Building a Connected Digital Payments Experience for Modern Businesses
PayU’s digital payments ecosystem brings payment acceptance, transaction management and business-oriented financial tools together for businesses across different sizes and use cases.
Accepting a payment is only one part of the financial workflow. Businesses also need to track status, monitor settlements, generate invoices, manage vendor payments and understand payment trends, often across websites, mobile apps and offline environments. We designed a platform that connects all of it into one ecosystem.
- Payment Gateway
- Payment Links & QR
- Settlements
- Invoicing
- Business Analytics
- Web · Mobile · APIs
More Than a Payment Gateway
Digital payments have become a fundamental part of how businesses operate. From online checkout and UPI transactions to payment links, invoices, settlements and business analytics, merchants need more than a payment gateway.
They need a connected financial technology platform that helps them accept payments, monitor transactions, manage business operations and make informed decisions, extended to a business mobile application that keeps merchants connected wherever they are.
Payments
150+ payment modes accepted through one gateway.
Collection
Payment links, QR codes and invoices without a full checkout.
Settlements
Visibility into funds from transaction to bank account.
Insights
Dashboards that turn payment data into business intelligence.
Support
24/7 chat, tickets and FAQs built into the experience.
Making Digital Payments Simpler for Businesses
For a modern business, accepting a payment is only one part of the financial workflow: the complexity grows further when operations span websites, mobile apps, social channels and offline environments.
- Tracking payment status and monitoring settlements
- Generating invoices and sharing payment requests
- Managing recurring collections and vendor payments
- Reviewing transaction information and payment trends
- Handling customer support across payment channels
- Managing multiple payment channels at once
- Simplify payment acceptance across digital methods
- Reduce integration complexity for different tech needs
- Give merchants visibility through dashboards and mobile
- Support businesses without complex technology
- Connect payments with broader business operations
- Build trust into every transaction
A Connected Digital Payments Platform
Instead of a traditional payment gateway, the platform combines payment acceptance, transaction management and business-oriented financial tools within a single ecosystem.
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01
Payment Gateway
Support for 150+ payment modes across cards, UPI, net banking, wallets and EMI, with hosted checkout, merchant-hosted checkout and SDK-based integration options for different technical needs.
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02
Multiple Payment Methods
Cards, UPI, net banking, wallets, EMI and QR-based payments in one merchant ecosystem, so businesses can offer flexibility without maintaining separate integrations for every method.
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03
No-Code Payment Collection
Payment links, payment buttons, invoices and QR-based collections shared through messaging, email and other channels: digital collection without building a complete checkout.
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04
Merchant Dashboard
Centralized visibility into transactions, payment status, settlements, business performance and reports, moving beyond simply accepting payments toward a clearer view of financial activity.
More Platform Capabilities
Beyond accepting a payment, these capabilities extend the platform into invoicing, settlements, vendor payments and recurring collection.
Mobile Payments Management
Payment tracking, settlements, invoices, vendor payments and business insights from the business mobile application.
Settlements
Standard and priority settlement options that connect transaction activity with business cash flow.
Invoicing
Customized, GST-compliant invoices connected directly to payment collection and transaction tracking.
Vendor Payments
Management of payments made to vendors and partners, alongside customer collections, in one ecosystem.
Recurring Payments
Subscription and recurring payment capabilities that reduce manual intervention in repeat collections.
Offers & Affordability
EMI, Buy Now Pay Later, offers and loyalty-oriented tools that create more flexible checkout experiences.
Extending the Platform Beyond Transactions
A payments platform earns trust through data, security and support just as much as through the checkout experience itself.
Business Analytics
Payment trends, dashboards and reporting that turn transaction data into business intelligence.
Credit & Repayment Management
Access to credit-related services and repayment visibility alongside everyday payment operations.
Online Merchant Onboarding
Account registration, business details and eKYC-related validation before production credentials are issued.
Developer Integration
API, SDK and plugin-based integration approaches that fit different application architectures.
