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The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard for organizations that handle branded credit cards from major card schemes.The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council. The standard was created to increase controls around cardholder data to reduce credit card fraud.Cashfree is PCI DSS compliant. The certificate can be accessed here.While PCI DSS compliance is a pre-requisite for payment acceptance, we have gone a step further and incorporated a very robust Risk Management System developed with help from PayPal.
Cashfree Payment Gateway supports multiple payment methods, giving greater flexibility to your customers to complete payments using the payment method of their choice.Supported Payment Methods
  • Credit/Debit Card/Prepaid
  • UPI
  • Netbanking
  • Wallets
  • PayPal
  • EMI
  • Pay Later
Customise Payment Methods With Cashfree Payment Gateway, you can choose to display only the payment methods relevant to your business.
Fill out the Support Form to add or remove any payment methods.
Click here to see all the currencies supported.Payment Response You will receive responses for every payment made by your customers. These details can be viewed in the dashboard against each transaction.
Click here to view all possible payment response statuses.Payment Modes Below is a detailed list of all supported payment modes and their respective codes:
CodeDescription
DEBIT_CARDDebit Card
CREDIT_CARDCredit Card
PREPAID_CARDPrepaid Card
CREDIT_CARD_EMICredit Card EMI
NET_BANKINGInternet Banking
UPIUPI
PayPalPayPal
PhonePePhonePe
PaytmPaytm
AmazonPayAmazon Pay
AIRTEL_MONEYAirtel Money Wallet
FreeChargeFreecharge Wallet
MobiKwikMobiKwik Wallet
OLAOla Wallet
JioMoneyJioMoney Wallet
ZestMoneyZestMoney
InstacredInstacred
LazyPayLazyPay
OlaPostpaidOla Postpaid
There are various states that the payment goes through. The various states help you understand the status of the payment made by your customers.
  • SUCCESS
  • FAILED
  • PENDING
  • CANCELLED
  • FLAGGED
  • INCOMPLETE
  • VOID
  • USER_DROPPED

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Payment Response Status

Cashfree send responses against the payments made by your customers. The response against these payments made could contain one of the following statuses.
CaseEvent NameEvent Status
Successful PaymentPAYMENT_RESPONSESUCCESS
Payment FailedPAYMENT_RESPONSEFAILED
Pending PaymentPAYMENT_RESPONSEPENDING
Payment cancelled by the userPAYMENT_RESPONSECANCELLED
Payment successful but kept on hold by risk systemPAYMENT_RESPONSEFLAGGED
Transactions are marked as Incomplete, which later changes to other states based on the responses from other entities.PAYMENT_RESPONSEINCOMPLETE
When we do not want to capture the transaction amount (pre-authorized transactions).PAYMENT_RESPONSEVOID
When customers drop out of the payment flow without completing the transaction.PAYMENT_RESPONSEUSER_DROPPED
Invalid inputsVALIDATION_ERROR
A seamless checkout is key to customer trust. Redirects and pop-ups? They create confusion and hurt conversions. Big brands offer smooth payments, but not everyone has their resources.
That’s where Cashfree comes in! We provide easy integrations for a fast, hassle-free checkout—built for businesses of all sizes. Cashfree offers a seamless checkout experience with:No Redirects – Customer experiences checkout flow on your website without navigating to any third-party pageCustom UI – You own the look and feel of the checkout flow or you can also use our ready-made beautiful UI componentsOne-Click Checkout – Enable fast, hassle-free payments with a single click.Sign-Up to see our payment gateway in action!
Businesses accepting payments via cards may face a situation where a chargeback request is raised for a refund to the customer. What is a chargeback? A chargeback is a request for the return of funds to a consumer, initiated by the consumer’s card-issuing bank. It serves as a form of consumer protection against fraudulent activities committed by both merchants and individuals.
Note: It is best to avoid chargebacks as banks and card networks can label your business as high-risk. A high number of chargebacks may lead to banks holding remittances or banning your business’s online payment services.
Key Parties Involved in a Chargeback
  • Cardholder: The owner of the card involved in the transaction.
  • Merchant: The party who sold the goods or services being disputed.
  • Issuer: The bank that issued the card to the cardholder.
  • Acquirer: The bank tasked with acquiring payment on the merchant’s behalf.
  • Card Association/Scheme: The card brands (e.g., Visa, Mastercard) overseeing the process.
  • Payment Gateway: The payment gateway facilitating the payment.
Reasons for a Chargeback Request A chargeback request may be raised for various reasons, such as:
  • Service or product not received.
  • The product doesn’t match the description or is damaged.
How Does the Chargeback Process Work?
