---
title: Explore Pine Labs Online payment products
slug: payment-products
sidebar_label: Overview
excerpt: >-
  Discover the full suite of Pine Labs Online payment products — subscriptions,
  affordability suite, international payments, payouts, split settlements, and
  convenience fees — to power every business model.
sidebar_order: 1
hidden: false
metadata:
  title: Payment Products Overview — Full Product Suite | Pine Labs
  description: >-
    Comprehensive payment products including subscriptions with UPI AutoPay,
    affordability suite with EMI/BNPL, international payments, instant payouts,
    split settlements, and convenience fee recovery for all business models.
  keywords: >-
    payment products, subscriptions, affordability suite, international
    payments, payouts, split settlements, convenience fees, Pine Labs
  robots: index
---

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

<div className="not-prose card-grid-3">
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M20 12A8 8 0 1 1 17 6"/><path d="M20 4V10H14"/></svg>
    </div>
    <h4>Subscriptions</h4>
    <p>Automate recurring payments with UPI AutoPay mandates — fixed, variable, or on-demand billing.</p>
    <p><strong>Best for:</strong> SaaS, OTT, insurance, investment platforms</p>
    <a class="inline-flex btn-light-green px-3 py-1 text-xs shadow-sm mt-2" href="subscriptions">Learn More</a>
  </div>
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><rect x="2" y="5" width="20" height="14" rx="2"/><line x1="2" y1="10" x2="22" y2="10"/></svg>
    </div>
    <h4>Affordability Suite</h4>
    <p>Offer Credit EMI, Debit EMI, Cardless EMI, BNPL, and down payment options at checkout.</p>
    <p><strong>Best for:</strong> Electronics, furniture, high-ticket retail</p>
    <a class="inline-flex btn-light-green px-3 py-1 text-xs shadow-sm mt-2" href="affordability-suite">Learn More</a>
  </div>
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><circle cx="12" cy="12" r="10"/><path d="M2 12H22"/><path d="M12 2C14.5 4.5 16 8 16 12S14.5 19.5 12 22C9.5 19.5 8 16 8 12S9.5 4.5 12 2"/></svg>
    </div>
    <h4>International Payments</h4>
    <p>Accept cross-border card payments with DCC and MCC currency conversion.</p>
    <p><strong>Best for:</strong> Export businesses, travel, SaaS with global customers</p>
    <a class="inline-flex btn-light-green px-3 py-1 text-xs shadow-sm mt-2" href="international-payments">Learn More</a>
  </div>
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    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"/></svg>
    </div>
    <h4>Payouts</h4>
    <p>Disburse funds instantly via IMPS, NEFT, RTGS, or UPI — individual or bulk.</p>
    <p><strong>Best for:</strong> Marketplaces, gig platforms, lending</p>
    <a class="inline-flex btn-light-green px-3 py-1 text-xs shadow-sm mt-2" href="payouts">Learn More</a>
  </div>
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M16 3h5v5"/><path d="M8 3H3v5"/><path d="M12 22v-6"/><path d="M21 3l-9 9"/><path d="M3 3l9 9"/></svg>
    </div>
    <h4>Split Settlements</h4>
    <p>Automatically distribute a single payment across multiple merchants or partners.</p>
    <p><strong>Best for:</strong> Marketplaces, aggregators, franchise businesses</p>
    <a class="inline-flex btn-light-green px-3 py-1 text-xs shadow-sm mt-2" href="split-settlements">Learn More</a>
  </div>
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M14.5 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7.5L14.5 2z"/><path d="M14 2v6h6"/><path d="M12 18v-6"/><path d="M9.5 15.5h5"/></svg>
    </div>
    <h4>Convenience Fees</h4>
    <p>Pass processing costs to customers as a configurable surcharge.</p>
    <p><strong>Best for:</strong> Utilities, government, education portals</p>
    <a class="inline-flex btn-light-green px-3 py-1 text-xs shadow-sm mt-2" href="convenience-fees">Learn More</a>
  </div>
</div>

---

## How products connect to the payment lifecycle

```mermaid
flowchart LR
    A[Customer] --> B[Create Order]
    B --> C{Payment Product}
    C --> D[Subscriptions]
    C --> E[Affordability Suite]
    C --> F[International Payments]
    C --> G[Standard Payment]
    D --> H[Mandate Registration]
    E --> I[Offer Discovery → EMI Payment]
    F --> J[DCC / MCC Conversion]
    G --> K[Payment Processing]
    H --> L[Auto-Debit / Presentation]
    I --> K
    J --> K
    K --> M{Post-Payment}
    L --> M
    M --> N[Settlement]
    M --> O[Split Settlement]
    M --> P[Payout]
    M --> Q[Convenience Fee Recovery]
```

