---
title: Payment Lifecycle
sidebar_label: Overview
slug: payment-lifecycle
excerpt: >-
  Understand the complete payment lifecycle — from customer creation and order
  management to payment processing, refunds, settlements, and transaction
  enquiry.
hidden: false
sidebar_order: 1
metadata:
  title: "Payment Lifecycle Overview — End-to-End Flow | Pine Labs Payments API"
  description: >-
    Complete payment lifecycle guide covering customer creation, order management, payment processing via cards/UPI/wallets/netbanking, refunds, settlements, and transaction enquiry.
  keywords: "payment lifecycle, payment flow, order management, payment processing, refund management, settlement cycle, transaction enquiry, payment API"
  robots: index
---
## Payments

Learn how you can use Pine Labs Online Payments to accept payments from your customers.

Payments refer to the transfer of money from one person to another person, in exchange for goods and services. Online payments are an essential aspect of commerce, ensuring that businesses receive compensation for their offerings and customers can complete the payments conveniently and securely.

To use Pine Labs Online Payment APIs as a prerequisite you are required to create an order.

Using Pine Labs Online Payment APIs you can accept payments using the below methods.

* `cards`,
* `upi`,
* `wallets`
* `netbanking`
* `emi`
* `pay later`
* `pay by points` and
* `international payments`

Pine Labs Online Payments APIs can be used for the following actions.

- [Create a Card Payment](/api/card-payments/create-payment)
- [Create a Refund](/api/refunds/create-refund)

In the create payment API response we return the `challenge_url` you need to use this URL to navigate your users to the checkout page.