  1. The cardholder (Ms. X) disputes a transaction by contacting the card issuer (e.g., SBI).
  • The issuer contacts the acquirer (e.g., HDFC Bank) via the same network used for the transaction.
  • The acquirer reaches out to the payment gateway (e.g., Cashfree), which then contacts the merchant (e.g., merchant.com) for details.
  1. The merchant is given a turnaround time to respond.
  • If no response is provided, the chargeback will be ruled in favor of the cardholder.
  1. After submitting proof, banks take 21 to 45 days (representation time) to conclude.
  2. The cardholder has 90-120 days to raise a chargeback request.
  3. If a chargeback occurs, the disputed amount will be blocked from the merchant’s unsettled funds and will be released or refunded based on the outcome.
Chargeback ScenariosScenario 1: The merchant decides to respond The merchant must provide evidence related to the transaction, such as:
  • Email conversations
  • Invoices
This proof is passed to the issuer (e.g., SBI) for review.
  1. If the issuer accepts the proof:
  • The chargeback request is declined, but the cardholder can still raise a Second Presentment, Second Chargeback (Mastercard) or Pre-Arbitration (Visa).
  1. If the issuer rejects the proof:
  • The chargeback is ruled valid, and funds are reversed to the cardholder’s account.
Scenario 2: The merchant decides not to respond
  • The chargeback is automatically ruled in favor of the cardholder, and the amount is reversed.
Second Presentment, Second Chargeback, or Pre-Arbitration If the initial chargeback is won by the merchant, the customer can raise the dispute again.
  • The merchant must respond with all possible evidence.
  • If the merchant does not respond: The chargeback will favor the cardholder, and funds will be reversed.
Documents Required to Dispute a Chargeback Merchants should keep the following documents ready to tackle any chargeback:
  • Proof of delivery: Tracking numbers, shipping receipts, etc.
Pro Tip: Prepare these documents from day one to efficiently handle potential chargebacks.
Invoice copy: This should include your company name, price, and description of the product, date, customer’s name and address, date.Order confirmation email: This email provides customers with post-purchase reassurance. It should mandatorily include confirmation of your customer’s request (booking, registration, subscription and order) and the order summary.Tracking details: Shipment tracking details provided by the courier delivery company (Not applicable for all).Finally, we are near the end of the chargeback process. The issuer reviews the chargeback claim and the merchant’s evidence. Each card network requires specific information to prove or disprove a dispute. This information is typically listed in the network’s rules and regulations.Let’s say the merchant wins a chargeback. The cardholder could still dispute the outcome. This takes on various names depending on the card network. For example, Visa calls this Pre-Arbitration, while Mastercard calls it a Second Chargeback. However, the process is essentially the same, as detailed below:Level 1/Phase 1: Chargeback
The initial phase where the cardholder disputes the transaction.Level 2/Phase 2: Second Presentment, Second Chargeback, or Pre-Arbitration
This gives the acquirer and the issuer a second chance to resolve the dispute. An issuer may issue pre-arbitration for several reasons, including:
  • A reason code change.
  • The cardholder offers new information.
  • The issuer believes the acquirer’s evidence does not disprove the dispute.
  • Terms and Conditions or Return Policies were not properly disclosed during the transaction.
Level 3/Phase 3: Arbitration
Explicit time limits exist for issuers and acquirers to file for and respond to arbitration chargebacks. For example, Mastercard gives issuers and acquirers 45 days to file. However, documents must be submitted well in advance to allow for thorough review.For more information on arbitration rates, refer to the link.There are 151 reason codes used to categorize chargebacks across Visa, Mastercard, and American Express.Reason codes can be grouped into five main categories:
  • Fraud/No Authorization
  • Cancel Recurring Billing
  • Products/Services
  • Liability Shift
  • Others
Note: Fraud/No Authorization chargebacks account for the largest percentage of disputes, followed by Cancel Recurring Billing and Products/Services disputes. Liability Shift and Other chargebacks represent a smaller percentage.
For a detailed breakdown, refer to the link.As a business, how can I avoid chargebacks?
  • Cardholders often have an advantage as banks and credit card companies prioritize consumer protection.
  • Always maintain proof/evidence to challenge disputes. Store these documents in an easily accessible location, like a desktop folder or Google Drive.
  • Respond promptly to disputes and chargebacks. If you miss the stipulated time frame, banks automatically process the chargeback.
  • Be prepared with an action plan to handle chargebacks efficiently.
Questions?
We’re always happy to help with any questions you might have. Search our documentation, contact support, or connect with our sales team. You can also chat with our team via chat for real-time support.
Almost all businesses are by default eligible to receive payments via Rupay credit card.
