Settle eligible payments to your bank on agreed terms
Move eligible payment proceeds to your bank account under the settlement terms agreed for your merchant profile. This instant settlement payment gateway gives Indian operators a clear view of payment status, settlement eligibility, and bank credit without implying that every captured payment is immediately available.
Share your business, receiving account, and expected payment details to begin the merchant review.
Why merchants choose this settlement flow
Bank routing checks help operators catch incorrect receiving account details before requesting settlement.
Approval gates prevent a merchant from treating every captured payment as available money.
Settlement records distinguish payment proceeds that are eligible, initiated, completed, held, or failed, so operators know whether to wait or investigate. Payment and settlement references support reconciliation against credits shown in the receiving bank account.
Named operational contacts give the merchant a route for reporting a settlement mismatch with the relevant payment and bank references.
Core capabilities
Eligibility controls identify which captured payment can enter instant settlement and which must remain on its normal settlement cycle.
Settlement tracking records request, processing, completion, hold, and failure states.
This matters when the dashboard status and bank credit do not match.
Bank account validation reduces avoidable routing errors before a merchant requests an on-demand settlement.
Reconciliation references connect each payment settlement entry with its related online payment records, helping operators investigate missing or partial amounts.
Access controls limit who may submit, review, or reconcile a request. This matters when payment responsibilities are split across commercial and operational roles.
Exception handling flags ineligible payment records, incomplete bank details, and unresolved reversals before the instant settlement payment gateway sends an eligible amount onward.
How it works
Accept a customer payment through the configured digital payment method and record the transaction reference.
Wait for the payment process to confirm that the transaction meets the agreed eligibility conditions.
A pending, failed, reversed, or disputed transaction does not move forward.
Review the available settlement amount, receiving bank account, applicable approval gate, and any unresolved exception before submitting the request.
Authorize the settlement request through the permitted merchant role. The payment gateway records its status and the references needed for later reconciliation.
Compare the completed settlement entry with the bank credit and underlying payment records. Escalate a missing credit using the request, transaction, and bank references rather than submitting the same request again.
Use cases
Teams separating request and approval duties can use it when account permissions match their internal controls.
Indian merchants with approved eligible transactions can use the offer when earlier access to money supports supplier, inventory, or operating commitments. Businesses with frequent payment volumes may use it when staff can check settlement status and reconcile each bank credit without relying only on a dashboard balance.
Merchants accepting international payments should proceed only if those transactions are explicitly eligible under their agreed settlement terms.
Do not use the offer as a substitute for working capital, guaranteed same-day settlement, or unrestricted access to every payment.
Skip it if unresolved reversals, incorrect bank details, or unclear approval ownership prevent reliable reconciliation.
Start accepting settlements
Prepare your legal business details, expected payment profile, intended bank account, and the names of staff who will request or approve settlement. Eligibility and commercial terms must be reviewed before activation.
Check the agreed settlement cycle, supported payment scope, request controls, reconciliation records, and treatment of reversals or disputes. No bank credit should be assumed until it appears in the receiving account.
Submit your merchant details to begin the assessment and receive the next applicable setup action.
Questions before you integrate
Does instant mean every payment settles immediately?
No. Instant settlement applies only to eligible payment proceeds under agreed terms. Transaction status, approvals, holds, disputes, bank availability, and account checks may stop a request.
How do I confirm that settlement works?
Match the completed settlement record, its payment references, and the credited amount in your bank account. A dashboard status alone does not prove bank credit.
Which payment methods are eligible?
Eligibility depends on the supported methods and your merchant terms. Confirm whether cards, Unified Payments Interface transactions, or other methods qualify before activation.
Can I request same-day settlement?
Only where your agreed terms permit it and the payment is eligible. Same-day settlement is not a promise that every request reaches the bank on that day.
What happens if a customer payment is reversed?
The reversed amount may be excluded, held, or handled under the agreed adjustment rules. Check the related transaction before requesting more money.
What should I test before going live?
Test successful payment handling, rejected requests, permission controls, settlement records, bank credit matching, and escalation contacts. Also confirm how the payment gateway handles missing or delayed credit.