Pine Labs

Pine Labs Overview For Merchants

Pine Labs is a payments and fintech company that focuses on digitizing commerce for merchants, brands, and financial institutions. Through its in-store and online solutions, the provider enables businesses to accept payments, offer affordability options, issue prepaid and gift instruments, and manage collections through a unified stack.

Pine Labs positions its offering as a combination of in-store payment devices, online payment gateway capabilities, and value added services such as EMI and loyalty. Merchants can use these tools to collect payments, make payouts, and manage customer journeys from a single dashboard with API based integrations.

Key Payment Products

Pine Labs divides its merchant offering into several product families. For most merchants evaluating it as a payment service provider, the following are the most relevant.

In-store And POS Payments

Pine Labs provides Android based point-of-sale terminals and software that support card payments, QR-based payments, UPI, and other local methods in supported markets. The company also highlights features such as EMI on cards, loyalty redemption at checkout, and integration of third party apps on the POS device. These in-store capabilities are primarily aimed at retailers, restaurants, and other physical merchants that want to digitize front-of-store payments.

Pine Labs Online And Plural Gateway

For online payments, the provider offers an online payment gateway stack, Pine Labs Online, or via the Plural by Pine Labs branding. The gateway is suitable for businesses of different sizes that want to accept payments on websites, mobile apps, and via payment links.

The online gateway supports more than 100 payment methods, including domestic and international cards, UPI, net banking, wallets, and EMI or “buy now, pay later” style affordability options. It also offers tools for subscription payments, fee collection, and integrations with e commerce platforms such as Shopify.

Fintech Infrastructure And Embedded Finance

Beyond accepting payments, Pine Labs promotes its fintech infrastructure APIs to banks, NBFCs and other financial institutions. These APIs support issuing and processing for cards and prepaid instruments, as well as embedded payment experiences. For merchants, this is mainly relevant where a bank or partner uses Pine Labs infrastructure to power co branded or white label solutions.

Features Of The Pine Labs Payment Gateway

Supported Payment Methods And Use Cases

Merchants using the gateway can accept:

• Credit and debit cards

• UPI payments

• Net banking

• Digital wallets

• EMI and buy now, pay later options

Pine Labs supports sectors such as ecommerce, subscription businesses, education fee collection, and B2B payments.

Cross Border And Multi Currency Capabilities

Pine Labs maintains a cross border payments:

• Acceptance of payments from international customers

• Handling multiple currencies for incoming payments

• Support for international card usage on the gateway

Payment Links And Alternative Collection Flows

Pine Labs offers Payment Links as part of its online suite. Merchants can:

• Generate payment links from a dashboard

• Share links via SMS, email, WhatsApp, or social media

• Collect one time, partial, or bulk payments

• Use CSV upload for batch link generation

This allows merchants to accept online payments without integrating a full checkout into their website or app, which is relevant for smaller merchants, professional services, and offline businesses that still want digital collection.

Security, Compliance And Risk Controls

Pine Labs emphasizes payment security and compliance for its gateway:

• Payment Gateway is PCI DSS Level 1 compliant

• The company is PCI DSS and PA DSS compliant across its payment stack

• The gateway uses tokenisation for card data protection

• Fraud detection and risk filters are part of the online solution

The payment gateway is a PCI compliant way for businesses to accept cards, UPI, wallets, EMI and more, with real time tracking and advanced fraud controls. In practice, this means merchants can offload most card data handling and compliance requirements to Pine Labs, while still needing to maintain their own application and data hygiene.

Integration And Developer Experience

The gateway is an API first. Merchants can:

• Use REST APIs to connect websites or apps to the gateway

• Obtain API keys and use sandbox environments for testing

• Configure webhooks for payment status notifications and error handling

• Integrate via plugins for platforms such as Shopify, Magento, and WooCommerce

Pine Labs hosts a developer portal that organises APIs, SDKs and documentation for its payment and fintech solutions.

Reporting, Dashboards And Settlement

Merchants using this online gateway get access to dashboards where they can:

• View real time transaction data

• Track payments, refunds and settlements

• Monitor performance and payment success rates

For merchants, the key takeaway is that Pine Labs provides online reporting and reconciliation tools within its portal. Further details on settlement frequency, cut off times and payout structures have to be obtained directly from the provider during onboarding.

