Regular Payment

One-time, instant payments for products and services — simple checkout experience.

What is a Regular Payment?

Regular Payment is a simple one-time payment transaction where the customer makes a payment instantly for a product or service.

The customer:

1. Visits a website or app
2. Selects a product or service
3. Completes payment
4. Receives confirmation

The transaction ends once the payment is completed.

This is the most common type of online payment flow used across e-commerce, retail, travel, food delivery, ticket booking, and digital services.

---

Understanding One-Time Payments

A one-time payment means:

Single Purchase

Customer pays only for the current purchase — not for future transactions.

Instant Settlement

Payment is completed instantly — money is captured right away.

No Continuation

Transaction does not continue automatically in the future.

Every new purchase creates a completely new payment transaction.

Example

Customer purchases shoes online
        ↓
Completes payment
        ↓
Order gets confirmed
        ↓
Transaction ends

If the customer buys again tomorrow:
A new payment process starts again from scratch.

---

Simple Payment Experience

Regular payment is designed to provide:

• Quick checkout — fast payment completion
• Instant confirmation — immediate order confirmation
• Seamless experience — smooth payment flow
• Easy order completion — hassle-free checkout

The Goal

For Customer	For Merchant
Complete payment quickly	Receive instant payment confirmation
Get immediate order confirmation	Begin order processing immediately
Simple, intuitive checkout	Reduce cart abandonment

---

Where Regular Payments Are Commonly Used

E-commerce Websites

Customers purchase:

• Clothes
• Electronics
• Accessories
• Groceries

Payment is completed instantly during checkout.

Food Delivery Platforms

Customers:

• Place food orders
• Make immediate payment
• Receive order confirmation

Payment is for that order only.

---

How Regular Payment Works

1. Customer Initiates Payment

   Customer adds items to cart and proceeds to checkout.

2. Payment Details Entered

   Customer enters:

   • Card details, OR
   • UPI ID, OR
   • Net banking credentials, OR
   • Wallet credentials
3. Payment Processing

   Payment gateway validates and processes the transaction instantly.

4. Instant Confirmation

   Customer receives:

   • Payment success notification
   • Order confirmation
   • Receipt/invoice

   Merchant receives:

   • Payment confirmation
   • Order details
   • Settlement notification

---

Regular Payment vs Other Payment Types

Feature	Regular Payment	Recurring Payment (SI)	Auth & Capture
Payment Frequency	One-time only	Recurring/automatic	One-time
Capture Timing	Immediate	Scheduled or triggered	Delayed (after auth)
Use Case	E-commerce, bills, bookings	Subscriptions, EMIs	Hotels, flights, pre-orders
Future Charges	None	Automatic or manual	None (unless re-authorized)
Customer Action	Pays each time	Approves once	Pays once, charged later
Complexity	Simple	Requires mandate management	Requires capture/reversal

---

Regular payments are final and immediate — once payment is completed, the transaction is done. If a customer needs a refund, merchant must initiate a separate refund process.

---

Next Steps

Now that you understand how Regular Payments work, learn how to implement them:

Payment Initiation

Start a one-time regular payment transaction.

Transaction Management

Check payment status and process refunds.