Note: Merchants with MCCs such as mutual fund providers, stock brokers, loan repayment, etc., are not eligible to accept credit payments.
Pre-Authorization lets you block a customer’s funds and capture the payment only after fulfilling the order.Supported Cards – Works with Mastercard & Visa credit/debit cards. Flexible Captures – Capture the full or partial amount later. Void Transactions – Release blocked funds if the order isn’t processed. Easy Control – Manage captures & voids manually via the Merchant Dashboard. A smarter way to handle payments with more control!Interested in the Pre-Authorization feature? Contact sales
If you are getting this error, it usually means you are using Production credentials on the Cashfree Test server or Test credentials on the Production server. To fix this, do the following:
  • Go to the page where you get API credentials: https://merchant.cashfree.com/merchant/pg#api-key
  • Ensure that you get the appropriate set of credentials (Test or Production). Also, ensure that there are no typos in the appId/secretKey.
  • Ensure that in your integration type, you are selecting the correct server (Test or Production) of Cashfree.
Cashfree lets you integrate your website or mobile app with our payment gateway to accept payments. Over and above this, we also offer plugins to major e-commerce sites like Shopify, Magento, WooCommerce, OpenCart, PrestaShop, and WHMCS. Click here to know more.
There are three types of web integrations possible with Cashfree:You can instantly set up any of these based on your requirements.
Yes, we provide a predefined plugin for Shopify that helps you set up the Cashfree payment gateway with your Shopify account in no time, and with absolutely no code.
Yes, we provide a predefined plugin for Magento that helps you set up the Cashfree payment gateway with your Magento account in no time, and with absolutely no code.
Yes, we provide a predefined plugin for WooCommerce that helps you set up the Cashfree payment gateway with your WooCommerce account in no time, and with absolutely no code.
Yes, we provide a predefined plugin for OpenCart that helps you set up the Cashfree payment gateway with your OpenCart account in no time, and with absolutely no code.
Yes, we do provide a predefined plugin for PrestaShop that helps you set up the Cashfree payment gateway with your PrestaShop account in no time, and with absolutely no code.
Yes, we do provide a predefined plugin for WHMCS that helps you set up the Cashfree payment gateway with your WHMCS account in no time, and with absolutely no code.
You can use the Cashfree Payment Gateway Dashboard to create orders and accept payments using a payment link. These links can be sent to your customers via email or SMS, without the need to integrate Cashfree into your website.
Invoice copy: Every invoice should include your company name, price, and description of the product, date, customer’s name, and address, contact information (Email and/or phone), and transaction date. Order confirmation email: Confirmation emails provide customers with the feeling of post-purchase reassurance. It should mandatorily include confirmation of your customer request (booking, registration, subscription, and order) and the order summary. Tracking details: Shipment tracking details provided by the courier delivery company. (Please note that this may not be applicable for all).The above mentioned supporting documents are the general proofs that we request. Depending upon the nature of business/line of business (LOB), we may ask for other details such as:
  • Customer signed Proof of Delivery: Customer signed copy of proof of delivery.
  • Confirmation email from a customer: An email from the customer confirming the delivery of the product or the service provided.
  • Customer signed copy of invoice: A signed copy of the invoice from a customer.
Questions? We’re always happy to help you with any questions that you might have. You can search our FAQs, documentation, contact our support team, connect with our sales team from here, or fill out the Support Form. You could also chat with our team via Intercom for real-time support.
Cashfree provides you with the flexibility to create PayMe links, a specially crafted payment link that your customers can use to pay any amount of their choice to your account.
Yes, Cashfree supports a wide range of international payment options via credit cards and also PayPal.
Yes, if you already have an account with PayPal, you need to authorize Cashfree to collect payments. Click here to know more.
For every transaction processed through Cashfree Payments, either of the following charges applies:
  1. Upfront TDR–A fixed charge collected at a predefined frequency. OR
  2. Non-Upfront TDR–A charge deducted as a percentage (TDR%) or a flat fee from the transaction amount, with the remaining balance settled to your bank account. For every transaction that your customers make through Cashfree, TDR will be deducted from the total amount and the remaining amount will be settled to your bank account
You can initiate a refund for a transaction from the payment gateway dashboard by going to PG Dashboard > Refunds > NEW REFUND and providing the corresponding transaction ID or order iD. Once the refund is initiated, it will take 5-7 business days for the amount to be credited to your account.
