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Solutions · E-CommerceCheckout that converts, refunds that reconcile.
Accept the payment methods your customers already use, handle returns without spreadsheet work, and see exactly which orders have settled.
- Payment Gateway
- Payment Links
- Payment Analytics
Paynancial gives online stores one integration for cards, UPI, netbanking and wallets at checkout, full and partial refunds from the dashboard or API, and settlement reporting that ties every order to the money that arrived for it.
How e-commerce businesses collect and move money — and where it gets hard.
- Abandoned checkouts
- A customer who cannot pay the way they prefer, or who hits a slow or confusing payment step, often leaves without completing the order.
- Returns and partial refunds
- Returns rarely map to whole orders. Refunding one item of three, or a shipping charge, has to be traceable back to the original payment.
- Matching orders to settlements
- Settlements arrive in batches, net of refunds. Working out which orders a deposit covers is slow when it is done by hand.
- Failed payments at peak times
- During a sale, a failed payment is a lost order unless the store can see why it failed and let the customer try again.
From first payment to reconciled books.
How a typical e-commerce payment flows through Paynancial.
- 01Customer checks out
The shopper picks a payment method on your hosted or custom checkout.
- 02Payment is authorised
Paynancial routes the transaction and returns a real-time status.
- 03Order is confirmed
A webhook tells your store the payment succeeded, so fulfilment starts straight away.
- 04Returns are refunded
Issue a full or partial refund against the original payment.
- 05Books are reconciled
Settlement reporting shows which orders and refunds each settlement covers.
The Paynancial products that fit.
Each need maps to a product you can start with on its own and add to later.
| You need to… | Product | How it helps |
|---|---|---|
| Accept payments at checkout | Payment Gateway | One integration for cards, UPI, netbanking and wallets, hosted or custom. |
| Refund returns and cancellations | Payment Gateway | Full or partial refunds from the dashboard or API. |
| Collect for orders placed by phone or chat | Payment Links | Send a payment link instead of taking card details over the phone. |
| Understand conversion and settlements | Payment Analytics | Break down transactions by method and status; match payments to settlements. |
What it looks like in practice.
Illustrative examples of how e-commerce businesses use Paynancial products.
- A direct-to-consumer brand
- Uses the Payment Gateway on its own storefront and Payment Analytics to see conversion by payment method.
- A store that sells on social media
- Sends Payment Links in chat for orders taken in direct messages, with no checkout page required.
- A seller with frequent returns
- Issues partial refunds per item and reconciles refunds against settlements in one view.
Practical things to get right.
- 01Offer the methods your customers use
Cards, UPI, netbanking and wallets cover most online shoppers in India. Show them clearly at checkout.
- 02Confirm orders by webhook
Rely on the payment webhook, not the customer returning to your site, to mark an order as paid.
- 03Make retries idempotent
Send an idempotency key with every payment and refund so a retried request never charges or refunds twice.
Built on the same API as every Paynancial product.
One REST API, idempotent requests and real-time webhooks — test it all in the sandbox before going live.
- Integration Guide — from sandbox key to first live payment.
- API Reference — resources, conventions and errors.
- Sandbox — test without touching live payments.
- Security & Compliance — how Paynancial approaches security.
E-Commerce payments questions.
Which payment methods can an online store accept with Paynancial?
Cards, UPI, netbanking and wallets, through a single integration.
Can I use my own checkout design?
Yes. Use the hosted checkout page, or build your own interface on top of the API.
Can I refund part of an order?
Yes. Refunds can be full or partial and are issued from the dashboard or the API.
How do I know which orders a settlement covers?
Every transaction is tied to a settlement record, and Payment Analytics shows payments, refunds and settlements side by side.
Talk to us about e-commerce payments.
Tell us how your business collects and pays out, and we will help you choose where to start.