Payment Process

To collect payments from the customers in a hassle free manner and to make all the payments
smooth and structured and easily accessible we have come up with a unique payment portal
where most of the EMI and Non-Emi methods are available at a single place and to enter the
portal we have a URL and i.e. payment.byjusorders.com
This is how the portal Will look like
The payment modes which we have in Byju's both EMI and Non-Emi are :

Payment Process
Non- EMI EMI
Gateway
Payments Non-Gateway No Cost EMI Easy Pay BYJUS LOAN
PayU Cash Credit card Avanse BYJUS DIRECT
RazorPay Bank transfer Debit Card IIFL BYJUS ASSURE
PAYTM UPI Fullerton
IMPS, NEFT, RTGS,
BAJAJ Finserv Offline Bank Deposit ICICI
Shop Se Cheque ABFL
Gpay Citrus pay KOTAK

Let us understand about the Non-Emi methods first :

A. Gateway Payments- Company approved methods are listed below.For all the
below payment methods, the Sales Team needs to provide customer details using
which payment links will be sent to customers via sms and email.Customers
should complete the payment transaction on their own device.

1. PayU online : This is an online mode of payment where a parent can pay using his debit
card credit card , Net banking , UPI etc..and this happens by generating a Pay U link
from the payment portal on customers details and desired classes opted for and the
amount for which the link needs to be generated.

Let us see how a Pay U payment link can be generated.

 Click on pay u option to enter the customer details and desired course

Enter all the details and click on submit

A payment link will be sent to the registered email id of the BDT/BDA as well as the link will pop
up on the screen as well which can be copied and sent to the customer via email or sms or
whatsapp message and the customer can use the link to process the payment as desired.
Below you can see the invoice number and this is the same payment link which we get it
to our registered email address and this invoice number needs to be used to punch an
order

To Be Used While Order Punching As Payment Reference

Once the customer clicks on the Link he gets multiple options of payments which looks
something as shown below:
Lets understand the options now :

● Credit card: Generally when a customer wants to pay the entire amount in a single go
he can opt this option to pay through his credit card.

● Debit card : Generally when a customer wants to pay entire amount in a single go he
can opt this option to pay through his Debit card

● Wallet: In this option we have PhonePe/BHIM UPI , Amazon Pay and Itz cash active
available , If a customer wants to pay in a single go he can opt these options.

● Net banking :when a parent wants to pay entire amount in a single go he can opt this
option to pay though his Net banking
 ● Gpay : when a parent wants to pay the entire amount in a single go he can opt this
option to pay through his Google pay wallet.

● UPI: when a parent wants to pay entire amount in a single go he can opt this option to
pay though any of the UPI payment modes like phone pay or ICICI Pay later etc

2.Razor Pay-
3.PAYTM-BDA/BDT can send the QR code to the customer and the customer
can scan and pay,share the screenshot of transaction with order id.BDA/BDT
need to align the transaction with the order management.
4. Google Pay-
5. BAJAJ FINSERV- If a customer wants to pay via bajaj card either down payment or full
amount BDA/BDT can opt this.

6.SHOPSE-

B-Non Gateway Payments- If a customer pays via IMPS/NEFT/RTGS/UPI/Cash/

Cheque, Bank Transfer Method has to be used.

1.Cash : If the customer wants to pay the entire cuore amount in a single shot through cash
He/She can directly come to the office and pay the cash and can collect the receipt for the same
and then the order can be punched using an ICR (Internal cash receipt) .

2. IMPS, NEFT, RTGS, Offline Bank Deposit:A customer can opt to do full payment or
downpayment using any of methods like IMPS ,NEFT, RTGS , Offline bank deposit in Byju's
account by direct money transfer and while punching the order they need to submit the
reference number obtained from the bank.

3.Cheque: A customer can opt to do full payment or downpayment by depositing a cheque

against Byju's account details which we provide them or can give the cheque directly in any of
the nearest offices if they can . The cheque deposit slip picture will be used as reference for
order to get dispatched and also the six digit cheque number is very much essential to punch an
order which we find on the cheque leaf.

● Once a customer has made the payment to below-mentioned bank accounts, you
need to generate a Bank Transfer Txn ID via the payment portal to punch an order.
● Sharing any other bank account details with customers will result in violation of
company policy.
CASH COLLECTION PROCESS
Bank Transfer Receipt
Step 1: To generate BTR for the cash collected, Sales team needs to deposit the cash
in the mentioned account number by visiting the bank.

