DirecPay

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DirecPay is one of the first Indian payment gateway services. It started in 2008 and is run by TimesofMoney. It operates under the Times Group, one of India's leading media conglomerates. Based in Mumbai, it delivers a full range of payment solutions for Indian merchants. They handle credit and debit card processing. They also manage net banking, mobile payments, and IVR transactions. The platform was created by developers for small and medium-sized businesses (SMEs) and online shops. 

This supplier uses advanced fraud detection and risk management tools. This setup ensures secure transactions for both merchants and customers. DirecPay gives real-time analytics and reports. This allows online businesses in India to keep an eye on transactions and see how customers behave. Its simple interface and great support make it easy. Vendors can rapidly configure and control their digital payment infrastructure.

CharacteristicDetails
RegionsIndia
Getting startedOnline application via TimesofMoney
Setup Fee₹7,500 (may vary by plan or negotiation)
Annual Fee₹1,200 – ₹2,400
Commission per transaction2% – 3.25% depending on volume/type
Payment methods acceptedCredit Cards, Debit Cards, Netbanking, Wallets
Fraud & Risk managementYes – in-built tools by TimesofMoney
Accepted CurrenciesINR
Set up typeHosted solution, API integration
Onboarding & Approvals time5–7 working days
Recurring Billing AvailabilityYes
Charges on RefundsYes – Refund charges applicable
SDK StacksAPI, Java, .NET, PHP
Settlement timeT+2 days
Payouts supportYes
Split paymentsNo
RegionsIndia
Getting startedOnline application via TimesofMoney
Setup Fee₹7,500 (may vary by plan or negotiation)
Annual Fee₹1,200 – ₹2,400
Commission per transaction2% – 3.25% depending on volume/type
Payment methods acceptedCredit Cards, Debit Cards, Netbanking, Wallets
Fraud & Risk managementYes – in-built tools by TimesofMoney
Accepted CurrenciesINR
Set up typeHosted solution, API integration
Onboarding & Approvals time5–7 working days
Recurring Billing AvailabilityYes
Charges on RefundsYes – Refund charges applicable
SDK StacksAPI, Java, .NET, PHP
Settlement timeT+2 days
Payouts supportYes
Split paymentsNo

Pros

  • Provides an overnight integration feature. This lets businesses accept online payments within a day of signing up
  • Serves as one of the first Indian payment solutions providing a credit card payment, debit cards, net banking or mobile payments
  • You can monitor payment transactions in real time with MIS access. You can also track dropped transactions easily

Cons

  • Mainly supports INR, which might not be great for businesses using many currencies
  • Lacks split payment functionality. This may limit marketplaces or platforms that need it

Advantages to drive your online business with DirecPay

This option offers merchants in India an easy and complete set of tools. They will help businesses with processing of integrated online payment gateway solution:

  • Diverse payment options. Accepts mobile payments along with credit/debit cards and net banking. ​
  • Seamless integration. Works with major e-commerce provider platforms such as Magento, OpenCart, Joomla, and CS-Cart. This makes configuration setup easy. ​
  • Mobile accessibility. Offers mobile apps for Android and iOS. This mode helps merchants manage transactions while on the move. 
  • Rapid onboarding. Lets businesses accept payments fast, usually within a day of signing up. 
  • Customizable checkout. Lets you customize the payment gateway interface. This keeps your brand consistent and improves user experience. 
  • Advanced security measures. Implements robust fraud detection and risk management tools, ensuring secure transactions. ​
  • Additional services. Offers domain registration, hosting services, and online store marketing tools. These include SEO and PPC advertising to help businesses grow.
  • Channel partner program. Provides chances for businesses to grow their services and increase revenue by partnering. ​
  • Live data tracking with comprehensive reporting tools. Provides detailed reports and analytics. It gives insights into transaction trends and customer behavior. ​
  • Recurring billing support. Offers a range of subscription services with options for automatic recurring transfers. ​

It is a versatile and reliable platform for businesses in India.

Proper Way How to Manage DirecPay

DirecPay usage in your online enterprise makes transfers safe and efficient. It provides an easy setup process, whether you run an e-commerce site or a service-based website. Here’s a step-by-step guide for successful start:​

  1. Visit the official website, then fill out the registration form with your business details for verification.
  2. Submit the necessary documentation like your business registration, bank account information, identification proofs etc.
  3. Once approved, access your merchant dashboard to retrieve your API keys and integration details.
  4. Add the DirecPay's payment gateway to your website or app using the APIs or available plugins. Make sure your platform is compatible for smooth functionality.
  5. In the dashboard, set up your payment preferences. Choose which payment methods to accept, define transaction limits, select your preferred currency.
  6. Run test transactions in DirecPay’s sandbox environment to confirm that the integration works securely.
  7. After testing is successful, go to the live environment. Then, start processing real transactions securely.

