PayZEz FAQs
FAQs for Merchant
1. What is PayZEz?
PayZEz is a secure and reliable payment gateway that enables merchants to accept online payments through multiple channels, including credit/debit cards, net banking, UPI, wallets, and more.
2. Who can apply for a PayZEz merchant account?
Any individual, business, startup, e-commerce store, or service provider with valid business documentation can apply. We support proprietorships, partnerships, private limited companies, LLPs, NGOs, and freelancers.
3. How do I sign up as a merchant on PayZEz?
Simply fill out the online merchant application form on our website, upload the required KYC/business documents, and our onboarding team will guide you through the approval process.
4. What documents are required to get started?
Business registration certificate or GST certificate (if applicable) PAN card of business/individual Bank account proof (cancelled cheque/passbook) Identity and address proof of proprietor/authorized signatory
Additional documents may be requested depending on business type.
5. How long does the onboarding process take?
Typically, merchant onboarding is completed within 24–48 hours after successful submission and verification of documents.
6. What types of payments can I accept with PayZEz?
You can accept: Credit & Debit Cards (Visa, MasterCard, RuPay) UPI & QR Payments Net Banking (all major banks) Mobile Wallets International Cards (if enabled)
7. What are the transaction charges/fees?
PayZEz offers competitive pricing with per-transaction charges based on payment mode. Detailed pricing will be shared once your account is approved.
8. When will I receive payments in my bank account?
Settlement timelines depend on your business category. Generally, funds are settled to your registered bank account within T+1 to T+2 working days.
9. Is there a setup or annual fee?
PayZEz does not charge setup fees for most merchants. Some advanced features or custom integrations may attract additional charges.
10. How secure is PayZEz?
PayZEz is PCI-DSS compliant and uses advanced encryption, tokenization, and fraud detection tools to ensure safe and secure transactions for both merchants and customers.
11. Does PayZEz support international transactions?
Yes, subject to regulatory approvals and business eligibility, merchants can accept payments from international customers.
12. Can I integrate PayZEz with my website or app?
Yes. PayZEz provides ready-to-use plugins, SDKs, and APIs for all major platforms (Shopify, WooCommerce, Magento, custom-built websites, Android, iOS, etc.).
13. What happens if a customer does not pay back the loan. Will I get my money back?
You will be settled the entire amount as per your settlement cycle. Collection of funds from the customer is lender/issuer’s responsibility.
14. How do I track my transactions?
Merchants get access to the PayZEz Dashboard, where you can view real-time transaction reports, settlement details, refunds, and analytics.
15. Does PayZEz support refunds and chargebacks?
Yes. Refunds can be initiated directly from the merchant dashboard. In case of chargebacks, our dispute resolution team works closely with merchants to resolve issues fairly.
16. Who do I contact for support?
PayZEz offers 24/7 merchant support via email, phone, and chat. A dedicated account manager is also available for high-volume merchants.
17. Can I enable only specific banks & tenures for Credit card EMIs?
Yes, you can request PayZEz Ez Helpdesk team to enable/disable specific banks and tenures as per your requirement.
18. How do credit cards and emis work?
Credit card EMIs leverage the existing Credit card workflow where your customer is first charged the entire product/cart amount on the card. PayU works with all the partner banks to ensure that this transaction gets converted to EMI. On PayZEz intimation the charge is reversed, and the customer starts paying the EMIs from the next billing cycle onwards.
19. What kind of offers can I run to promote this option & acquire more customers?
You can run the following offers on Affordability instruments: – No cost EMIs Low cost EMIs Instant Discount Cashbacks No/Low cost + Additional instant discount/cashback.
FAQs for Buyers
1. How can I process Refunds for Debit Card EMIs?
The refund process remains the same for Credit Card EMIs as is for other payment methods. You can process the refunds from the dashboard or integrate with PayZ Ez refund APIs. Please note that most banks only allow refunds to be processed within 30 days of the transaction.
2. What is PayZEz?
PayZEz is a secure payment gateway that allows you to pay merchants using Credit Cards, Debit Cards, UPI, and international cards.
3. Do I need to create a PayZEz account to make payments?
No. You can complete payments directly with your preferred method (card or UPI). No separate PayZEz account is required. Payments
4. What payment options are available for me as a buyer?
You can pay using: Debit Cards & Credit Cards (Visa, MasterCard, Amex), UPI (Google Pay, PhonePe, Paytm, BHIM, etc.), and International cards.
5. My payment was deducted, but the order is not confirmed. What should I do?
If the payment is successful but not updated at the merchant’s end, the amount is automatically reversed within 5–7 business days.
6. I entered wrong details, and the payment failed. Will I get a refund?
Yes. If the payment was deducted but failed due to incorrect details, your bank will refund the money automatically within 5–7 business days. Refunds & Chargebacks
7. How do I request a refund?
Refunds are initiated by the merchant. Please contact the merchant’s customer support. Once initiated, the refund will reflect in your account within 5–7 working days.
