Leveraging UPI for Faster Insurance Payments 

Traditionally, insurance premium payments relied on cash, cheques, or RTGS transfers, presenting numerous challenges such as delays and manual errors. UPI’s secure, real-time payment capabilities and user-friendly interface offer unparalleled convenience and efficiency to both insurers and policyholders. The seamless integration of UPI into insurers’ existing payment infrastructure also facilitates faster transaction processing and improved reconciliation processes, leading to enhanced operational efficiency and cost savings. 

PayU’s UPI integration uses the Immediate Payment Service (IMPS) infrastructure, ensuring round-the-clock availability. PayU’s solution simplifies the banking process, eliminating the need for cumbersome details like IFSC or account numbers. Instead, policyholders can simply enter their mobile numbers to map their accounts, facilitating hassle-free payments.

As insurers continue to harness the power of UPI to streamline insurance premium payments, the future of insurance transactions promises to be characterized by greater speed, security, and simplicity. PayU’s UPI solution offers insurers and policyholders a seamless and efficient method for premium payments. 

Click here to learn how to get PayU’s web integration for UPI. To learn about PayU’s other payment solutions for insurance businesses, go here.

The post Efficient Insurance Premium Payments: PayU’s UPI Solution appeared first on PayU Blog.

• Introduction
• Understanding Payment Challenges for Travel Businesses
• PayU’s Integrated Travel Payment Platform for Seamless Bookings
  • Diverse payment solutions for enhanced convenience
  • One-stop affordability solution to reduce CAC
  • Dynamic currency support for enhanced international travel bookings
  • Minimal friction for maximum conversion
  • Smoother cancellations and refunds for more stickiness and cost savings
  • Improve finops and cashflow with PayU
• Envisioning the Future of Travel Bookings with PayU

Today, online travel booking has solved many of its traditional counterpart’s challenges. However, travel businesses still struggle to meet their digital customers’ diverse needs. Especially when it comes to payment challenges for travel businesses, streamlining them can help you deliver the smoothest customer experiences and increase sales.

Understanding Payment Challenges for Travel Businesses

The challenge for travel businesses isn’t just making travel bookings possible, but easy. High cart abandonment rates and drop-offs due to inconvenient customer payments make scaling more challenging for travel businesses. Inversely, the intricate process of managing payouts to multiple vendors and partners presents another obstacle. The involvement of numerous service providers and complex payment chains.
Some common payment challenges travel businesses face include:

• Simplifying pre- and post-travel payments for their customers, like advanced bookings, instant bookings, refunds, and cancellations.
• Cart abandonment and maintaining competitive pricing.
• Facilitating international payments and minimizing losses incurred in conversion.
• Mitigating fraud and payment errors.
• Ensuring seamless integration with third-party platforms for a unified customer experience.
• Enhance loyalty and brand affinity.
• Efficiently managing settlements and maintaining cash flow.
• Complex payouts to vendors and partners.

The global travel industry is projected to reach $15.5 trillion by 2033, with the Indian share growing to $34 billion by 2028. Providing a seamless payment experience can translate to more profits and happier customers for your travel business.

PayU’s Integrated Travel Payment Platform for Seamless Bookings

The world is on a digitalization streak; any growth here on will be digital-led. Especially the future of payments is digital, not just in travel but in any industry. PayU offers a payment gateway for travel businesses with the highest transaction success rate of 99.98% and direct integration with all major banks. Its payment solutions are trusted by more than 5 lakh businesses across industries.

Let’s dive into how PayU’s payment solutions can solve critical challenges for your travel business:

Diverse payment solutions for enhanced convenience

PayU revolutionizes the customer payment experience by offering diverse payment options. No matter the geography or demography of your customers, accept digital payments anytime from anywhere. Give your customers the convenience of paying with over 150 payment modes like UPI, credit and debit cards, wallets, net banking, etc.

One-stop affordability solution to reduce CAC

Besides a wide range of choices in payment modes, customers also demand affordability so they can travel without burning a hole in their pockets. PayU’s Affordability Suite includes flexible payment options like Buy Now Pay Later and EMI from all issuers with real-time tracking. Breaking down big payments can make travel more affordable for your customers.

Using Offer Engine, you can sweeten the deal with custom offers and discounts. And, tools like Affordability Widget ensure customers see the most relevant payment options first directly on product pages, even before checkout. In turn, your sales go up and customer acquisition costs come down.

