For Fintechs, Neobanks & Super-Apps

Your Fintech.
Payments
Included.

You didn't start a fintech to become a payment processor. But you need acquiring infrastructure underneath everything you're building.

DigiPay.Guru gives it to you — embedded, API-first, and live in six weeks — so you can ship the product, not the plumbing.

Start Building

Embedded SDK — Android, iOS, React NativeREST API for every operationLive in 6 weeksWhite-label end-to-end

NeoFlow Pay · SDK Console · Live

v3.2.1 · stable

SDK version

v3.2.1 · stable

NFC tap time

1.2s avg

Auth latency

<89ms p99

Daily volume

₹2.7Cr+ today

NeoFlow Pay

₹24,800

₹3,200

Tap to Collect

✓ Approved

payment_authorized₹5,200 · Visa · MID-40281500266

merchant_onboardedFoodHub Express · KYC cleared291

settlement.completedBatch 0841 · ₹8.7Cr · 12,048 txns200

risk_flaggedScore 91 · velocity breach

terminal_provisionedTID-88041099 · SoftPOS · On

From SDK install to live payments

6 weeks. Zero acquiring infrastructure required.

Platform at a Glance

Built for High-Performance Payment Service Providers

From rapid deployment and real-time authorization to fully automated operations, every metric reflects a platform engineered to help PSPs onboard merchants faster, process transactions at scale, and grow without operational complexity.

6 wks

From kickoff to first live transaction

1 API

Every operation — one integration

<80ms

Authorization latency p50

100%

White-label — your brand only

0

Payment ops hires required

Implementation Process

Four Types of Fintech.SafelyOne Platform.

DigiPay.Guru's acquiring infrastructure is designed to embed into whatever type of fintech you're building — without requiring you to become a payment specialist to deploy it.

MDR income

Neobanks & Digital Banks

Launch merchant acquiring as a revenue product for your SMB customer base — with full MDR income, white-label POS terminals, and settlement wired into your existing core banking integration.

Embedded SDK

Super-Apps & Commerce Platforms

Embed card-present and QR payment acceptance directly into your merchant-facing app — no redirects, no third-party branding, no split experience. Payments are a feature, not a detour.

Agent banking

Telcos & MVNO Operators

Extend your distribution advantage into merchant acquiring — equip agents and retailers with mPOS, SoftPOS, and QR acceptance under your brand, with settlement flowing through your financial stack.

Transaction data

BNPL & Lending Fintechs

Add card-present acquiring to your BNPL or lending product — give merchants an end-to-end financial relationship with your platform, increase stickiness, and create a transaction data flywheel for credit decisions.

You know exactly what you want to ship.

The product is clear.

The roadmap is full.

Payment infrastructure isthe one thing slowing everything down.

Every fintech that adds payments to their product faces the same moment: the realization that acquiring infrastructure is a completely separate domain, with its own protocols, certifications, compliance requirements, and operational complexities. ISO 8583 message parsing. Card scheme certification. HSM key management. Settlement file reconciliation. PCI-DSS audit cycles. It is an entire engineering discipline — and it is completely orthogonal to what you're actually building.

Some fintechs decide to build it themselves and lose 18 months. Some decide to partner with a processor and lose their margin and their flexibility. Some decide to skip it entirely and lose the revenue stream.

DigiPay.Guru is the fourth option. Complete acquiring infrastructure, embedded via SDK and API, under your brand, live in six weeks. You ship the product. We operate the payments underneath it.

The Platform

Everything on Your Payments Roadmap.Already Built.

Six capabilities that cover every payment feature a fintech wants to ship to merchants — from tap-to-pay NFC to automated settlement to real-time fraud protection.

Embedded Payments SDK

Drop our Android, iOS, or React Native SDK into your existing fintech app. NFC tap-to-pay, QR scanning, Bluetooth card reader pairing, and digital wallet acceptance — all available as SDK methods, wrapped in your UI.

Explore mPOS & SoftPOS

Payment Acquiring Switch

A certified ISO 8583 + ISO 20022 switch underneath every transaction — sub-80ms authorization, 10,000+ TPS, intelligent routing with automatic fallback. You get the switch. You don't build the switch.

Explore the Switch

Merchant Onboarding API

Onboard merchants programmatically — KYC/KYB, risk scoring, fee assignment, and terminal provisioning via a single POST request. Merchants go from application to first transaction in under four minutes.

Explore Merchant Management

Automated Settlement & Payouts

MDR calculation, interchange management, T+0 or T+1 settlement cycles, and automated three-way reconciliation — your merchants get paid correctly and automatically. No scripts, no spreadsheets, no reconciliation team.

