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.
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.
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 & SoftPOSPayment 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 SwitchMerchant 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 ManagementAutomated 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 SettlementReal-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 ManagementWhite-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 AcquiringWhat 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.
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.
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.
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.
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.
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.
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 moremPOS & 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 moreMerchant 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 moreFrequently asked questions
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.
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