based checkout and payment processing for this product

Checkout flow

Collect payment details → tokenize → submit → events & diagnostics

The checkout integration determines who controls the payment form, how payment details are tokenized, which providers receive the payment request, and which SDKs and webhooks are available.

Selected product

India merchant domestic, offline and cross-border payment aggregation

Checkout integrations, tokenization, provider connections, SDKs and webhooks.

  1. Checkout routes

    No checkout integration is specified for this product for India merchant domestic, offline and cross-border payment aggregation

    Not specified

  2. Gateway integration, security and transaction tools

    Payment order creation · Authorization and capture

  3. Payment processing and funds handling

    Processes transactions · Settles merchant funds

  4. Reporting & reconciliation

    Available reports, update times and reconciliation procedures are not specified

    Not specified
01

Checkout routes

Which hosted, embedded or API checkout options are available?

The actual integration surfaces, UI ownership and deployment choices.

Checkout integration

Not specified

No checkout integration is specified for this product for India merchant domestic, offline and cross-border payment aggregation

02

Gateway integration, security and transaction tools

Which payment providers can checkout connect to?

API entry points, testing, events, tokens and authentication.

Selected setup

Connections entry point

How requests enter this product and which integration boundary applies.

Integration options

  • REST API
  • Hosted checkout
  • Web SDK
  • Mobile SDK

Gateway integration, security and transaction tools

Connected payment-provider types

Connections
01

Transaction and security features

  • Payment order creation
  • Authorization and capture
  • Refund
  • Payment status notification
  • Local payment method selection
02

Test environment

Sandbox available

03

Webhooks

Payment status and Refund status

04

Tokenization

  • Card token
05

3-D Secure

Supported

06

Merchant control panel

Yes

Connected acquirer / processor

Payment providers that can receive transactions from the gateway.

Connected acquirer and processor types

Assigned outside this product
  • Acquirer
  • Bank
  • Digital wallet
  • Payment processor
  • PSP

A connected acquirer or processor may have separate pricing, contract and underwriting requirements.

Recurring operations

Recurring operations

Subscription creation, stored credentials, retries and who controls the schedule.

Recurring billing availability
Not specified

Recurring billing is not specified for this product

03

Payment processing and funds handling

Who collects and tokenizes payment details, authorizes payments and handles funds?

Which legal entity provides the merchant account, performs underwriting, processes and acquires payments, settles funds and provides support.

Payment processing and funds handling

  • Processes transactions
  • Settles merchant funds
  • Handles merchant funds
  • Does not provide the merchant account
  • Does not provide the MID
  • Does not provide direct acquiring

Available controls

Which legal entity provides the merchant account, performs underwriting, processes and acquires payments, settles funds and provides support.

  1. 01

    Supported transaction types

    Which controls are available with this product?

    Supported transaction types

    • Authorization
    • Capture
    • Cancellation
    • Refund
    • Recurring payment
    • Transaction status
    • Merchant settlement record
04

Reporting & reconciliation

Which SDKs, events and implementation diagnostics are available?

What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

Reporting & reconciliation

Checkout integration → tokenization → payment submission → webhooks & error reporting

Client SDKs, environments, webhook events, request logs and operational diagnostics.

  1. 01

    Reporting & reconciliation

    What operations teams can reconcile, how quickly data arrives and where exceptions are handled.

    Reporting & reconciliation

    Not specified

    Available reports, update times and reconciliation procedures are not specified

Before integration

Integration details not specified

  1. 01

    Which hosted, embedded or direct-API checkout is contracted for India merchant domestic, offline and cross-border payment aggregation, and who owns the UI and PCI scope?

    No checkout integration is specified for this product.

  2. 02

    Which transaction, fee, settlement and chargeback reports are available, how quickly do they update, and what reconciliation keys join them?

    Reporting and reconciliation terms are not specified for this product.

Merchant funds, risk & support

PayU India merchant payment aggregation: risk, licenses & support

Payment processing, merchant funds, reserves, chargebacks, contracting entity, regulated payment services and support.