Explore Settlement

Real-Time Fraud Protection

Pre-authorization fraud scoring, velocity checks, and blacklist management running on every transaction before it authorizes. Your merchants are protected. Your chargeback rate stays clean. Zero effort from your team.

Explore Risk Management

White-Label POS & SoftPOS

Give your merchants a physical presence with white-label POS terminals, Android SoftPOS, and Bluetooth mPOS — all managed remotely from your platform's console, provisioned via API, and branded as your product.

Explore POS Acquiring

What Fintechs Actually Get

Four Things That Change When You Stop Building Payment Infrastructure.

Speed to Market

Six Weeks to Live Payments. Not Eighteen Months.

The window for a fintech to capture merchant acquiring market share does not stay open while you build infrastructure. Speed is the competitive advantage.

Building payment acquiring infrastructure from scratch requires capabilities that most fintech engineering teams simply don't have: payment protocol expertise for ISO 8583, HSM key management for cryptographic key injection, scheme certification processes with Visa and Mastercard, PCI-DSS infrastructure certification, and host connectivity engineering for bank-side integrations.

DigiPay.Guru ships all of this pre-built, pre-certified, and API-accessible. Your engineering team installs an SDK, calls a few REST endpoints, and configures a webhook receiver. Week six, your merchants are processing live transactions under your brand. The infrastructure that would have taken your team 18 months to build is operational before your next board meeting.

Week 1-2: SDK integration, API keys, webhook setup, merchant portal config

Week 3-4: Test environment, merchant onboarding flow, settlement config

Week 5: UAT, compliance review, scheme sign-off

Week 6: Go-live — first merchant processes first real transaction

Week 7 onwards: MDR revenue starts flowing to your platform

implementation_timeline · weeksWEEK 5 of 6

Week 1-2SDK + API + webhooks✓ DONE

Week 3-4Merchant flow + settle✓ DONE

Week 5UAT + compliance reviewIN PROG

Week 6Go-live · first transactionNEXT

Scheme certsVisa + Mastercard ✓

PCI statusLevel 1 · pre-certified ✓

HSM setupHandled by DigiPay ✓

Payment ops size0 required ✓

Week 6: first merchant live · MDR revenue begins week 7

Operational Leverage

Add Payments to Your Product. Not to Your Headcount.

The operational cost of running payment acquiring — settlement reconciliation, terminal support, fraud monitoring, scheme compliance — is often larger than the engineering cost. DigiPay.Guru eliminates it.

Most fintechs underestimate the ongoing operational cost of payment acquiring. Beyond the initial build, you need: a settlement team to reconcile daily batches and handle discrepancies, a terminal support team to handle device failures and firmware updates, a fraud and risk team to review flagged transactions and update rule sets, a compliance team to manage PCI-DSS audit cycles and scheme reviews, and an integration team to maintain host connectivity as schemes update their specifications.

DigiPay.Guru operates all of this as part of the platform. Your team ships the product. The platform does the ops.

Automated settlement — books close nightly without a reconciliation team

Remote terminal management — no field engineers, no hardware dispatches

No-code fraud rule builder — risk updates in minutes, not sprints

Scheme compliance maintained by DigiPay.Guru's certifications team

PCI-DSS Level 1 certified infrastructure — audit findings become history

ops_automation · FULLY AUTOMATEDFULLY AUTOMATED

Settlement reconAutomated · dailyZERO OPS

Terminal supportRemote · OTAZERO OPS

Fraud rule updatesNo-code · minutesZERO ENG

PCI-DSS auditPre-certified by usZERO OPS

Scheme complianceMaintained by usZERO OPS

ISO 20022 migrationBuilt-in translationZERO ENG

Payment ops FTEs0 required

Ops cost saved₹2-4Cr/yr est.

Ship payments · Not a payment operations team

Inside Your App. Not Beside It. Not Below It.

Payment acceptance embedded in your product creates a different customer experience than payment acceptance bolted on as an afterthought. The difference is felt by every merchant, every day.

The fintech products that win merchant loyalty are the ones where payment acceptance feels like a native feature of the app, not a redirect to a third-party interface. When a merchant taps their phone to accept a payment, they should stay in your UI. The authorization happens invisibly. The receipt is in your branding. The transaction appears in your merchant dashboard. The settlement lands in an account your platform manages.

DigiPay.Guru's embedded SDK architecture makes this possible. Every payment interaction is exposed as an SDK method — initiate a payment request, handle the NFC tap event, display the authorization result. Your UI wraps the payment flow entirely. The merchant never leaves your product, never sees a foreign interface, and never questions who their payment provider is. The answer is you.