Dynamic currency support for enhanced international travel bookings

Grow your customer base beyond borders by accepting payments in 130+ currencies. PayU’s dynamic currency conversion features allow customers to transact in their local currencies and you receive settlements in INR. It eliminates customers’ concerns regarding the exact amount to be paid, exchange rates, and hidden charges, while you get full clarity on their settlements.

Minimal friction for maximum conversion

A major differentiator in a customer’s payment experience is determined by factors like cumbersome steps, redirects, and unfriendly bank pages. Token Hub securely tokenizes customer data on saved cards and Native OTP prevents redirection to external payment pages so customers can experience a branded payment experience right within your app or website.

Smoother cancellations and refunds for more stickiness and cost savings

Making travel bookings is one part of the customer journey. The other end entails cancellations and refunds. Streamlining such crucial processes can help you reduce costs and enhance customer trust. Auth and Capture is a tool that allows you to block customers’ funds and only capture them when they avail of the booked services.

During this time, if a customer cancels their booking or requests a refund, it can be initiated instantly. This also allows you to process bookings without having to pay TDS on receiving and returning the amount. You can also convert refunds into coupons and wallet recharges to increase customer loyalty. You can also issue cashback, referral bonuses, and partial redemption on wallets.

Improve finops and cashflow with PayU

Using a payment gateway for travel agencies that offer instant settlements allows you to have a steady cash flow. This makes capital available for operational expenses like making advanced bookings. PayU’s Priority Settlement allows you to receive settlements as soon as T+15 minutes. Then, Split Settlements allows you to automate payments to multiple vendors simultaneously. Streamlining vendor payments fortifies partner relationships, laying a solid foundation for operational excellence.

Envisioning the Future of Travel Bookings with PayU

As the travel industry continues to navigate the complexities of global digital transformation, the role of seamless payment experiences cannot be overstated. PayU stands at the forefront of this revolution, empowering travel businesses with the tools to enhance customer transactions and optimize business-to-business payouts. With PayU, the future of travel booking payments looks not just promising but boundless, promising a world where every booking is a doorway to adventure, unencumbered by payment challenges.

For travel businesses aiming to reach new heights, click here to begin your journey with PayU.

The post Enhancing Travel Bookings with PayU’s Payment Solutions appeared first on PayU Blog.

PayU Payments: Ensuring seamless transactions 

PayU recognizes the importance of these peak seasons when partner transactions hit their zenith. In the run-up to the festive sale season, PayU Payments, one of India’s leading payment gateways, steps up to the plate to ensure that partner brands enjoy a hassle-free experience when processing transactions.  

PayU Payments has honed its expertise in understanding the nuances of the Indian market. With a robust and secure payment infrastructure, they offer a range of payment solutions that are tailored to meet the diverse needs of businesses, be it startups, SMEs, or established enterprises.  

This level of customization allows brands to offer a seamless payment experience to their customers, which is vital for customer satisfaction and retention during the festive sale season. They also offer 24×7 monitoring and fraud prevention mechanisms, making the payment process secure and trustworthy. 

For an in-depth look at how PayU Payments prepares for the festive sale season and ensures smooth payment experiences for partner brands, watch these BTS videos.  

• The Inside Scoop by PayU | Preparations before the festive sale season

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• The Inside Scoop by PayU | The War Room story

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Get a glimpse behind the scenes and see how our dedicated team works tirelessly to make the shopping experience enjoyable for both businesses and consumers.

The post Festive Sale Season Success: How PayU Payments Delivers Smooth Payment Experiences for Partner Brands appeared first on PayU Blog.

Payments on WhatsApp Business powered by PayU 

PayU and Meta have joined forces to create an end-to-end shopping experience right on the WhatsApp Business platform. From discovering awesome products to collecting payments, everything happens seamlessly within WhatsApp. What’s more, your customers can choose from various payment options, including UPI, net banking, cards, and wallets, all without leaving the chat.  

This fantastic feature is available to all businesses in India using the WhatsApp Business platform. It’s a game-changer, allowing businesses to offer their customers a seamless shopping experience within WhatsApp. It reduces friction in the checkout process and increases customer conversion. It’s faster, more convenient, and eliminates the need for redirection between apps or websites. 

