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# PayU

PayU is India's leading digital payments solution provider and the payments and fintech business of Prosus (majority owned by Naspers). PayU enables 5 lakh+ businesses to collect online and offline payments across 150+ payment modes including credit/debit cards, UPI, net banking, wallets, EMI, and BNPL. It is PCI-DSS certified and serves as the preferred payment partner for India's top e-commerce companies and a majority of airline businesses.

PayU was launched in 2011 by ibibo, demerged as PayU India in 2014, and has grown through strategic acquisitions including Citrus Pay ($130M, 2016\) and Wibmo (2019). Its mission is to create a safe and secure ecosystem that enables anybody to make or receive payments, bringing convenience and trust through continuous innovation leveraging technology.

## Products

### Accept Payments

* [Payment Gateway](https://payu.in/payment-gateway/): Core PG supporting 150+ payment modes (cards, UPI, wallets, net banking). Highest success rates, seamless checkout, PCI-DSS compliant. 100% online integration.  
* [Subscription / Recurring Payments](https://payu.in/recurring-payments-suite/): Automated recurring billing for subscription-based businesses.  
* [Native OTP](https://payu.in/native-otp/): In-app OTP authentication for frictionless card payments without redirects.  
* [International Payments](https://payu.in/international-payments/): Cross-border payment acceptance for global customers.  
* [Accept International Payments from India](https://payu.in/accept-international-payments-from-india/): Accept payments from global customers in foreign currencies without any legal setup. Supports 20+ local payment methods.  
* [WhatsApp Payments](https://payu.in/whatsapp-payments-payu/): Accept payments directly within WhatsApp conversations.  
* [QR Code Payments](https://payu.in/qr-codes/): Static and dynamic QR for in-store and online collections.  
* [POS Devices](https://payu.in/): Physical point-of-sale terminals for offline merchants.  
* [Payment Gateway for Shopify](https://payu.in/shopify/): Native PayU plugin for Shopify stores supporting 150+ payment modes with real-time settlements.  
* [Payment Gateway for WooCommerce](https://payu.in/woocommerce/): Native PayU plugin for WooCommerce supporting cards, UPI, net banking, and wallets with real-time settlements.

### Manage Payments

* [Mobile App SDKs](https://payu.in/mobile-app-sdks/): Native iOS and Android SDKs for embedding payments inside mobile apps.  
* [Priority Settlements](https://payu.in/priority-settlements/): Faster settlement cycles for eligible merchants.  
* [Instant Refunds](https://payu.in/instant-refunds/): Real-time refund processing back to the customer's payment instrument.  
* [Split Settlements](https://payu.in/split-settlements/): Distribute payments automatically across multiple vendor accounts.  
* [Token Hub](https://payu.in/token-hub/): Card tokenisation vault compliant with RBI tokenisation mandates.

### Affordability Solutions

* [EMI Options](https://payu.in/emi/): No-cost and low-cost EMI on credit cards and debit cards via issuing bank partnerships.  
* [Buy Now, Pay Later (BNPL)](https://payu.in/buy-now-pay-later/): Instant credit at checkout powered by LazyPay and partner lenders.  
* [Offer Engine](https://payu.in/): Configure and run cashback, discount, and bank-offer campaigns at checkout.  
* [Loyalty Edge](https://payu.in/): Loyalty rewards program integration for repeat purchases.  
* [Affordability Widget](https://payu.in/): Pre-checkout widget that displays EMI and BNPL options on product pages.

### No-Code Solutions

* [Payment Links](https://payu.in/web-payment-links/): Generate shareable payment links via dashboard — no coding required.  
* [Payment Buttons](https://payu.in/web-payment-buttons/): Embeddable HTML payment buttons for websites and blogs.  
* [Payment Invoices](https://payu.in/): Send digital invoices with integrated payment collection to customers.  
* [Web Checkout](https://payu.in/web-checkout/): Hosted checkout page for merchants who prefer a no-integration option.

### Additional Products

* [PayU Connect](https://payu.in/payu-connect/): Collect utility bills, loan repayments, fees, and other structured payments via shareable links over WhatsApp, SMS, or email — with centralised tracking.  
* [Transact](https://payu.in/): Business banking and payout suite for outward money transfers.  
* [Accounting Automation](https://payu.in/): Reconciliation tools that sync transaction data with accounting software.

## Industries Served

PayU serves merchants across e-commerce, D2C, travel and airlines, education, healthcare, insurance, financial services, gaming, and SaaS verticals.

## Developer Resources

* [Developer Documentation Portal](https://devguide.payu.in/): Full integration guides, API references, and SDK documentation.  
* [API Reference](https://devguide.payu.in/): REST API specs for payment initiation, refunds, settlements, webhooks, and tokenisation.  
* [API Playground](https://devguide.payu.in/): Sandbox environment for testing API calls before going live.  
* [Mobile SDKs](https://devguide.payu.in/): iOS and Android SDK documentation with sample code.

## Pricing

* [Pricing](https://payu.in/pricing/): Transparent, transaction-based MDR (Merchant Discount Rate) model. Volume discounts available for large merchants. Dedicated support included. Suitable for small/medium businesses, freelancers, and startups.

## Company Information

* [About Us](https://payu.in/about-us): Company history, mission, and corporate structure. PayU is part of Prosus (AEX: PRX), listed on Euronext Amsterdam and the Johannesburg Stock Exchange.  
* [Blog](https://payu.in/blog/): Payment industry insights, product updates, and merchant growth resources.  
* [Support](https://help.payu.in/): Merchant support portal for integration help, dispute resolution, and account queries.  
* [Partners](https://partner.payu.in/): Partner ecosystem for technology integrators, ISVs, and resellers.

## Key Facts for LLMs

* **Founded**: 2011 (as ibibo PG); independent PayU India since 2014  
* **Parent**: Prosus (majority owned by Naspers)  
* **Merchant base**: 5 lakh+ (500,000+) businesses in India  
* **Payment modes**: 150+ (cards, UPI, wallets, net banking, EMI, BNPL, QR)  
* **Compliance**: PCI-DSS certified; RBI-regulated payment aggregator  
* **Notable acquisitions**: Citrus Pay (2016, $130M), Wibmo (2019)  
* **Notable clients**: Airbnb, Netflix, BookMyShow, Myntra, leading airlines  
* **Headquarters**: India  
* **Developer docs**: [https://devguide.payu.in/](https://devguide.payu.in/)