Pricing Structure And Commercial Model

Pine Labs publishes educational content on payment gateway charges that explains components such as:

• Merchant Discount Rate (percentage fee on each transaction)

• Per transaction charges

• Possible setup or annual maintenance fees for gateways generally

The following conclusions can be made:

• Pine Labs uses MDR based, percentage-of-transaction pricing

• Pricing is tiered and may depend on volume or profile

• Exact fees are quoted directly to merchants and are not standardized in a public tariff table

Merchants considering Pine Labs therefore need to request a proposal to obtain concrete rates for their business model and transaction volumes.

Industries And Merchant Profiles

The main types of businesses targeted by the payment gateway:

• Direct to consumer ecommerce brands

• Subscription and SaaS businesses needing recurring billing

• Education institutions and fee collection scenarios

• B2B companies that manage invoices and online collections

• Startups and SMBs in sectors like D2C, EdTech and delivery platforms

The gateway is suitable for both smaller, fast growing businesses and larger organizations with higher volumes. For in store solutions, Pine Labs focuses heavily on retail, lifestyle, and other consumer facing verticals that need card and QR acceptance at the point of sale.

Conclusion

Pine Labs is a payments and fintech provider that positions itself as a unified platform for in store and online payments, affordability, issuing and collections. For merchants, the most relevant component is Pine Labs’ online payment gateway, delivered through Pine Labs Online and Plural Gateway, which combines support for cards, UPI, net banking, wallets, EMI and recurring payments with PCI compliant infrastructure, fraud controls and developer friendly integrations.

Pine Labs: Frequently Asked Questions

What is Pine Labs and what does it offer to merchants?

Pine Labs is a payments and fintech company that provides in store and online solutions for merchants. It offers Android based point of sale terminals, an online payment gateway, payment links, subscription billing tools, and value added services such as EMI and loyalty so that merchants can accept payments and manage collections through a unified stack.

What are the main payment products Pine Labs provides?

Pine Labs focuses on several product families for merchants. These include in store and point of sale solutions, the Pine Labs online payment gateway and Plural Gateway for website and app payments, payment links for remote collections, and fintech infrastructure APIs that banks and partners can use to power issuing and embedded finance solutions.

Which payment methods does the Pine Labs payment gateway support?

Pine Labs payment gateway supports more than 100 payment methods, including domestic and international credit and debit cards, UPI, net banking, digital wallets, and EMI or buy now pay later affordability options. The exact mix depends on the merchant’s market, integration and commercial setup.

Does Pine Labs support cross border and multi currency payments?

Pine Labs provides a cross border payment gateway solution that allows merchants to accept payments from international customers and handle multiple currencies. Its content highlights support for international card usage and multi currency acceptance, especially for Indian merchants that want to collect payments from overseas buyers.

How does Pine Labs handle payment security and compliance?

Pine Labs gateway is PCI DSS Level 1 compliant and it uses tokenization, fraud detection tools and risk filters to help protect online transactions. The company positions the gateway as a PCI compliant way for businesses to accept cards, UPI, wallets, EMI and other methods, while merchants remain responsible for securing their own applications and data.

How can merchants integrate Pine Labs with their website or app?

Pine Labs online payment gateway is an API first. Merchants can integrate using REST APIs, obtain API keys, work in a sandbox environment, configure webhooks for payment status notifications, and use plugins for platforms such as Shopify, Magento and WooCommerce. Pine Labs also provides a developer portal with documentation and resources.

What kind of reporting and dashboards does Pine Labs provide?

Merchants can get access to dashboards that show real time transaction data, refunds and settlements. These dashboards are designed to help merchants monitor payment performance, track success rates and reconcile their collections.

Which types of businesses is Pine Labs suited for?

Pine Labs gateway is suitable for direct to consumer ecommerce brands, subscription and SaaS businesses, education institutions that collect fees online, and B2B companies that manage invoices and digital collections. Its in store solutions are aimed at retailers, lifestyle brands and other consumer facing merchants.