Benefits of WhatsApp commerce with PayU 

For businesses 

• Businesses can provide a seamless end-to-end shopping experience within WhatsApp. 
• Offer diverse payment options, including cards, UPI, net banking, and more. 
• Easy setup by connecting your PayU account to start accepting payments directly on WhatsApp. 

For customers

• Choose your preferred payment method to complete your purchase without any hassle. 
• Get instant payment confirmations, view offerings, track your order, and check transaction history, all on WhatsApp. 
• Easily discover and reconnect with businesses you’ve recently transacted with. 

How to enable PayU payments on WhatsApp Business 

Enabling PayU payment solutions on WhatsApp Business is a breeze. All it takes is: 

1. The WhatsApp Business API to integrate payments into the platform. 

2. An active PayU account. 

We’ve made integration super easy by enabling all major Business Solution Providers (BSPs) in the country, reducing your effort significantly. 

Ready to get started? Set up PayU payments on WhatsApp Business now! 

Sell where your customers are 

The popularity of social platforms like WhatsApp is ever-increasing. The simplicity of the platform coupled with the power of online payments makes up a shopping experience that leads to higher reach, purchase volume, and brand value. 

Say goodbye to cart abandonment and hello to closing every sale right in the chat. It’s an exciting time for e-commerce, and we can’t wait to see how your business soars to new heights with WhatsApp and PayU. 

Get ready to turn conversations into conversions like never before! 🚀 

Learn more.

The post Turn Conversations into Conversions with PayU Payments and WhatsApp Business appeared first on PayU Blog.

But starting and running a business takes immense effort and diligence.

• Setting up a business requires a great deal of paperwork, taking your business to the right social and e-commerce platforms, and putting payments and payouts in place.

• Running a business has many aspects, such as logistics, inventory and order management, and gathering working capital for daily operations.

• Growing your business may entail going to new locations and expanding into new verticals

PayU for MSME growth: Solutions and partnerships that can help you set up and scale

Over the years, PayU has built the right partnerships and expertise that make us the most reliable partner for any business at any stage of its growth journey. While we take care of your digital payment needs, we have a network of industry-leading partners to take care of almost any aspect of your business. Here are PayU solutions and partners that enable MSME growth:

• No online store? No worries. Even before you get a website and online store for your business, you can easily collect payments using payment links generated from the PayU dashboard.

• Deliver your products far and wide with logistics partners like Delhivery and Shiprocket. What’s more? These partners can help you unlock the convenience of converting cash on delivery to digital payments with UPI, QR codes, payment links, etc.
• Your working capital needs will be taken care of with easy access to collateral-free credit within the PayU dashboard
• Seamlessly connect your PayU account with efficient and user-friendly accounting tools like Zoho Books and Tally to sort your accounting books to the T. This way, you can directly add payment links to invoices for easy tracking and reconciliation.
• When you go global, accept international card payments to win customers worldwide.
• Easily integrate with platforms like Haptik and Interkart to set up WhatsApp commerce that can reduce cart abandonment and improve conversion.

In conclusion

Being a business owner may be challenging, but choosing the right partners can take much of the burden off your shoulders. With the right partners, you can leave the daily operations to them so you can focus on taking your business to newer heights.

The post Set up to Success: PayU’s Expertise and Partnerships Help MSME’s Realize Their Biggest Dreams appeared first on PayU Blog.

Here’s everything you need to know about ONDC and Vansh’s experience on the network.

What is ONDC? Did you hear about it?

ONDC, or Open Network for Digital Commerce, was set up by the Government of India’s Department for Promotion of Industry and Internal Trade. It is a private non-profit company founded in April 2022. It is an open network made of open protocols. Like the Unified Payments Interface (UPI), ONDC allows sellers and buyers to be part of a larger network that can be accessed through their preferred e-commerce applications and platforms. Any seller on a platform registered with ONDC will be visible to buyers across other platforms on ONDC.