Bank Account Number IFSC Code

ICICI Bank 004705010194 ICIC0000047

Axis Bank 915020029096034 UTIB0000194

Step 2: Click on the "Add Txn" button on the Bank Transfer tab on the payment portal.

Step 3: Fill the form with customer information and Select "Cash via Bank Deposit".
Please note that BTR also is used for NEFT/IMPS/UPI/Cheque as highlighted in image
below.
Step 4: In the form, you will have to upload the bank deposit challan image so that the
finance team can verify the payment in the company's account which will help in order
confirmation.

Step 5: BTR Reference ID will be generated and using the same, an order can be
punched. Reference ID generated has the template as BTRXXXXXXXXXXXX.

Step 6: Any order punched with BTR ID will move as a "NOT CONFIRMED" order and
only once the finance team verifies a legitimate transaction, they will confirm the order.

Step 7: In case, the finance team is not able to verify the transaction, they will request
to reupload the deposit slip (or in case the deposit slip image is not legible). You will be
able to see such requests in BTR transaction status in the payment portal.

To see the request, click on the History tab and you can see the status and action
needed for all non-reconciled cases.

To reiterate, Bank Transfer Receipt (BTR) can be used similarly for

NEFT/IMPS/UPI/Cheque transactions as well.
time
Let us understand about the Emi methods now :

NO COST EMI

A.Credit Card EMI: If a customer wants to pay in installments he can chose the option of EMI
in pay u link and select the desired bank number of months emi required can be selected by the
customer as per their convenience and can make payment and all these Emis are subjected to
interest charged by the bank as per their norms.
1.1Credit card No Cost EMI (Available): Credit card No cost Emi is an option provided to customers
who are interested to pay in installments without any interest being charged for the installments as
generally credit card EMIs have have an interest charged from banks end which is taken care by the
company in case of No Cost EMI as No Cost EMI Discount
For example : As you see in the image beside we see a link which is generated for 5000/- INR and
when no cost emi with credit card option is selected 4 options are given with the no cost emi
discount applied on the 4 options of 3 months,6 months,9 months,12 months etc.. based upon the
number of months a bank can offer according to that particular bank.

Debit card no cost emi : Please make a note of addition of new payment mode of No Cost Debit Card
EMI (NC-DC EMI) on PayU payment page.

To avail this payment method, please follow the following steps:

1. BDA to login to the payment page (payment.byjusorders.com) and select PayU as payment option.

2. Fill in the details to generate payment link

3. Once the payment link is clicked, the page will be routed to PayU portal.

4. Click option of EMI (credit card,debit card)

5. In EMI option, select on Debit card option

6. Select HDFC Bank and enter debit card details
7. Eligible debit cards will be approved for EMI upon completion of details

Process Notes:

1. DC EMI facility is currently available to pre-approved HDFC Bank Debit Card holders (and not
all HDFC Bank account customers)

2. Valid Debit Card issued by HDFC is mandatory to avail this payment method as well as
access to registered mobile number since OTP will be sent to customers.

3. HDFC Bank customers can check their pre-approved limit via SMS or whatsapp from their
registered mobile number (as per bank records). Format to check the limit is as below:
Whatsapp : Save no. 70659 70659 and customer can start interacting on whatsapp by typing
DCEMI
4. Before initiating payment link generation, approved credit limit needs to be checked so that
payment link can be generated equal or less than the approved credit limit. This will ensure
higher approval percentage (process similar to Bajaj Finance or credit limit availability in Credit
Card)

5. Tenure options available are 3/6/9/12 /18months.

Axis , Kotak and HDFC

To check the eligibility pls follow the below steps :

FOR HDFC DC EMI

👇🏻
Customer has to SMS

SMS : MYHDFC

TO : 5676712

Or

Cx has to Save No. : 7065970659

And type" DCEMI on the Whatsapp and the cx will get the Details.

please Note that this has to be done from the registered Mobile no. They have mention in HDFC
Bank

For KOTAK DC EMI

👇🏻
use the following short code for Kotak Bank Debit Card EMI eligibility check -

DCEMI(space)(last4 digits of debit card) to 5676788 to be sent from customer's registered

mobile number

For AXIS bank DC EMI

👇🏻
Sms DCEMI XXXX - Last 4 digits of your debit card to 5676782 from customer's register mobile
number
 Basic prerequisite:

