Frequently Asked Questions

Do you have a Query? Don’t worry we’ve answers for all your doubts.

About NTT DATA Payment Services

Incorporated in 2006 as Atom Technologies, now, NTT DATA Payment Services is a Payment Service Provider which allows merchants and businesses to seamlessly collect digital payments over Payment Gateway, POS, IVR and Mobile Application over secured links. It was acquired by NTT DATA, a global innovator, and a Japanese system integration company in 2019.

NTT DATA Payment Services covers your digital payment acceptance needs over all platforms- Online and Offline and offers over 100 payment options which lets you accept payments from your customers through every possible channel.

NTT DATA Payment Services is closely knitted over 6 million+ businesses, all over the globe and has provided them with unmatched service and an impeccable relationship.

NTT DATA Payment Services understands the importance of trust and security and is therefore complied with PCI DSS 3.2 V and is 256-bit encrypted, providing you with a bulletproof payments interface.

NTT DATA Payment Services’ core offerings include:

  • Payment Gateway
  • Point of Sale
  • Interactive Voice Response
  • mGalla – Merchant Mobile Payment App.

Apart from these, NTT DATA Payment Services also lets you accept payments through new-age payment options like Link-based payments, UPI, QR Scan and Pay, Invoices, BNPL, among others.

NTT DATA Payment Services processes an annual 100 million + and INR 800 billion + transactions, in terms of volume and value, respectively.

Yes, NTT DATA Payment Services supports all modern mobile devices and tablets which include Android and iOS.

Registration & Activation

To avail NTT DATA Payment Services’ services, go to nttdatapay.com, Click on Sign Up button and fill in your details along with the service or services you want to avail. One of our sales executives will get in touch with you, shortly.

NTT DATA Payment Services is a 360-degree payment solution provider with multiple payment options like POS, IVR, Invoice-based, Link-based and QR payments which does not even require you to have a website or mobile application.

NTT DATA Payment Services requires a certain set of documents as per your business type when you apply to avail its services. To know the complete list of documents, visit https://www.nttdatapay.com/blog/documents-required-to-integrate-payment-gateway/

When looking to integrate NTT DATA Payment Services Payment gateway, your website must be complying to the following https://www.nttdatapay.com/blog/compliance-requirements-for-payment-gateway/

As per our business policies, NTT DATA Payment Services does not support businesses that deal in certain prohibited items. To know more, click on https://www.nttdatapay.com/company/banned-products

  • A working website for ecommerce business with About us, Terms and Conditions, Privacy policies, Cancellation & refund policies, return & replacement (timelines), delivery policy along with timelines, contact information like telephone & email details.
  • Documentation to complete Know Your Customer norms (KYC)
  • An Indian business bank account
  • Summary of what your business will be doing
  • Business should not fall under the restricted category

No. Your Indian Business Bank Account details that you would provide while signing up with NTT DATA Payment Services will be considered your primary account for settlement and other transactional activities.

NTT DATA Payment Services believes in boosting your business by equipping you accept payments from your overseas customers in international currencies as well.

As soon as you fill up the Sign-Up form on nttdatapay.com, our Sales executive will get in touch with you to walk you through the documents you need to submit to avail the services. Once your documents are validated, NTT DATA Payment Services will activate your account, enabling you to accept online payments.

Pricing Plans

NTT DATA Payment Services believes in and promotes transparency and therefore our rates are one of the best in the industry. We do not levy any hidden charges, whatsoever.

Our Payment Gateway Pricing details are available at: https://www.nttdatapay.com/pricing/payment-gateway-charges

Our POS Pricing details are available at: https://www.nttdatapay.com/pricing/Card-swipe-machine-price

TDR or Transaction Discount Rate is the fee paid for every transaction processed using the payment gateway. These rates may differ based on the payment mode used by the customer.

A simple one time set up fee and an annual maintenance cost is levied by NTT DATA Payment Services to its merchants for constantly updating and enhancing our services and innovations.

No, the cost is exclusive of GST

NTT DATA Payment Services provides customised rated for business dealing with large volumes and value of transactions. You can always get in touch with our Customer Support team for such queries.

Integration and Technical

NTT DATA Payment Services offers hassle-free, user-friendly APIs with detailed document and comprehensive technical support for you to integrate its Payment Gateway on your website and mobile application. To integrate our payment gateway, click on https://www.nttdatapay.com/developer-guide

Sign up with NTT DATA Payment Services for its POS solutions by clicking on https://www.nttdatapay.com/sign-up. Post verification, one of our executives will get in touch with you to deliver the device and assist you with the POS installation.

To integrate NTT DATA Payment Services payment gateway for your mobile application, simply download our light-weight SDKs for Android or iOS from https://www.nttdatapay.com/developer-guide

Once you have integrated NTT DATA Payment Services payment gateway, you can accept payments through Credit Card, Debit Card, Net Banking, UPI, Bharat QR, Tez, EMI, AMEX, NEFT/RTGS, Wallet, BNPL, PayPal, International Cards, Challan, etc.

