Common transaction Platform

Comprehensive Merchant Centric Common Platform that provides online Payment Gateway, supports traditional POS EDC, new generation PC POS and MPOS.

Merchant Onboarding Platform:

  • Comprehensive platform for Merchant onboarding process with self onboarding web portal for merchants
  • Support for Call centre assisted data entry for Merchant onboarding process through chat services and phone
  • Merchant KYC: Online PAN Verification, Aadhar based Verification, CRISIL Credit Score and offline verification with NMAS/MATCH
  • Online and Offline based Risk Assessments, Risk Scoring and Decision Support based on Risk Score
  • Configurable work flow enabled platform for other PG stake holders like operations, finance and risk to review and approve merchant data
  • Easy to integrate Merchant API tool kit for wide range of technology platforms and ecommerce portal frameworks
  • Enables merchants to integrate with the PG with parallel processing of verification and other business requirements
  • Enable Credit cards, Debit cards, Net banking type based on merchant requirements, risk assessments, net bank approvals
  • Enable Support for EMI, SI, MCC, DCC, Quick Checkout, recurring payments based on the merchant category
  • Dynamic Merchant Service Fee (MSF) generation based on rules
  • Support for online payment of setup fees

Merchant Portal

  • Decision Support System: Dash boards and Dynamic analytic Reports for customer transactions, product, channel categories
  • Merchant can setup stores and Hierarchy for PC POS, MPOS operations
  • Configurable rule engine for smart routing of transactions to Acquirers(Banks)
  • View /action on manual settlements
  • Mark partial/Full refunds
  • View Charge backs, representments, upload details, conversation threads
  • View hold transactions
  • Merchant Payouts and ledger view
  • Intuitive role based User Interface
  • Scalable platform with complete transaction management and security
  • Self learning platform that intelligently routes transactions based on response time, peak load, fees and preferences

Transaction Rule Engine

  • Configurable rule engine for smart routing of transactions
  • Scalable platform with complete transaction management and security
  • Self learning platform that intelligently routes transactions based on response time, peak load, fees and preferences

Payment Integrations

  • MPI Toolkit for VISA/MASTER integrations
  • Switch integration capability using ISO8583 /XML messages
  • RUPay Integration
  • Platform manages all requests for Ru Pay transaction to NPCI
  • Enables a PG service provider to acquire and route Ru Pay card transactions
  • AMEX INTEGRATION
  • Platform manages all requests for AMEX transaction to AMEX systems
  • Enables a PG service provider to acquire and route AMEX card transactions
  • RISK RULE ENGINE
  • Configurable RISK rules for merchants and transactions
  • Can identify merchant risks based on transactions history as well as other business parameters
  • Integrates with Third party Risk systems to manage PG risks for transactions

Settlement And Reconciliation Platform

  • Merchant can initiate settlements and refunds
  • Generates settlement for all PG integrated stakeholders and creates bank specific settlement file
  • Account and ledger maintenance for Merchant Payouts, Bank Charges Payments, Tax Payments

OTP ENGINE

  • Plug and Play OTP engine for PG providers
  • Comprehensive and easy to use Integration toolkit
  • Complete OTP generation, capture, validation and logging
  • Detailed reporting for billing and transaction management

Quick Checkout

  • No card presentment platform
  • Stores card details and easy presentment during transaction
  • Easy to integrate with Merchants and enables customers to transact seamlessly
  • Customer Portal to add/modify card details
  • Integrated with OTP engine to verify the customer/customer login
  • Easy to integrate with back end switches for authentication and payment authorisation

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