Payments & Collections (India)
Audience: Organizations that run an academy on Yuno (publish courses/webinars).
Scope: India only. Pricing can be set in USD, INR, and AED (more currencies coming). This page documents the India flow and tax treatment.
What you can sell & how you price
You can publish courses and webinars on your academy.
You can set per-currency prices for each product in USD, INR, and AED. (More currencies coming.)
Unless noted otherwise, all fee calculations in this document are on the price excluding tax.
Who charges whom (India)
Yuno is the Merchant of Record for purchases on Yuno in India.
Customer is invoiced by Yuno for the full amount (base price + GST, where applicable).
Academy invoices Yuno for its share of the sale (base amount only) plus GST.
Yuno:
collects the customer payment via Razorpay (cards/UPI/etc.).
deducts Yuno’s platform fee.
withholds 10% TDS on the academy’s base amount and deposits it on the academy’s behalf.
pays the academy the net payout (see formulas below).
remits net GST to the government (customer GST minus input GST on the academy invoice).
Note on refunds/chargebacks: Refunds, disputes, and other adjustments are outside the scope of this page and will be documented separately.
Yuno platform fee (India)
Your platform fee depends on who drove the sale:
Yuno‑attributed sale: 30% of the selling price excluding tax.
Academy‑attributed sale: 3% of the selling price excluding tax.
Attribution rules (India): See Attribution (India). Each order in your reports will show its attribution source.
What’s included in the fee
Payment gateway/processing charges (Razorpay) are included in Yuno’s fee.
Payout fees: None. Payouts to academies are free.
Attribution (India)
Rule If either the lead (demo request) or the sale/payment happens anywhere other than the academy’s own allowlisted domain/subdomain, the order is Yuno‑attributed. Only when both the lead and the sale happen on the academy’s allowlisted domain/subdomain is the order Academy‑attributed.
What counts as academy‑owned
Domains/subdomains on your allowlist (e.g.,
academy-name.yunolearning.com, verified custom domains likeacademy-name.com,learn.academy-name.com).All other locations — including
yunolearning.com— are non‑academy.
Lookback
Leads are valid for 90 days; if a sale occurs within 90 days of a qualifying lead, that lead participates in attribution.
Staff‑created enrollments
Enrollments created by Yuno staff in the back office are Yuno‑attributed (shown in the enrollment form and reports).
Edge cases
Phone‑closed deals: attribution follows the host where payment is completed.
Unknown/blank sources: default to Yuno.
Subscriptions/installments: inherit attribution from the initial enrollment for all subsequent collections.
Reporting
Each enrollment shows an Attribution Evidence block with:
lead_source_domain/type/timestamp,enrollment_host_domain/type, and a reason code (LEAD_NON_ACADEMY,ENROLLMENT_NON_ACADEMY).
Why it matters
Attribution determines your platform fee: 30% for Yuno‑attributed, 3% for Academy‑attributed.
Taxes & compliance (India)
GST on customer invoice: Yuno charges GST to the customer where applicable (e.g., 18%).
GST on academy invoice: The academy issues a GST invoice to Yuno for its base share; GST is applied as per law and shown as a separate line item.
TDS (Income Tax): Yuno withholds 10% TDS on the academy’s base (pre‑GST) amount, deposits it, and makes the certificate available so the academy can claim it during return filing.
Refund Policy
As an academy owner, by publishing a course on Yuno, you are bound by our refund policy as described in the Learner section.
Payouts
Schedule: Monthly, by the 10th of the following month.
How you get paid: We use Razorpay to send money to your bank account (typically via NEFT/IMPS/UPI).
Fees: None (no payout fees).
Documents available:
Payment Advice/Payout Statement with order‑level detail.
Draft supplier invoice (see below) to minimize manual work.
TDS acknowledgement/certificate when available.