Yes, NTT DATA Payment Services lets you accept payments from your overseas customers in international currencies. (Subjected to bank approval)

NTT DATA Payment Services provides EMI facilities for credit cards of major banks. This entails,

  • Axis Bank
  • HSBC Bank
  • Kotak Bank
  • HDFC Bank
  • Standard Chartered Bank
  • YES BANK
  • RBL
  • AMEX Cards

NTT DATA Payment Services believes in providing you with solutions that best suit the needs of your business and therefore, allows you to customise and choose the payment options you would like to offer your customers.

NTT DATA Payment Services provides more than 25 ready-to-use plugins. This includes, WooCommerce, Magento, OpenCart, among others. Check out our plugins at https://www.nttdatapay.com/developer-guide

Payment & Settlement

NTT DATA Payment Services offers EMI facility on all major bank Credit Cards through which you can accept payments from your customers. This includes:

  • Axis Bank
  • HSBC Bank
  • Kotak Bank
  • HDFC Bank
  • Standard Chartered Bank
  • YES BANK
  • RBL
  • AMEX Cards

No. There is no limit or cap on the number of transactions.

NTT DATA Payment Services offers you one of the fastest settlements and follows T+0 cycle when it comes to the amount to be credited in the bank account, where T refers to the day of transaction.

Payments are processed on T+0 and T+n basis, where T refers to the day of transaction and fund credit will be done once in a day. You can either choose from same day settlement or customized settlement, as per your convenience.

Refund & Chargeback

Once you initiate the refund, a confirmation email is sent to your registered email ID. Merchants can also log in to their Merchant admin console to check the status of their refund from https://pgreports.atomtech.in/PaynetzWebMerchant/f_Login.action

Refunds generally take 24-48 hrs to be processed. Bank usually takes 3-5 business days from the date of refund to reflect the amount in your bank account (excluding Saturdays, Sundays, and Bank Holidays).

To understand how refund works and why does it take so long, go through https://www.nttdatapay.com/blog/quick-refund-guide-why-refund-takes-time-to-reach-customers/

Merchant"s name will appear on the statement of a customer"s credit card from where the transaction has originated.

When the merchant requests to initiate a refund, NTT DATA Payment Services will process through respective payment schemes-Visa, MasterCard, RuPay etc.

Helpdesk & Customer Support

To connect with NTT DATA Payment Services for your payment gateway related queries, drop a mail at or call 1860 266 4959 and press 1. It takes us one working day to get in touch with you and address your queries. You can also connect with our live chat agent through the chatbot on our website.

Drop a mail at poshelpdesk@atomtech.in or call 1860 266 4959 and press 2 for POS related assistance. It takes us one working day to get in touch with you and address your queries. You can also connect with our live chat agent through the chatbot on our website.

To request paper roll for your POS device, go to https://www.nttdatapay.com/customer-care/, enter your TID number in the column post selecting "Request for POS Paper Roll" and click on submit. Our customer care executive will get in touch with you to resolve your query. You can also make the request through the chatbot on our website.

Go to https://www.nttdatapay.com/customer-care/ and select "EDC Machine related issue" from the tab. Enter your TID, select the issue you are facing from the drop down and click on submit. Our customer care executive will get in touch with you to resolve your query. You can seek resolution through the chatbot on our website.

If you require training for your POS device, click on https://www.nttdatapay.com/customer-care/ and select "Require training" tab. Enter your TID and click on submit for our customer care executive to get in touch with you to resolve your query. Or connect with our agents on the chatbot from our website.

If you are not satisfied with the resolution provided to you, get in touch with our Customer Grievance Officer at grievanceredressal@atomtech.in

Please check your network operator and SIM card. If you are still facing the same issue, then contact our Help desk at 1860 233 4959 and Press 2. Or chat with our agents through the chatbot on our website

In case your transaction fails on the POS then please try again and if you are still facing the same issue, then contact our help desk at 1860 233 4959 and Press 2. Or chat with our agents through the chatbot on our website

If you are facing issues with your POS card swipe machine, then:

  • Check your network operator and SIM card.
  • Check your APN name.

In case the issue is not resolved, get in touch with our help desk at 1860 233 4959 and Press 2. Or chat with our agents through the chatbot on our website.

Refunds are generally processed by bank after 24-48 hrs of the transaction. Bank usually takes 3-5 business days from the date of refund to reflect in your bank account (Excluding Saturdays, Sundays and Bank Holidays). To understand how refund works, go through https://www.nttdatapay.com/blog/quick-refund-guide-why-refund-takes-time-to-reach-customers/

Bill payments are updated within 2 days on the merchant"s website. Your amount will be refunded back to your source account within 48 hours. For any further assistance, you can connect with our live chat agent through our chatbot on our website.

