FAQs
Getting Started
Settlements
Transaction & Refunds
Getting started with PAYMENTZ
How can I start using PAYMENTZ?
Sign up process is very simple,
Visit our website www.PAYMENTZ.in and click on ‘SignUp’ and enter the required details and click on ‘Create Account’.
Once you do the signup ,you can login to your backoffice where you can fill our online form under "Application Form" section.Here you need to provide your personal, business and bank details.You also need to upload all the required KYC docs.
Once application is submitted , our Team will contact you and will guide to start integration using our developer docs.
You can also design your checkout page from the iterface and see the preview before going live.
What are different Payment Solutions available?
Choose your training and register for free. If you are a freelancer, the courses are entirely taken care of, you have nothing to pay and no money to advance.
Which payment options can my customers use?
PAYMENTZ offers 100+ payment options including the major Credit Cards, Debit Cards (All MasterCard /Visa /Maestro /RuPay Cards), Amex, Net Banking, Prepaid Instruments, UPI and up to Multi Bank EMI options.
Business Requirements
I don't have a registered business. Can I still sign-up on PAYMENTZ?
Yes, you can still sign-up and collect payments with PAYMENTZ. Please select ‘Individuals’ as your business entity while filing the business details section.
Do I need a GST number ?
No, you can set up an account with us without the GST number.
Please note that you’ll not be able to get benefit on input credit on taxation of service charges till your GST number is not submitted with PAYMENTZ.
What PAN details are required?
If you are a registered firm, kindly enter details as mentioned on your company’s PAN Card. In case you are an Individual or Proprietorship, then please enter your personal PAN card details.
Can I submit my Savings account details incase I don't have current bank account?
Yes, in case you are an individual running a business, we do support Savings bank account type. For non-individual business types, you will have to enter Current bank account details.
Website Requirements
What are the requirements for a website verification?
Requirements for website are:
Home page should be updated with basic information like: About Us, T&Cs, Refund Policies etc.
Product or Services page should be present with information like description, image & price.
Website should have Add to Cart option and Checkout page functionality.
For verification, our compliance team will reach out to you.
What to do if I don't have a website?
You can sign-up with us and start collecting payments using our Payment Links or QR tool.You can generate payment links and share it via multiple platforms like Whatsapp, Facebook, SMS and Email using our web interface or you can also use our Invoizr app for the same. Your customers can pay using their preferred option: Debit Card, Credit Card, Netbanking, UPI and Wallet.
Document Requirements
What are the documents needed for sign-up?
We have different document requirements based on your business type. Please refer the this link for more details "KYC Documents List".
Where do I upload all the required documents?
You can share soft copies of the documents while filling the "Application Form" after logging in to PAYMENTZ's interface.
Settlements
What does settlement mean?
Settlement is the process where merchant receives the money paid by their customers through PAYMENTZ.
What is the settlement cycle that PAYMENTZ offers?
Our standard settlement cycle is T+2 working days, with T being the date of successful transaction.
This means that payments will be settled in your bank account after 2 working days of the date of transaction registered with us, excluding bank holidays.
Where can I see my settlement report or details?
You are find your settlement reports under report section on PAYMENTZ dashboard.
In the settlement report:
You will be able to see total settlement amount, total sales and total deductions (sum of service tax, service fees, refunds, chargebacks & adjustments)
Refunds & Chargebacks
Transactions
Where can I see the status of a transaction?
You can check the status of a transaction on PAYMENTZ dashboard:
Go to Transactions section on dashboard
Search or filter the transaction by date of transaction
Click on the transaction id for more details
Do customers automatically receive a message confirming that their payment has been done?
PAYMENTZ 's system sends an email message to the customer after an order has been paid.
But if merchant wants to send this message from their system and dont want PAYMENTZ to send the email- this is also possible.
Does PAYMENTZ system send confirmation message back to website after successful transaction?
PAYMENTZ platform always send confirmation on both the redirect URL and notification URL shared by the merchant.
PAYMENTZ shared the confirmation for both success and failed transactions.
Refunds
How do i initiate a refund?
You can initiate the refund from PAYMENTZ dashboard.Click on refund section and search for the transaction to be refunded.
Enter the amount to be refunded.