Invoicing options (make it easy)
To reduce effort and errors, Yuno provides a built‑in invoicing flow for India:
Draft & Approve (default)
Yuno prepares a draft GST supplier invoice each cycle with your legal details, taxable value (your base share), and GST lines.
You review and approve it in one click (you can edit legal fields like address/GSTIN before approval).
The approved invoice is locked, attached to the payout, and archived.
Upload your own invoice (fallback)
If you prefer, upload your own invoice for the cycle; Yuno validates totals and highlights any mismatch.
Self‑billing: If/when permitted and enabled, Yuno may offer self‑billing as a separate, opt‑in agreement. For now, use Draft & Approve.
Formulas (India)
Let:
P = Selling price (excluding tax)
g = GST rate (e.g., 18% → 0.18)
f = Yuno fee rate (0.30 for Yuno‑attributed; 0.03 for Academy‑attributed)
t = TDS rate (10% → 0.10)
Derived:
Customer pays =
P × (1 + g)Yuno fee =
P × fAcademy base share =
P × (1 − f)TDS withheld =
Academy base share × tGST on academy invoice =
Academy base share × gNet payout to academy =
Academy base share − TDS + GST on academy invoiceYuno net GST payable =
Customer GST − GST on academy invoice
Worked example — Yuno‑attributed (30% fee)
P = ₹10,000, g = 18%, f = 30%, t = 10%
Customer pays = ₹10,000 × 1.18 = ₹11,800
Yuno fee = ₹10,000 × 0.30 = ₹3,000
Academy base share = ₹10,000 × 0.70 = ₹7,000
TDS withheld = ₹7,000 × 0.10 = ₹700
GST on academy invoice = ₹7,000 × 0.18 = ₹1,260
Net payout to academy = ₹7,000 − 700 + 1,260 = ₹7,560
Yuno net GST payable = (₹11,800 − ₹10,000) − ₹1,260 = ₹540
Worked example — Academy‑attributed (3% fee)
P = ₹10,000, g = 18%, f = 5%, t = 10%
Customer pays = ₹11,800
Yuno fee = ₹10,000 × 0.03 = ₹300
Academy base share = ₹10,000 × 0.97 = ₹9,700
TDS withheld = ₹9,700 × 0.10 = ₹970
GST on academy invoice = ₹9,700 × 0.18 = ₹1,746
Net payout to academy = ₹9,700 − 970 + 1,746 = ₹10,476
Yuno net GST payable = 1,800 − 1,746 = ₹54
Rounding: Final figures may be rounded to the nearest rupee in statements and invoices; minor rounding differences can appear.
Comparison at a glance
Price before tax (P)
₹10,000
₹10,000
Customer pays
₹11,800
₹11,800
Yuno fee
₹3,000
₹300
Academy base share
₹7,000
₹9,700
TDS (10% of base share)
₹700
₹970
GST on academy invoice (18%)
₹1,260
₹1,746
Net payout to academy
₹7,560
₹10,476
Yuno net GST payable
₹540
₹54
Discounts & coupons
If a coupon/discount is applied, Yuno’s fee is taken on the discounted price (excluding tax).
The payout, GST, and TDS calculations all follow from the discounted base accordingly.
Subscriptions & installments
For subscriptions or installment plans, calculations are based on collections (amounts actually received by Yuno):
For each successful charge, let C = the collected amount excluding tax for that installment.
Apply the same formulas as above, replacing P with C (fee, academy share, TDS, GST, net payout are all computed per collection).
Failed or canceled installments are not included in payouts.
Reports & exports
Your Payout Statement includes per‑order (or per‑installment) lines with:
Enrollment ID / Course / Currency
Attribution (Yuno or Academy)
Attribution Evidence (lead source & sale host domain, reason code)
Price (ex‑tax), Discount (if any)
Yuno fee
Academy base share
TDS withheld
GST on academy invoice
Net payout
You can download:
CSV/Excel exports for reconciliation.
Draft supplier invoice PDF for approval.
TDS certificate once available.
FAQs (India)
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