Android SDK, iOS SDK, and React Native SDK — same API surface

Payment flows fully embeddable — no webviews, no redirects

UI events and callbacks give you full control of the merchant experience

Webhooks for every event: payment.authorized, settlement.completed, risk.flagged

sdk_integration · react_native · payment_flowEMBEDDED

// Your React Native app

import { DigiPaySDK } from '@yourapp/payments';

const handlePayment = async () => {

const result = await DigiPaySDK.collect({

amount: 3200,

currency: 'INR',

mode: 'NFC_AUTO',

merchant_id: 'MID-40281930'

});

if (result.status === 'APPROVED') {

// Show your UI – 78ms after tap

showReceipt(result.auth_code);

}

};

Your UI · Your brand · Our rails · 78ms

New Revenue Stream

MDR Is a Product. Not an Afterthought.

Every transaction your merchant processes earns your platform a fee. At scale, MDR income becomes one of your most defensible revenue lines.

Merchant acquiring generates MDR (Merchant Discount Rate) revenue on every card transaction — a percentage of the transaction value that the merchant pays for acceptance. As a fintech with acquiring infrastructure, you set the MDR, deduct interchange and scheme fees, and retain the spread. At modest volumes, this is meaningful. At scale, it is transformative.

At ₹100 Crore monthly transaction volume with a 0.49% acquirer spread, that is ₹49 Lakhs per month in MDR income — from a product that runs automatically, without a sales team, without a manual process, and without operational overhead on your side.

Set your own MDR per merchant category — retain the acquirer spread

MDR income report: real-time view of revenue earned per transaction

Transaction data API: stream merchant transaction history to your data platform

Transaction history = credit underwriting signal for lending products

mdr_revenue ·

fintech_portfolio · today

LIVE

Gross Volume

₹8.7 Cr

today

MDR Charged

₹1.22 Lakhs

1.40% blended

Interchange out

₹69,600

Scheme fees

₹9,570

Platform net

₹42,630

0.49% spread

Monthly run rate₹12.8 Lakhs

At ₹100Cr/mo₹49 Lakhs net

Credit signals12,840 txns/day

MDR income runs automatically · Zero ops · Pure margin

One Integration. Every Payment Capability.

The DigiPay.Guru SDK and REST API give your engineering team access to the complete acquiring stack from a single integration point. Authorize a payment, onboard a merchant, query a settlement, update a fraud rule — every operation in the platform is available as an SDK method or API endpoint. Your team integrates once. Every future capability is an API call away.

JavaScriptPythonJavaKotlinSwiftReact Native

Full REST API — every operation, documented, versioned

Android + iOS + React Native SDK for embedded payment flows

Webhook events for every state change — real-time, retryable

GraphQL API for flexible merchant data queries

Streaming transaction API for data warehouse integration

Postman collection + OpenAPI spec provided on day one

digipay.sdk · payment collection

Copy

import { DigiPay } from '@yourapp/payments';

const client = new DigiPay({

publishableKey: 'pk_live_your_key',

merchantId: 'MID-40281930',

env: 'production'

})

const payment = await client.payments.collect({

amount: 32000, // ₹320.00 in paise

currency: 'INR',

acceptanceModes: ['NFC', 'QR', 'CARD_READER'],

description: 'Retail sale',

metadata: { orderId: 'ORD-8821' }

})

// Webhook: payment authorization fired in 78ms

{

"event": "payment.authorized",

"payment_id": "pay_4X9kQeB2nR",

"status": "APPROVED",

"amount": 32000,

"auth_code": "482923",

"card_scheme": "VISA",

"acceptance_mode": "NFC_CONTACTLESS",

"processing_time_ms": 78

}

The Timeline

Week One to Week Six.Then Live Forever.

Six weeks from kickoff to first live transaction. Here is exactly what happens in each week — and what your team needs to do versus what we handle.

Keys & Config

API credentials, webhook endpoints, SDK install, branding config, merchant portal setup.

Integration

SDK embedded in your app, payment flows connected, merchant onboarding API wired, fee rules configured.

Test Environment

End-to-end testing with simulated transactions, webhook validation, and settlement dry runs.

UAT & Risk Setup

User acceptance testing, fraud rules configured, velocity thresholds set, compliance review completed.

Scheme Sign-Off

Visa and Mastercard go-live approval, PCI-DSS sign-off, parallel run with first beta merchants.

Go Live

Full production. Real merchants. Real transactions. MDR revenue starts flowing to your platform.

Proof Points

The Numbers FintechPMs Put in Their Deck.

Weeks to first live payment. Guaranteed.

From contract signature to a merchant tapping a card and your app showing 'Approved' — six weeks. Not six months. Not a year. Six weeks, with DigiPay.Guru's implementation team working alongside yours throughout.