RAZORPAY PAYU
Max. EMI Min. EMI
Min. EMI Tenure in Tenure in Tenure in Max. EMI Tenure in
Credit Card month Months Credit Card month Months
AMEX 3 24 AMEX 3 12
CITI BANK 3 24 CITI BANK 3 24
HDFC BANK 3 24 HDFC BANK 3 24
AXIS BANK 3 24 AXIS BANK 3 24
KOTAK BANK 3 24 KOTAK BANK 3 24
ICICI BANK 3 24 ICICI BANK 3 12
SBI BANK To be included SBI BANK 3 12
INDUSIND BANK 6 24 INDUSIND BANK 3 24
RBL BANK To be included RBL BANK 3 24
STANDARD CHARTED STANDARD CHARTED
BANK 3 12 BANK 3 24
YES BANK 3 24 YES BANK 3 24
BANK OF BARODA 3 24 BANK OF BARODA 3 36

2.Bajaj Finserv :

1. 0% Interest
2. 0% Processing Charges
3. 10% Down payment

4. If the transaction is made between the dates of 1 -20

Procedure:
Open the payment link, go to Bajaj Finserv, enter the customer’s card number or
Registered mobile number, click on send OTP
the customer will receive an OTP on the same number. Enter the otp in the link & the
transaction is done.
To punch an order we require RRN number which acts as the payment reference

Please find the link for the Link for ppt and doc attached for the clear understanding of
process:
PPT LINK https://drive.google.com/file/d/1mFFzvEwC_8dDvaDSdkV6RK1gi-hJY3Lu/view
DOC
LINK-https://drive.google.com/file/d/13Fm_rznvgeFcldOizlwhONrB82tqJrX9/view?usp=sharing

EASY PAY
We do have third party loan providers who provide the customers with no credit card or bajaj card an
option of opting for instalments based upon their CIBIL score and it is mandatory that the customer
looking forward for any of this processes should have an Aadhar card, Pan card and a savings bank
account simply his KYC documents to process the loan .

1. AVANSE
2. IIFL
3. FULLERTON
4. ICICI
5. ABFL
6. KOTAK

BYJU'S LOAN:
Byjus has come up with its own fintech options as well in case if any of the emi method cannot
be provided to the customer but customer is interested to purchase the content then based
upon their Last three month transaction history we provide them the loan eligibility and in assure
the loan is provided only basis the downpayment the customer has paid.

1. BYJUS DIRECT
2. BYJUS ASSURE
 DOWN LOAN
PAYME AGE AMOUN MAX.
Easy Pay DOCUMENTS NT CIBIL SCORE LIMIT T TENURE

PAN,Front & back of

Aadhar card/voter
ID/Passport,Bank
passbook/cancelled Above 620 and ABB 18k-1.2l
Avanse cheque,Live photo 5K based 25-59 ac 12 Months
PAN,Front & back of
E Aadhar card/voter
ID/Passport,Bank

A IIFL
passbook/cancelled
cheque,Live photo 5K
Above 620 and ABB
based 25-59
18k-1.2l
ac 12 Months

S PAN,Front & back of

Aadhar card/voter
ID/Passport,Bank
Y Fullerton
passbook/cancelled
cheque,Live photo 5K
Above 620 and ABB
based 25-59
18k-1.2l
ac 12 Months

P PAN,Front & back of

Aadhar card/voter

A ID/Passport,Bank
passbook/cancelled
ICICI cheque,Live photo 5K Above 680 21-58 20K-60K 12 Months
Y PAN,Front & back of
Aadhar card/voter
ID/Passport,Bank
passbook/cancelled Above 620 and ABB 25K- 1
ABFL cheque,Live photo 5K based 21-58 Lac 12 Months
PAN,Front & back of
Aadhar card/voter
ID/Passport,Bank
passbook/cancelled
KOTAK cheque,Live photo 5K Above 675 21-60 18K-60K 12 Months
3 Months Bank
B statement, Bank
Y BYJUS Passbook front page,
Live Pic ,ID Proof with 14k-Infin
J DIRECT consent 8K Not Required 18-59 ity 12 Months

U BYJUS
Bank Passbook front
page, Live Pic ,ID Proof
S ASSURE with consent 10K-15K Not Required 18-59 10k-50k 12 Months
Cashback : Please go through the below PDF to understand how the cashback process
works in case of NON EMI prepaid orders and how a BDT/BDA can earn more onto their salary
as well as incentives.
DETAILED PDF Link -
https://drive.google.com/file/d/1KWrbqTxkMPFp-ZAfvUmM_9VwY0hPudaI/view?usp=sharing

● Generate cashback for one-shot payment.

● Generate a cashback link with the same number which will be used to punch the order.
● Click on send sms and ask the customer to fill account number and ifsc to get the
cashback.