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Payments

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Digital payments for small businesses in India with UPI QR, POS machine, and shopkeeper using smartphone
Payments

Digital Payments: Accelerating Growth for Small Businesses in India

The rapid development of digital payments in India is impressively high. The nation recorded an approximate 16,000 Crores digital payment transactions during FY 2023-2024, while in FY 2024-2025 (through January 2025), that figure will have surpassed 18,000 Crores. Digital payment transactions have gone from being considered a convenience to being essential forms of business across the nation. Small businesses (6.3 million+) in India have begun to experience how digital payments control the way they do…

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Cash Flow Management for SMEs in the digital era with fintech icons showing digital payments, savings, banking, and liquidity planning.
Payments

5 Practical Cash Flow Management Strategies Every SME Needs

While small businesses are growing and generating revenue on the revenue side of their income statement, the Indian digital economy has created challenges for SMEs in creating sufficient cash flow to remain viable in India. In fact, according to research conducted by CBI Research, 71% Indian SMEs have indicated that in order to cover basic operational costs in 2025 they will need to find new sources of capital or more cash or greater amounts of…

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Comprehensive e-commerce payment graphic linking global platforms like PayPal, Shopify, Amazon, and Flipkart around digital payments.
Payments

The Ultimate Guide to E-commerce Payment Processing in 2026

A customer presses “Pay Now.” At that moment, many systems activate: verifying identity, inspecting for fraud, translating and converting foreign currency, and reconciling with banks, among others. If one of these systems fails, the entire transaction can vanish forever, as will the customer. In 2023, merchants around the world processed over 3.4 trillion ecommerce transactions for an estimated total of $1.8 quadrillion. The most difficult part of this process is during checkout. With nearly 70%…

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What is E- mandate ?
Payments

What is e-Mandate (eNACH)? How It Works and Its Benefits

Do you regularly pay EMIs, utility bills, or insurance premiums? These payments are often deducted automatically from your bank account, offering a seamless experience. But managing these payments was once a manual, error-prone task. Enter eNACH and e-Mandates—innovations that revolutionized recurring digital payments in India. While the terms are often used interchangeably, there are key differences: e-NACH is regulated by the National Payments Corporation of India (NPCI). e-Mandates are typically managed by individual banks through…

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e-Mandate (eNACH) You Should Know
Payments

5 Practical Uses of e-Mandate (eNACH) You Should Know

In the past recurring payments were associated with missed due dates, penalties and other reminders throughout the process. However, with the ways payments are made in India, there has been a clear shift as a result of e-mandates on the payments stack. According to the Reserve Bank of India (RBI), retail digital payment transactions have increased from 162 crore (1.62 billion) in FY 2012-13 to over 16,416 crore (164.16 billion) in FY 2023-24. An almost…

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Payment Gateway Security: Protecting Your Business and Customers from Fraud
Business Banking

Payment Gateway Security: Protecting Your Business and Customers from Fraud

With the rise of digital payments like UPI, tokenization, and AI-powered transactions, the annual volume of digital payments processed in India surpassed Rs.18,500 lakh crore in FY2024. The expansion of convenience that comes with digital payments, however, has led to an increase in threats, phishing attacks and card-not-present fraud, among others, which are all becoming increasingly sophisticated at an alarming rate. Card Payment fraud losses around the globe has reached $34 billion in 2023, and…

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