Payment Gateway
Cards, UPI, netbanking and wallets through one integration, with a hosted or custom checkout and settlement reporting.
Explore Payment GatewayAI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Products · Accept & CollectEvery way your business gets paid, on one platform.
Take payments at checkout, get paid by link without a website, accept UPI, and collect recurring or bulk dues on schedule — with every payment reconciled against the order it belongs to.
- Payment Gateway
- Payment Links
- UPI Payments
- Smart Collections
In short
Accept & Collect is the part of Paynancial that brings money in: the Payment Gateway for cards, UPI, netbanking and wallets at checkout; Payment Links for getting paid without a website; and Smart Collections for recurring and bulk payments on a schedule.
Overview
What Accept & Collect covers.
Businesses get paid in different moments: a customer checking out on a website, a client paying an invoice sent over WhatsApp, a subscriber renewing every month, a school collecting term fees from hundreds of families. Accept & Collect covers each of those with a product built for it.
All of them share the same foundation — one integration, real-time payment status, webhooks, and a settlement record behind every transaction — so you can start with one and add the others without a second integration.
Where to start
Pick the one that matches your need.
| If… | Start with |
|---|---|
| You sell on a website or app | Payment Gateway → |
| You want to get paid without a website | Payment Links → |
| Your customers pay by UPI | UPI Payments → |
| You bill on a schedule or collect from many customers | Smart Collections → |
The catalog
Everything in Accept & Collect.
Products with their own page link straight to it. Items marked “On request” are available to discuss with our team.
Payment Links
Shareable links with a fixed or open amount and an expiry date — no website needed.
Explore Payment LinksUPI Payments
UPI alongside cards, netbanking and wallets at checkout.
Explore UPI PaymentsSmart Collections
Recurring and bulk collection on a schedule, with retries, notifications and automatic reconciliation.
Explore Smart CollectionsRecurring Payments
Instalments and repeat charges collected on the schedule you set, with retries and per-cycle reconciliation.
Explore Recurring PaymentsSubscription Billing
Subscription fees collected every cycle, failed renewals retried and every renewal reconciled.
Explore Subscription BillingPayment Pages
The secure, branded page a customer pays on — your business name and the amount due — reached from a Payment Link.
Explore Payment PagesOne platform
Everything here runs on the same foundation.
- One API
- A single REST API, authenticated with API keys, across every Paynancial product.
- Safe retries
- Idempotency keys mean a retried request never charges, refunds or pays out twice.
- Real-time events
- Webhooks for payments, payouts, refunds and settlements as they happen.
- Governed automation
- Permissions, limits and human oversight for anything an agent or automated job does.
Compliance in India
The RBI and NPCI rules around Accept & Collect in India.
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
Payment Aggregator and Payment Gateway guidelines
RBI's framework for payment aggregators — businesses that collect payments on behalf of merchants — covering authorisation, merchant due diligence, how merchant funds are held and settled, and grievance handling.
Card-on-File tokenisation
Covers card-on-file tokenisation: a card saved for repeat payments is replaced by a token, created with the customer's consent, instead of the actual card number being stored.
E-mandates for recurring payments
Covers e-mandates for recurring payments on cards, UPI and prepaid instruments, including registration by the customer with additional authentication, a notification before each debit, and the option to withdraw the mandate.
UPI procedural guidelines and circulars
NPCI operates UPI and sets its rules for member banks, UPI apps and other participants through procedural guidelines and circulars, including transaction limits, dispute handling and security requirements.
Turn Around Time (TAT) for failed transactions
Covers the time within which failed digital transactions — for example, a customer debited without the merchant being credited — are expected to be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and compensation to the customer when that time is missed.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
FAQ
Accept & Collect questions.
What are the ways to accept payments with Paynancial?
At checkout with the Payment Gateway (cards, UPI, netbanking and wallets), without a website using Payment Links, and on a schedule or in bulk with Smart Collections.
Do I need a website to get paid?
No. Payment Links let you share a secure link by email, WhatsApp, SMS or on an invoice, and the customer pays on a secure payment page.
Can I collect recurring payments?
Yes. Smart Collections sets up a schedule for subscription or instalment payments, retries failed attempts and reconciles each collection automatically.
Do I need a separate integration for each product?
No. The Accept & Collect products share one REST API, the same webhooks and the same settlement records.
Talk to us about Accept & Collect.
Tell us what you need to build, and we will show you where to start.