The document discusses various aspects of the payment lifecycle for sellers on an e-commerce platform. It explains when payments are transferred, typically within 10-12 days of order delivery. It provides steps to check payments via settlement reports and order-wise reports. These reports show payment status, deductions for commissions, taxes, penalties etc. The document also addresses reasons for delays in payment or differences from expected amounts, such as bank holidays, account changes, returns, logistics costs and penalties. Sellers can update bank details by submitting a ticket with required information via the seller panel.

1. Payment lifecycle
In this module, we will discuss :
1. When is the payment transferred?
2. How can you check your payments?
3. Why have you not received your payment yet?
4. Steps to update bank details via the seller panel
5. Why have you received a different payment from the expected payout?

2. When is the payment transferred?
- Once your product is delivered to the customer, your payment will be processed
- The payment is transferred everyday except bank holidays and is processed during banking hours only
- The payment for any of your order will reflect in your account within 10-12 working days from the date of delivery of
the product
Order received Order processed Order delivered
Payout process initiated

3. Checking your payments on the
seller panel

4. How can you check your payments?
You can check your payments in these two ways -
The settlements report contains the payout details of
those orders against which payout has been
credited/adjusted. In this report you can check these
details of your settled orders
• Payment date and summary
• Order level deduction details
• Additional charges details
• Adjustment details
• Tax Details
The order-wise report contains the payout details of all
the orders which you have received in the selected date
range. This report contains these order-level details:
• Payment status
• Deductions details
• Adjustment details
Settlements Reports Order-wise Reports

5. Checking your settlements-wise
payout details

6. Steps to check settlements-wise payout details
To check the settlements details, then follow these steps -
Go to Payments tab and click on
Payouts tab
Click on Settlements tab

7. Date filter- you can use this filter to select the date
range as per your requirement
You can select a maximum of 31 days
Total amount settled - Click here to view the total amount
settled/payout received from Paytm Mall
Amount in Process - Here, you can check the amount which is under
process and will be credited/debited accordingly in your account
within the upcoming days
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Steps to check settlements-wise payout details

8. CMS1455XXXXX 914322XXXXXXTEST
Payment Date Amount Settled UTR number Orders Bank Details
The date on
which the payout
was initiated
Total amount
released
The number generated
once the amount is
credited to your bank
Revenue-based – The count of orders against which the
payout is made upon their delivery
Adjustment-based – The count of orders due to which
adjustments were made to the payout (e.g.
Logistics/commissions, RTO/DTO, etc.)
Bank/account
to which
amount was
credited
Steps to check settlements-wise payout details

9. Expand the attributes to see the detailsThis is how your payout has been calculated
Note – In case of any issue regrading Commission charged, a request should be raised with Support within 3 months of the order date. Any dispute after this
timeline will not be entertained and the commission charged will be deemed to be final and accepted
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Steps to check settlements-wise payout details

10. Section name Details
Amount paid by/
reversed to the
customer
The total amount paid by a customer (for an
order) or reversed to him (on account of return)
Commissions
Amount deducted as commissions (exclusive of
taxes):
- Marketplace commission
- Payment Gateway Fees
Logistic charges
Total logistic charges (exclusive of taxes) levied :
- Forward logistics charges
- Reverse logistics charges
Taxes
Total taxes levied on every payout component
Additional Charge
Gives you the details of penalties levied
- SLA breach penalty
- Merchant cancellation penalty
- Other penalties, etc.
Note – In case of any issue regrading Commission charged, a request should be raised with Support within 3 months of the order date. Any dispute after this
timeline will not be entertained and the commission charged will be deemed to be final and accepted
Steps to check settlements-wise payout details

11. Section name Details
Bulk Payment
Any amount debited in bulk (e.g. FC
charges, etc.)
Adjustments
Adjustment made to the settlements,
this can be related to any adjustment
made to:
- Logistics charges,
- PSA claims
- Waving off the penalties, etc.
Others
Any other charge deducted (Closing fee,
etc.)
Net Settlement
Final amount credited to your bank
account
Note – In case of any issue regrading Commission charged, a request should be raised with Support within 3 months of the order date. Any dispute after this
timeline will not be entertained and the commission charged will be deemed to be final and accepted
Steps to check settlements-wise payout details

