All Merchant Features
Everything inside your Merchant Panel
Manage collections, payouts, wallet, staff, disputes, reports, and security from one smart Pay X MinT merchant panel.
Operations
Staff Management
- Create staff users with role-based access for daily operations
- Staff can manually update collection payments if auto-collection fails
- Download/upload sheet method for batch payment reconciliation
- Staff can perform manual payout entries to vendors via staff dashboard
- Permission levels set by admin or merchant
Finance
Wallet Management
- View complete wallet balance and recharge history
- Track platform fee deductions and monthly maintenance charges
- Full GST breakdown and tax reports
- Complete wallet usage reports in one place
- Live balance indicator with real-time updates
Payments
Collection Management
- Expanded transaction view with full payment details
- Customer payment status, UTR/reference number, and payment mode
- Linked business account and settlement status per transaction
- Risk status and flagging per collection
- Export collection reports as downloadable sheets
Risk
Dispute Management
- View all disputed transactions and dispute status
- Customer claims and merchant response tracking
- NOC upload requirement and document management
- Admin remarks and hold status visibility
- Full resolution history per dispute
Analytics
Reports
- Download collection, payout, and wallet reports
- Dispute and staff activity reports
- Business account performance reports per provider
- Date-range filtering and CSV export
- Animated live chart view for quick insights
Security
Profile & Security
- Manage KYC documents: Aadhaar and PAN upload
- Business details and contact information management
- Bank account details for refunds
- Two-factor authentication (2FA) for merchant login
- Session activity and login history
Alerts
Telegram Notifications
- VPA/account limit warnings and disconnection alerts
- Wallet recharge reminders and monthly maintenance notices
- Risk alerts and suspicious transaction notifications
- Payout and webhook status alerts
- Admin-to-merchant direct notifications via Telegram
Setup
Management Requests
- Submit IP whitelist and webhook whitelist requests
- Collection and payout webhook configuration
- Admin reviews and activates all requests
- Minimum wallet balance of ₹5,000 + GST required
- Status tracking for all pending requests
Integration
Connect Business Accounts
- Connect GPay Business with dedicated onboarding flow
- Link Paytm Business for direct UPI settlement
- PineLabs PG connection with UTR submit flow
- Separate connection flow per provider
- Multiple accounts — up to 5 by default
On Request
Payout Activation
- Request payout API activation from merchant panel
- Admin enables after review on additional integration charges
- Supports vendor payout via API
- Payout status tracking and webhook notifications
- Staff can initiate manual payouts within set limits
API
Payin Collection API
- Request Payin Collection API integration (similar to Razorpay/Cashfree)
- Enabled after admin approval on additional charges
- Redirect integration for simple checkout flow
- Seamless API for full UI control on your site
- WordPress/WooCommerce plugin available
Support
Telegram Support
- Direct Telegram support from admin inside merchant panel
- Help with onboarding, integration, and wallet recharge
- Business account connection assistance
- Webhook/IP whitelist and payout activation support
- Dispute and compliance help