The network aims to:

• Enable interoperability through data sharing over all registered platforms to boost inclusivity and healthy competition
• Promote e-commerce on the back of minimal public digital infrastructure
• Be scalable, keeping India’s growing population in mind
• Ensure data localization within India to secure seller and buyer data
• Make digital commerce more accessible to small businesses in any part of the country
• Improve buyer experience and improve decision-making with increased choices and pricing options
• Be conducive to innovation in digital commerce

The network allows local goods and service providers from any segment, like logistics, travel, eateries, groceries, and fashion, to fulfil buyers’ needs quickly and transparently. Take Vansh’s example. When his local buyers place orders, he delivers them the same day. This improves customer satisfaction, as his buyers don’t have to wait for days to get their orders.

ONDC aims to unify all digital commerce platforms and buyers rather than directly competing with them. However, interconnectedness and decentralization can help tackle big players’ monopolization of specific market segments. This will also allow smaller businesses and platforms to get a level playing field in the Indian e-commerce ecosystem.

How to register your business with ONDC?

ONDC is already present in over 270 cities like Delhi, Bengaluru, and Coimbatore and will soon be available in other parts of the country. There is no specific ONDC app currently, but an ONDC website exists. Any business, big or small, can join the ONDC to leverage the power of e-commerce for its growth. Here is the 10-step process for joining the ONDC:

1. Learn more about ONDC and its functioning
2. Choose the role you want to play on the network
3. Fill up and share your participation form
4. Plan the implementation after completing the NP profile form
5. Initiate implementation after completing the onboarding formalities
6.  Start testing the staging
7. Complete verification and certification
8. Complete technological development and compliance to move on to the Pre-Production Environment
9. Meet all the technical, operational, and regulatory compliance checklists to move to the Production Environment
10. Go live

Click here to learn more about the ONDC registration process.

Why get on ONDC? Benefits for sellers and buyers

Technologies enabling e-commerce have completely changed how goods and services are sold and bought. It also creates space for numerous other stakeholders, like e-commerce platforms and payment aggregators, that make doing business and buying much easier and seamless. ONDC allows all these players to interact on an open, decentralized network to make e-commerce more robust in India.

Here are the broader benefits of joining ONDC for sellers and buyers:

• Sellers
  • Take your business online with minimal set-up costs
  • Become visible to more buyers
  • Improve product discovery
  • Lower your cost of doing business even while expanding
  • Get more options for business services like software tools, logistics, packaging, etc.

Let’s build on the earlier example from Vansh’s business. One-day delivery within the same city is a standard expectation today. But what about fulfilling orders from locations other than where your business is situated? Vansh had the foresight to tie up with a logistics partner he found through ONDC. Now, he provides fast and reliable deliveries even outside his city. His buyers can track their orders and get timely alerts, increasing customer trust and loyalty.

• Buyers
  • Discover more sellers and their offerings, increasing choices
  • Get quality products and services with speed through local sellers
  • Better customer experience due to improved service and transparency

Transforming e-commerce in India

ONDC is a big step in addressing the gaps and challenges related to e-commerce models other than those based on an open-network system. As mentioned, it establishes merchant-friendly practices and provides massive opportunities for businesses of all sizes and types to benefit from digital commerce. This allows even the smallest businesses in India’s remotest parts to participate in its e-commerce revolution.

The post ONDC: The Future of Inclusive E-Commerce in India appeared first on PayU Blog.

MSME challenges to accessing credit 

The majority of MSMEs in India are in rural areas, and many are involved in services. They don’t always have assets like offices or equipment. Without proper documentation of proof of business and collateral, it is difficult for MSMEs to get secured loans. MSMEs may also lack a well-established credit history or operating history, making it difficult for banks to gauge their creditworthiness. Their challenges also include meeting strict eligibility criteria, lengthy and cumbersome application processes, and high interest rates.  

Depending on their location, industry, and other granular factors, MSMEs may also face challenges unique to their individual businesses. Traditional banks may cannot usually cater to such specific requirements or disfavor small-ticket loans due to high operational costs and lower returns. This pushes MSMEs to resort to informal credit sources with very high borrowing charges and repayment terms, making them more vulnerable to financial risks. 

Limitations of Traditional Lending 

MSME’s lending challenges are directly related to the limitations of traditional lending structures. Traditional banks need to catch up to MSME’s evolving credit needs and preferences. The major limitations of traditional lending structures are: 

• Lack of flexibility: Whether it is types of credit products or repayment terms, traditional lenders may not have the technological capability to adapt quickly to MSME credit needs. 
• Long loan processing time: Banks typically take a long time to process loans. MSMEs typically have limited time and resources, and delays in getting financing can have a significant impact on their business operations. 
• Lengthy documentation: Traditional lenders usually require hefty paperwork to provide loans, often leaving MSMEs feeling frustrated and disempowered. 

