> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

<Info>
  **Feature Request**

  This is an on-demand feature. Please raise a request with our [Support team](https://razorpay.com/support/#request) to get this feature activated on your Razorpay account.

  to get this feature activated on your account.
</Info>

## 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

<Steps>
  <Step title="Step 1">
    After the payment method is enabled for your Razorpay account, it will appear automatically on Checkout without additional integration.
  </Step>

  <Step title="Step 2">
    Your customer opens Razorpay checkout and selects POLi as the payment method.
  </Step>

  <Step title="Step 3">
    Razorpay redirects the customer to a POLi-hosted payment page with a list of available banks in their country.
  </Step>

  <Step title="Step 4">
    The customer chooses the bank and logs into the online bank account.
  </Step>

  <Step title="Step 5">
    The customer selects the account to make payment and completes the additional factor of authentication (OTP verification).
  </Step>

  <Step title="Step 6">
    The customer completes the payment and is redirected to your website or app.
  </Step>
</Steps>

### 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](/payments/payment-gateway/web-integration/standard) no additional integration is needed.

* [Custom Integration](/payments/payment-methods/poli/custom-integration)
* [S2S Integration](/payments/payment-methods/poli/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.