Payment modes are the different ways customers can pay for an order. When a customer reaches checkout, the available payment modes depend on the merchant's configuration, the payment partners enabled, and the customer's eligibility. Each payment attempt uses exactly one payment mode.
Nimbbl supports the following payment modes:
- Cards — credit cards, debit cards, and prepaid cards across networks such as Visa, Mastercard, RuPay, and Amex. Card payments also support saved cards through tokenization for faster repeat checkouts.
- UPI — Unified Payments Interface enables real-time bank-to-bank transfers. Nimbbl supports Intent flow (mobile app deep links), QR flow (scan-to-pay), and Collect flow (merchant-initiated payment requests).
- EMI — Equated Monthly Installments let customers split a purchase into scheduled payments. Nimbbl supports both Card EMI (installments charged to a credit or debit card) and Cardless EMI (installments without a card).
- Pay Later — deferred payment options where customers complete a purchase now and pay at a later date. Providers include Lazypay, Simpl, and others.
- Netbanking — direct bank transfers where the customer logs into their bank's online portal to authorize the payment.
- Wallets — digital wallet payments through providers such as Paytm, PhonePe, Amazon Pay, Freecharge, and others.
How Payment Modes Work
A customer selects their preferred payment mode during checkout. The checkout experience presents only the modes that are available based on the merchant's configuration and the customer's eligibility. Once a mode is selected, the payment is initiated with mode-specific parameters (for example, a card number for Cards or a VPA for UPI) and processed through the appropriate payment partner.
Payment mode availability is determined through the Payment Modes API. For full API details, see the List of Payment Modes endpoint.
Payment modes are configured through Orbit. Merchants can enable or disable specific modes, configure sub-payment mode options (such as specific card networks or UPI apps), and set eligibility rules.
Payment Mode Guides
Each payment mode has a dedicated guide that covers its concepts, attributes, and how it works within Nimbbl:
- Cards — card types, card attributes, saved cards, and tokenization
- UPI — UPI flows (Intent, QR, Collect), UPI attributes, and processing
- EMI — Card EMI, Cardless EMI, schemes, and eligibility
- Pay Later — deferred payment providers and eligibility
- Netbanking — bank transfers via online banking portals
- Wallets — digital wallet payments