Invoice copy: Every invoice should include your company name, price, and description of the product, date, customer’s name, and address, contact information (Email and/or phone), and transaction date.Order confirmation email: Confirmation emails provide customers with the feeling of post-purchase reassurance. It should mandatorily include confirmation of your customer request (booking, registration, subscription, and order) and the order summary.Tracking details: Shipment tracking details provided by the courier delivery company. (Please note that this may not be applicable for all).The above-mentioned supporting documents are the general proofs that we request. Depending upon the nature of business/line of business (LOB), we may ask for other details such as:
  • Customer signed Proof of Delivery: Customer signed copy of proof of delivery.
  • Confirmation email from a customer: An email from the customer confirming the delivery of the product or the service provided.
  • Customer signed copy of invoice: A signed copy of the invoice from a customer.
Questions?
We’re always happy to help you with any questions that you might have. You can search our FAQs, documentation, contact our support team, connect with our sales team from here, or fill out the Support Form. You could also chat with our team via Intercom for real-time support.
Before we activate Cashfree Payment Gateway on a website or mobile app, we need a few prerequisites in place.
  1. Your website should be live in the public domain.
  2. Your website should have:
  3. [Contact Us] section showing a valid <email Id> and a <phone number>
  4. [Privacy Policy] section
  5. [Refund Policy] section
  6. [Terms & Conditions] section.
  7. Dealing in banned items.
At Cashfree, we do not support businesses that deal in certain prohibited items. If your business deals in any such items, Cashfree Payment Gateway Account will not be activated in such a scenario.
  • Drop-shipped merchandise.
  • Adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery, and other media); escort or prostitution services.
  • Alcohol which includes alcoholic beverages such as beer, liquor, wine, or champagne.
  • Body parts which includes organs or other body parts.
  • Bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam).
  • Cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free.
  • Child pornography which includes pornographic materials involving minors.
  • Copyright unlocking devices which includes Mod chips or other devices designed to circumvent copyright protection.
  • Copyrighted media which includes unauthorized copies of books, music, movies, and other licensed or protected materials.
  • Copyrighted software which includes unauthorized copies of software, video games, and other licensed or protected materials, including OEM or bundled software.
  • Counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association, fake autographs, counterfeit stamps, and other potentially unauthorized goods.
  • Drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms.
  • Drug test circumvention aids which include drug cleansing shakes, urine test additives, and related items.
  • Endangered species which include plants, animals, or other organisms (including product derivatives) in danger of extinction.
  • Gaming/gambling which includes lottery tickets, sports bets, memberships/enrolment in online gambling sites, and related content.
  • Government IDs or documents which includes fake IDs, passports, diplomas, and noble titles.
  • Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property.
  • Illegal goods which includes materials, products, or information promoting illegal goods or enabling illegal acts.
  • Miracle cures which includes unsubstantiated cures, remedies, or other items marketed as quick health fixes.
  • Offensive goods which includes literature, products or other materials that:
    a) Defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors
    b) Encourage or incite violent acts
    c) Promote intolerance or hatred.
  • Offensive goods, a crime which includes crime scene photos or items, such as personal belongings, associated with criminals.
  • Prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a licensed medical practitioner.
  • Pyrotechnic devices and hazardous materials which include fireworks and related goods; toxic, flammable, and radioactive materials and substances.
  • Regulated goods which include airbags; batteries containing mercury; Freon or similar substances/refrigerants, chemical/industrial solvents, government uniforms, car titles or logos, license plates, police badges, and law enforcement equipment, lock-picking devices, pesticides; postage meters, recalled items, slot machines, surveillance equipment; goods regulated by government or other agency specifications.
  • Securities, which include stocks, bonds, or related financial products.
  • Tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products.
  • Traffic devices which include radar detectors/jammers, license plate covers, traffic signal changers, and related products.
  • Weapons include firearms, ammunition, knives, brass knuckles, gun parts, and other armaments.
  • Wholesale currency which includes discounted currencies or currency exchanges.
  • Live animals or hides/skins/teeth, nails, and other parts, etc. of animals.
  • Multi-Level Marketing collection fees.
  • Matrix sites or sites using a matrix scheme approach.
  • Work-at-home information.
  • Any product or service which is not in compliance with all applicable laws and regulations whether federal, state, local, or international including the laws of India.
  • The Merchant shall not sell, purchase, provide or exchange a cardholder’s name or MasterCard/Visa account number information in any form obtained by reason of a MasterCard/Visa Card transaction to any third party other than its MasterCard/Visa acquiring Member-Citrus Pay, or pursuant to a government/statutory or competent body’s request.
  • Pyrotechnic devices, combustibles, corrosives, and hazardous materials which includes explosives, fireworks and related goods; toxic, flammable, and radioactive materials and substances.
  • Regulated goods which include airbags; batteries containing mercury; Freon or similar substances/refrigerants; chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications.
