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How a transaction flows

MerchantAccepts payment
DigiPay.GuruAcquirer Platform
SwitchProcessor / Network
Issuing BankAuthorizes funds
SettlementFunds disbursed

WHAT IT IS

What is a Merchant Acquiring Platform?

A merchant acquiring platform enables financial institutions and payment providers to acquire, manage, and service merchants that accept digital payments. It serves as the operational backbone for your acquiring business.

DigiPay.Guru delivers all these capabilities through a single, configurable platform designed for both domestic and international acquiring environments.

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  • Merchant onboarding and approval workflows
  • Payment acceptance management across channels
  • Merchant hierarchy and outlet management
  • Transaction authorization and processing
  • Settlement and reconciliation automation
  • Fee and commission management
  • Risk monitoring and fraud controls
  • Merchant analytics and reporting

Platform Capabilities

Everything You Need to Run a Full Acquiring Business

DigiPay.Guru gives banks, PSPs, and fintechs a complete merchant acquiring stack — from onboarding to settlement — in one ready-to-deploy platform.

1+

Platform for the full acquiring lifecycle

6+

Payment acceptance channels

Global

Global deployment ready

API-First

Open integration architecture

HOW IT WORKS

Complete Merchant Acquiring Lifecycle

Our platform manages every stage — from merchant sign-up through daily transaction processing to final settlement payout.

1

Merchant Acquisition

2

Merchant Management

3

Payment Acceptance

4

Transaction Processing

5

Settlement & Reconciliation

Merchant Acquisition

Digitally onboard merchants through configurable KYC and compliance workflows. From individual traders to large corporates, streamline the path from application to active merchant.

Individual & Corporate
Merchant KYC & KYB
Document Verification
Approval Workflows
Risk Assessment
Compliance Screening

Everything You Need to Run Acquiring Operations

Six fully integrated modules covering every function of a modern merchant acquiring business.

Merchant Onboarding · KYC Console
Live
Digital Onboarding
12 merchants activated today
ACTIVE
KYC & KYB Verification
PAN, GST, Director verified
VERIFIED
Compliance Screening
AML · Sanctions · PEP checks
PASSED
Risk Scoring
ML-based · Score: 74/100 Low
LOW RISK
4 workflows completed · Avg activation time: 18 min

Merchant Onboarding & KYC

Accelerate merchant activation while maintaining regulatory compliance. Digital workflows replace manual paperwork from day one.

  • Digital Onboarding
  • KYC & KYB
  • Compliance Screening
  • Risk Scoring
Merchant Hierarchy · RetailCo Group
4 Levels
Nexus Bank Ltd
Principal Acquirer
L1
RetailCo PayFac
Payment Facilitator · 0.15% GTV
L2
Puma India Pvt Ltd
Sub-Merchant · 7 outlets
L3
Linking Road, Mumbai
Outlet · 3 terminals active
L4
2,840 merchants · 9,310 outlets · Fee rules cascading

Merchant Management System

Centralized control over merchants, outlets, relationship managers, and operational structures — all within a unified hierarchy.

  • Merchant Hierarchy
  • Outlet Hierarchy
  • Segmentation
  • Relationship Mgmt
Explore MMS
Terminal Console · Linking Rd, MUM
2 Online
Ingenico Move 5000
TID: 88041239 · POS · Online
₹62,400
Samsung A54 SoftPOS
TID: 88041940 · SoftPOS · Online
₹41,100
PAX A920 Pro
TID: 88041141 · Android POS
Alert
Verifone VX520
TID: 88041560 · POS · Review
₹28,700
50K+ terminals managed · <2 min activation · OTA keys

POS & Device Management

Manage the full terminal lifecycle — from inventory and deployment to performance monitoring and configuration.

  • Terminal Inventory
  • Device Assignment
  • Activation
  • Performance Analytics
Explore POS Management

QR Acquiring Management

Enable scalable QR payment acceptance programs with static and dynamic QR generation, merchant management, and settlement.

  • Static & Dynamic QR
  • QR Management
  • Transaction Tracking
  • QR Settlement
Explore QR Management
Settlement Engine · Batch 0841 · T+1
Closed
Gross Transaction Value
Puma India · Visa Credit
₹10,000
MDR Deduction 1.40%
Visa Credit Domestic
−₹140
ISO/Agent Commission
RetailCo PayFac · 0.15% GTV
−₹15
Net Settlement to Merchant
ICICI Bank · A/C ****1221
₹9,760
2,840 txns settled · 340ms batch close · 99.99% accuracy

Settlement Engine

Automate merchant and partner settlements with configurable cycles, MDR management, revenue sharing, and automated payouts.

