# Payments and Refunds Overview

How to access on Fynd Commerce 
Commmerce Panel → Sales Channel (in the left pane) → Settings → Cart & Payments → Payments

The **Payments and Refunds** section allows you to configure how customers pay for orders and how refunds are processed.

From this section, you can:

* Enable online and offline payment methods
* Control payment visibility and sequencing
* Configure refund rules and priorities
* Define payout methods for customer refunds


All payment and refund configurations are managed from a centralised interface.

## Payments

Payments are divided into two types:

### Online Payments

Enable digital payment methods for your storefront such as UPI, Cards, Wallets, and Net Banking through supported payment gateways.

From the Online Payments section, you can:

* Activate or deactivate payment gateways
* Configure gateway credentials
* Enable specific Modes of Payment (MOPs) and Sub-MOPs
* Control payment visibility by business unit and device
* Set the display order of payment methods


For detailed configuration steps, refer to:

* [Online Payment Overview](/commerce/docs/payments/online-payments/overview)
* [Activate or Deactivate Payment Gateways](/commerce/docs/payments/online-payments/active-diactive)
* [MOP and Sub-MOP Configuration](/commerce/docs/payments/online-payments/mop-submop)


### Offline Payments

Enable payment methods that are collected outside the online gateway flow.

Supported options include:

* Cash on Delivery (COD)
* Card at Store
* Cash at Store
* UPI at Store


You can configure availability rules, order limits, and applicable devices.

For setup instructions, refer to:

* [Offline Payment Overview](/commerce/docs/payments/offline-payments/overview)
* [Cash on Delivery Configuration](/commerce/docs/payments/offline-payments/cod)


## Refunds

The **Refunds** section allows you to control how returned orders are refunded.

You can:

* Define refund method priority
* Enable back-to-source refunds
* Enable credit note refunds
* Configure payout options
* Enable proportionate refunds at shipment level


For detailed configuration, refer to:

* [Refund Configuration](/commerce/docs/manage-website/refund/refund-configuration)
* [Refund Method Settings](/commerce/docs/payments/refunds/refund-method)
* [Payout Options](/commerce/docs/manage-website/refund/payout-option)


## Related Configuration

Payments and refunds work closely with:

* [Order Management](/commerce/docs/oms/oms-overview)
* [Return Eligibility](/commerce/docs/manage-website/other-configuration/rma)