8. I want to raise a dispute or chargeback. What should I do?
If you didn’t authorize a transaction, contact your bank immediately. You can also inform the merchant, and PayZEz will assist in resolving the case. Security
9. Is it safe to pay through PayZEz?
Yes. PayZEz is PCI-DSS compliant and uses tokenization, encryption, and AI-driven fraud detection to secure your transactions.
10. Why am I asked for OTP every time?
This is part of RBI’s mandatory Two-Factor Authentication (2FA) for your safety. Support
11. I paid using PayZEz but have an issue with my order. Who should I contact?
Please contact the merchant first for order-related queries. If it’s a transaction issue, you can reach PayZEz support with your Transaction ID.
FAQs for Existing Merchants
1. How can I contact PayZEz support?
Visit our Help Center or raise a ticket via the PayZEz support portal.
2. How do I log in as an existing merchant?
You can log in using your registered email ID and password on the PayZEz Merchant Portal. If you forgot your password, click on ‘Forgot Password’ to reset it.
3. Can I update my business or bank details?
Yes, go to Settings → Business/Bank Details in your merchant dashboard. Updates may require document verification. Payments & Transactions
4. What types of payments can I accept through PayZEz?
You can accept Credit Cards, Debit Cards, UPI, Visa, MasterCard, Amex, and international payments.
5. How do I check the status of a transaction?
Navigate to the Transactions tab in your dashboard. You can search using date, order ID, or payment method.
6. What happens if a payment fails?
If a payment fails, the amount is auto-reversed to the customer’s account within 5–7 business days, depending on their bank. Settlements
7. When will I receive my settlement?
PayZEz processes settlements on a T+2 business days basis. Settlement timelines may vary depending on your bank holidays.
8. How can I track my settlements?
Log in to your dashboard → Settlements Section. You’ll see credited and pending amounts with complete reports. Refunds & Chargebacks
9. How do I issue a refund to my customer?
From your dashboard, go to Transactions → Select Order → Initiate Refund. Refunds typically take 5–7 working days to reflect.
10. What should I do in case of a chargeback?
You will be notified via email. Submit supporting documents within the given timeline through your merchant dashboard or support portal. Technical & Integration
11. Where do I find my API keys?
Go to Settings → API Keys. Use test keys for sandbox integration and live keys for production.
12. Does PayZEz support plugins or SDKs?
Yes, PayZEz provides easy-to-use APIs, SDKs, and plugins for popular platforms. You can find developer resources in the Developer Section. Security & Compliance
13. Is PayZEz PCI DSS compliant?
Yes, PayZEz is fully PCI DSS compliant and follows the highest security standards with tokenization and AI-driven fraud detection.
14. How do I ensure secure logins?
Enable Two-Factor Authentication (2FA) from your merchant account settings for extra security. Support
15. How do I contact PayZEz support?
You can raise a support ticket from your merchant dashboard or contact our 24/7 support team via email/helpline.
16. Does PayZEz provide dedicated merchant support?
Yes, PayZEz offers a dedicated merchant success team to help you with integrations, settlements, and business growth
FAQs for Partner
1. How do I get my incentives, are there any mandatory steps?
- Your profile – enter general details, verify PAN, Bank and KYC and upload necessary documents
- Merchants need to be transacting for you to earn incentives
- Raise a signed invoice with your KAM basis the incentives calculated on partner dashboard
- Once the invoice is approved, incentives will be credited to your registered bank account on 5th or 20th of every month.
2. Where can I view my incentives?
Your incentives are visible on the partner portal. Please find the documentation for incentives here: (add a incentives link)
3. When will the Customer Payments/ Settlements get credited into my account?
PayZEz offer T+2 working day Settlement Cycle by default, where T is the date on which the transaction is captured successfully. This means a payment captured on Monday will be credited to your bank account on Wednesday. Please note that settlements are not processed on banking holidays, 2nd and 4th Saturday. You can refer to the RBI’s bank holiday list.
4. How to become a PayZEz partner and start referring merchants/customers?
Step 01 – Visit (website link) and enter your details
Step 02- Once the signup is complete, you will get access to the Partner dashboard. You need a valid email address, Indian phone no to complete signup
Step 03 – Add your merchants’ details and invite them to complete their KYC
Step 04- Earn a fixed commission the first time a merchant transacts and continue earning a variable commission right through his journey with PayZEz
5. How often can I raise an invoice?
You can raise an invoice once every month. However, invoice payments only happen on 5th and 20th of every month.
6. How to create an invoice?
Go to the dashboard main menu and click on “Invoices”. Then click on “Create new Invoice” on the top right corner.
7. What is the benefit of being a PayZEz partner?
You get a steady monthly source of additional income from PayU for referring your customers to PayZEz Product suite
8. I want to refer merchants at non-default rates, what should I do?
Please reach out to your KAM if you want to onboard merchants at different rates.
9. I am not getting the incentives for some of my merchants, what should I do?
Please reach out to your KAM with details, and we will get back to you within 2 working days.