Pine Labs Online offers a comprehensive suite of payment products designed for every business model — from SaaS platforms collecting recurring revenue to e-commerce marketplaces splitting payments across multiple sellers.

Each product integrates seamlessly with the core payment lifecycle and checkout options. Choose based on your business need:

Product Catalog

Subscriptions

Automate recurring payments with UPI AutoPay mandates — fixed, variable, or on-demand billing.

Best for: SaaS, OTT, insurance, investment platforms

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Affordability Suite

Offer Credit EMI, Debit EMI, Cardless EMI, BNPL, and down payment options at checkout.

Best for: Electronics, furniture, high-ticket retail

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International Payments

Accept cross-border card payments with DCC and MCC currency conversion.

Best for: Export businesses, travel, SaaS with global customers

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Payouts

Disburse funds instantly via IMPS, NEFT, RTGS, or UPI — individual or bulk.

Best for: Marketplaces, gig platforms, lending

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Split Settlements

Automatically distribute a single payment across multiple merchants or partners.

Best for: Marketplaces, aggregators, franchise businesses

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Convenience Fees

Pass processing costs to customers as a configurable surcharge.

Best for: Utilities, government, education portals

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How products connect to the payment lifecycle

Quick start by product

Subscriptions

Collect monthly/yearly payments automatically

Create a plan — Define billing frequency, amount, duration
Create a subscription — Link customer to plan, register mandate
Handle presentations — Auto-debit or merchant-controlled debits

Affordability Suite

Let customers pay in EMI installments

Discover offers — Check available EMI tenures for card/amount
Validate offer — Confirm tenure and interest details
Create EMI payment — Process the EMI transaction

International Payments

Accept payments from international cards

Create order — Include currency parameters for DCC/MCC
Create payment — Process cross-border card payment
Copute TCS — Computes Tax Collected at Source (TCS)

Payouts

Send money to vendors or customers

Create payout — Initiate via IMPS, NEFT, RTGS, or UPI
Get payout status — Track payout by ID
Cancel payout — Cancels a scheduled payout

Split Settlements

Split a payment across multiple parties

Create order — Include split configuration
Configure split — Define merchant shares and rules
Cancels split settlement - Cancels for a specific order

Convenience Fees

Recover gateway processing costs from customers

Calculate convenience fee — Get fee amount for transaction
Create order — Include fee in payment amount
Display surcharge to customer at checkout

FAQs

Can I use multiple payment products together?

Yes. For example, you can accept an EMI payment (Affordability Suite) on an order that uses split settlements to distribute funds across vendors — and charge a convenience fee on top. Each product works independently but composes with the core order-payment lifecycle.

Do all products use the same API authentication?

Yes. All Pine Labs Online APIs use the same Generate Token API for authentication. Generate an access token with your client_id and client_secret, then pass it as a Bearer token in the Authorization header.

Which products require special activation?

Subscriptions, Split Settlements, International Payments, and Convenience Fees require activation by the Pine Labs integration team. Contact support or your account manager to enable these features on your merchant ID.