AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Solutions · RetailOne view of every sale, online and in store.
Sell through your website, your stores and your phone line, and reconcile every rupee in one place instead of one spreadsheet per channel.
- Payment Gateway
- Payment Links
- Payouts
- Payment Analytics
Paynancial helps retailers accept cards, UPI, netbanking and wallets online, take payment for phone and chat orders with payment links, and reconcile sales, refunds and settlements across channels in Payment Analytics.
How retail businesses collect and move money — and where it gets hard.
- Many channels, many reports
- Sales come from a website, stores and phone orders, and each channel produces its own records.
- Orders taken outside the checkout
- Customers order by phone or WhatsApp and need a safe way to pay.
- Refunds and exchanges
- Returns and exchanges must be traced back to the original sale, whichever channel it came from.
- Supplier payments
- Paying suppliers and staff is a separate, often manual, process.
From first payment to reconciled books.
How a typical retail payment flows through Paynancial.
- 01Customer buys
On your website, in store, or by phone or chat.
- 02Payment is taken
At checkout, or with a payment link for remote orders.
- 03Returns are handled
Refund in full or in part against the original payment.
- 04Suppliers are paid
Send payouts to suppliers by bank transfer or UPI.
- 05Sales are reconciled
See payments, refunds and settlements for every channel together.
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 |
|---|---|---|
| Sell online | Payment Gateway | Cards, UPI, netbanking and wallets at your checkout. |
| Take phone and chat orders | Payment Links | Send a link instead of taking card details over the phone. |
| Pay suppliers | Payouts | Single or bulk payouts with saved beneficiaries. |
| Reconcile every channel | Payment Analytics | Dashboards, reconciliation views and exportable reports. |
What it looks like in practice.
Illustrative examples of how retail businesses use Paynancial products.
- A retail chain
- Uses the Payment Gateway online and Payment Analytics to reconcile sales across every store.
- A boutique
- Sends payment links on WhatsApp for orders placed through social media.
- A distributor
- Pays suppliers in one bulk payout at the end of each week.
Practical things to get right.
- 01Tag each payment with its channel
Use a reference that identifies the store or channel so reports can be split by it.
- 02Refund to the original payment
Issuing refunds against the original payment keeps returns traceable.
- 03Schedule your reports
Have daily or weekly reports delivered automatically instead of exporting them by hand.
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.
Retail payments questions.
Can I take payment for an order placed on WhatsApp?
Yes. Send a payment link on WhatsApp, SMS or email; the customer pays from their phone.
Can I see sales from all my channels together?
Payment Analytics lets you filter and break down transactions by method, status and time period, and export reports.
Can I pay my suppliers through Paynancial?
Yes. Payouts sends funds to bank accounts or UPI IDs, individually or in bulk.
Can I refund part of a purchase?
Yes. Refunds can be full or partial.
Talk to us about retail payments.
Tell us how your business collects and pays out, and we will help you choose where to start.