Typically, network failures lead to such situations. Contact the merchant and provide your merchant transaction ID and NTT DATA Payment Services transaction ID (available on Dashboard and your transaction email). For any further assistance, you can connect with our live chat agent through our chatbot on our website.

  • Confirm whether the payment processed was successful by checking your transaction confirmation emailer.
  • In case of successful transactions, please contact the customer support team of the merchant and provide your merchant transaction ID along with NTT DATA Payment Services transaction ID (available on your transaction email).
  • In case of unsuccessful transactions, the amount will be auto refunded within 48 hrs. Kindly check your buyer dashboard to see the status of your refund.

It could be possible that your card is disabled for online e-commerce transactions. Simply, contact your bank and request to activate online transactions on your debit card.

The Debit card which shows "transaction failed" status in following circumstances: -

  • Online service not enabled on Card
  • Insufficient Bank Balance,
  • Limit Reached,
  • Authentication Not Available (cases where VDS is not reachable)
  • Card blocked by inputting wrong password, multiple times.
  • Expiry of card,
  • Entering Wrong Number
  • Entering wrong or no OTP for validation

The Debit card shows "Auth Error" status under following circumstances: -

  • Invalid Brand
  • Invalid Card Number
  • Invalid Expiration Date
  • Invalid Card Verification Code
  • External message system error
  • Invalid Card Name (If there is validation at bank"s end)

The Debit card shows "NOT+CAPTURED" status under the following circumstances: -

  • Expired Card
  • Insufficient Funds
  • Transaction Not Permitted to Cardholder
  • Exceeds Withdrawal Amount Limit
  • Restricted Card
  • Bad Track Data
  • Declined by Issuing Bank
  • Blocked by Issuer
  • Suspected fraud, decline / Transactions declined based on Risk Score

If you have not received a mail confirmation and the payment has failed, the amount will be auto refunded to you within 7 to 10 days from the transaction date. If you do not receive the refund in 7 to 10 days, please provide the below details by raising a request and our executive will get back to you at the earliest:

  • E-mail address
  • Amount and date of debit
  • Screenshot of the debit, in case it was a net banking or wallet transaction
  • UPI reference number if it was a UPI transaction
  • Last 4 digits of the card used, in case this was a card transaction
  • Bank reference or NTT DATA Payment Services Transaction ID

You can also connect with our agents through the chatbot on our website for further resolution.

If the funds have been debited from your account and you have not received a ticket confirmation, it is considered as an unsuccessful payment, and you will receive the amount in your account within 7-10 working days from the date of transaction. If you do not receive a credit in your account even after 10 working days, kindly create a ticket and provide us with the following details:

  • BUS transaction ID
  • A copy of bank statement from the date of debit, till date.
  • UPI Reference number (if the transaction is via UPI)

You can also connect with our agents through the chatbot on our website for further resolution

Fraud & Dispute

NTT DATA Payment Services is only a medium to make and accept payments between you and the merchant. In case of a dispute, please get in touch with the merchant directly.

NTT DATA Payment Services serves as an interlink for payments disbursal between a customer and a merchant and does not intervene when it comes to resolving a pending dispute. Please get in touch with your merchant directly, for the same.

To report a potential fraud or unauthorised transaction, drop us a mail at rcu@atomtech.in

In case you did not receive your order post the delivery date, please get in touch with the merchant directly, for assistance. Also, drop a mail at helpdesk@atomtech.in to intimate us about such merchants.

Fraud & Dispute

NTT DATA Payment Services lets you earn a generous one-time commission and a recurring income simply for offering its products and solutions to your client base. This is referred to as NTT DATA Payment Services reseller program.

NTT DATA Payment Services Reseller program is open to Everyone. Whether you are an Individual, Freelancer, or an organization, you can refer NTT DATA Payment Services solutions and make decent earnings out of it.

To become an NTT DATA Payment Services Reseller, click on https://www.nttdatapay.com/sign-up and one of our executives will get in touch with you to introduce you with the processes to be followed.

You must have the following documents when applying to be an NTT DATA Payment Services Reseller:

  • Pan Card
  • Address proof which may include Voter ID card, Driving License or Passport of the signing authority.
  • A cancelled cheque of your bank account and GST Certificate (only if you are a registered company).

Hiring & Jobs

To work at NTT DATA Payment Services, go to our career portal on https://www.nttdatapay.com/career and select the role that best suits you.

No. As of now, NTT DATA Payment Services does not offer remote job opportunities. Although you can earn a steady income by being one of NTT DATA Payment Services resellers. To become a reseller, click on https://www.nttdatapay.com/sign-up

For internship opportunities with NTT DATA Payment Services, drop in your updated CV on careers@atomtech.in and we will get in touch with you as soon as something comes up.

NTT DATA Payment Services is headquartered in Mumbai and holds an office at 4th Floor, Suraksha Ace Building, CST No. 34/3, Village Chakala, Plot No. 2-A, Andheri Kurla Road, Andheri (East), Mumbai, Maharashtra 400059. We also have multiple regional offices situated all over India.