---
title: Payment Methods
slug: payment-methods
excerpt: >-
  Explore all payment methods supported by Pine Labs Online payments — Cards,
  UPI, Net Banking, Wallets, EMI, BNPL, Pay By Points, and International
  Payments.
sidebar_order: 1
hidden: false
metadata:
  title: 'Payment Methods — Cards, UPI, Wallets, EMI, BNPL | Pine Labs'
  description: >-
    Complete guide to Pine Labs Online payment methods: Credit/Debit Cards, UPI
    (Collect/Intent), Net Banking, Wallets (Paytm, PhonePe, Google Pay), Pay By
    Points, BNPL (Buy Now Pay Later), EMI, and International Payments. Increase
    conversion with multiple payment options.
  keywords: >-
    payment methods India, UPI payments, card payments, netbanking, wallets,
    BNPL, EMI, international payments, Pine Labs payment options
  robots: index
sidebar_label: Overview
---

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.

<a rel="noopener noreferrer" class="!hidden lg:!inline-flex btn-light-green px-3.5 py-1.5 text-sm shadow-sm" href="https://plcorp.uat.pinelabs.com/doc/online-payments/payment-methods/add">Add payment methods</a>

<a rel="noopener noreferrer" class="!hidden lg:!inline-flex btn-light-green px-3.5 py-1.5 text-sm shadow-sm" href="https://plcorp.uat.pinelabs.com/doc/online-payments/payment-methods/manage">Manage payment methods</a>


---

## List of supported payment methods

| Payment method | Type | Customer action | Settlement | Popular use case |
|---|---|---|---|---|
| [Cards](/payment-methods/cards) | `CARD` | Enter card details + 3DS OTP | Immediate | E-commerce, subscriptions |
| [UPI](/payment-methods/upi) | `UPI` | Approve via UPI app (Collect/Intent) | Immediate | Mobile payments, small merchants |
| [Net Banking](/payment-methods/netbanking) | `NETBANKING` | Bank login + authorize | Immediate | High-value transactions |
| [Wallets](/payment-methods/wallet) | `WALLET` | Authenticate in wallet app | Immediate | Quick, low-value payments |
| [Pay By Points](/payment-methods/pay-by-points) | `POINTS` | Redeem reward points | Immediate | Customer loyalty programs |
| [BNPL](/payment-methods/buy-now-pay-later) | `PAY_LATER` | Account login + authorize | Delayed | Budget-friendly purchases |
| [International](/international-payments) | `CARD` | Enter card details + 3DS | Immediate | Cross-border payments |

---

## How payment methods work

```mermaid
sequenceDiagram
    participant M as Your Server
    participant PL as Pine Labs Online
    participant C as Customer
    participant PM as Payment Provider

    M->>PL: 1. Create Order
    PL-->>M: order_id
    M->>PL: 2. Create Payment (method-specific endpoint)
    PL-->>M: challenge_url
    M->>C: 3. Redirect to challenge_url
    C->>PM: 4. Authenticate (OTP/UPI PIN/Bank login)
    PM-->>PL: 5. Payment result
    PL->>M: 6. Webhook notification
    PL->>C: 7. Redirect to callback URL
```

Each payment method has its own Create Payment endpoint, authentication flow, and customer experience. The common pattern is:
1. Create an order
2. Create a payment with the method-specific endpoint
3. Redirect customer to `challenge_url`
4. Customer authenticates
5. 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](/payment-methods/cards) : 
> Accept Visa, Mastercard, and RuPay — credit, debit, and prepaid cards.

> [UPI](/payment-methods/upi) : 
> Accept UPI payments via Collect (VPA) or Intent (QR/deep link).

> [Net Banking](/payment-methods/netbanking) : 
> Accept payments from all major Indian banks.

> [Wallets](/payment-methods/wallet) : 
> Accept Paytm, PhonePe, Amazon Pay, and other digital wallets.

> [Pay By Points](/payment-methods/pay-by-points) : 
> Accept reward points as payment.

> [Add payment methods](/payment-methods/add) : 
> Enable new payment methods for your merchant account.

> [Manage payment methods](/payment-methods/manage) : 
> Configure, enable, or disable payment methods.

---

## FAQs <br /><br />


<details>
<summary><b>1. How do I enable payment methods for my account?</b></summary>

<br/>Payment methods are configured during onboarding. To add or change methods, use the [Pine Labs Dashboard](/dashboard/settings) or contact your account manager.

</details>

---

<details>
<summary><b>2. Can I offer different payment methods for different transactions?</b></summary>

<br/>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.

</details>

---

<details>
<summary><b>3. Do customers see all enabled payment methods?</b></summary>

<br/>With Hosted Checkout, yes — all enabled methods are displayed. With Custom Checkout, you control which methods appear based on your UI and business logic.

</details>

---

<details>
<summary><b>4. Are there any additional charges per payment method?</b></summary>

<br/>Processing fees vary by payment method. Contact Pine Labs sales for your specific pricing structure.

</details>

---