Please Note: In case the Cashfree Payment Gateway has been activated and later it is found that the business or the website does not comply with the terms and conditions, the account shall be deactivated at Cashfree’s discretion.
What are high-risk transactions?A particular transaction that may have the potential to attract a customer dispute or chargeback is identified by Cashfree as well as banking partners and marked as a high-risk transaction. The payment to the merchant against such a transaction is put on hold until the issue is resolved.Who are high-risk merchants?
As a payment gateway, Cashfree generally settles the collected amount within T+1* or T+2* days. However, some merchants may not qualify for the traditional payment processing agreements due to the inherent risk based on the nature of the business.In addition to the line of business, there may be instances where Cashfree receives frequent escalations from consumers or banks about the genuineness of transactions or financial credibility, based on risk analysis. In such cases, Cashfree may mark the business as a high-risk merchant and temporarily suspend the traditional payment settlement process.High-risk merchants at the time of onboarding
If the nature of the business is seen as risky, to protect the interest of the paying consumer, Cashfree monitors the merchant for a certain period after onboarding. During this period, all settlements by the high-risk merchant shall be subject to the submission of Proof of Delivery. Once the proofs are submitted, the settlements are processed. The time frame of monitoring may vary from merchant to merchant and scenario to scenario, and will be decided by Cashfree at the time of onboarding.What are the documents required to prove delivery?
As proof of delivery, you can share ANY ONE of the following supporting documents:
  1. Invoice Copy: Every invoice should include your company name, price, and description of the product, date, customer’s name and address, and transaction date.
  2. Order Confirmation Email: Confirmation emails provide customers with post-purchase reassurance. It should mandatorily include confirmation of your customer request (booking, registration, subscription, and order) and the order summary.
  3. Tracking Details: Shipment tracking details provided by the courier delivery company. (Please note that this may not be applicable for all).
The above-mentioned supporting documents are general proofs we request. Depending on your business/line of business (LOB), we may ask for other details such as:
  • Customer Signed Proof of Delivery: A customer-signed copy of proof of delivery.
  • Confirmation Email from a Customer: An email from the customer confirming the delivery of the product or service.
  • Customer-Signed Copy of Invoice: A signed copy of the invoice from the customer.
Questions?
We’re always happy to help you with any questions that you might have. You can search our FAQs, documentation, contact our support team, connect with our sales team from here, or fill out the Support Form. You could also chat with our team via Intercom for real-time support.Note: Settlement cycle is subject to bank approval and can vary based on transaction type, business category/model, risk parameters, and other factors.
It is quite critical for a payment gateway to offer a seamless experience to the customers. Multiple redirects and ugly pop-ups lead to a confusing checkout experience and end up eroding the customer’s confidence. A lot of websites do offer a beautiful checkout experience, but this lot is limited to big technology houses with abundant manpower.We at Cashfree have carefully tried to solve this problem. We offer multiple ways to integrate our payment gateway and render a seamless checkout experience to customers. Two basic aspects of our UI integration are:
  • No Redirects
    Customer experiences the checkout flow on your website without navigating to any third-party page.
  • Custom UI
    You own the look and feel of the checkout flow, or you can also use our ready-made beautiful UI components.
Sign-Up to see our PG in action
Cashfree enables businesses to automate recurring payment collection from customers. Our system streamlines the payment process while providing flexibility in payment schedules and methods.Subscriptions help you to accept repeat online payments: 1.Create custom plans for your customers and activate them with ease 2. Merchant add customer’s payment details and subscribe to a plan 3. Customers have the ability to put it on hold/cancel subscription at any time Read moreSign up from here
What is Third Party Validation? Why is it important?Merchants in securities, broking, and mutual funds operating in the BFSI (Banking, Financial Services, and Insurance) sector are prone to cybercrimes, asset appropriation, identity thefts, money laundering, accounting frauds, etc. To reduce the risk, the Securities and Exchange Board of India (SEBI) has laid out guidelines for these merchants.As per the SEBI guidelines, all payments to such businesses must be made by their customers exclusively from pre-registered bank accounts. A pre-registered bank account is the one the customer shared during enrollment for schemes offered by businesses in these sectors.Introducing Third-Party Validation feature by Cashfree
Cashfree now supports Third-Party Validation on Payment Gateway. Using Cashfree’s Third-Party Validation feature, businesses can comply with the SEBI guidelines by ensuring that payments are made only from customers’ registered bank accounts.Some of the primary use cases of Third-Party Validation feature include:
  • BFSI sector - Brokers and other online businesses can now sign up for Cashfree services and securely transact with customers in real-time.
  • Loan repayments - Merchants in the loan repayment sector can use Third-Party Validation to prevent discrepancies in payments and dispute cases.
