Payment Journey & Workflow for Merchants

PayU has partnered with AD-1 CATEGORY Bank to complete the settlement via SWIFT. This account is owned/controlled by PayU and acts as an “Outward Collection Account (OCA).” (erstwhile Import Collection Account)

1. Funds will be transferred by acquirers into PayU’s domestic pool account ("Nodal Bank Account"). This is an automated process.
2. PayU instructs the AD-1 category bank to make the transfer to merchants over a file shared through SFTP. After the cross-border settlement is completed, the AD-1 category bank shares a response file and a unique transaction reference.