12. To check the order level payout details click on respective link
See Order level details – List of orders which are delivered to the customer and the payout made to you for the same
See Adjustment Level Details – List of orders for which the adjustment made to the payout (e.g.
Logistics/commissions, RTO/DTO, etc.)
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Steps to check settlements-wise payout details

13. Downloading settlements-wise
payout report

14. Click on the icon to download the payout
report for the selected date
If you want to download the individual settlements-wise payment details in the excel format, then follow these steps -
Click on the download icon Report will be
downloaded in your system
Downloading individual settlements-wise
payout report
Note – Click here to understand these reports in detail

15. Click on Download payment details to download
the payout of the selected date filter
If you want to download payments details from a selected date range in the excel format, then follow these steps-
Downloading settlements-wise payout
report from a selected date range
Click on the download icon Report will be
downloaded in your system
Note – Click here to understand these reports in detail

16. Checking your order-wise
payout report

17. Click on Orderwise Payouts
If you want to check your payment details according to the orders, then follow these steps -
Using search filter you can search your order
Steps to check order-wise payout details

18. Here you can check the status of the payout like -
Pending- Payout is pending to be released
Paid- Payout is credited to your back account
Autoclose- This order is cancelled/returned so no payout will be release for this order. However, if the payout is already
credited to you or there is any cancellation/other charges, then that amount will be recovered by Paytm Mall from you in the
payment cycle to follow
Steps to check order-wise payout details

19. Click on More Details to view the deduction made in the payout
Steps to check order-wise payout details

20. Here you can check the UTR number and the breakup of payout
Note – In case of any issue regrading Commission charged, a request should be raised with Support within 3 months of the order date. Any dispute after this
timeline will not be entertained and the commission charged will be deemed to be final and accepted
- In case of any issue with Logistic Charges or Product Weight, a request to be raised for assistance within 3 months of the Order date. Any query/dispute
raised after this timeline will not be entertained and courier fee charged will be deemed to be final
Steps to check order-wise payout details

21. Downloading order-wise
payout report

22. Steps to download the order-wise payout report
If you want to download the order-wise payment details in a selected date range in the excel format, then follow these
steps -
Select the date range
(You can select maximum 31 days )

23. Click on Download Order Details (New Format) Click on the download icon to download the order-
wise payout report
Steps to download the order-wise payout report
Note – Click here to understand these reports in detail

24. Why have you not received the payment yet?
• Payout will be processed within 10-12 working days after the date of the delivery of the product
• However, there may be occasions when there is a delay in the receipt of the payment
Bank Holiday
• Bank holidays can lead to delayed payments
• Payment will be credited to your account on the next business day
Account Detail Change
• If there has been a recent change in your bank details, there may be a delay in
your payment
• You can update it via the Seller Panel

25. Modify your bank details

26. Steps to update your bank details via the seller
panel
Click on the Support tab Click on My Account
To change your bank details, follow these steps-

27. Click on Manage your Account Click on Modify Bank Details of Merchant ID
Steps to update your bank details via the seller
panel

28. Fill all the required details
Steps to update your bank details via the seller
panel
Attach an image of cancelled cheque for document
proof and then, click on Submit Ticket
Please note your ticket number for the reference

29. Check ticket history

30. How to check ticket history?
Click on Check Ticket history

31. How to check ticket history?
Enter the Ticket ID and click on the search icon Here, you can check the status of the ticket

32. How to check ticket history?
Click on the Ticket number to check more details

33. Why have you received a different payment from
the expected payout?
A number of factors can lead to a different payment from the expected payout:
High returns -
If the customer returns the product against which you’ve already received the
payment, then the refund will be deducted from your next payout
High Logistics -
Wrong packaging can lead to higher logistics charges. Click here to see the packaging guidelines
Possible penalties -
Sometimes, you may have to pay several penalties which could result in a different payout

34. Thanks everyone!
For any query, please raise a ticket using the Seller Helpdesk tab on
your seller panel.