Refund amount will be reflected in customer's bank account in 5-21 working days.
How much time will it take for a refund to be processed?
It will take between 5 and 21 days for the refund amount to reflect in your customer’s bank account. In case of Netbanking transactions, certain government banks may take some more days.
My request for refund has not been completed yet. What do I do?
It will take between 5 and 21 days for the refund amount to reflect in your customer’s bank account.
In case of Netbanking transactions, certain government banks may take some more days.
You will be communicated over email with the status (successful or failed) once the request for refund is processed.
My request for refund failed. What do I do?
Choose your training and register for free. If you are a freelancer, the courses are entirely taken care of, you have nothing to pay and no money to advance.
Pricing
Account & Settings
Developer Support
Pricing
What is the transaction charge on PAYMENTZ?
Please refer our pricing section for details.
We only charge a service fee + GST on every transaction for various modes of payments such as debit cards, credit cards, netbanking, wallets, etc.
Calculation Example:
Lets assume that service fee (MDR) is 2%.
Customer pays you: ₹ 100 (Domestic transaction)
PAYMENTZ service fee: 2% of ₹ 100 = ₹ 2
GST: 18% of ₹ 2 = ₹ 0.36
Amount paid out to your bank account = Transaction Amount - Service Fee - GST = 100 - 2 - 0.36 = ₹ 97.64
Do I get charged if I suspend/resume PAYMENTZ account?
No, you won’t be charged if you stop/resume using your PAYMENTZ account.
Account & Settings
Developer Support
Payments
Refunds
Dispute
Payments
How can I check the status of my transaction if I have not received a confirmation mail?
For every successful transaction PAYMENTZ is sending the email to the customer.We are a payment aggregator and only facilitate the merchant with online payments. For status of the order, we suggest that you contact the merchant.
How do I check the status of my payment/order?
We are a payment aggregator and only facilitate the merchant with online payments. For status of the order, we suggest that you contact the merchant.
What should I do if I do not receive a payment confirmation email from PAYMENTZ?
You can raise a request with us using our ticketing system or you can send the request on our support email. With your request please provide your email id, screenshot of debit and transaction ID received from the merchant and we will get back to you at the earliest.
I do not recognize the transaction that I’ve been charged for. Can you help me?
Yes, we can. Please provide the below details by raising a request with us using our ticketing system or you can send the request on our support email and we will get back to you at the earliest:
1) A common email id you use for making online transactions
2) Amount and date of debit
3) Screenshot of the debit, in case it was a netbanking or wallet transaction
4) Last 4 digits of the card used, in case this was a card transaction.
I have done duplicate transactions towards the same order/service. How do I get a refund?
We are a payment aggregator and only facilitate the merchant with online payments.
We request you to contact the merchant with the transaction details for a refund.
Refunds
Why does it take so long for a refund to be credited to my account?
Refund process involved several factors and processes due to which sometimes it may take longer to get the refund credited in your account. We advise to wait for 10-12 working days for the refund to get credited.
How do I check the status of my refund ?
Once the merchant initiates the refund , a confirmation email is sent to your email ID ( the email ID that was used at the time of transaction).
This means that the refund is successful from our end. You may check the status of the refund on our order tracker.
What should I do if I do not receive a refund confirmation mail from PAYMENTZ?
If you have not received a confirmation, we suggest that you contact the merchant for further details, as the refunds are initiated from merchant's end.
I have not received my refund even after 10-12 working days. What should I do now?
Normally refunds are credited to you within 10-12 working days.In case you have not received your refund, you can raise your query using our ticketing system or you can send the request on our support email. With your request please provide your email id, refund amount and transaction ID received from the merchant and we will get back to you at the earliest.
Dispute
How do I open a dispute with a seller when a purchase goes wrong?
Customer support is our top most priority and it is our responsibility to guide our customers on the right and effective way to file disputes. We recommend our customers to have direct communication with the merchant to resolve issues pertaining to a specific order. If you do not get a satisfactory response or no response you can then raise a chargeback with your bank.These chargebacks will be raised with PAYMENTZ by your bank and we assist to amicably resolve the issue.
Fraud
Dispute Resolution
Order Cancellation
Fraud
How can I report potential fraud or unauthorized transactions to PAYMENTZ?