Features
When a customer transacts with the Cashfree Payment Gateway (with the TVP feature enabled), their bank account number or CRN (Customer Relationship Number) is mapped to lock the transaction, ensuring the payment is processed only from their registered bank account.Advantages
  • TPV is compliant with SEBI guidelines.
  • It serves as a one-stop solution for merchants in the BFSI sector to meet compliance requirements and start transacting securely with their customers.
Benefits
When you enable the TVP feature on your Cashfree Payment Gateway, Cashfree matches the account number provided by the customer during registration against the account used for the transaction. If a non-registered account number is used, Cashfree marks the transaction as FAILED and provides an appropriate failure reason.To know more about the feature and how it can help your business, contact your Cashfree Account manager. If you are new to Cashfree, please contact us here. We would love to talk to you.
Your customers can now make payments using their Rupay credit cards via UPI apps like BHIM, PhonePe, and Google Pay. This enables seamless, fast, and convenient transactions directly through UPI.
The available card subtypes are:
  • P – Premium
  • E – Elite
  • C – Corporate
  • R – Retail
Steps to Make a Payment Using a RuPay Credit Card on UPI:
  1. Scan the merchant’s UPI QR Code OR Enter the UPI ID using any UPI-enabled app.
  2. Enter the payment amount.
  3. Select the linked RuPay credit card account as the payment method.
  4. Enter the UPI PIN to authorize the transaction.
  5. Receive payment confirmation upon successful transaction.
ZestMoney: Instant Cardless EMI Payment ServiceZestMoney is one of India’s leading instant cardless EMI payment services that allows users to buy products or avail services and pay the amount later in easy installments.Benefits of ZestMoney
  • ZestMoney offers EMI without the need for a credit card, debit card, or credit score, letting customers buy now and pay later in easy installments.
  • Online loan approval in less than 10 minutes during checkout.
  • Great payment option for high-value transactions.
Exclusive Offer: No Cost, Interest-Free 3 Months Offer on ZestMoney for Cashfree MerchantsWe are glad to share that merchants using Cashfree Payment Gateway can add ZestMoney as a payment mode on their checkout page and offer their customers the option to opt for a 3-month tenure EMI option at 0% interest using ZestMoney.Details of the offer:
  1. The offer is valid only for transactions made through the ZestMoney EMI payment option for a 3-month tenure.
  2. Interest will be charged from the customer on no-cost EMI and will be processed back as cashback. Cashback will be credited to the customer’s bank account within 7 working days after each on-time EMI payment.
  3. In case of either partial or full cancellation of the order leading to a refund, the refunded amount will be reduced from the outstanding loan amount of the customer with ZestMoney. Any amount deducted before the refund will continue to be under loan amount. If Zero Cost EMI was applicable at the time of order, it will continue to apply to the remaining outstanding amount.
  4. Customers can visit www.zestmoney.in to sign up for ZestMoney, check the credit limit, or give a missed call on 08047193665. For cashback-related issues, customers can reach out at help@zestmoney.in or contact +919343422556.
  5. ZestMoney reserves the right to use reasonable technological and other methods to prevent abuse of the offer terms. ZestMoney’s decisions to take certain actions, including limiting access to the offer, placing holds, or imposing reserves, may be based on confidential criteria essential for managing risk, ensuring the security of users’ accounts, complying with applicable laws, and protecting the ZestMoney system. ZestMoney is under no obligation to disclose details of its risk management or security procedures.
  6. All queries related to discounts or cashback will be resolved within 10-15 working days by the ZestMoney team.
For further details on ZestMoney’s terms and conditions, please visit ZestMoney Terms and Conditions.How do I avail it?ZestMoney’s No Cost, 0% Interest 3 Months EMI offer is available for all Cashfree Payment Gateway users. If you are an existing Cashfree merchant and want to enable ZestMoney as a checkout mode, please contact your Cashfree Account Manager or fill out the Support Form, and we’ll get in touch with you.If you’re not an existing Cashfree merchant, sign up now to enable ZestMoney and other 120+ payment modes including net banking, debit cards, Paytm, UPI, and others.Please note: ZestMoney as a payment mode is only available on request. It is not enabled by default. Raise a request with your Account Manager to enable this feature.P.S. Reach out to your Cashfree Account Manager to know how you can provide your customers with 6, 9, or 12-month EMI options.Other Buy Now Pay Later Options on Cashfree
With Cashfree Payment Gateway, you can offer your customers a range of Buy Now Pay Later options, including card and cardless EMI options like ZestMoney. Some of the popular Buy Now Pay Later options supported on Cashfree checkout include ZestMoney, Olamoney, and e-PayLater, among others.
