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Payments

How to access on Fynd Platform
  1. Platform Panel
  2. Sales Channel (select application)
  3. Settings
  4. Cart & Payments
  5. Payments

Abbreviations Used​

  • PG - Payment Gateway
  • MOP - Mode of Payment
  • Sub-MOP - Sub Mode of Payment
  • POS - Point of Sale
  • EDC - Electronic Data Capture

Introduction​

Discover the powerful 'Payments' feature within the platform, designed to give sellers complete control over their payment ecosystem. With 'Payments', sellers can effortlessly configure payment options, customise sequencing of modes of payment (MOPs) and sub-modes of payment (Sub-MOPs), and manage EDC machine mappings.

Whether it's setting up online, offline, sellers can easily tailor their payment offerings to meet the unique needs of their customers. Choose from a range of account types, including your own merchant account, Fynd account, or Fynd partnership merchant account, and effortlessly activate or deactivate payment gateways as needed.

Take charge of your payment strategies, drive customer satisfaction, and unlock new opportunities for seamless transactions on your website and POS machines with 'Payments' from the platform.

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Figure 1: Payments Configuration Options

General Settings​

Here, you can configure different payment options like online and offline payment.

Online Payment​

Use this section to configure a payment gateway on your website.

How to add a new payment gateway?​

  1. Click Add Payment Gateway.

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    Figure 2: Clicking Add Payment Gateway Button

  2. Open the desired payment gateway option that you wish to configure. For example, Razorpay.

  3. Choose the type of account that you would like to activate. Here, we have selected 'Assisted Merchant Account'.

  4. Click Proceed.

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    Figure 3: Clicking Proceed Button

  5. Log in to Razorpay account.

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    Figure 4: Razorpay Login Page

  6. Click Authorize. Upon clicking this button, the Razorpay PG gets added successfully and it does not require admin verification.

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    Figure 5: Clicking Authorize Button

    info
    • Admin verification is mandatory for account types other than 'Assisted Merchant Account'.
    • Selecting 'Assisted Merchant Account' facilitates automatic settlement of payments between seller and platform.
    • You can revoke this access anytime.

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  1. Open the added payment gateway.

  2. Turn ON the toggle button to activate the payment gateway.

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    Figure 6: Activating Payment Gateway

  3. Choose desired business unit (amongst Storefront and POS) and device (amongst Website, iOS, and Android).

  4. Click the kebab menu ⋮ of available MOP options.

  5. Choose Active option.

  6. Click Save.

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    Figure 7: Clicking Save Button

    note

    MOP like Net Banking can have multiple Sub-MOPs. You can open such MOP to activate Sub-MOPs in it.

    In this way, the payment gateway will be added to your website. Also, you can deactivate it anytime.


note
  • To deactivate the payment option, you can turn OFF the toggle button present against each option and save the changes.
  • You can click Duplicate Config if you wish to map the MOP settings of one device to others.
  • Activating a mode of payment (MOP) in one payment gateway (PG) for a particular business unit and device prevents its activation in another PG for the same business unit and device.

Supported Payment Gateways​

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Figure 8: Supported Payment Gateways

Simpl​

Simpl is a credit-based payment method that supports 'Buy Now, Pay Later’.

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Figure 9: Simpl Settings

What will you need to integrate Simpl: Key and Secret from your Simpl Merchant Account.


Juspay​

Juspay is a mobile payment platform that offers digital payment solutions. Juspay is not a Payment Gateway (like Citrus, CCAvenue, PayU) but it works with any gateway or aggregator with zero interference in the Merchant-PG relations.

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Figure 10: Juspay Settings

What will you need to integrate Juspay: Key, Secret and Merchant Key from your JusPay Merchant Dashboard

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Figure 11: Juspay Key


Mswipe​

Mswipe card swipe machines are safe and secure and accepts all debit and credit cards. Mswipe provides mobile POS solutions for cards, QR and contactless payments.

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Figure 12a: Mswipe Settings

What will you need to integrate Mswipe: Key, PIN, Secret, User ID and Merchant ID from Mswipe

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Figure 12b: Mswipe ID


Razorpay​

Razorpay is a comprehensive payments platform that facilitates online payments through various methods, including:

  • Credit Cards
  • Debit Cards
  • Net Banking (e.g., Lakshmi Vilas Bank - Retail Banking, Bank of Bahrain and Kuwait, Airtel Payments Bank, etc.)
  • UPI (e.g., PhonePe, Paytm, etc.)
  • BharatQR
  • Wallets (Airtel Money, CredPay, PhonePe, etc.)

Razorpay offers robust support for all these payment modes, providing complete management throughout the payment lifecycle.

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Figure 13a: Razorpay Settings

What will you need to integrate Razorpay: Key, Secret and Webhook Secret from your Razorpay Dashboard

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Figure 13b: Razorpay Key

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Figure 13c: Razorpay ID


PayUMoney​

PayUMoney supports wide range of options for making online payments via wallets, UPI, cards, and netbanking.

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Figure 14a: PayUMoney Settings

What will you need to integrate PayUMoney: Key, Secret, Merchant ID, Merchant Salt from your PayUMoney Dashboard

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Figure 14b: PayUMoney ID


Stripe​

Stripe is a payment processor that supports online payments, credit cards, recurring subscriptions and direct payouts to bank accounts.

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Figure 15a: Stripe Settings

What will you need to integrate Stripe: Key, Secret, Product ID, Webhook Secret from your Stripe Dashboard

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Figure 15b: Stripe Keys

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Figure 15c: Stripe Webhook


Rupifi​

Rupifi enables businesses to avail credits and allows a 'Buy now, Pay later' system for making transactions and purchases. Fynd has partnered with Rupifi to provide credit to provide B2B credit for SMEs.

