Industries · 16 guides
The same rails, very different money problems
A school, a hospital and a freight company all use UPI, cards and bank transfers. What differs is when money arrives, who pays, what the rules say and where it goes wrong. Each guide below starts from the industry, not the product.
Selling across borders
Customers, sellers or suppliers outside India: currencies, export records and RBI's rules for cross-border payment aggregators.
Recurring revenue
Fees, premiums and subscriptions that come back every month, term or year, under India's mandate rules.
Regulated financial services
Lenders and financial institutions, where how money may move is set by RBI and other regulators.
Bookings, stays and projects
Deposits taken before the service, balances after it, and refunds in between.
Operations at scale, and on your own
From fleets and multi-entity groups to one-person businesses: many flows, or one person handling all of them.
Start from the problem instead
Many payment problems cross industries. If you know the problem better than the category, these are the guides that go deepest on each.
| Problem | Industry guides | Product guide |
|---|---|---|
| Payments arrive without saying who they're from | Education, Real estate | Virtual accounts |
| Renewals and instalments fail | Startups & SaaS, Insurance | Subscription payments |
| Deposits and refunds cause complaints | Healthcare, Travel | Refunds |
| Customers or sellers are abroad | Cross-border D2C, Marketplaces | International payments |
| Paying many people reliably | Logistics, Lending | Bulk payouts |
Don't see your industry?
These guides cover sectors with distinctive payment patterns, not every business Peneu can talk to. Tell us how your customers pay and how you pay others; whether Peneu can help is confirmed during onboarding.