Credit, debit and prepaid with 3-D Secure step-up, and automatic failover to another acquirer on decline.

Collect requests, intent links and QR for on-screen and in-person flows.

Bank-hosted redirect with automatic return and status reconciliation.

Wallet selection and routing built end to end, ready for a provider to be connected.

A responsive payment page you can redirect to. Card data is tokenised before it reaches you, so it stays out of your PCI scope.

Signed, expiring, single-use links for a fixed amount — collect with no integration at all.

Authorise now and capture later, or settle in one step, configured per merchant.

IMPS, NEFT and RTGS selected automatically — RTGS at ₹2L and above, IMPS for instant transfers below it.

Pay directly to a verified VPA.

Ownership, block-list and cooldown checks before an account becomes payable. Penny-drop name matching is not connected yet.

Per-merchant caps enforced before dispatch, so a leaked key cannot drain a balance.

A payout the bank rejects is credited straight back to the merchant balance — no manual repair, no stuck money.

Submit many transfers in one request, each tracked and reversible on its own.

Fund a merchant wallet through any supported payin method, tracked as its own order and transaction.

Available, pending and reserve held separately for every currency and country a merchant operates in.

Payouts and transfers draw straight from the wallet, with the balance locked during the write so concurrent spends cannot oversend.

Every movement is a double-entry row carrying the balance before and after it — nothing changes a balance silently.

A refund or dispute the balance cannot cover is carried as tracked debt rather than being rejected outright.

Onboard merchants under a reseller, with commission accruing automatically on every transaction they process.

Commission tracked in its own double-entry ledger with its own balance and payout path.

Set pricing per merchant, acquirer, method and currency, resolved at transaction time.

A separate, role-restricted portal so an acquiring partner can see their own volume, health and ledger.

Your logo, palette and domain across the dashboard and checkout.

A signup and KYC flow that carries your identity rather than ours.

Reference validation and bill fetch before payment, so a customer never pays into the wrong account.

Same validate-then-pay flow against the water utility.

Revenue authority and social security collections.

Bill payments draw on the merchant wallet balance and post to the same ledger as every other movement.

Deposit and confirmation model built; node and HD-wallet derivation still to come.

USDT on TRC-20 and ERC-20, planned alongside the chain integrations.

Screening hooks are wired for a KYT provider; no provider is connected yet.

T+0 through T+7 per merchant, with a daily cutoff time.

Let settlement run on the schedule, or hold and release on approval — switchable per merchant.

Hold a percentage as a risk buffer and release it automatically after a set number of days.

A nightly job compares stored balances against the ledger journal and reports mismatches without silently correcting them.

Settled funds pushed to the merchant's own account over NEFT or RTGS.

Consistent envelopes and error codes, documented in OpenAPI with a browsable Swagger console.

Separate credentials per environment, rotatable and revocable, with live keys gated behind KYC.

HMAC-signed delivery through a transactional outbox with exponential backoff, replay and automatic endpoint disable.

Every money-moving endpoint takes an idempotency key — a retried request never charges twice.

A simulator that returns declines, 3-D Secure challenges and async settlement the way a real acquirer does.

Document capture and review against per-country requirements, gating live API keys until it passes.

Disputes debit on receipt, draw against the rolling reserve first, and reverse automatically when you win.

Full and partial, capped against the captured amount and any open dispute, reversing if the acquirer rejects.

Merchant-configured checks on IP, email, domain, card BIN, VPA, country, amount and more, evaluated at order creation.

Account numbers, acquirer credentials and webhook secrets are AES-GCM encrypted at the column level.