Security & Trust
PCI-DSS compliant infrastructure with authentication, fraud prevention and data protection built in.
Customer Support
24/7 chat support, ticket tracking and FAQ access embedded into the merchant experience.
From Payment Acceptance to Business Growth
The platform connects multiple stages of the merchant payment lifecycle into one continuous cycle.
Onboard
Business information is submitted and the account is activated.
Integrate
The business connects payments to its website, app or channel.
Accept
Customers pay through supported payment methods.
Monitor
The merchant tracks transactions and payment status.
Settle
Funds move through the settlement lifecycle.
Analyze
Payment activity becomes business information.
Grow
Businesses leverage additional financial products as needs evolve.
A Control Layer Beyond the Desktop
The business mobile application extends the merchant lifecycle to wherever the business happens to be.
Check
Review payment activity.
Collect
Create payment links, QR codes or invoices.
Track
Monitor payments and settlements.
Manage
Review financial and vendor-related activity.
Understand
Access business insights and reports.
Get Support
Use chat, tickets and FAQs when needed.
A Multi-Layer Digital Payments Ecosystem
This architecture creates a connected platform rather than a standalone payment processor.
Customer Layer
Payment Layer
Transaction Layer
Merchant Layer
Financial Operations Layer
Intelligence Layer
The connection between merchant applications and payment services, chosen to fit the business and technical requirements at hand.
API-Based Processing
Direct API integration for businesses that want full control over the payment experience.
Mobile SDK Integration
SDK-based integration across iOS, Android and React Native application scenarios.
Hosted Checkout
A ready-made checkout experience for businesses that want a faster path to launch.
Merchant-Hosted Checkout
Checkout embedded within the merchant’s own website or application experience.
Low-Code Integration
Simplified integration paths for businesses without dedicated engineering teams.
Commerce Platform Plugins
Pre-built plugins for popular e-commerce and commerce platforms.
Every Capability, One Platform
More Than Payment Processing
The platform creates value across every participant in the payment lifecycle, from the smallest merchant to the growing digital business.
For Merchants
A centralized way to accept, track and manage payments.
For Digital Businesses
Integration options that fit into websites, mobile applications and commerce platforms.
For Small Businesses
No-code tools such as payment links, invoices and QR codes simplify payment collection.
For Growing Businesses
Settlements, recurring payments, analytics and financial services support evolving needs.
For Customers
A broader selection of payment methods makes checkout more flexible and convenient.
From Payment Gateway to Business Financial Platform
A traditional payment gateway answers one question: how can a business accept a payment? This platform answers a much broader set of questions.
Broad Payment Coverage
A wide range of payment methods available through a single payment ecosystem.
Multiple Integration Models
Businesses can select integration approaches based on their technical environment.
No-Code Collection
Payment links, QR codes and invoices without building a complete checkout from scratch.
Mobile Business Management
Merchants can manage important payment activities through the business mobile application.
Financial Visibility
Payment tracking, settlements, reporting and insights extend beyond basic processing.
Extensible Ecosystem
Subscriptions, affordability, offers, refunds and split settlements broaden the platform.
The Questions Modern Businesses Actually Ask
Modern businesses need answers to much broader questions than a traditional payment gateway was built to address.
- How do I collect payments?
- How do I track them?
- When will I receive the money?
- How do I invoice customers?
- How do I collect payments without a website?
- How do I manage recurring payments?
- How do I understand payment trends?
- How do I manage vendor payments?
At a Glance
The platform brings together payment acceptance, merchant management and financial operations into a single digital ecosystem. Businesses can choose how they collect payments, integrate payment capabilities into their applications, monitor transaction activity, manage settlements and access additional financial tools, while the mobile experience extends this beyond the desktop, evolving the platform from a transaction-processing layer into a business operating layer for digital financial activity.
Let’s Build Your Next Payments Platform.
A payment is only one moment in a much larger business journey. Tell us about the financial workflows you want to connect, and let’s explore how we can help.