This innovative integration makes transactions easier. It helps earn customer loyalty, which contributes to scaling your business.

Opinion from the Expert Perspective

After the analysis we can state that it is perfect for small to mid-sized businesses. It provides core functionalities through a user-friendly design. Its smooth integration options make it great for e-commerce platforms and service websites in India.

This service is secure. It meets key industry standards by being PCI DSS compliant. Also, it uses SSL encryption to keep data safe during transactions. It integrates automatic tools to detect fraud and manage threats. This helps merchants lower chargebacks and keep customer data safe. It gives businesses what they need: 

  • Accepts multiple transfer methods, including cards, netbanking or wallets;
  • Supports recurring billing for subscription-based services;
  • Provides real-time reporting and transaction analytics;
  • Mobile-friendly, allowing access and management on the go;
  • Simple setup process, even for merchants with limited technical skills;
  • Offers customizable checkout pages to match business branding and maintain consistency.

It has strong infrastructure and is supported by a well-known media group. However, customer support can be limited on weekends. The platform stands out for Indian businesses. Its dependable performance, fair pricing, and simple features make it an excellent option for safe online payments.

Customer Feedback

​User feedback offers valuable insights into its performance and reliability. Mix of opinions gives a comprehensive view of what to expect when using DirecPay:​

  • Shivaji Mitra — “DirecPay provides a very easy-to-use interface for Indian traders. Getting information on transactions and reports is easy even in the Indian language.”
  • Kunal G — “I don’t trust any online method or platform, but when I used DirecPay, I was very impressed with its security.” ​
  • Chetta Chettha — “Multiple payment options gives merchants in India an easy-to-use interface but DirecPay has a unique overnight integration feature, with highly secure payment, which I prefer.”

These testimonials reflect the strengths in user experience and security, as well as its swift integration capabilities. However, it's important to consider all aspects and conduct thorough research to determine if it aligns with your specific business needs.

Security & Safety

It focuses on strong security to make online transactions safe and reliable for Indian businesses. The platform follows the Payment Card Industry Data Security Standard (PCI DSS). This is a global guide. It requires secure handling of cardholder information. To comply with PCI DSS, you must follow strict rules. This involves encrypting data and running consistent security scans.

Besides PCI DSS compliance, the transfer option uses SSL encryption. This saves data sent between merchants and customers. This encryption keeps your confidential information safe, like credit card details. It prevents unauthorized access when you shop online.

To boost transaction security, DirecPay uses advanced fraud detection with risk management tools. These systems check transactions right away. They find and reduce possible fraud. DirecPay’s risk management framework analyzes transaction patterns and customer behavior. This helps stop chargebacks and unauthorized transactions. As a result, it keeps the gateway solution for Indian merchants secure.

Solutions for Indian Businesses

DirecPay delivers a full payment gateway solution designed for businesses in India. Its range of features meets the needs of various business models, especially in e-commerce:

  • E-commerce platforms. Transfer works well with big online shopping carts like OpenCart, Magento, Joomla or CS-Cart. This makes online transactions smooth. ​
  • Transfer flexibility. It supports many payment gateway solutions service providers in India. Customers can use net banking, mobile payments including credit card and debit card at checkout. This gives them a great availability of solutions. ​
  • Recurring billing. Companies with subscription services can use recurring billing features. This makes it easy to handle regular payments automatically. 
  • Mobile accessibility. Merchants can use mobile apps for Android & iOS. They can manage transactions and track sales anywhere. ​
  • Additional services. It does more than just process payments. It also gives services like domain registration, hosting solutions, and marketing tools. These include SEO and PPC advertising, all aimed at helping businesses grow. 

This supplier is mainly for businesses. It doesn’t provide services aimed at individual consumers. Its features and services help businesses handle transactions. They help merchants handle online payments easily.

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FAQ

What types of businesses can register with DirecPay?

This service invites many types of businesses. This includes partnerships and private limited companies. Freelancers can register by setting up a sole proprietorship. Then, they can open a business bank account in their business name.

How long does the approval process take after submitting an application?

Once you submit the needed documents, DirecPay’s partner bank screens the application. This process ensures compliance with Central Bank regulations and typically takes up to a week.

Does DirecPay offer a testing environment for businesses?

Yes, DirecPay offers a sandbox environment. This lets businesses test their website integrations. This platform mimics the live DirecPay system. It helps businesses grasp merchant procedures before launching.

Can I accept credit cards issued in other countries through DirecPay?

Yes, DirecPay lets merchants accept credit cards from other countries. The processing bank may charge a small fee for foreign currency transactions. The funds will be converted to your local currency at the applicable conversion rate.