Improving user interface for Payumoney

Many online sellers are preferring Payumoney for selling online, because unlike Instamojo, Payumoney does not demand that sellers upload their PAN card copy. Uploading PAN card documents is always risky especially for a person who has been targetted for identity theft.

However the interface for Payumoney is rather confusing for some users, because it contains an option for UPI/API access which most online shoppers do not understand.
They should also clarify whether there is any advantage of using a Payumoney account for making payment to other customers or they should use their credit card or debit card or net banking if there is no additional advantage
Logging into the payumoney account will be an additional step if there is no major advantage for payumoney members, account holders