• Lack of transparency: Not providing adequate details about credit products makes it harder for businesses to compare and make informed decisions when looking to borrow. 
• High charges: Charges such as interest rates, processing fees, etc., may be high, as traditional lending processes generally involve high operational costs. 

Imagine this scenario: A small business less than a year or two old with close to no credit history applies for a loan worth 50 lakhs. First, they may not have enough data about the business’s finances or credit history. They may also be unable to provide substantial evidence of the business’s growth potential. Even if this business is eligible for the loan, the bank may take weeks to process the application and release the funds. Thich means crucial time to react to changing market scenarios or urgent business needs is simply lost. 

Advantages of fintech-based MSME lending 

Fintech companies leverage technologies like artificial intelligence, machine learning, and big data analytics to assess credit risk and streamline the lending process. Here’s how fintech lending help overcome the MSME credit gap: 

• Paperless and contactless processes enable quicker loan approval and disbursal times. This even allows MSMEs in remote parts of the country to get fast, reliable credit. 

Suppose you have an MSME based in a far-off village in North East India. It will be much easier for you to get credit from a fintech company as it may have a smooth online onboarding process that includes digital documentation and video KYC. 

• They can develop innovative, easy-to-use, and tailored credit solutions based on MSMEs’ specialized capital needs industries, such as real estate, technology, and healthcare. 
• With fintech lending, you can typically apply for a loan online in just a few minutes and receive a decision within hours or days. This, combined with the lower overhead costs associated with online financing, makes fintech lenders an attractive option for MSMEs looking to access capital quickly. 

• They require minimal documentation, making it easier for small businesses with limited credit and operational history to access credit. 

Fintechs have the ability to provide a more nuanced assessment of your business’s creditworthiness. They use data such as transaction history to predict a business’s future cash flow potential. Using this, they can gauge a business’s financial health and potential for growth and quickly provide small-ticket loans for urgent capital needs. 

• They can identify targeted financing opportunities for MSMEs, helping them fuel their business growth when needed. 
• They can partner with banks to help MSMEs avail of big-ticket loans. 

Banks have wider networks and lending capacity. Fintechs have the technology for alternate credit assessment methods and improved customer experience. By combining their strengths, fintech companies can facilitate the last-mile delivery of lending services to underserved MSMEs. 

• Fintech lending also offers greater transparency and flexibility, with many lenders providing clear information about their loan products, interest rates, and fees. You can easily compare offers and choose the financing option that best meets your business’s unique needs and circumstances. 

Lending-first approach to closing the MSME credit gap India 

Fintech companies that follow a lending-first approach can effectively address the unique challenges associated with MSME lending. It combines crucial factors such as a business’s intent to borrow, credit score, profitability, reach, scalability, and ability to adjust to changing market scenarios. This includes developing innovative credit assessment models that holistically evaluate the credit risk associated with small businesses, streamlining the application process to reduce delays and administrative burdens, and offering transparent, flexible MSME financing options that are more accessible, secure, and fuel their growth. 

The post How Fintechs are Paving the Way for Effective MSME Lending appeared first on PayU Blog.

 Let’s break it down to understand what this move means for banks, businesses, and end-consumers. 

How does offering credit lines via UPI to consumers affect banks? 

As mentioned earlier, banks don’t need to issue credit or debit cards to provide customers with this type of credit line. One, this saves them a significant amount in disbursal and distribution costs. This move also allows banks to develop new-age credit products catering to consumers’ evolving needs. Third, banks can extend this offering to non-customers (potential customers) using their interface to make UPI transactions. 

How does offering credit lines via UPI to consumers affect businesses? 

Suppose you are a business that already accepts UPI payments from customers. Basically, having the option to pay for purchases using credit lines via UPI makes buying extremely convenient and more affordable for your customers. This can mean higher revenue for your business by increasing sales, ticket sizes, and customer delight. 

How does offering credit lines via UPI to consumers affect consumers? 

