Question 1

What is a payment gateway?

Accepted Answer

A payment gateway is a technology solution businesses can use to accept payments digitally. It can be integrated into web or mobile platforms to enable transactions via one or more payment modes, such as UPI, credit or debit cards, and net banking. When a customer makes a payment, the payment gateway securely handles sensitive data like card or UPI details, verifies the payment, checks fund availability, and facilitates the transfer of funds from the customer’s account to the merchant’s account. The customer then receives a confirmation of whether the payment was successful or declined.

Question 2

What are PayU payment gateway charges?

Accepted Answer

PayU does not charge any setup or maintenance fees for its payment gateway. To know the exact pricing breakup for each payment mode, please refer to the PayU pricing page.

Question 3

Why choose PayU Payment Gateway?

Accepted Answer

PayU is one of the leading online payment gateways in India and has empowered over 5 lakh businesses. It enables businesses to collect digital payments across 150+ payment methods including credit cards, debit cards, net banking, EMIs, BNPL, QR, UPI, wallets, and more. PayU has direct integrations with major banks and networks, offers high transaction success rates, and is PCI-DSS compliant for secure transactions.

Question 4

Does PayU payment gateway support international payments?

Accepted Answer

Yes, PayU enables businesses in India to accept international payments via Visa, MasterCard, and AmEx across 150+ countries. It supports multiple international currencies including USD, EUR, GBP, AUD, AED, SGD, BHD, NZD, and more.

Question 5

In what ways can you accept digital payments through the PayU payment gateway?

Accepted Answer

With PayU, businesses can collect payments through 150+ online payment modes including credit cards, debit cards, net banking, EMIs, BNPL, Bharat QR, UPI, and wallets. Popular payment collection methods include payment links shared via SMS or messaging apps, payment buttons for websites or blogs, GST-compliant payment invoices, and a recurring payments suite for subscription-based businesses.

Question 6

What is the settlement cycle of the PayU payment gateway?

Accepted Answer

PayU offers two settlement options. T+2 settlements are completed two days after the transaction date. Priority settlements allow instant settlement to help maintain steady cash flow.

Question 7

Does PayU PG support vernacular or multi-lingual checkout?

Accepted Answer

Yes, PayU offers a multilingual checkout experience through Checkout for Bharat, helping businesses expand their reach in tier 2 and tier 3 cities.

Question 8

What platforms does the PayU payment gateway support?

Accepted Answer

PayU supports iOS, Android, and React Native platforms. It also provides integrations for cURL, Python, PHP, Node.js, Ruby, Java, and Go.

Question 9

How to integrate the PayU payment gateway on a website or mobile app?

Accepted Answer

PayU can be integrated using APIs for websites, SDKs for mobile applications, and plugins for platforms such as WooCommerce, Shopify, BigCommerce, and Shopmatic. Detailed integration steps are available in the PayU developer guide.

Question 10

How to set up PayU payment gateway for your business?

Accepted Answer

PayU offers 100% online onboarding for merchants. The setup involves signing up on PayU, sharing basic business details, completing KYC, activating the account, and integrating the payment gateway on your website or app.

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