International Payments - POLi

Accept international payments from Australian customers using POLi, a popular payment method that enables customers to make payments directly from their bank accounts.

Feature Request

This is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account.

to get this feature activated on your account.

Advantages

• No card? No problem!

  Customers who do not have access to cards or do not want to use them for online transactions can use POLi to pay through their bank accounts.

• No chargeback or fraud

  Avoid unnecessary chargebacks or frauds with an authorised bank transfer solution.

• Instant confirmation

  Receive instant payment confirmation, unlike Swift transfers which can take days.

• Higher transaction amount

  We support payments up to $10,000.

How it Works

1. Step 1

   After the payment method is enabled for your Razorpay account, it will appear automatically on Checkout without additional integration.

2. Step 2

   Your customer opens Razorpay checkout and selects POLi as the payment method.

3. Step 3

   Razorpay redirects the customer to a POLi-hosted payment page with a list of available banks in their country.

4. Step 4

   The customer chooses the bank and logs into the online bank account.

5. Step 5

   The customer selects the account to make payment and completes the additional factor of authentication (OTP verification).

6. Step 6

   The customer completes the payment and is redirected to your website or app.

Pricing

POLi payments are charged at 3.0%.

Refunds and Settlements

• Refunds are not supported for POLi payments.

• POLi payments take T+14 days to get settled to your Razorpay account.

Supported Integrations

For Standard Checkout no additional integration is needed.

• Custom Integration
• S2S Integration

FAQ

1. My customer claims to have made a payment using POLi, but we have not received any confirmation from POLi. Should I ask the customer to make another payment?

POLi transactions are asynchronous. In rare cases, POLi might not confirm whether a customer payment is successful. In this case, the customer may have transferred funds but not have received a receipt from POLi or you.

This status can arise due to a bank or local issue at the customer’s end.

Ensure that when the customer clicks Return to merchant's website, they land on a page that displays a clear message asking them to check their bank account and verify that the amount has not been deducted before processing another transaction. This will reduce the chances of duplicate transactions.