PayPal is one of the world’s most popular payment modes used by 350+ mn users across 200+ countries worldwide. Cashfree has integrated directly with PayPal to enable seamless merchant onboarding with PayPal and to allow a faster checkout experience using PayPal Express Checkout integration. Cashfree Payment Gateway merchants can now add the PayPal Express Checkout button on their website or mobile app. Benefits of PayPal Express Checkout
  • Accept payments from international customers in 100 currencies using PayPal.
  • Faster customer payment checkout with PayPal Express Checkout button.
  • 24/7 transaction monitoring, fraud prevention, and seller protection that help you keep your business PCI compliant.
  • Easy integration. Enable PayPal on your Cashfree Checkout in just a few steps [refer to PayPal API integration steps here]. No separate integration required.
Exclusive Offer: No Transaction Fee on International Transactions via PayPal for Cashfree MerchantsOffer Terms and Conditions:
  1. The offer is valid only for Cashfree merchants in India with a valid and active existing or new PayPal India business account. The merchant must connect their PayPal business account to their Cashfree account during the offer period (1st March 2021 to 31st March 2021).
  2. The offer is valid only for the first 1000 transacting Cashfree merchants.
  3. The offer is valid only for international transactions made through the PayPal option.
  4. Eligible merchants will get a rebate on the PayPal transaction fee on international/cross-border payments up to INR 10,000 (USD 135) against payments received during the offer period.
  5. The rebate is only applicable on the PayPal transaction fees. Fixed fee, currency conversion (FX), and taxes charged on the transactions will not be rebated.
  6. Partially or fully canceled/refunded transactions will not be eligible for this offer.
  7. The applicable rebate amount will be credited to the linked INR Bank account under which the initial transaction was settled by 30th April 2021. In exceptional scenarios, if the rebate is delayed, please write to channelpartners@paypal.com.
  8. The fee rebate will be non-transferable to other PayPal accounts.
  9. PayPal reserves the right to employ reasonable technological methods and take actions, including limiting access to your offer, placing holds, or imposing reserves, based on confidential criteria essential to managing risk and complying with applicable laws.
  10. PayPal is under no obligation to disclose the details of its risk management or security procedures to the merchants.
  11. In cases of fraudulent or suspicious transactions, PayPal reserves the right to revoke the offer or not award the fee rebate at all.
  12. PayPal reserves the right to amend, change, pause, or stop this offer without any notice.
  13. This offer is subject to the merchant’s general Terms of Use.
  14. Indian laws govern these terms and conditions. All disputes are subject to the Dispute Resolution clause of the User Agreement between PayPal and the merchant.
  15. All queries related to discounts or cashback will be resolved by the PayPal team.
How do I integrate PayPal with my Cashfree account and avail the offer?PayPal’s exclusive offer is available for all Cashfree Payment Gateway merchants.
  • If you are an existing Cashfree Payment Gateway merchant and want to enable PayPal Express Checkout as a checkout mode, follow the [PayPal API integration steps here]. For any queries related to integration or the offer, contact your Cashfree Account Manager or fill out the Support Form, and we’ll get in touch with you.
  • If you’re not an existing Cashfree merchant, sign up now to enable PayPal and other 120+ payment modes including net banking, debit cards, Paytm, UPI, and start collecting online payments.
Please note: PayPal is a payment mode and is only available on request. It is not enabled by default. Raise a request with your Account Manager to enable this feature.Other International Payment Options on Cashfree
With Cashfree Payment Gateway, you can offer your customers a range of international checkout options, including PayPal and international cards such as Visa, Mastercard, American Express, and Diners Club.
No, there is no limit to the number of Aadhaar cards that can be verified in a day.
All most all businesses are by default eligible to receive payments via Rupay credit card.Note: Except for the merchant MCCs such as mutual fund providers, stock brokers, loan repayment etc, are not eligible to accept credit payments.
Your customers now will be able to make payments from their Rupay credit cards of the issuing banks which are live on via their preferred UPI apps like BHIM, PhonePe and Google Pay.
To make the payment with RuPay Credit Card on UPI, a customer must follow these steps:
  1. Scan the merchant UPI QR code.
  2. Enter the amount and select the credit account.
  3. Select the RuPay credit card account followed by the UPI PIN to authorize the payment.
  4. Transaction successful.
This is a request-based feature, available only to PCI-DSS-compliant merchants. To enable it, reach out to your account manager or write to care@cashfree.com.
Cashfree-hosted Checkout merchants use Cashfree’s offer engine to run offers. To set up risk checks, merchants leverage Cashfree’s RiskShield solution. Both offerings allow merchants to set up offer targeting strategies and risk rules through a self-serve flow on the Cashfree dashboard, making implementation easy and effective.
