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Payments through your own gateway, with no fee on sales

Take payment through your own Razorpay, Stripe, PayPal, Cashfree or PayU account, by UPI to your own UPI ID, or cash on delivery. The money goes straight to you and SmartMy takes no fee on sales. An order is confirmed only when the full amount is paid.
PLANSFrom Growth
Compare plansHow it works

The problem it solves

  • Your shop platform takes a cut of every sale on top of the gateway's charge.
  • You already have a Razorpay or PayU account, but the website wants its own.
  • Small buyers want to pay by UPI or cash on delivery, and the site offers only cards.
  • An order is marked paid because the buyer came back to the site, not because the money arrived.

How it works

  1. A Website Manager opens the editor, Shop tab, Payments, and presses + Add a way to pay.
  2. They pick the service, the name buyers see (such as UPI, cards and wallets), and paste the keys from that service's dashboard.
  3. Every new way to pay starts in Test mode. Place a test order, then switch Test mode off.
  4. At checkout the buyer picks a way to pay. Card, wallet and net banking go to the gateway's own page or window.
  5. SmartMy checks the gateway's answer with your secret key and asks the gateway for the amount. Only a full match confirms the order and marks it Paid.
  6. UPI orders show a QR code with the amount; you confirm the order when the money is in. Cash on delivery orders are confirmed at once.

Everything it does

Ways to pay

  • Razorpay: Key ID and Key Secret, optional webhook secret
  • Stripe: Publishable key and Secret key, optional webhook secret
  • PayPal: Client ID and Secret
  • Cashfree: App ID and Secret Key
  • PayU: Merchant Key and Salt
  • UPI / bank transfer: your UPI ID for the QR code and instructions for buyers
  • Cash on delivery: instructions for buyers

Each way to pay

  • Shown to buyers as: a name such as UPI, cards and wallets
  • Test mode (no real money): on for a new one; checkout shows a Test mode note
  • Only for orders up to: hides it above an amount (0: always), for example cash on delivery up to 5,000
  • On or off, and the order they show in
  • As many as you like at once; buyers choose

Keys and checks

  • Keys are only ever written: they are never shown again, and empty fields keep the old ones
  • Secret keys stay on the publishing server and in SmartMy, never in pages
  • Only Website Managers add or change payment accounts; editors see the list without keys
  • Amounts come from SmartMy, never from the browser
  • A payment that does not match the order's total and currency is noted on the order and not confirmed
  • Razorpay and Stripe also confirm through their webhook when the buyer does not come back to the site

On the order

  • Online Payment: Not Paid, Waiting, Paid or Failed
  • Paid With and the Payment Reference from the gateway
  • An unfinished online payment gets one reminder email two hours later

Who uses it

Website ManagerAdds payment accounts, keys and limits, and switches test mode off.
Shop staff with Sales rightsConfirm UPI orders when the money is in and handle refunds.
BuyerPicks a way to pay and pays on the gateway's page, by UPI, or on delivery.

Where you use it

  • Web: the editor's Shop tab, Payments
  • Your website: the checkout and the order page (UPI QR code, Pay now)
  • Web: the sales order's Website tab, Payment group
  • Not inside SmartMy: refunds are made in your gateway's dashboard

What you control

Settings

  • Test mode: on for each new way to pay
  • Shown to buyers as: UPI, cards and wallets for a new one
  • Only for orders up to: 0 (always)
  • Webhook secret: optional, Razorpay and Stripe

Notifications

  • Website Order Paid: to the buyer by email, and to the people who follow the website by email, in-app and push
  • Website Order Placed: a UPI or cash on delivery order, to the people who follow the website, by email, in-app and push
  • Unpaid Cart Reminder: to the buyer, once, two hours after an unfinished online payment, by email

Questions

Does SmartMy take a percentage of our sales?

No. The buyer pays into your own gateway account, UPI ID or hand, and SmartMy takes nothing. Your payment company charges its own fee as usual.

Has this been run with real money?

Not yet. Cash on delivery and UPI orders were run end to end on our test systems. Each card gateway is built to its published interface, and we test yours with you in test mode before go-live.

What if a buyer closes the window after paying?

With Razorpay or Stripe and a webhook secret, the gateway tells your site directly and the order is confirmed. With the others the buyer must return to the site, so check the gateway's dashboard for payments on Waiting orders.

Can we refund from SmartMy?

Not yet. Refund in your payment company's dashboard and record it in SmartMy as usual.

Related features

SELLING AND MEMBERSOnline shop on your websiteSell your products on your own website: a shop page, a page for each product, a cart and a checkout. Each order arrives as an ordinary sales order in your SmartMy records, with the payment, delivery and discount on it.SELLING AND MEMBERSOrder tracking, receipts and buy againEvery order gets its own page: steps from placed to delivered, the tracking link, a receipt with your tax number, and Buy it again. Your team marks it sent and delivered on the sales order, and the buyer is emailed each time.BRANDS AND LARGER SHOPSAutomatic payments with a saved card or UPI AutoPayRepeat orders and membership renewals are charged by themselves to a saved card or UPI AutoPay, through your own Razorpay or Stripe account. The buyer is told the amount and the date before each charge, and failed charges are tried again.BRANDS AND LARGER SHOPSEMI plans on product pagesShow monthly instalment plans on your dearer products: the months, the interest, the no-cost months and the lowest monthly amount. The buyer then chooses EMI on your payment company's page.BRANDS AND LARGER SHOPSSell in more currenciesShow prices and take payment in more currencies than your own. Each currency has its own price list, or your prices at today's rate, and visitors switch currency or get theirs by country.SELLING AND MEMBERSOffers box on product pagesShow your current offers on every product page: the codes you choose, each with a copy button, and lines such as bank offers. Checkout always checks the code again.

See your business on a real design.

Tell us what you do and what the site needs to do: bring enquiries, take bookings, show your work or sell. We will start your site from the closest design with you.
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