  • Merchant Settlement
  • Partner Settlement
  • Revenue Sharing
  • Automated Payouts
Explore Settlement System
Risk Dashboard · Portfolio · Live
2 Alerts
Velocity Breach
Card 4111•••150 · 9 txns / 4 min
BLOCK
Blacklist Match
MID: 40281299 · BIN: 511348
BLOCK
Unusual Amount
+₹98,300 · avg ₹4,200
REVIEW
Cleared — Puma India
Score: 12 · Low risk approved
PASS
500+ fraud rules · Sub-50ms scoring · 99.6% accuracy

Risk & Fraud Management

Protect acquiring operations through configurable velocity controls, transaction limits, risk scoring, and fraud detection rules.

  • Velocity Monitoring
  • Risk Scoring
  • Watchlists
  • Fraud Rules
Explore Risk Management

MERCHANT ACQUIRING SOLUTION

Enhancing payment acceptance, a one step further

Tap to phone

Enable seamless ‘tap to phone’ payment acceptance for your merchants! And enhance transaction speed and customer convenience.

  • One-click transactions
  • Contactless payments 
  • Enhanced payment experience
Learn more

Invoice payments

Make receiving payments effortless for merchants with invoice payments. Streamline billing processes and boost revenues!

  • Enhanced payment tracking
  • Automated payment handling
  • Seamless invoice management
Learn more

Who It's For

Designed for Every Acquiring Business Model

Whether you're launching from scratch or modernizing legacy infrastructure, DigiPay.Guru fits your business model

Banks

Retail & Commercial Banks

Expand your acquiring portfolio and merchant services without building from scratch. Add new acceptance channels and grow merchant revenue on modern infrastructure.

PSP

Payment Service Providers

Launch and scale merchant acquiring operations with a platform that handles onboarding, processing, and settlement — letting you focus on growing your merchant base.

PayFac

Payment Facilitators

Manage sponsored merchants and sub-merchant hierarchies with purpose-built controls for PayFac business models, including underwriting and risk management.

Fintech

Fintech Companies

Build a merchant payment ecosystem on a flexible, API-first platform. Integrate deeply and go to market faster without building core acquiring infrastructure.

Acquirer

Acquiring Institutions

Modernize legacy acquiring infrastructure with a scalable, cloud-ready platform that supports high transaction volumes and growing merchant portfolios.

Telco

Telcos

Enable merchant acceptance within your digital financial services ecosystem. Leverage existing merchant relationships to launch a full payment acceptance service.

Platform Architecture

Enterprise-Grade Infrastructure

Built for high-volume transaction environments and global acquiring operations.

  • API-First Architecture for seamless integrations
  • Multi-Tenant Deployment for multiple business units
  • Cloud or On-Premise Hosting flexibility
  • High Availability Architecture with redundancy
  • Horizontal Scalability as your merchant base grows
  • Multi-Country Support for international operations
  • Multi-Currency Support for global transactions
  • Open Integration Framework for switches & processors
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Why DigiPay.Guru

Built for Operators Who Demand More

Not just software — a full acquiring technology foundation built for the realities of running a payment business.

Faster Time to Market

Launch acquiring services quickly using pre-built modules and configurable workflows. Skip years of development and go live in weeks.

Flexible Configuration

Adapt the platform to local regulatory, operational, and business requirements. No rigid frameworks that force you to compromise on product design.

Scalable Infrastructure

Support growth from thousands to millions of merchants. The platform scales horizontally without requiring architectural rewrites.

Global Deployment Ready

Designed for banks, PSPs, fintechs, and acquirers operating across multiple countries and currencies. One platform for your entire global operation.

Get Started

Ready to Launch Your Merchant Acquiring Business?

Transform your acquiring operations with a modern payment acceptance platform — built for merchant onboarding, transaction processing, settlement automation, and business growth at scale.

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Frequently asked questions

Banks, payment service providers, payment facilitators, fintechs, acquirers, and financial institutions looking to launch or expand acquiring services. The platform is designed to support multiple business models within the same deployment.

Yes. The platform supports POS terminals, SoftPOS, QR payments (static and dynamic), mobile payments, e-commerce, and contactless acceptance channels — all managed from a single platform.

Yes. The platform includes a fully configurable settlement and reconciliation engine with support for MDR calculation, commission management, multi-party settlement, and automated payout scheduling.

Yes. Multi-country and multi-currency deployments are fully supported. The platform is designed for both domestic and international acquiring operations and can handle cross-border merchant portfolios.

Yes. The platform offers a comprehensive API and open integration framework for connecting payment switches, processors, issuing banks, and third-party systems. It is built API-first to support flexible integration architectures.

Both options are available. The platform supports cloud deployment for flexibility and scalability, as well as on-premise installation for organizations with specific data residency or infrastructure requirements.

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2019

Founded in

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120+

In-house Tech experts

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15+

Country served

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100k+

Customers Achieved by our clients

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10+

Paytech leader partnerships

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8+

Fintech Platforms Introduced

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