What are settlements?

Settlement is the process through which you receive funds in your bank account for the payments collected from your customers for a particular product or service. Settlement frequency may vary based on your agreement with JPSL Business. It is generally processed on T+1 working days (T being the date of capture of payment). This ensures smooth crediting of funds for all your digital payment services and merchant services.

How to check settlements in my bank account?

A Unique Transaction Reference (UTR) number is generated by the banking partner for each settlement. The UTR can be viewed by clicking on the settlement ID in the Dashboard or downloading the settlement report. You can use the UTR number to track the settlement in your bank account, ensuring full transparency of your online payments and secure payment gateway transactions.

What should I do if I'm not receiving my settlements?

The settlement cycle is usually T+1* working days (T being the date of capture of payment). In case the settlement has not been credited to your bank account as per your settlement frequency, we recommend you follow the steps below: Login to the JioPay Business App or Dashboard and visit the My Profile section. Check if the settlement information on your profile is the same as the one you are checking for the receipt of settlement funds from JioPay. If the settlement information on the page is correct, then check your bank account for any credit transaction from "JioPay" or "JPSL" or "Reliance Payment Solutions". Please don't worry, your money is safe with us. If you don't receive your money within two days, kindly contact JioPay Business Merchant Support. If the settlement account is different, please send a request to merchant.support@jiopay.in for updating the settlement account, along with a cancelled cheque as proof. This ensures smooth resolution for settlements related to your payment solutions and merchant services.

I believe that I have received a partial or incorrect settlement in my account?

If you believe that you have received a partial or incorrect settlement in your account, please follow these steps to investigate the issue: Login to the JioPay Business App or Dashboard. Visit the ‘Transactions’ section on the App, or the ‘Report Section’ on the web Dashboard. Filter the date of payments for which you have received the incorrect settlement. Add the amount for all transactions which are tagged as ‘Success’. Check if the same amount, after deducting the transaction processing fees and taxes, has been deposited in your linked Bank Account. If you have not received the same amount, contact us at merchant.support@jiopay.in . Our team will review your payment gateway services and resolve the discrepancy.

How do I update my settlement bank account number?

To update your settlement bank account number, email merchant.support@jiopay.in with your registered mobile number and the details of your new bank account. Attach a cancelled cheque as proof. The support team will assist you further to ensure uninterrupted settlements for your digital payment services and online payments.

Do I have to do a manual settlement for my account everyday to get the funds for payments collected by me?

No, as a JPSL Business merchant, you do not need to manually initiate settlement or batch closure for your account. The process of settling funds for the payments collected by you is automated. The unsettled transactions are automatically settled in your bank account based on your settlement cycle, without the need for any manual intervention from your side. This ensures hassle-free management of your merchant services and payment gateway transactions.

Why is my settlement on hold for some transactions?

We understand that you would be concerned about the hold on your settlement. We would like to assure you that holds on settlements are a standard practice in the payment processing industry, designed to ensure the security and integrity of your digital payment transactions. Our compliance and risk teams monitor the transactions for potential risks. These holds are usually temporary and typically last for a few business days while we conduct a thorough review of your transactions. Our teams may reach out to you on your registered email-id/mobile number for certain clarifications. Once a satisfactory response has been received we will release the funds to your account as per the agreed frequency.

How can I issue refunds to my customers for any payments made by them?

To issue refunds using the JioPay Business App or Dashboard, follow these steps: Login to the app or dashboard. Locate the transaction for refund. Select the transaction and choose "Refund". Enter the refund amount (full or partial). Confirm the refund request. Refunds can be issued up to the value of the original transaction and within 180 days from the transaction date, subject to the availability of sufficient settlement amount. This ensures smooth handling of online payments and supports reliable merchant services.

How to check the status of refund?

You can check the status of the refund under the Refund tab on the dashboard. Refunds are successfully processed if the refund status is shown as Accepted or Success. This gives merchants clear visibility into their payments and transactions.

How to check the ARN for refund?

There are two ways to check this: You can check the ARN inside the refund history tab on the dashboard. You can search for the transaction for which the refund has been processed. Click on the transaction and you can find the refund details at the bottom.

What should I do if the refund is not credited in my customer’s account?

If a refund is not credited to your customer's account, please keep the following in mind: Refund Deduction: The refund amount will be deducted from any pending settlements in your account. If there are no pending settlements, the refund will be on hold. Settlement Availability: The refund will be processed when a new payment is received from another customer for an amount equal to or greater than the refund amount. For example, if you try to refund Rs. 100 to customer X but have no pending settlements and no new payments, the refund will be on hold. Once a new payment is received, the refund will be processed and credited to the customer's account. Please ensure that you have pending settlements or new payments to cover the refund amount. For further assistance, contact merchant.support@jiopay.in .

Can I cancel a refund?