---

## Quick start by product

<div className="not-prose card-grid-2">
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M20 12A8 8 0 1 1 17 6"/><path d="M20 4V10H14"/></svg>
    </div>
    <h4>Subscriptions</h4>
    <p>Collect monthly/yearly payments automatically</p>
    <ol>
      <li><a href="api/subscriptions-plans/create-plan">Create a plan</a> — Define billing frequency, amount, duration</li>
      <li><a href="api/subscriptions-subscriptions/create-subscription">Create a subscription</a> — Link customer to plan, register mandate</li>
      <li><a href="api/subscriptions-presentations">Handle presentations</a> — Auto-debit or merchant-controlled debits</li>
    </ol>
  </div>
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><rect x="2" y="5" width="20" height="14" rx="2"/><line x1="2" y1="10" x2="22" y2="10"/></svg>
    </div>
    <h4>Affordability Suite</h4>
    <p>Let customers pay in EMI installments</p>
    <ol>
      <li><a href="api/affordability-suite/create-offer-discovery">Discover offers</a> — Check available EMI tenures for card/amount</li>
      <li><a href="api/affordability-suite/offer-validation-create">Validate offer</a> — Confirm tenure and interest details</li>
      <li><a href="api/affordability-suite/create-payment">Create EMI payment</a> — Process the EMI transaction</li>
    </ol>
  </div>
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><circle cx="12" cy="12" r="10"/><path d="M2 12H22"/><path d="M12 2C14.5 4.5 16 8 16 12S14.5 19.5 12 22C9.5 19.5 8 16 8 12S9.5 4.5 12 2"/></svg>
    </div>
    <h4>International Payments</h4>
    <p>Accept payments from international cards</p>
    <ol>
      <li><a href="api/orders/create-order">Create order</a> — Include currency parameters for DCC/MCC</li>
      <li><a href="api/card-payments/create-payment">Create payment</a> — Process cross-border card payment</li>
      <li><a href="api/international-payments/compute-tcs">Copute TCS</a> — Computes Tax Collected at Source (TCS) </li>
    </ol>
  </div>
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"/></svg>
    </div>
    <h4>Payouts</h4>
    <p>Send money to vendors or customers</p>
    <ol>
      <li><a href="api/payouts/create-payout">Create payout</a> — Initiate via IMPS, NEFT, RTGS, or UPI</li>
      <li><a href="api/payouts/list-payouts">Get payout status</a> — Track payout by ID</li>
      <li><a href="api/payouts/cancel-scheduled-payout">Cancel payout</a> — Cancels a scheduled payout</li>
    </ol>
  </div>
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M16 3h5v5"/><path d="M8 3H3v5"/><path d="M12 22v-6"/><path d="M21 3l-9 9"/><path d="M3 3l9 9"/></svg>
    </div>
    <h4>Split Settlements</h4>
    <p>Split a payment across multiple parties</p>
    <ol>
      <li><a href="api/orders/create-order">Create order</a> — Include split configuration</li>
      <li><a href="api/split-settlements/release-settlement">Configure split</a> — Define merchant shares and rules</li>
      <li><a href="api/split-settlements/cancel-settlement"> Cancels split settlement </a>- Cancels for a specific order</li>
    </ol>
  </div>
  <div className="card-grid-item">
    <div className="inline-flex items-center justify-center w-10 h-10 rounded-lg bg-[#D0F6E5]/60 mb-3">
      <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="#003434" strokeWidth="1.8"><path d="M14.5 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7.5L14.5 2z"/><path d="M14 2v6h6"/><path d="M12 18v-6"/><path d="M9.5 15.5h5"/></svg>
    </div>
    <h4>Convenience Fees</h4>
    <p>Recover gateway processing costs from customers</p>
    <ol>
      <li><a href="api/convenience-fee">Calculate convenience fee</a> — Get fee amount for transaction</li>
      <li><a href="api/orders/create-order">Create order</a> — Include fee in payment amount</li>
      <li>Display surcharge to customer at checkout</li>
    </ol>
  </div>
</div>

---

## FAQs

<details>
<summary>Can I use multiple payment products together?</summary>

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.
</details>

<details>
<summary>Do all products use the same API authentication?</summary>

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.
</details>

<details>
<summary>Which products require special activation?</summary>

Subscriptions, Split Settlements, International Payments, and Convenience Fees require activation by the Pine Labs integration team. Contact [support](mailto:pgsupport@pinelabs.com) or your account manager to enable these features on your merchant ID.
</details>

---