Payment Methods
Explore all payment methods supported by Pine Labs Online payments — Cards, UPI, Net Banking, Wallets, EMI, BNPL, Pay By Points, and International Payments.
Explore all payment methods supported by Pine Labs Online and offer your customers the most convenient way to pay.
Pine Labs Online supports a comprehensive range of payment methods across India. Offering multiple payment methods increases conversion rates by letting customers pay the way they prefer — whether by card, UPI, bank transfer, wallet, or installments.
Add payment methods Manage payment methodsList of supported payment methods
| Payment method | Type | Customer action | Settlement | Popular use case |
|---|---|---|---|---|
| Cards | CARD | Enter card details + 3DS OTP | Immediate | E-commerce, subscriptions |
| UPI | UPI | Approve via UPI app (Collect/Intent) | Immediate | Mobile payments, small merchants |
| Net Banking | NETBANKING | Bank login + authorize | Immediate | High-value transactions |
| Wallets | WALLET | Authenticate in wallet app | Immediate | Quick, low-value payments |
| Pay By Points | POINTS | Redeem reward points | Immediate | Customer loyalty programs |
| BNPL | PAY_LATER | Account login + authorize | Delayed | Budget-friendly purchases |
| International | CARD | Enter card details + 3DS | Immediate | Cross-border payments |
How payment methods work
Each payment method has its own Create Payment endpoint, authentication flow, and customer experience. The common pattern is:
- Create an order
- Create a payment with the method-specific endpoint
- Redirect customer to
challenge_url - Customer authenticates
- Receive webhook notification
Choosing payment methods
| Consideration | Recommendation |
|---|---|
| Maximize conversions | Enable all methods — Cards, UPI, Net Banking, Wallets |
| Mobile-first audience | Prioritize UPI (Intent) and Wallets |
| High-value transactions | Enable EMI and Net Banking |
| Repeat customers | Enable Cards with tokenization for saved-card checkout |
| Budget-conscious buyers | Enable EMI and BNPL |
| International customers | Enable International Cards |
Payment method comparison
| Feature | Cards | UPI | Net Banking | Wallets | EMI |
|---|---|---|---|---|---|
| Authentication | 3DS OTP | UPI PIN | Bank login | Wallet login | OTP/Bank login |
| Pre-authorization | Yes | No | No | No | No |
| Tokenization | Yes (COFT) | No | No | No | No |
| Recurring | Yes | No | No | No | No |
| Refund timeline | 5-7 days | 1-3 days | 5-7 days | 1-2 days | 5-10 days |
| Min amount | ₹1 | ₹1 | ₹1 | ₹1 | Varies by plan |
Get started
Cards : Accept Visa, Mastercard, and RuPay — credit, debit, and prepaid cards.
UPI : Accept UPI payments via Collect (VPA) or Intent (QR/deep link).
Net Banking : Accept payments from all major Indian banks.
Wallets : Accept Paytm, PhonePe, Amazon Pay, and other digital wallets.
Pay By Points : Accept reward points as payment.
Add payment methods : Enable new payment methods for your merchant account.
Manage payment methods : Configure, enable, or disable payment methods.
FAQs
1. How do I enable payment methods for my account?
Payment methods are configured during onboarding. To add or change methods, use the Pine Labs Dashboard or contact your account manager.
2. Can I offer different payment methods for different transactions?
Yes. When using Custom Checkout or the seamless API, you control which payment methods are presented for each transaction. With Hosted Checkout, all enabled methods are shown automatically.
3. Do customers see all enabled payment methods?
With Hosted Checkout, yes — all enabled methods are displayed. With Custom Checkout, you control which methods appear based on your UI and business logic.
4. Are there any additional charges per payment method?
Processing fees vary by payment method. Contact Pine Labs sales for your specific pricing structure.