Capture call is performed after authorization. It is a merchant-initiated request (via API) to collect the previously authorized funds. This step debits the amount from the customer.
If not captured within 7 days, the authorization expires, and the funds are released back to the customer.
Yes, merchants can capture a partial amount of the authorized funds.
MDR is always applied only on the captured amount.
All Visa and Mastercard credit and debit cards support pre-authorization.
A void call cancels the authorization before capture, releasing the hold on funds.
No, voiding must be for the entire authorized amount.
Here are some common use cases:
  • Ticket Bookings – Airlines, concerts, and events often place a hold on a credit card to ensure funds are available before finalizing the booking. This is useful if confirmation is pending or for refundable ticket options.
  • Car Rentals – Rental companies use pre-authorization to secure a deposit in case of damages, late returns, or additional charges. The hold is released if no extra fees are incurred.
  • Hotel Reservations – Hotels pre-authorize a guest’s credit card at check-in to cover potential incidentals, damages, or unpaid charges, ensuring payment security before checkout.
Settlement occurs when the merchant finalizes a pre-authorized transaction by capturing the funds.
Merchants typically receive funds from pre-authorized transactions as per their normal settlement cycle, i.e., T+x days after a successful capture.
A dispute may result in a chargeback, requiring the merchant to provide proof of authorization and service fulfillment.
Cashfree allows merchants to configure EMI options for their customers. However, we currently do not provide a built-in EMI recommendation engine.If you want to suggest EMI plans to your users, you can implement your own recommendation logic externally, based on factors such as tenure, interest rate, and total payable amount.
The chargeback process is as follows:
  1. The customer raises a dispute with their issuing bank.
  2. The issuing bank communicates with the acquiring bank via the card network.
  3. The acquiring bank notifies Cashfree.
  4. Cashfree contacts the merchant for supporting documentation.
  5. The merchant must respond within the stipulated time.
Merchant response options:
  • Accept the dispute: The amount is refunded, and the dispute is marked as Closed (Merchant Accepted).
  • Contest the dispute: The merchant provides evidence, such as invoices, delivery proof, or communication logs.
Best practices:
  • Maintain comprehensive transaction records.
  • Respond to chargebacks within the required timelines.
  • Clearly communicate refund and cancellation policies on your website.
The final resolution may take 21–45 days depending on the banks involved.
Cashfree applies transaction limits based on your account activation stage:
  • Partial activation: ₹50,000 per month
  • Full activation: Limits are set by your bank and are not controlled by Cashfree.
Yes. We share PG-wise success rate (SR) data periodically. Please note that this data includes only a subset of payment modes and gateways and may not represent the entire system’s performance.
Cashfree supports a wide range of integrations, including:E-commerce platforms:
  • Shopify
  • WooCommerce
  • Magento
  • OpenCart
  • PrestaShop
  • WHMCS
  • WIX
  • Zoho
  • StoreHippo
  • CScart
ERP and SaaS platforms:
  • Education, travel, restaurant, and hospitality ERPs
  • Accounting software
  • Lending, checkout, and POS SaaS products
  • CRMs and financial service platforms
Cashfree supports fund withdrawals through different products. The process varies depending on whether you’re using Payments (PG), Payouts, or SecureID.Payments (PG) To initiate an on-demand withdrawal from Payments Gateway:
  1. Log in to the Merchant Dashboard using your credentials.
  2. In the left navigation panel, go to Settlements.
  3. Select On-demand from the dropdown.
  4. Click Withdraw Now next to the available balance.
  5. A list of previously initiated withdrawals is also displayed on this screen.
PayoutsTo initiate withdrawal funds from your Cashfree Payouts wallet:
  1. Log in to the Merchant Dashboard using your credentials.
  2. Navigate to Fund Sources > Cashfree Wallet.
  3. Under the Overview section, click Withdraw next to Last Withdrawal.
  4. Enter the withdrawal Amount and Remarks, then click Withdraw.
SecureIDTo withdraw funds from your SecureID account:
  1. Log in to the Merchant Dashboard using your credentials.
  2. In the left navigation panel, go to Accounts.
  3. A summary of your account transactions will be displayed.
  4. Click Withdraw to initiate the fund withdrawal.
Withdrawal guidelines:
  • Maximum 3 withdrawals allowed per day.
  • Funds are credited only to your registered business bank account.
  • Processing time is between 8:00 AM and 6:45 PM, Monday to Saturday except 2nd and 4th Saturdays.
  • Withdrawals are non-reversible once submitted.
  • It may take 30 minutes to a few hours for the credit to reflect.