Payment Methods

Payment Modes

This page describes the various payment modes supported by PayUmoney. Some of these payment modes like credit card,debit card,net banking are by default available to all the PayUmoney merchants while to avail a few other payment options, you will have to contact the PayUmoney merchant support team.The details of these are discussed in detail in the following sections.

Credit Card

PayUmoney accepts all major credit cards that are available in India. The following card schemes of any bank are available to you your customers on the checkout page immediately after you sign up with us as a merchant.

  • AMEX
  • Cards
  • Visa
  • MasterCard
  • Diners
  • Rupay

We currently do not support International Credit cards.

Debit Card

PayUmoney accepts all debit cards that are available in India. The following card schemes of any bank are available to your customers on the checkout page immediately after you sign up with us as a merchant.

  • Visa
  • MasterCard
  • Rupay
  • Maestro

We currently do not support International debit card transactions.

Net Banking

PayUmoney supports 50 online banking options available in India. These Net Banking options are listed below:

  • Kotak Mahindra Bank
  • Andhra Bank
  • Airtel Payments Bank
  • AXIS Bank NetBanking
  • The Bharat Co-op. Bank Ltd
  • Bank of India
  • Bank of Maharashtra
  • Canara Bank
  • Central Bank Of India
  • Citibank Netbanking
  • Punjab National Bank - Corporate Banking
  • Corporation Bank
  • Catholic Syrian Bank
  • Cosmos Bank
  • City Union Bank
  • DCB Bank
  • Dena Bank
  • Dhanlaxmi Bank
  • Deutsche Bank
  • Federal Bank
  • HDFC Bank
  • ICICI Netbanking
  • IDBI Bank
  • IDFC Netbanking
  • Indian Bank
  • IndusInd Bank
  • Indian Overseas Bank
  • Jammu and Kashmir Bank
  • Janata Sahakari Bank Pune
  • Karnataka Bank
  • Karur Vysya - Retail Netbanking
  • Karur Vysya - Corporate Netbanking
  • Lakshmi Vilas Bank - Corporate Netbanking
  • Lakshmi Vilas Bank - Retail Netbanking
  • Oriental Bank of Commerce
  • Punjab And Maharashtra Co-operative Bank Limited
  • Punjab National Bank - Retail Banking
  • Punjab And Sind Bank
  • State Bank of India
  • South Indian Bank
  • Saraswat Bank
  • Shamrao Vithal Co-operative Bank Ltd.
  • Syndicate Bank
  • The Nainital Bank
  • Tamilnad Mercantile Bank
  • Union Bank - Retail Netbanking
  • Union Bank - Corporate Netbanking
  • UCO Bank
  • United Bank Of India
  • Vijaya Bank
  • Yes Bank


UPI or Unified Payment Interface is a new mobile first payment mode for making payments to friends or businesses. This is launched by National Payments Corporation of India (NPCI) and regulated by RBI.

UPI is built over Immediate Payment Service (IMPS) for transferring funds using Virtual Payment Address(VPA). VPA is a unique ID provided by the bank to a customer. A customer requires an MPIN (Mobile banking Personal Identification number) to confirm each payment.

PayUmoney, through its checkout pages, allows your customers to Pay to you using UPI as a payment method on our checkout pages. This does not require any extra integration changes at your end.


If you are a merchant selling high-value goods or services, your customers might find it convenient to pay the total amount in installments. PayUmoney has partnered with various banks to provide this option to customers on our checkout pages so that your customers have one more reason to buy your product and thus enjoy very high success rates.

Since EMI(Equated Monthly Installments) as an option is extended by Banks to their customers you as a merchant will get your settlements as per the agreed settlement cycle for the full amount without any delay. That is, other words, the entire credit risk is born by the banks.

PayUmoney supports EMI Option for the following banks.

  • Axis EMI
  • Kotak EMI
  • HSBC
  • AXIS Debit Card EMI
  • ICICI Debit Card EMI
  • RBL
The final decision on whether a transaction can be converted to EMI is taken by the Banks and PayUmoney does not influence this decision in any manner.