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Figure 16: Rupifi Settings

What will you need to integrate Rupifi: Key, Secret from your Rupifi Dashboard

Rupify helps businesses make purchases on credit on its Uniket platform.


How to switch account type in payment gateway?​

You may decide to switch to another payment account type in the configured payment gateway. Follow these simple steps to update the account type:

  1. Open the payment gateway.

  2. Go to Credentials option present in the kebab menu ⋮.

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    Figure 17: Payments Configuration Options

  3. Go to Switch Account option present in the kebab menu ⋮.

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    Figure 18: Payments Configuration Options

  4. Select the type of account.

  5. Click Proceed.

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    Figure 19: Payments Configuration Options

  6. Enter credentials.

  7. Click Save.

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    Figure 20: Payments Configuration Options

  8. Click Yes to save the changes. Here, the staus of payment gateway will be Admin Verification In Progress. Please wait until it gets approved by admin.

    In this way, your account type has been switched successfully.

Offline Payment​

Use this section to avail customers to make a cash payment upon getting your order. Turn ON the toggle button to enable this option and click Save.

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Figure 21: Payments Configuration Options

Cash on Delivery (COD) is permitted only when:

  • The customer is a registered user. COD will not be available for guest users.
  • The delivery partner has the capability to collect COD payments upon delivery at a serviceable PIN code.
  • The COD amount is below the maximum threshold.

Setting Up COD Configurations​

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Figure 22: Payments Configuration Options

  1. Tick the checkbox if you wish to opt COD in offline payments.
  2. Total COD Limit Per User - It is the total COD limit set for each user. This limit keeps decreasing whenever a customer places a COD order, and replenishes after the order is successfully delivered. To learn more, read how to configure COD for specific customers.
  3. COD Minimum Order Value - The minimum order value below which COD is not applicable. For e.g., if you set this limit as ₹500, any order value that is below ₹500 will not get a COD option during checkout.
  4. COD Maximum Order Value - The maximum order value above which COD is not applicable. For e.g., if you set this limit as ₹20,000, any order value that is above ₹20,000 will not get a COD option during checkout.
  5. COD Charges - It is the additional fee customers will need to pay when they choose COD as a payment option at checkout.
  6. COD Charge Minimum Order Value - COD charges will be applicable if the order value is greater than or equal to the amount set here.
  7. COD Charge Maximum Order Value - COD charges will be applicable if the order value is less than or equal to the amount set here.
  8. Upon clicking this button, your COD configurations will be saved.

Cash on Delivery at PIN Code level​

Using this feature, you can activate/deactivate COD option for desired PIN Code(s). Click Configure and use following ways which are explained below.

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Figure 23: Payments Configuration Options


Adding Individual PIN Code(s)​

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Figure 24: Adding Individual PIN Code(s)

  1. Select the country from the dropdown. Here, we have selected India.

  2. Add PIN Code and press 'Enter' key. Repeat the same step if you wish to add multiple PIN Codes.

  3. Click Activate to enable COD for added PIN Code.

    note

    This method supports processing of maximum 10 PIN Codes. If you wish to process more than 10 PIN Codes, please use Bulk Action which is explained below.


Adding PIN Codes in Bulk​

  1. Click Bulk Action.

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    Figure 25: Clicking Bulk Action Button

  2. Click Download. It will download a CSV template file.

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    Figure 26: Clicking Download Button

  3. Open the sample file.

  4. Fill details like Pincode, Country, and Is Active. Only 'activate' and 'deactivate' values are allowed for Is Active attribute.

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    Figure 27: Details of PIN Codes

    note

    Add 'activate' to enable COD for particular PIN Code or add 'deactivate' to disable COD for the same.

  5. Save the file in your system.

  6. Click Choose file to select the saved file from your system.

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    Figure 28: Clicking Choose File Option

  7. Click Upload.

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    Figure 29: Clicking Upload Button

  8. Click Proceed.

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    Figure 30a: Clicking Proceed Button

    Please wait until its status changes to SUCCESS.

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    Figure 30b: Status Success

    In this way, COD option is enabled for multiple PIN Codes using bulk action successfully.

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You can click View all Pincodes to get a list of all active and inactive PIN Codes that you have uploaded to date.

Attention

There are other COD-related configuration present in platform. Refer this document: Where to configure Cash On Delivery (COD)?

Sequencing​

caution

Duplicating the sequence of payment modes from one device to another (e.g., Android to iOS or vice versa) will overwrite the previously saved sequence on the target device. Please note that this action applies to all available devices, including Android, iOS, and Website.

Use this section to arrange the sequence of MOP/Sub-MOP options on various devices. This order will be visible on the payment window of the device. Also, you can duplicate the sequence of payment modes of one device with the others.

Video: How To Sequence Payment Modes and Duplicate Sequence

How to sequence MOPs/Sub-MOPs?​

  1. Select the desired business unit. It can be either storefront or POS.

  2. Select the desired device. It can be either Android, iOS, or website.

  3. Drag and move MOP to adjust their position according to your needs.

  4. Click Save.

    note

    You can open the desired MOP if you wish to adjust the position of Sub-MOP options present in it and save the changes.

How to duplicate a sequence?​

  1. Click Duplicate Sequence.

  2. Choose device(s) in which you wish to map the sequence of payment modes of other device.

  3. Click Proceed.

  4. Save the changes.

    In this way, sequence will be duplicated successfully.