Consumers, especially those who find it difficult to get traditional credit, will significantly benefit from this move. This is because credit lines via UPI use modern, alternative methods to determine one ‘s creditworthiness. They also don’t need to hold a credit or debit card to avail themselves of this credit product. It also rids them of the need to carry multiple credit and debit cards. Lastly, they get the convenience of UPI and the advantage of credit to fulfil all kinds of purchasing needs. 

Let’s sum it up with an example 

ABC Bank is offering pre-approved credit lines of up to Rs 50,000 to their existing and potential customers. They look at data like transaction and credit history linked to bank and UPI accounts to create a list of customers eligible for this offering. Now, merchant XYZ already accepts UPI payments for purchases on their online store. This merchant starts allowing their customers, who are also customers of ABC Bank, to purchase products using credit lines via UPI. The customers are very happy as they now have better purchasing capacity and the convenience of digital payments to buy their favorite products. Even the bank and merchant are happy as this leads to more business. 

The post RBI Approves Using Credit Lines via UPI: Everything You Need to Know appeared first on PayU Blog.

What is the NPCI circular on UPI interchange fees about? 

The National Payments Corporation of India (NPCI) announced that up to a 1.1% interchange fee will apply to Unified Payments Interface (UPI) transactions made using prepaid payment instruments (PPIs) like smart cards, vouchers, and wallets. This applies to prepaid transactions via UPI above Rs. 2000 made to merchants of all categories. However, the decision mainly affects medium- and large-category merchants accepting high-value transactions.  

The interchange fee varies from 0.5-1.1% depending on merchant categories. Categories such as agriculture, education, fuel, and utilities will attract a 0.5% interchange fee. And categories such as specialty retail and convenience stores will attract a 1.1% interchange fee. 

What is an interchange fee? 

An interchange fee is a fee merchants have to pay when a consumer transacts with them using a digital payment mode. It is similar to merchant discount rates that apply to credit card transactions.  

Whom does it affect? 

Typically, the interchange fee is borne by the merchant. Suppose a consumer purchases an item worth over Rs 2000 from you using a digital wallet via UPI. You will have to pay an interchange fee to the payment service provider for this transaction. 

Consumers will only be affected if a merchant or PPI decides to pass on the extra cost to them. 

Will recharging digital wallets come at a cost? 

PPI issuers will have to pay 15 basis points to the remitter bank for wallet-loading amounts over Rs 2000. Consumers and merchants using digital wallets via UPI will not have to bear this cost yet. If payment providers decide to pass on this cost to users, recharging wallets will become chargeable.

How does this help payment service providers? 

Usually, UPI transactions bring no to very low revenues. The decision to make certain UPI transactions chargeable will give a much-needed impetus to payment service providers in the form of additional revenue.

We are keeping an eye on how the decision to make certain UPI transactions chargeable. Watch this space for more updates. 

The post NCPI interchange fee: UPI payments will come at a cost. How does this affect you? appeared first on PayU Blog.

Yes, digital payment modes like UPI are extremely useful and secure. Being careful when transacting online is important to avoid unnecessary inconveniences or fraud. But if you ever make a mistake while transacting via UPI, don’t worry.  

Follow this step-by-step guide on UPI dispute redressal mechanism by the National Payments Corporation of India (NPCI).

X Steps of NPCI’s UPI dispute redressal mechanism 

Step 1 – Immediately raise a complaint regarding the UPI transaction on the Payment Service Provider (PSP) or Third-Party Application Provider (TPAP) apps. 

Step 2 – To do so, select the UPI transaction on the app and raise your concern. 

Step 3 – If your complaint is not resolved soon, escalate the matter to the PSP bank, followed by the bank where you hold the related account, and finally, the NPCI. Register a complaint with the NPCI from here. 

Step 4 – If there is still no remedy, contact the Banking Ombudsman and/or the Ombudsman for Digital Complaints. 

Step 5 – Check for updates from the PSP or TPAP regarding the status of your complaint on the relevant app. 

Safe UPI practices save money

UPI is one of the most popular payment modes in India today. The Reserve Bank of India (RBI) advises all consumers and businesses to stay aware to prevent online payment mishaps. To safeguard consumers against payment frauds and mistakes, the NPCI has also provided UPI Safety Shield safety tips for transacting via UPI.

Read more about UPI Safety Shield here.

The post Made a UPI Transaction Mistake? Here’s How to Get Your Money Back! appeared first on PayU Blog.