Payment operations headcount required.

Settlement reconciliation runs automatically. Terminal management is remote. Fraud rules update via a no-code interface. Scheme compliance is maintained by DigiPay.Guru. You launch payments without a payments team.

Integration. Every capability included.

Install the SDK. Configure your API keys. Set up your webhooks. That is the integration. Every capability — NFC acceptance, merchant onboarding, settlement, fraud scoring, POS management — is accessible from that single integration point.

Explore the Stack

Every Component Ready to Embed.

The full acquiring stack — each module available independently or as a complete platform. You choose what to embed and what to build on top.

Core Rails

Acquiring Switch Platform

The ISO 8583 + ISO 20022 switch underneath every payment. Sub-80ms authorization, 10,000+ TPS. You get the performance without building the infrastructure.

Learn more

Embedded SDK

mPOS & SoftPOS Solution

Android, iOS, and React Native SDKs for embedded NFC, QR, and card acceptance. The payment flow lives inside your app — not beside it.

Learn more

Revenue Engine

Merchant Settlement System

MDR income, T+0 or T+1 settlement, automated reconciliation. The financial engine that makes merchant acquiring a revenue product for your fintech.

Learn more

Frequently asked questions

Six weeks from contract to first live transaction, structured as follows. Week 1–2: SDK installation, API key configuration, webhook setup, and merchant portal branding. Week 3–4: Payment flow integration, merchant onboarding API connection, fee and settlement configuration, and initial testing. Week 5: User acceptance testing, compliance review, and fraud rule configuration. Week 6: Scheme go-live approval and production cut-over. DigiPay.Guru's implementation team is embedded with your engineering team throughout all six weeks — this is not a self-service integration left for your team to figure out alone.

No. Settlement reconciliation runs automatically and produces a daily closed-books report — no reconciliation team required. Terminal management is fully remote via the console or API — no field engineers. Fraud rules are updated through a no-code rule builder in minutes — no engineering sprints. PCI-DSS certification is maintained by DigiPay.Guru — no annual audit prep for your team. Scheme compliance updates are handled by DigiPay.Guru — no scheme certification engineers on your payroll. The only payment-related function that requires your team's attention is reviewing flagged fraud transactions in the risk console — which takes minutes, not hours, because the system pre-assembles all relevant information for each review.

Android (Kotlin/Java), iOS (Swift/Objective-C), and React Native SDKs are available, all with the same API surface. The SDK supports: NFC contactless card acceptance (tap-to-pay for Visa, Mastercard, RuPay, Amex), QR code generation (static and dynamic UPI/BHIM QR), Bluetooth card reader pairing and EMV chip+PIN acceptance via paired mPOS reader, payment request creation and status polling, digital receipt generation, and transaction history queries. The SDK is designed to be embedded within your existing UI — you provide the screens, we provide the payment logic. The payment flow never leaves your app.

You set the MDR for your merchants. From that MDR, the interchange cost (paid to the card issuer) and scheme assessment fees (paid to Visa/Mastercard) are deducted. What remains is your acquirer spread — your net revenue per transaction. A typical spread is 0.40%–0.60% of the transaction value. At ₹50 Crore monthly volume, a 0.49% spread generates ₹24.5 Lakhs per month. At ₹200 Crore monthly volume, that is ₹98 Lakhs per month. The MDR income report in your console shows your real-time and historical MDR revenue, broken down by merchant, card scheme, and date range.

Yes. The Transaction Data API provides access to your complete transaction history via REST endpoint or streaming API, with granularity down to individual transaction level including amount, card scheme, merchant ID, outlet ID, terminal ID, timestamp, authorization code, and any metadata you attached at payment initiation. You can query historical data for credit underwriting models, stream real-time transaction events to your data warehouse, and build merchant analytics dashboards using the transaction history API. Data is available immediately after each authorization and is retained for the full retention period specified in your data contract.

No direct scheme membership is required for most fintech deployment models. DigiPay.Guru operates under a principal bank's scheme membership — your fintech is registered as a Payment Facilitator (PayFac) or Technology Service Provider under that bank's acquiring licence. The bank remains the principal acquirer and scheme member; your fintech operates the merchant-facing product. The specific regulatory structure varies by country — in India, for example, your fintech may need an aggregator registration from RBI depending on your business model. DigiPay.Guru's compliance team guides you through the appropriate regulatory structure for your jurisdiction as part of the implementation process.

One more thing.

The Best Time to Add Payments Was When You Started. Now Is Second Best.

Every month without payment accepting is a month without MDR income, without transaction data, without merchant stickiness. Six weeks from now, that changes.

Request a Demo