MERCHANT SHOULD KNOW

Here are a few questions, we believe you should read about Paysmart Bharat to have a better understanding of the products and their functionalities.

1. WHAT IS Paysmart Bharat?
   Paysmart Bharat is a leading Payment Gateway, providing solutions for all online payments authorized by Indian financial institutions, to benefit our Sub Merchants. We provide a secure link between your website, various issuing institutions, acquiring Banks, and the payment gateway providers. We’re active in the development and implementation of anti-fraud systems that have helped to protect businesses globally.

2. WHAT ARE THE TYPES OF INTERFACES/MODS WE’RE OFFERING?
   Paysmart Bharat provides complete, simple, and secure online payment gateway services, with real-time Credit Card, Debit Card, Net Banking, Digital and Mobile Wallet, Cash Card, and Mobile Payment transaction validation processes. This enables eCommerce websites to sell products and services online with a high-quality interface and user experience.

3. IS THERE ANY TRIAL PROCEDURE?
   Yes! You can make a test purchase for assurance. Just sign-up with us, get an account today, and testing is free.

4. HOW DO I REGISTER OR SIGN-UP FOR A Paysmart Bharat ACCOUNT?
   It’s quite simple to register on Paysmart Bharat. On the home page, click on sign-up. Enter the necessary details and get started.

5. WHY IS IT IMPORTANT TO PROVIDE KYC DOCUMENTS TO Paysmart Bharat?
   "KYC" (Know Your Customer) is a term used for the customer identification process to determine the true identity, beneficial ownership of accounts, source of funds, and the nature of your business. This also helps provide security against all kinds of frauds. The Reserve Bank of India has issued guidelines under Section 35A of the Banking Regulation Act to carry out KYC for all merchants accepting payments through offline and online mediums.

6. WHAT TYPE OF KYC DOCUMENTS ARE NEEDED TO GET AN ACCOUNT?
   KYC documents are required on two aspects: one for establishing identity and another for establishing the present residential address. The documents needed differ depending on the type of company/account (e.g., Individuals, Companies, Partnership Firms, Trusts & Foundations, and Proprietorship Concerns).

7. HOW DO I USE Paysmart Bharat ONLINE PAYMENT GATEWAY?
   It’s very simple, and you don’t need any technical or programming knowledge to get started. Your tech support team can integrate with the Paysmart Bharat payment solutions, and we’ll also provide assistance.

8. WHICH PROGRAMMING PLATFORMS ARE SUPPORTED BY Paysmart Bharat FOR ONLINE PAYMENT GATEWAY?
   Any programming language can be used to interface with the Paysmart Bharat payment gateway. Common examples include PHP, ASP, and Java.

9. HOW SAFE IS IT TO USE A CARD ON Paysmart Bharat PAYMENT GATEWAY?
   We are highly compliant with the relevant Data Security Standards, ensuring and maintaining the highest level of security for processing customer card data. Payment card schemes like MasterCard and Visa require robust protections to prevent hackers and criminals from accessing sensitive information.

10. HOW TO CHECK MY TRANSACTIONS AND STATUS ON Paysmart Bharat?
    Log in to the Merchant Interface with the username and password provided by Paysmart Bharat. You can view the successful status of all orders and access detailed reports under the ‘Transaction’ menu. You can also view day-wise summaries and detailed reports.

11. WILL I GET NOTIFICATIONS FOR THE TRANSACTIONS?
    Definitely. You’ll receive notifications for every order that has been successfully processed or failed using Paysmart Bharat.

12. HOW WILL I OR MY CUSTOMER KNOW IF THE TRANSACTION IS SUCCESSFUL?
    Once the payment process is over, Paysmart Bharat will send an email with the payment status. At the end of the transaction, both you and the customer can easily determine whether the payment was successful or failed. You can also access detailed transaction information by logging into your Paysmart Bharat account.

13. CAN I ORDER/REQUEST A HARD COPY OF THE TRANSACTION REPORT?
    We prioritize environmental sustainability, so we encourage using digital copies of order reports sent via email or available in the merchant interface. However, you can print the reports if needed by logging into the Paysmart Bharat merchant interface.

14. WHAT ARE THE COMPONENTS OF TRANSACTION REPORTS?
    The transaction report sent via email includes a summary of sales, refunds, chargebacks, transaction fees, service taxes, and the amount payable to your bank account. Detailed reports provide more information like order date, order amount, merchant order ID, Paysmart Bharat order ID, card type, service charges, and taxes. These reports can also be downloaded from the merchant interface.

15. IN WHICH BANK ACCOUNT WILL I GET MY PAYOUT OF ORDERS RECEIVED USING Paysmart Bharat?
    You’ll receive payouts to the bank account registered or mapped with your Paysmart Bharat account.

16. WHEN WILL I RECEIVE THE PAYOUT OF ORDERS RECEIVED USING Paysmart Bharat?
    The payout will be remitted to your merchant bank account within ____ working days from the order reconciliation date.

17. WHAT IF I PROVIDE WRONG ACCOUNT DETAILS TO Paysmart Bharat?
    Paysmart Bharat is not responsible if you provide incorrect bank account details. It’s your responsibility to ensure the accuracy of your account information. Money transferred to the wrong account cannot be recovered, and it is up to the merchant to work with the bank to retrieve the funds.

18. CAN I ASK Paysmart Bharat TO HOLD MY PAYOUT IF I HAVE ISSUES WITH MY BANK ACCOUNT?
    Yes, Paysmart Bharat can hold your payout upon request. The amount will accumulate in your merchant account until you instruct us to release it.

19. CAN I REQUEST A CASH OR CHECK PAYMENT FOR THE PAYOUT?
    No. In compliance with RBI mandates, Paysmart Bharat will only process payouts via NEFT—direct account transfer. Payouts must be completed within ____ working days from the transaction date.

20. HOW WILL TRANSACTION FEES BE DEDUCTED?
    The payout amount is net of Paysmart Bharat transaction fees, which are deducted from each order before the payout is made. You don’t need to worry about paying the fees separately.

21. HOW CAN I CHECK THE CHARGES DEDUCTED BY Paysmart Bharat FROM MY PAYOUT?
    Paysmart Bharat maintains full transparency regarding fees. A detailed report of payout and charges is sent via email and is available in the Merchant Admin portal.

22. CAN I CANCEL OR REFUND A CUSTOMER’S PAYMENT?
    Yes, you can request Paysmart Bharat to refund any successful transaction. The refund will be processed within ____ business days.

23. WHAT IF I CANCEL OR REFUND THE WRONG ORDER? CAN I GET THE MONEY BACK?
    No, once refunded, the money cannot be reversed. You would need to ask the customer to repay or transfer the funds again.

24. ARE THERE ANY CHARGES FOR REFUNDS OR ORDER CANCELLATIONS?
    No, refunds or cancellations on Paysmart Bharat are free of charge. Simply process the refund via Paysmart Bharat to avail of the zero-cost benefit.

25. HOW DO I IDENTIFY FRAUDULENT TRANSACTIONS?
    It is important to verify every online order. For suspicious orders, you can contact the customer and request proof of identity and bank/card statements. Paysmart Bharat also monitors transactions and will notify you of any abnormal activity.