PayU India merchant payment aggregationService: India merchant domestic, offline and cross-border payment aggregation
01 / Processing, reserves & chargebacks

Who can suspend payment processing or hold merchant funds?

Payment processing, reserve or other holds on merchant funds, fraud controls and chargeback handling.

Payment processing & funds

API-based payment processing

Who bears payment losses, who may suspend payment processing, who handles chargebacks and the parties' duties after termination are not specified for this product.

Role in this product
Regulated payment aggregator
Who receives and settles funds
Daily provider to merchant settlement

Reserve or security deposit

Reserve amount and release terms are not specified

The reserve amount and release schedule are not specified for this product. A reserve may still be included in the final agreement.

Not specified

Fraud, authentication & chargebacks

Fraud screening, 3-D Secure and chargeback handling

Fraud screening and 3-D Secure are available. Responsibility for chargebacks, refunds, fraud losses and negative balances is not specified. The agreement must also state who can suspend processing or hold settlement funds.

  1. 01

    Before authorization

    Fraud screening

  2. 02

    At checkout

    3-D Secure authentication

BEFORE AUTHORIZATION

Fraud screening

Which fraud rules can block or flag a transaction for review?

Capabilities
Transaction risk screening3-D SecureDevice and behaviour signalsMerchant configured risk controls
Case management
Yes
Screening profiles
Yes
Signals
TransactionPayment instrumentDeviceAccountVelocity

AT CHECKOUT

3-D Secure authentication

Which 3-D Secure and verification methods are included?

3-D Secure
Yes
Before signingReserve, chargeback, settlement hold and suspension terms4 items to confirmReview contract terms
02 / Legal entity, license & registration

Which legal entity provides the service, and under which license or registration?

A company can use different legal entities, licenses or registrations for different payment products.

For this product

Contracting entity and authorization

Regulated payment aggregator. For PayU India merchant payment aggregation, the contracting entity is PayU Payments Private Limited; its authorization or registration is Payment aggregator authorization · Payment aggregator cross border authorization; and its permitted payment services are Online domestic payment aggregation · Offline payment aggregation · Cross border payment aggregation · Collection and settlement through authorised dealer banks.

  1. 01 · Contracting entity

    PayU Payments Private Limited

  2. 02 · Authorization or registration

    Payment aggregator authorization · Payment aggregator cross border authorization

  3. 03 · Permitted payment services

    Online domestic payment aggregation · Offline payment aggregation · Cross border payment aggregation · Collection and settlement through authorised dealer banks

Company legal entities, licenses & registrations

Company registrations and payment-services licenses do not identify the contracting entity for every product.

1 entity · 4 licenses or registrations

PayU Payments Private Limited

India · Registry U72400MH2006PTC293037 · Private limited company

Payment aggregator authorization

Reserve Bank of India · 2 permitted payment services · Active · Entity: PayU Payments Private Limited

Payment aggregator cross border authorization

Reserve Bank of India · 2 permitted payment services · Active · Entity: PayU Payments Private Limited

Bharat bill payment operating unit authorization

Reserve Bank of India · 1 permitted payment service · Active · Entity: PayU Payments Private Limited

Prepaid payment instrument authorization

Reserve Bank of India · 2 permitted payment services · Active · Entity: PayU Payments Private Limited

Security & regulatory information

Certifications, safeguarding arrangements and cross-border permissions for this product.

01

Security standards

Certifications and assessments

PCI DSS Level 1 service provider

Service provider level 1 · Entity: PayU Payments Private Limited

PCI DSS Level 1 service provider applies to India merchant domestic, offline and cross-border payment aggregation · Offshore merchant cross-border import payment aggregation.

02

Security controls

Privacy and security controls

Security controls
PCI DSS level oneTokenization3-D SecureFraud monitoringIndia payment aggregator funds controls
Security
https://payu.in/responsible-disclosure-policy/
Before signingContracting entity, payment services license and legal terms1 item to confirmReview contract terms
03 / Support

How can merchants reach support?

