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How payments work

The customer pays the shop. Loopul stays out of the money.

Every payment for an order is made to the shop: cash at the counter or the door, UPI straight to the shop's own UPI ID, or online through a payment gateway in the shop's own merchant account. Loopul is paid separately, by the shop, with a flat monthly plan.

How a payment for an order reaches the shop

  1. The customer pays

    Cash at the shop, UPI to the shop's own UPI ID, or a gateway's secure checkout. Loopul never sees card numbers or UPI PINs.

  2. Straight to the shop

    UPI lands in the shop's own UPI account; gateway payments go to the shop's own merchant account, verified by the gateway.

  3. The shop’s bank account

    The money reaches the shop's own bank account — directly for UPI, on the gateway's settlement schedule for online payments.

Shop → Loopul

Loopul is paid separately, by the shop: a flat monthly plan. Never a share of the shop's sales, and never out of a customer's payment.

How a shop turns on online payments

It is optional. A shop can sell with cash, pay-at-shop and UPI to its own UPI ID from day one. Online gateway payments switch on only when the gateway has approved the shop's own account.

  1. The shop chooses “Turn on online payments” in the Loopul appIt says whether it already has an account with the payment gateway or needs a new one.
  2. The gateway registers and verifies the shop — on the gateway’s own pagesIdentity (PAN and the documents the gateway asks for), business details and the bank account for settlements. Loopul never collects these and never asks for a gateway password or OTP.
  3. The shop allows Loopul on the gateway’s authorisation screenThe gateway shows exactly what Loopul is asking for. The shop can refuse, and can remove the access later.
  4. The gateway reviews the accountLoopul shows the shop what the gateway reports: waiting, more details needed, approved or not approved. A shop’s own “done” never counts as approval.
  5. Online payments switch onOnly after the gateway has activated the account. Until then, and whenever access is removed, customers pay in cash or by UPI to the shop.

UPI straight to the shop

A shop can add its own UPI ID. The customer sees the shop's name, the exact amount and a QR code drawn by Loopul for that order, and pays from any UPI app. The money goes from the customer's bank to the shop's bank — never through Loopul.

  • “I've paid” is not payment. The customer tells the shop the time and the UPI reference. The order counts as paid only when the shop has checked its own UPI app or bank account and confirmed it.
  • If the shop cannot find it, the customer can send the details again or raise a dispute; Loopul's support helps both sides but cannot move or refund money it never held.
  • Money owed back on a cancelled or reduced UPI order is sent by the shop from its own UPI app and recorded in Loopul.
  • Packaging charge (only if the shop sets one). One fixed amount, shown before you choose how to pay, on bigger orders only, the same for cash, UPI and online. It is never a payment fee, and no shop can sell above the printed MRP.

What Loopul can do with a connected account — and what it cannot

Loopul can

  • Create the payment for an app order, in the shop's account, for the order's exact amount.
  • Read whether that payment succeeded, to confirm the order.
  • Refund a customer when the shop's refund policy says so — a cancelled order, a smaller order after a substitution — from the shop's own gateway balance.

Loopul cannot

  • Receive, hold or redirect the money — it settles to the shop's bank account, never to Loopul.
  • Take a commission or a fee out of any payment.
  • See card numbers, UPI PINs, bank passwords or the shop's gateway login. Loopul asks the gateway for payment access only, not for payouts.

Disconnect any time

From the Loopul app or from the gateway. Online payments stop at once; cash and UPI to the shop carry on.

Refunds

Paid by the shop, back to how the customer paid — through the gateway for online payments, by the shop itself for cash and direct UPI.

Refunds & cancellations

The shop is the seller

Each shop sells under its own name, issues its own bill, and is responsible for what it sells.

Terms for shops

How Loopul is paid

Only by the shop, with a flat monthly plan, GST included, after a 30-day free trial. The plan is paid to Loopul separately — on the web through Loopul's own billing account, or in the shop app through Google Play or the App Store. It is never deducted from a customer's payment.

Plans and prices

Questions about a payment?

About an order, the shop is quickest — its number is on the order. Anything else: support@loopul.in or +91 79896 51171.

Loopul is a product of Doublyu Labs, sole proprietorship.