This page describes the various features provided by PayUmoney while your customer makes a payment. While some of the features may be available on all the checkout modes offered by PayUmoney, some of these features could be very specific to the checkout product being integrated. The details of these are discussed in detail in the following sections.
PayUmoney allows a customer to save his card details at the time of transaction so that for the next time he doesn't have to enter or remember card information at all.
Saved cards are very helpful to the users especially when they are transacting on a mobile devices while on the go. Success rates for transactions through saved are 8-12% higher than for other transactions.
While not having to enter the card details every time might sound convenient, the obvious concern will be about security. Here are the reasons that make saved card payments through PayUmoney secure.
Pretty much like the Nitro Boosters that allowed you to achieve unbelievable speed in your favorite racing game, we at PayUmoney can boost your success rates with our Nitro checkout flow.
In Nitro flow, we remove for your customer the pain of remembering and entering the login credentials, every time they try to pay online and thus quickly access their saved cards with PayUmoney. Using Nitro, our merchants have seen 6-7% increase in success rates.
How does Nitro Flow work?
As discussed in the saved cards section only card tokens are sent over the wire, while the original card information always lies safely within PayU's PCI-DSS compliant servers vaults.
PayU's Customer Mobile Browser is a mobile specific product that aims to make the entire payment experience a trivial process. It aims to smoothen out the experience of customers on bank's pages as they offer very little control and are usually mobile unfriendly. It ensures that user interaction on bank mobile pages is convenient. It automatically requests an OTP, reads it(only on Android) and fills it on behalf of the user making the entire process seamless and faster. It also helps boost conversion rates with features such as Magic retry, which allows users to retry a transaction from the point it last dropped.
PayUmoney offers a lot of flexibility to the merchants in terms of payment collection and settlements. While it always advisable to show the exact amount to the user throughout the transaction life cycle (unless obviously if the amount goes down), some business models require customers to pay the transaction charges based on the payment mode used. It is possible to configure rules to run discounts(sponsored by you or a partner bank of yours) or make a customer pay transaction charges for a particular payment method. The amount to be charged to a customer can be different for different payment modes like credit card, debit card, net banking or UPI.