Company support hours and contact channels are available. It is not specified which ones cover India merchant domestic, offline and cross-border payment aggregation and payment-processing or merchant-settlement issues. First-response and resolution targets are also not specified.

Support contacts

Company support hours and contacts

The contacts that cover this product and payment-processing or merchant-settlement issues are not specified.

Company contacts

Support hours are not specified for these contacts.

Merchant support

help.payu.in

General

payu.in/payu-payments-privacy-statementpayu.in/payment-gatewaypayu.in/pricingprosus.com/news-insights/2025/prosus-ecommerce-profitability-surges-70-percent-as-ecosystem-growth-acceleratesprosus.com/~/media/Files/P/prosus-corp-v2/results-reports-and-events-archive/annual-report/2026/fy2026-annual-report.pdf

Developer

docs.payu.indocs.payu.in/docs/payment-mode-codes

Security

payu.in/responsible-disclosure-policy
Before signingSupport contacts, hours and response times3 items to confirmReview contract terms
India merchant domestic, offline and cross-border payment aggregation / Before signing

What should the merchant agreement include?

Confirm the contracting entity, approval conditions, processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Before signing

India merchant domestic, offline and cross-border payment aggregation: terms to confirm

Confirm each material commercial, operating and legal term in the agreements that govern this product.

Commercial & funding terms

Processing fees, reserve or security deposit, merchant funding schedule and chargeback fees

Approval, liability & exit

Underwriting conditions, responsible entities, loss allocation, suspension, support and termination

Contract checklist

Terms to review by topic

Jump to the underlying product details

  1. 01Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.
  2. 02Legal entity & licenseContracting entity, license or registration, and regulated payment services.
  3. 03SupportSupport contacts, hours, response times and escalation.
Merchant agreement

Contract terms to confirm

Review processing fees, merchant funding, reserves, chargebacks, liability, support and termination.

Reserves & chargebacksReserve or security deposit, chargebacks, processing suspension and settlement holds.

  1. Can a reserve or post-termination hold apply to this product, and how is it released?

    The entity that may establish and hold a reserve, the reserve amount and the release terms are not specified.

  2. What events allow India merchant domestic, offline and cross-border payment aggregation to be suspended or terminated?

    The notice period, any right to cure a breach, and the events allowing immediate suspension are not specified.

  3. Which contracted provider handles chargeback alerts, representment and card-network monitoring?

    The provider responsible for chargeback alerts, representment and card-network monitoring is not specified.

  4. Who handles open disputes, chargebacks and case submissions after termination?

    Ownership of open disputes, chargebacks and case submissions after termination is not specified.

Legal entity & licenseContracting entity, license or registration, and regulated payment services.

  1. Which privacy framework, controller roles and data-transfer terms apply to this product?

    The privacy framework, controller roles and data-transfer terms are not specified for this product.

SupportSupport contacts, hours, response times and escalation.

  1. What first-response, update and resolution targets apply by incident severity?

    First-response and resolution targets are not specified.

  2. Who handles escalations for payment failures, integration incidents and account restrictions?

    No escalation contact or process is specified for these incidents.

  3. Which support hours and contact channels cover India merchant domestic, offline and cross-border payment aggregation, and where should a merchant report payment-processing or merchant-settlement issues?

    The support scope for India merchant domestic, offline and cross-border payment aggregation and the contacts for payment-processing or merchant-settlement issues are not specified.

Product summary

What this product already includes

What this product includes, which restrictions apply and which merchant-agreement terms are not specified.

Included capabilities

Capabilities included with India merchant domestic, offline and cross-border payment aggregation.

  • PayU Payments Private Limited operates RBI-authorised domestic online, offline and cross-border payment aggregation for India-registered merchants. It provides the merchant integration, receives approved payer funds through the applicable aggregation flow and settles the merchant through the applicable collection or escrow route; banks and card networks retain authorization and account roles.