Once a refund has been processed successfully, it cannot be cancelled. The refunded amount has already been transferred to the customer's account, and the transaction is considered final. It's important to double-check the refund details before initiating the process to ensure accuracy. If you have any concerns or need further assistance, please contact merchant.support@jiopay.in .

Do you charge for a refund?

JPSL does not charge for refunds. However, please note that the processing charges levied by JPSL for the original transaction will not be reversed.

Can we do a bulk refund?

Yes, you can perform bulk refunds using the JPSL Dashboard. Simply upload a refund file in the format specified on the dashboard. Once the file is uploaded, the system will process the refunds and provide a summary of successful and failed records. This feature simplifies refund management for merchants handling high volumes of online payments.

How to process a bulk refund?

To process a bulk refund, please follow the steps below: Go to the refund section and click on Initiate Bulk Refund & download the sample file. Mention your Merchant ID in the entity column. Enter Method Type as 211. Enter Transaction ID under original transaction ID. Enter Transaction Amount under original transaction amount. Enter Refund Amount that has to be processed under amount section. Save the file with the given naming convention jfs_yyyymmddhhmmss_mid_recordscount: jfs is a static field. yyyymmddhhmmss is year, month, day, hours, minutes & seconds. mid is your Merchant ID. recordcount is the refund count. Please ensure these steps are followed for successful electronic invoice processing and refund management.

Do we have a format for bulk refund report?

Yes, there is a specific format for a bulk refund report that you can download from the Merchant Dashboard. Go to the Refund Section and click on Initiate Bulk Refund to download the sample file. Any deviation from the standard format will lead to failure of the bulk refund.

Is a partial refund allowed in bulk refund?

Yes, partial refunds are allowed in bulk refund processing. You can specify the partial refund amount in the Amount Section of the refund file, giving flexibility for handling different merchant services.

Can we reprocess a failed record in bulk refund?

Yes, if any records in the bulk refund file fail to process successfully, you can reprocess those failed records by uploading a new file with the corrected information. Simply create a new file with the failed refund records, ensure that it follows the required format, and upload it again through the JioPay Dashboard. The system will process the new file separately, allowing you to retry the refund for the failed records. Make sure to address any errors or issues that caused the initial failure to increase the chances of successful processing.

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Still have questions?

Jio Payment Solutions Ltd (JPSL) Business is a payment aggregator and gateway provided by Jio Payment Solutions Limited (formerly known as Reliance Payment Solutions Ltd.), a subsidiary of Jio Financial Services Limited (JFSL) (formerly known as Reliance Strategic Investments Ltd.). It is a comprehensive business application designed to empower merchants with seamless payment solutions. It provides secure digital payment services, including online payments, offline payments, QR code payments, and UPI payments, enabling businesses to manage collections and payouts efficiently. With JPSL Business, businesses can streamline their payment operations and provide a seamless payment experience to their customers.

The JioPay Business App is designed for retailers, merchants, and businesses to accept and manage payments seamlessly. It acts as an all-in-one online payment platform where merchants can perform payment processing activities like accepting payments, viewing past transactions, issuing refunds, editing their profile and much more. The app ensures fast, reliable, and secure transactions for both online and offline payments

To download the JioPay Business App, follow these steps:
1. Open the Google Play Store app on your phone.
2. Search for "JioPay Business" and select it.
3. Tap "Install" to download and install the app.
4. Start using JPSL's digital payment services for online payments and offline payments.
Alternatively, download the JioPay Business App directly from: https://play.google.com/store/apps/details?id=com.jiopay.business
Note: The JioPay Business App is available for Android devices on the Google Play Store.

At the time of login to the JPSL Business App/Dashboard, click on “Forgot Password” and follow the instructions indicated to reset your password. This ensures safe access to your account and uninterrupted use of JPSL’s payment solutions and merchant services

If you are unable to log in to the JPSL Business App or Dashboard, try the following:
1. Check your internet connection: Ensure you have a stable internet connection by switching between Wi-Fi and mobile data.
2. Reinstall the app: Uninstall the JioPay Business App and reinstall it to ensure you have the latest version.
3. Verify your username and password: Double-check that you are entering the correct credentials. Use the "Forgot Password" option if you need to reset your password.
If the login issues persist, kindly contact merchant.support@jiopay.in for further assistance. Our team ensures uninterrupted access to secure payment gateway services and online payment platforms.

If the JPSL Business App is crashing on your phone, try the following steps:
1. Check your internet connection: Ensure you have a stable internet connection by switching between Wi-Fi and mobile data.
2. Delete and reinstall the app: Uninstall the JioPay Business App and reinstall it to get the latest version.
3. Check phone software updates: Make sure your phone's software is up to date by checking for available updates.
If the app still crashes, contact merchant.support@jiopay.in for assistance. Our team will help you restore access to payment solutions and merchant services.

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