If you found any transaction that you didn’t authorize, kindly let us know asap. You can inform us using our ticketing system or you can send the request on our support email. With your request please provide your email id, amount of transaction and transaction ID received from the merchant and we will get back to you at the earliest.
Dispute Resolution
When should a customer file a complaint regarding the non-receipt of an order?
We suggest that you wait for 7-10 business days for physical goods and 1 business day for digital goods. In case you do not receive the services/goods even after the said time interval or if the items received are materially different, defective or damaged, then you should visit the merchant website and refer to the terms & conditions, shipping policy, refund policy and contact the merchant to resolve the issue.
In order to contact the merchant please visit the Merchant Website, Call on support number or send an email to the support email address of the merchant. While sending an email you should include following details:
Date of transaction
Amount of transaction
Order ID shared by the merchant
Payment ID shared by PAYMENTZ
Description of the problem
In case the merchant does not respond to your emails & phone calls within 3-5 working days then you can contact us to mediate and amicably resolve the issue."
What should I provide when filing a dispute to PAYMENTZ?
While filing the complian with us, you should briefly address the issue you have faced, and attach a screenshot of the email sent to the merchant in the initial stage. You are also required to provide us with the following details:
Date of transaction
Amount of transaction
PAYMENTZ Payments Transaction ID
Description of the problem
Details of email communication with the merchant( Screenshot of the communication)
Once a complaint is raised, the PAYMENTZ support team would take 3-5 working days to resolve the issue.
Order cancellation
Cancellation of Orders/Refunds/Returns
For any queries related to cancellation of order (full or partial), kindly contact your merchant.We are a payment aggregator and only facilitate the merchant with online payments.
We do not handle shipping or order dispatch and you should directly contact the merchant for queries regarding returns and follow instructions as as specified in the return & cancellation policy on the merchant website.
Payments
Refunds
Dispute
Payments
How can I check the status of my transaction if I have not received a confirmation mail?
For every successful transaction PAYMENTZ is sending the email to the customer.We are a payment aggregator and only facilitate the merchant with online payments. For status of the order, we suggest that you contact the merchant.
How do I check the status of my payment/order?
We are a payment aggregator and only facilitate the merchant with online payments. For status of the order, we suggest that you contact the merchant.
What should I do if I do not receive a payment confirmation email from PAYMENTZ?
You can raise a request with us using our ticketing system or you can send the request on our support email. With your request please provide your email id, screenshot of debit and transaction ID received from the merchant and we will get back to you at the earliest.
I do not recognize the transaction that I’ve been charged for. Can you help me?
Yes, we can. Please provide the below details by raising a request with us using our ticketing system or you can send the request on our support email and we will get back to you at the earliest:
1) A common email id you use for making online transactions
2) Amount and date of debit
3) Screenshot of the debit, in case it was a netbanking or wallet transaction
4) Last 4 digits of the card used, in case this was a card transaction.
I have done duplicate transactions towards the same order/service. How do I get a refund?
We are a payment aggregator and only facilitate the merchant with online payments.
We request you to contact the merchant with the transaction details for a refund.
Refunds
Why does it take so long for a refund to be credited to my account?
Refund process involved several factors and processes due to which sometimes it may take longer to get the refund credited in your account. We advise to wait for 10-12 working days for the refund to get credited.
How do I check the status of my refund ?
Once the merchant initiates the refund , a confirmation email is sent to your email ID ( the email ID that was used at the time of transaction).
This means that the refund is successful from our end. You may check the status of the refund on our order tracker.
What should I do if I do not receive a refund confirmation mail from PAYMENTZ?
If you have not received a confirmation, we suggest that you contact the merchant for further details, as the refunds are initiated from merchant's end.
I have not received my refund even after 10-12 working days. What should I do now?
Normally refunds are credited to you within 10-12 working days.In case you have not received your refund, you can raise your query using our ticketing system or you can send the request on our support email. With your request please provide your email id, refund amount and transaction ID received from the merchant and we will get back to you at the earliest.
Dispute
How do I open a dispute with a seller when a purchase goes wrong?
Customer support is our top most priority and it is our responsibility to guide our customers on the right and effective way to file disputes. We recommend our customers to have direct communication with the merchant to resolve issues pertaining to a specific order. If you do not get a satisfactory response or no response you can then raise a chargeback with your bank.These chargebacks will be raised with PAYMENTZ by your bank and we assist to amicably resolve the issue.
Fraud
Dispute Resolution
Order Cancellation
Fraud
How can I report potential fraud or unauthorized transactions to PAYMENTZ?
If you found any transaction that you didn’t authorize, kindly let us know asap. You can inform us using our ticketing system or you can send the request on our support email. With your request please provide your email id, amount of transaction and transaction ID received from the merchant and we will get back to you at the earliest.
Dispute Resolution
When should a customer file a complaint regarding the non-receipt of an order?
We suggest that you wait for 7-10 business days for physical goods and 1 business day for digital goods. In case you do not receive the services/goods even after the said time interval or if the items received are materially different, defective or damaged, then you should visit the merchant website and refer to the terms & conditions, shipping policy, refund policy and contact the merchant to resolve the issue.
In order to contact the merchant please visit the Merchant Website, Call on support number or send an email to the support email address of the merchant. While sending an email you should include following details:
Date of transaction
Amount of transaction
Order ID shared by the merchant
Payment ID shared by PAYMENTZ
Description of the problem
In case the merchant does not respond to your emails & phone calls within 3-5 working days then you can contact us to mediate and amicably resolve the issue."
What should I provide when filing a dispute to PAYMENTZ?
While filing the complian with us, you should briefly address the issue you have faced, and attach a screenshot of the email sent to the merchant in the initial stage. You are also required to provide us with the following details:
Date of transaction
Amount of transaction
PAYMENTZ Payments Transaction ID
Description of the problem
Details of email communication with the merchant( Screenshot of the communication)
Once a complaint is raised, the PAYMENTZ support team would take 3-5 working days to resolve the issue.
Order cancellation
Cancellation of Orders/Refunds/Returns
For any queries related to cancellation of order (full or partial), kindly contact your merchant.We are a payment aggregator and only facilitate the merchant with online payments.
We do not handle shipping or order dispatch and you should directly contact the merchant for queries regarding returns and follow instructions as as specified in the return & cancellation policy on the merchant website.
Pricing
What is the transaction charge on PAYMENTZ?
Please refer our pricing section for details.
We only charge a service fee + GST on every transaction for various modes of payments such as debit cards, credit cards, netbanking, wallets, etc.
Calculation Example:
Lets assume that service fee (MDR) is 2%.
Customer pays you: ₹ 100 (Domestic transaction)
PAYMENTZ service fee: 2% of ₹ 100 = ₹ 2
GST: 18% of ₹ 2 = ₹ 0.36
Amount paid out to your bank account = Transaction Amount - Service Fee - GST = 100 - 2 - 0.36 = ₹ 97.64
Do I get charged if I suspend/resume PAYMENTZ account?
No, you won’t be charged if you stop/resume using your PAYMENTZ account.
Getting started with PAYMENTZ
How can I start using PAYMENTZ?
Sign up process is very simple,
Visit our website www.PAYMENTZ.in and click on ‘SignUp’ and enter the required details and click on ‘Create Account’.
Once you do the signup ,you can login to your backoffice where you can fill our online form under "Application Form" section.Here you need to provide your personal, business and bank details.You also need to upload all the required KYC docs.
Once application is submitted , our Team will contact you and will guide to start integration using our developer docs.
You can also design your checkout page from the iterface and see the preview before going live.
What are different Payment Solutions available?
Choose your training and register for free. If you are a freelancer, the courses are entirely taken care of, you have nothing to pay and no money to advance.
Which payment options can my customers use?
PAYMENTZ offers 100+ payment options including the major Credit Cards, Debit Cards (All MasterCard /Visa /Maestro /RuPay Cards), Amex, Net Banking, Prepaid Instruments, UPI and up to Multi Bank EMI options.
Business Requirements
I don't have a registered business. Can I still sign-up on PAYMENTZ?
Yes, you can still sign-up and collect payments with PAYMENTZ. Please select ‘Individuals’ as your business entity while filing the business details section.
Do I need a GST number ?
No, you can set up an account with us without the GST number.
Please note that you’ll not be able to get benefit on input credit on taxation of service charges till your GST number is not submitted with PAYMENTZ.
What PAN details are required?
If you are a registered firm, kindly enter details as mentioned on your company’s PAN Card. In case you are an Individual or Proprietorship, then please enter your personal PAN card details.
Can I submit my Savings account details incase I don't have current bank account?
Yes, in case you are an individual running a business, we do support Savings bank account type. For non-individual business types, you will have to enter Current bank account details.
Website Requirements
What are the requirements for a website verification?
Requirements for website are:
Home page should be updated with basic information like: About Us, T&Cs, Refund Policies etc.
Product or Services page should be present with information like description, image & price.
Website should have Add to Cart option and Checkout page functionality.
For verification, our compliance team will reach out to you.
What to do if I don't have a website?
You can sign-up with us and start collecting payments using our Payment Links or QR tool.You can generate payment links and share it via multiple platforms like Whatsapp, Facebook, SMS and Email using our web interface or you can also use our Invoizr app for the same. Your customers can pay using their preferred option: Debit Card, Credit Card, Netbanking, UPI and Wallet.
Document Requirements
What are the documents needed for sign-up?
We have different document requirements based on your business type. Please refer the this link for more details "KYC Documents List".
Where do I upload all the required documents?
You can share soft copies of the documents while filling the "Application Form" after logging in to PAYMENTZ's interface.
Settlements
What does settlement mean?
Settlement is the process where merchant receives the money paid by their customers through PAYMENTZ.
What is the settlement cycle that PAYMENTZ offers?
Our standard settlement cycle is T+2 working days, with T being the date of successful transaction.
This means that payments will be settled in your bank account after 2 working days of the date of transaction registered with us, excluding bank holidays.
Where can I see my settlement report or details?
You are find your settlement reports under report section on PAYMENTZ dashboard.
In the settlement report:
You will be able to see total settlement amount, total sales and total deductions (sum of service tax, service fees, refunds, chargebacks & adjustments)
Account & Settings
One
Choose your training and register for free. If you are a freelancer, the courses are entirely taken care of, you have nothing to pay and no money to advance.
Two
Choose your training and register for free. If you are a freelancer, the courses are entirely taken care of, you have nothing to pay and no money to advance.
Three
Choose your training and register for free. If you are a freelancer, the courses are entirely taken care of, you have nothing to pay and no money to advance.
Four
Choose your training and register for free. If you are a freelancer, the courses are entirely taken care of, you have nothing to pay and no money to advance.
Refunds & Chargebacks
Transactions
Where can I see the status of a transaction?
You can check the status of a transaction on PAYMENTZ dashboard:
Go to Transactions section on dashboard
Search or filter the transaction by date of transaction
Click on the transaction id for more details
Do customers automatically receive a message confirming that their payment has been done?
PAYMENTZ 's system sends an email message to the customer after an order has been paid.
But if merchant wants to send this message from their system and dont want PAYMENTZ to send the email- this is also possible.
Does PAYMENTZ system send confirmation message back to website after successful transaction?
PAYMENTZ platform always send confirmation on both the redirect URL and notification URL shared by the merchant.
PAYMENTZ shared the confirmation for both success and failed transactions.
Refunds
How do i initiate a refund?
You can initiate the refund from PAYMENTZ dashboard.Click on refund section and search for the transaction to be refunded.
Enter the amount to be refunded.
Refund amount will be reflected in customer's bank account in 5-21 working days.
How much time will it take for a refund to be processed?
It will take between 5 and 21 days for the refund amount to reflect in your customer’s bank account. In case of Netbanking transactions, certain government banks may take some more days.
My request for refund has not been completed yet. What do I do?
It will take between 5 and 21 days for the refund amount to reflect in your customer’s bank account.
In case of Netbanking transactions, certain government banks may take some more days.
You will be communicated over email with the status (successful or failed) once the request for refund is processed.
My request for refund failed. What do I do?
Choose your training and register for free. If you are a freelancer, the courses are entirely taken care of, you have nothing to pay and no money to advance.
Sign up now and scale your business with PAYMENTZ
Contact Us if you need more information.
