Frequently Asked Questions

Payratna is a comprehensive digital payment platform that enables businesses and agents to transact securely and efficiently. We offer AEPS, mATM, CMS, Aadhaar Pay, vendor payments, and instant recharges. Our platform is designed to help businesses and retailers across India streamline their payment operations.

Creating an account is simple! Click the "Sign Up" button on our homepage, fill in your business details, verify your email address, and complete the KYC verification process. Once approved, you can start using our digital payment services. The entire process typically takes 24-48 hours for verification.

Payratna serves businesses across various industries including e-commerce, SaaS, digital services, education, healthcare, travel, and more. Whether you're a startup, small business, or large enterprise, our flexible solutions can be customized to meet your specific payment processing needs. We support both B2C and B2B payment scenarios.

We support a wide range of payment methods including credit and debit cards (Visa, Mastercard, American Express), digital wallets (Apple Pay, Google Pay, PayPal), bank transfers, UPI, net banking, and various local payment methods depending on your region. We're constantly adding new payment options to provide more flexibility to your customers.

Most payments are processed instantly in real-time. However, settlement times to your bank account vary depending on the payment method and your merchant agreement. Typically, funds are settled within 1-3 business days. You can view real-time transaction status and settlement schedules in your merchant dashboard.

Yes! Our platform includes robust subscription management features. You can set up recurring billing cycles (daily, weekly, monthly, annually), manage subscription plans, handle upgrades/downgrades, send payment reminders, and automatically retry failed payments. We also provide detailed subscription analytics and customer retention metrics.

Refunds can be processed directly from your merchant dashboard. Full or partial refunds are supported and typically reflect in the customer's account within 5-7 business days. For chargebacks, we provide comprehensive dispute management tools and evidence submission support. We also offer chargeback protection features to help minimize fraudulent disputes.

Absolutely. We use bank-level encryption (256-bit SSL/TLS) to protect all data transmissions. We are PCI DSS Level 1 certified, which is the highest level of security certification in the payments industry. Your sensitive payment information is tokenized and never stored on our servers. We also employ advanced fraud detection algorithms and real-time monitoring to prevent unauthorized transactions.

We employ multiple layers of fraud prevention including AI-powered risk analysis, 3D Secure authentication, velocity checks, geolocation verification, device fingerprinting, and behavioral analysis. Suspicious transactions are automatically flagged for review. Merchants can also set custom fraud rules and risk thresholds based on their specific needs.

We comply with all major regulatory standards including PCI DSS, GDPR, PSD2, SOC 2, and various regional financial regulations. We undergo regular security audits and penetration testing. Our compliance team stays updated with evolving regulations to ensure your business remains compliant when using our services.

Integration is straightforward! We offer multiple integration options including pre-built plugins for popular platforms (WordPress, Shopify, Magento), RESTful APIs with comprehensive documentation, mobile SDKs for iOS and Android, and hosted checkout pages. Most merchants can complete basic integration in under an hour. Our technical support team is available to assist with custom implementations.

Yes! We provide extensive developer documentation including API references, code samples in multiple programming languages (PHP, Python, Node.js, Java, Ruby), webhooks documentation, testing sandbox environment, and interactive API explorers. We also have video tutorials, integration guides, and an active developer community forum.

Absolutely! Every merchant account includes access to our sandbox testing environment where you can simulate transactions, test error scenarios, verify webhook integrations, and ensure everything works correctly before processing real payments. Test API keys and test card numbers are provided for comprehensive testing.

Our pricing is transparent and competitive. We charge a percentage-based transaction fee plus a small fixed fee per transaction. Rates vary depending on your transaction volume, business type, and payment methods used. There are no setup fees, no monthly minimums, and no hidden charges. Contact our sales team for a custom quote based on your specific needs.

No hidden fees! We believe in transparent pricing. All fees are clearly disclosed in your merchant agreement. Standard transaction fees, chargeback fees, and currency conversion fees (if applicable) are all outlined upfront. There are no surprise charges, annual fees, or contract termination penalties.

Yes! We offer competitive volume-based pricing for businesses with high transaction volumes. As your business grows and your processing volume increases, you may qualify for reduced rates. Our enterprise plans include dedicated account management, priority support, and customized pricing structures. Contact our sales team to discuss volume discounts.