Nimbbl

Nimbbl Payment Gateway And Checkout Overview For Merchants

Nimbbl is a payment acceptance and checkout platform for online merchants. It combines API and SDK-based checkout for websites and mobile apps with no-code options such as payment links, payment pages, and ecommerce plugins. Nimbbl can connect a merchant to multiple payment gateway aggregators while keeping payment operations visible in a single dashboard.

Nimbbl Overview For Merchants

Nimbbl operates under Bigital Technologies Private Limited (Bigital Technologies Pvt Ltd) and is based in India. The platform acts as a technology service provider that links a merchant website or app with payment service provider partners and payment method providers, while settlement is handled by the selected payment partner.

Payment Acceptance Channels

Merchants can use Nimbbl to accept payments through:

• Online (Web) checkout for websites
• In-app checkout via Android, iOS, and Flutter
• Payment Links for shareable link-based collection
• Payment Pages for a no-code hosted payment page
• Ecommerce plugins for platforms such as WooCommerce, Magento, Shopify, Wix, and OpenCart

For web, checkout can run as a modal on top of the merchant page or as a redirect flow, returning control using a callback URL.

Checkout Flows And Go-Live Options

Nimbbl supports multiple integration paths:

• Plug and Play: no coding required, designed to go live within minutes, with brand colour theme support
• Standard Checkout: some coding required, with code templates and an estimated 1 to 2 days for implementation across supported platforms

After sign-up, issuing dashboard login details can take up to 1 working day.

Payment Links And Payment Pages

Payment links and payment pages are built for off-website collection. Payment pages use a custom URL (for example, under a pages.nimbbl.biz subdomain), can be shared via channels such as WhatsApp, SMS, and email, and can be tracked from the dashboard. Payment pages collect basic customer details (such as name, email, phone number, amount, and optional remarks) and then process the payment via Nimbbl checkout.

Supported Payment Methods

Nimbbl supports payment methods commonly used by India-focused merchants and supports international payment acceptance for eligible registered businesses (subject to partner approvals). Examples shown across Nimbbl materials include:

• Cards: Visa, Mastercard, Maestro, RuPay, Diners, American Express
• UPI apps: Google Pay, PhonePe, BHIM (and other UPI apps)
• Netbanking (including 60+ banks)
• Wallets
• Buy Now Pay Later options such as LazyPay, ICICI Pay Later, Pay with Cred, and Ola Postpaid

Payment method availability can vary by the payment partner configuration enabled for a merchant account.

Multi-Gateway Coverage And Payment Partners

A core Nimbbl use case is one integration that can enable multiple payment gateway aggregators. Nimbbl lists payment partner coverage that includes Cashfree, CCAvenue, Easebuzz, Freecharge, HDFC, PayU, Paytm, PayGlocal, Plural by Pine Labs, Razorpay, and Worldline (Ingenico). Nimbbl also indicates that additional payment service providers can be enabled from the backend over time for merchants with an existing integration.

Pricing Approach

Nimbbl describes a custom pricing approach for checkout charges, where plans vary by business type and transaction volume. Nimbbl also references a model where merchants pay for successful transactions and do not pay setup fees. Because fees are configured per merchant, the final fee schedule depends on the merchant’s plan and payment partner setup.

Settlement, Payouts, And Refunds

Settlement

Settlement is handled by the payment method provider or payment service provider partner. The merchant dashboard includes settlement reporting, including settlement date, amount, UTR (Unique Transaction Reference), and the payment partner used for settlement.

For international payments, the settlement cycle varies from T+2 to T+7 days (T is the day of customer payment) and the duration is decided by the payment service provider partner based on its risk assessment process. The settlement currency is INR for all transactions, and international payments are settled in INR. International payment acceptance requires activation and is subject to partner risk checks and approvals.

Refunds

Refunds can be initiated from the dashboard for successful transactions, including partial refunds. Refunds may take multiple working days to reflect in the customer’s bank account.

Reporting, Webhooks, And APIs

Nimbbl provides a merchant dashboard for viewing orders and transactions, exporting data to CSV, and reviewing settlement details. It supports webhooks (configured in the dashboard) to notify a merchant system when payment statuses change, and it provides APIs for key workflows such as orders, payments, refunds, and transaction status.

A typical API-led payment flow includes:

• Create an order and obtain an order identifier
• Fetch available payment modes and present them to the customer
• Initiate payment for the selected payment mode
• Use webhooks and status APIs to keep the merchant system aligned with the latest payment state

Security And Compliance

Nimbbl references PCI-DSS compliance in its materials. Developer materials include controls such as validating response signatures, encryption patterns to reduce exposure when a merchant is not PCI-DSS certified, tokenization for saved card references, and 3D Secure authentication fields in relevant card payment flows.

Conclusion

Nimbbl provides a unified checkout layer for online merchants with multiple integration options: no-code payment links and payment pages, ecommerce plugins, and SDK and API-based checkout for web and mobile apps. It supports a wide set of India-relevant payment methods, can connect to multiple payment gateway aggregators, and centralizes reporting and operational workflows in a merchant dashboard. Settlement and international acceptance timelines depend on payment partner processes and approvals.