> For the complete documentation index, see [llms.txt](https://yuno-learning.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://yuno-learning.gitbook.io/docs/administrators/payments-and-collections-india.md).
# 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 like `academy-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](https://yuno-learning.gitbook.io/docs/learners/refund-and-cancellation).
***
### 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:
1. **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.
2. **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 × f`
* **Academy base share** = `P × (1 − f)`
* **TDS withheld** = `Academy base share × t`
* **GST on academy invoice** = `Academy base share × g`
* **Net payout to academy** = `Academy base share − TDS + GST on academy invoice`
* **Yuno 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
| Metric | Yuno‑attributed (30%) | Academy‑attributed (3%) |
| ---------------------------- | --------------------- | ----------------------- |
| 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)
Are there fees to get payouts in my account?
No
Which gateway is used?
Razorpay. Gateway costs are covered within Yuno’s fee.
Which gateway is used?
Razorpay. Gateway costs are covered within Yuno’s fee.
When are payouts made?
Monthly by the 10th of the following month.
Who deposits TDS?
Yuno withholds and deposits **10% TDS** on your base share and provides the certificate.
How is the fee computed with discounts?
On the **discounted** price (ex‑tax).
Which currencies can I price in?
USD, INR, and AED (more coming).
How is attribution decided?
If either the demo request (lead) or the enrollment happens off your academy’s allowlisted site/subdomain, the sale is credited to **Yuno**; only when **both** happen on your own site/subdomain is it credited to **your academy** (90‑day lead window; staff‑created orders are Yuno‑attributed).