We build modular payment processing infrastructure for banks, payment service providers, and financial institutions across India. Our licensed platform gives you complete control over transaction routing, risk management, and settlement operations.
Payment systems require precision. When you process millions of transactions daily, routing decisions happen in milliseconds, failures need intelligent recovery, and every rupee must reconcile perfectly. Our platform handles this complexity while giving your technical teams full operational control.
Licensed infrastructure for payment products
Aggregator platforms and routing systems
Multi-bank routing and orchestration
High-volume transaction processing
Deploy the complete infrastructure or specific modules based on your operational requirements. Each component is designed for enterprise-grade reliability and configurability.
Dynamic routing across multiple acquiring banks with config-driven, bank-controlled rules.
Automatic retries with intelligent bank switching on timeout, network failure, or decline.
Pre-authorization transaction screening with velocity checks and threshold rules.
PostgreSQL-based immutable transaction ledger with settlement-ready design.
T+0 / T+1 settlement preparation with reconciliation jobs and retry orchestration.
Bank-specific integration layer supporting multiple protocols and formats.
Enterprise-ready Android terminals with hardened OS, integrated payment SDKs, and remote device management.
Deploy the full platform or specific modules based on your requirements. Each component handles a specific aspect of payment processing with well-defined interfaces.
Stateless routing decisions based on configurable rules
Bank-specific protocol conversion and integration
Pre-authorization transaction screening
Immutable PostgreSQL-based audit trail
Settlement and reconciliation orchestration
Role-based permissions and audit logging
Payment aggregators and PSPs need to distribute transaction load across multiple acquiring banks. Manual routing creates operational overhead. Static configurations cannot adapt to real-time conditions like bank downtime, transaction limits, or authorization rate variations.
Our routing engine sits between your payment interface and acquiring bank networks. It makes millisecond routing decisions based on rules you define: distribute load by transaction value, card type, or merchant category; route around banks experiencing high decline rates; respect daily transaction limits; and apply priority rules during peak traffic. The engine operates on configuration, not code.
Payment service providers managing multiple bank relationships. POS network operators balancing load across acquiring partners. Banks building aggregator platforms that need intelligent transaction distribution.
Payment networks experience intermittent failures. Timeouts happen. Banks occasionally return soft declines that might succeed on retry. Manual retry processes create customer friction and reduce authorization rates.
The failover engine automatically handles transaction recovery without customer re-initiation. It retries transactions that fail due to timeout or network issues, switches to alternate acquiring banks when primary routes are unavailable, applies exponential backoff strategies, distinguishes between hard declines and soft failures, and maintains idempotency.
Any organization processing high transaction volumes where authorization rate optimization directly impacts revenue. Particularly valuable for platforms supporting UPI, card payments, and net banking where network variability is common.
Transaction screening needs to happen before authorization attempts reach acquiring banks. Velocity abuse, transaction threshold violations, and suspicious patterns should be caught at the pre-auth layer to prevent fraudulent authorizations and compliance violations.
The risk engine evaluates every transaction against your defined rule set before forwarding to payment networks. Apply velocity checks, enforce threshold limits, implement merchant-specific risk rules, flag high-risk patterns for manual review, and block transactions that violate policies. Rules execute in real-time as part of the authorization flow.
Payment platforms requiring sophisticated fraud prevention. Aggregators managing multiple merchant risk profiles. Organizations subject to transaction monitoring requirements for AML and fraud prevention compliance.
Payment reconciliation requires matching authorization records, settlement files, bank statements, and merchant payouts. Traditional database designs cannot provide the immutability and auditability that financial operations demand. Settlement preparation becomes a manual exercise prone to errors.
Our reconciliation system uses PostgreSQL as an immutable transaction ledger. Every payment event is recorded as an append-only entry with complete traceability. The system provides immutable transaction records, automated matching of authorization and settlement events, exception handling, settlement-ready reporting, and bank statement reconciliation support.
Banks building payment platforms. PSPs requiring audit-ready financial records. Organizations subject to regulatory examination where transaction traceability is mandatory.
Settlement operations require coordinated execution of time-based jobs: reconciliation runs, settlement file generation, bank file uploads, and retry handling for failed operations. Custom cron jobs create maintenance overhead and lack visibility into execution history.
The scheduler orchestrates all time-dependent operations in your payment infrastructure. Schedule T+0 and T+1 settlement preparation jobs, automate reconciliation runs, retry failed settlement operations, generate settlement reports, and send notifications for job completion or failures. Jobs are configured through templates, not code.
Payment platforms managing daily settlement cycles with multiple banks. Operations teams requiring reliable execution of financial workflows. Organizations needing audit trails for scheduled financial operations.
Legacy POS hardware is rigid, difficult to update, and isolated from modern business applications. Banks and fintechs struggle to deploy custom merchant apps or push rapid over-the-air (OTA) updates, slowing down merchant acquisition and feature rollouts.
We provide a fully managed fleet of Android Smart POS terminals designed for open banking. The platform includes a hardened Android OS optimized for payments, a native Kotlin/Java SDK for seamless app integration, and a centralized Mobile Device Management (MDM) dashboard. You control the app store, security policies, and transaction routing directly from the cloud.
Acquiring banks replacing legacy Linux terminals. Fintechs building "Business-in-a-box" solutions for retailers. POS networks requiring real-time terminal health monitoring and remote diagnostics.
The platform stores all transaction data within Indian infrastructure. No payment information, customer data, or transaction records are transmitted outside Indian jurisdiction. This design aligns with RBI expectations regarding data localization for payment system operators.
Our platform architecture follows PCI-DSS design principles including cardholder data encryption, segregated network zones, access control mechanisms, audit logging, and security scanning capabilities. The platform provides the technical foundation for PCI compliance.
Every transaction and operational event is recorded with unique identifiers, millisecond-precision timestamps, user tracking, and complete input-output logging. These immutable audit logs support regulatory examination, internal audits, and dispute resolution.
Financial institutions require operational controls including approval workflows for configuration changes, versioned routing rules with rollback capability, dual authorization for settlement operations, and emergency shutdown procedures for security incidents.
We build the technical infrastructure that powers digital payments in India. Our focus is narrow: providing banks, fintechs, and payment service providers with the engineering foundation they need to operate payment platforms at scale.
Payment processing requires specialized infrastructure. Routing transactions across multiple banks, handling network failures gracefully, screening for fraud in real-time, and reconciling millions of transactions daily—these are complex engineering problems. We solve them so financial institutions can focus on serving customers instead of building payment plumbing.
Our platform is modular. Organizations deploy the components they need: routing engines, risk screening, reconciliation systems, or settlement orchestration. The infrastructure runs in your environment under your control.
Join the financial institutions that trust us with their critical payment operations. Schedule a technical demonstration with our solution architects.
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