Plural Payment Gateway Overview

Plural is a strong payment gateway based in India. It was created by Pine Labs. This gateway allows businesses of all sizes, including fast-growing e-commerce and ed-tech startups as well as established consumer-tech and BFSI companies, to accept payments through more than 100 domestic and international channels. Plural focuses on creating smooth checkout experiences and is easy for developers to integrate. It is built to handle large transaction volumes while meeting the varied needs of customers in India and around the world.

Key Features & Differentiators

1. Extensive Payment Coverage

Plural supports a wide array of payment methods including:

• Domestic and international cards (Visa, Mastercard, Rupay, AMEX, Diners)

• Net banking from 35+ major Indian banks

• UPI (both web-collect and intent flows)

• Digital wallets

• EMI options (credit, debit, and cardless)

• Buy Now Pay Later (BNPL)

• Pay by Points and loyalty redemptions

This coverage empowers merchants to serve diverse customer segments and improve checkout flexibility.

2. Affordability Suite

Plural includes a built-in affordability suite that allows businesses to display EMI and Pay Later options directly on their checkout pages. This feature is designed to increase cart conversions by appealing to price-sensitive buyers, especially for high-ticket purchases.

3. Smart and Flexible Integrations

Plural provides multiple integration models to suit varying business needs:

• Hosted Redirect

• Embedded iFrame

• Mobile SDKs for Android and iOS

• REST APIs for server-side control

It also integrates easily with popular commerce platforms like Shopify Plus, WooCommerce, OpenCart, Magento, and Cordova—allowing businesses to launch quickly with minimal development effort.

4. Quick Onboarding & Developer Support

Plural’s onboarding process is streamlined for speed. Developers get access to comprehensive documentation, test credentials, and real-time support. Transparent pricing, instant tracking, automated reconciliation, and late authorization flows ensure operational ease for merchants.

5. High Security & Compliance

Security is a top priority for Plural. The gateway includes:

• PCI SAD Q compliance

• SSL encryption on all data flows

• Tokenisation of card data as per RBI mandates

These features ensure merchants are protected from data security risks and compliance burdens.

6. Convenience Fees & Settlements

Merchants have the flexibility to set convenience fees based on their pricing strategy. Settlement cycles are fast and clearly structured, improving cash flow predictability for businesses of all sizes.

Additional Offerings

Plural goes beyond the basics of payment processing by offering a wide suite of value-added services:

• UPIverse – Provides multiple UPI payment interfaces for enhanced reach

• Plural Links – Enables merchants to send customized payment links via email, SMS, or WhatsApp

• Payouts – Allows businesses to disburse refunds, vendor payments, commissions, and salaries

• Tokeniser – Helps securely store card details for recurring or repeat transactions

• BBPS Solutions – Enables utility bill collection directly through UPI apps

• Subscriptions – Built-in tools for auto-renewal, recurring payments, and membership fees

• Fee Collection Portals – Used by educational institutions, service-based businesses, and government bodies

Conclusion

Plural is a complete payment gateway that helps Indian and international businesses provide smooth, secure, and effective checkout experiences. Whether you are a startup needing quick integration or a large company looking for cost-effectiveness and scalability, Plural meets your needs. Its broad payment coverage, helpful features, strong compliance, and trusted brand partners make it a leading choice for businesses.