Sub-gateways

A sub-gateway is what your customer sees at checkout — UPI, Cards, Net Banking and so on. A provider is the integration that actually takes the money behind the scenes — Razorpay, Cashfree, PhonePe, PayGlocal or Zoho Payments. Your customer picks a sub-gateway; RelyPay's routing picks the provider.

That split is the whole idea: you can change which provider handles UPI without your customers ever noticing, because the "UPI" option they click stays exactly the same.

Setup → Payment Gateways

The ten sub-gateways

When you activate RelyPay it generates ten sub-gateways as real WHMCS gateway modules. Each behaves like any other gateway in WHMCS — you enable and order it under Setup → Payment Gateways.

Module	Display name	Currency	Methods it offers
relypay_upi	RelyPay — UPI	INR	Pay via UPI (GPay, PhonePe, Paytm & more)
relypay_cards	RelyPay — Cards	all	Credit & Debit Cards (domestic + international)
relypay_netbanking	RelyPay — Net Banking	INR	Internet Banking (all major banks)
relypay_wallets	RelyPay — Wallets	INR	Digital Wallets (Paytm, PhonePe & more)
relypay_paylater	RelyPay — Pay Later	INR	Buy Now Pay Later (Simpl, LazyPay & more)
relypay_emi	RelyPay — EMI	INR	Easy Monthly Instalments on credit cards
relypay_paypal	RelyPay — PayPal	non-INR	Pay with your PayPal account
relypay_other	RelyPay — Other	non-INR	Additional international payment methods
relypay_default_domestic	RelyPay — Default Domestic	INR	All INR methods (UPI, Cards, Net Banking, Wallets, Pay Later, EMI)
relypay_default_international	RelyPay — Default International	non-INR	All non-INR methods (Cards, PayPal, Other)

Default gateways vs method-specific gateways

There are two kinds of sub-gateway, and you choose between them based on how you want checkout to look:

• The two "Default" gateways — RelyPay — Default Domestic and RelyPay — Default International — each expose every method for their currency scope in a single option. Default Domestic covers all INR methods; Default International covers all non-INR methods. They keep checkout compact: one domestic button and one international button.
• The eight method-specific gateways — UPI, Cards, Net Banking, Wallets, Pay Later, EMI, PayPal and Other — each expose a single method as its own checkout option. They give customers explicit, familiar buttons to choose from.

Currency scope

The Cards gateway works for all currencies, because cards can be domestic or international. The other method-specific gateways are scoped to INR, except PayPal and Other, which are non-INR. WHMCS shows a gateway only when the invoice currency fits.

Enabling sub-gateways

1. Go to Setup → Payment Gateways.
2. Find the RelyPay sub-gateways in the list (their display names all begin with RelyPay —).
3. Activate the ones you want and set their display order, exactly as you would any other WHMCS gateway.

Only the sub-gateways you enable appear at checkout. You do not have to enable all ten.

Which should you enable?

• Want the simplest checkout? Enable just the two Default gateways. Domestic customers see one INR option, international customers see one non-INR option, and every method is available under each.
• Want customers to pick a specific method? Enable the method-specific gateways you care about — for instance UPI, Cards and Net Banking for a mostly-Indian audience, plus PayPal if you sell abroad.
• Selling internationally? Make sure Cards (or Default International) is enabled so international cards have a home, and see Recurring payments if you charge on a schedule.

Avoid a cluttered checkout

Enabling both a Default gateway and its individual methods can show the same method twice. Pick one style — Default gateways or method-specific gateways — for a clean checkout.

To control which of your enabled sub-gateways different customers actually see, use Allocations.

Related pages

• Routing — which provider takes each payment
• Allocations — show different methods to different customers
• Configuration — connect the providers behind these sub-gateways