Merchant Acquiring at Scale
Proven Performance Across Every Layer of Acquiring
From merchant onboarding to terminal activation and settlement — DigiPay.Guru powers acquiring operations that are fast, compliant, and built to grow.
The Real Problem
Managing Merchants Shouldn't Feel Like This
Most acquiring teams spend more time firefighting data silos, manual updates, and compliance gaps than actually growing their portfolio.
No single view of your merchant network
Merchant data lives in spreadsheets, CRMs, and legacy cores. You can't see who is active, what terminals are down, or which outlets need attention — without pulling three reports.
Fee errors eat into your margin
Manual MDR configuration across hundreds of merchants means wrong rates get applied silently. By the time you catch it in reconciliation, thousands have already leaked.
Terminal activation takes days
Provisioning, configuring, and activating a new POS or SoftPOS terminal involves multiple teams and handoffs. Merchants lose revenue waiting. Your ops team burns hours on tickets.
Compliance & KYC is a manual nightmare
Chasing KYC documents, tracking expiry dates, and maintaining audit trails across a large merchant base is time-consuming and error-prone. One missed renewal creates regulatory risk.
No way to model complex hierarchies
PayFacs, sub-merchants, franchises, and multi-outlet chains don't fit a flat merchant model. Your platform wasn't built for them — and it shows every time you try to onboard one.
Outlet-level visibility is non-existent
Knowing that a merchant is 'active' tells you nothing. You need outlet-level performance, terminal health, and transaction trends — per location, in real time.
Everything You Need to Run Your Merchant Network
Five deeply integrated modules that work together — so nothing slips through the cracks.
MERCHANT HIERARCHY
Model Any Network Structure. No Compromises.
Whether you operate a PayFac platform, a franchise acquiring program, or a simple direct-merchant portfolio — the hierarchy engine maps to your real-world structure. Multi-level trees, role-based access per level, and inherited fee rules all included.
- Unlimited hierarchy depth: Bank → PayFac → Sub-merchant → Outlet → Terminal
- Fee rules cascade down the tree — override at any level without breaking the parent
- Role-based views: each entity only sees their own layer and below
- Real-time consolidated reporting across the full tree in one dashboard
- Move merchants between parents without re-onboarding — zero downtime migration
OUTLET MANAGEMENT
Every Location. Total Visibility. Instant Control.
A merchant with 50 stores isn't one entity — it's 50 micro-businesses, each with its own performance, compliance status, and terminal health. Outlet Management gives you and your merchants the granular control to act at the right level.
- Geo-coded outlet registry — map view and searchable list with filter by city, status, or performance
- Per-outlet transaction volume, chargeback rate, and settlement status — at a glance
- Suspend or reactivate individual outlets without affecting the parent merchant
- Outlet-specific KYC document tracking and compliance expiry alerts
- Bulk outlet creation via CSV or API — onboard a chain of 200 locations in minutes
TERMINAL MANAGEMENT
Provision, Monitor, and Control Every Terminal. Remotely.
POS, SoftPOS, QR, mPOS — every terminal type, one management interface. Activate in under two minutes. Push config changes remotely. Know when a terminal goes offline before the merchant even notices.
- Remote terminal provisioning — assign, configure, and activate without field visits
- Real-time health monitoring: connectivity, battery, last transaction timestamp
- Push parameter updates, keys, and app versions to terminals over-the-air
- Terminal audit log — every config change, key rotation, and session tracked
- Supports POS, Android SoftPOS, mPOS, QR static/dynamic, and payment links
FEE MANAGEMENT
Set Rates Once. Apply Everywhere. Override Anywhere.
Wrong MDR rates are the silent margin killer in acquiring. The Fee Management module gives you a rule engine that propagates correctly from the first configuration — with full override capability at every level of the hierarchy without breaking upstream rules.
- Multi-tier MDR rules: card type, scheme, transaction amount range, channel
- Flat fee + percentage fee combinations, with minimum and maximum caps
- Effective date scheduling — future-date fee changes, no manual intervention
- