West Bengal OBPAS HELP DESK

Payment Modes

This page describes the various payment modes supported by PayUmoney. Some of these payment modes like debit card, net banking are by default available to all the PayUmoney merchants while to avail a few other payment options, you will have to contact the PayUmoney merchant support team. The details of these are discussed in detail in the following sections.

Debit Card

PayUmoney accepts all debit cards that are available in India. The following card schemes of any bank are available to your customers on the checkout page immediately after you sign up with us as a merchant.


• Visa
• MasterCard
• Rupay
• Maestro

We also support international debit cards. Please contact your PayU relationship manager or our support team to enable international transactions.

Net Banking

PayUmoney supports 50 online banking options available in India. These Net Banking options are listed below:


• Kotak Mahindra Bank
• Andhra Bank
• Airtel Payments Bank
• AXIS Bank NetBanking
• The Bharat Co-op. Bank Ltd
• Bank of India
• Bank of Maharashtra
• Canara Bank
• Central Bank Of India
• Citibank Netbanking
• Punjab National Bank – Corporate Banking
• Corporation Bank
• Catholic Syrian Bank
• Cosmos Bank
• City Union Bank
• DCB Bank
• Dena Bank
• Dhanlaxmi Bank
• Deutsche Bank
• Federal Bank
• HDFC Bank
• ICICI Netbanking
• IDBI Bank
• IDFC Netbanking
• Indian Bank
• IndusInd Bank
• Indian Overseas Bank
• Jammu and Kashmir Bank
• Janata Sahakari Bank Pune
• Karnataka Bank
• Karur Vysya – Retail Netbanking
• Karur Vysya – Corporate Netbanking
• Lakshmi Vilas Bank – Corporate Netbanking
• Lakshmi Vilas Bank – Retail Netbanking
• Oriental Bank of Commerce
• Punjab And Maharashtra Co-operative Bank Limited
• Punjab National Bank – Retail Banking
• Punjab And Sind Bank
• State Bank of India
• South Indian Bank
• Saraswat Bank
• Shamrao Vithal Co-operative Bank Ltd.
• Syndicate Bank
• The Nainital Bank
• Tamilnad Mercantile Bank
• Union Bank – Retail Netbanking
• Union Bank – Corporate Netbanking
• UCO Bank
• United Bank Of India
• Vijaya Bank
• Yes Bank

UPI

UPI or Unified Payment Interface is a new mobile first payment mode for making payments to friends or businesses. This is launched by National Payments Corporation of India (NPCI) and regulated by RBI.

UPI is built over Immediate Payment Service (IMPS) for transferring funds using Virtual Payment Address(VPA). VPA is a unique ID provided by the bank to a customer. A customer requires an MPIN (Mobile banking Personal Identification number) to confirm each payment.

PayUmoney, through its checkout pages, allows your customers to Pay to you using UPI as a payment method on our checkout pages. This does not require any extra integration changes at your end.

Request you to check the following points before initiating payment for Online Building Plan

  1. Kindly check whether the card is enabled for E Commerce Transactions
  2. Please ensure card has been used at least once in the last twelve months for Online /E Commerce payments
  3. Check the Daily Card Limit for online transactions, third party limit & ensure third party fund transfer facility is enabled
  4. Please put valid CVV , correct pin , correct expiry date of the card
  5. Ensure sufficient balance in the account before initiating payment
  6. Citizens desiring to opt Net Banking for making payment : Ensure the option is enabled

Note : Do not use the cancel , refresh or back option while the payment is in progress

In case of Payment Failure-

If a transaction status is Failed even after reconciliation process between UDMA, Payment Gateway and Issuing Bank, but payer account is debited then payer will receive the refund from his/her bank. In case of any delay, payer will have to approach his/her bank for the refund. In Failed transaction case there is no dependency at Payment Gateway end or department end. The refund is handled by payer's concerned bank (Issuing bank).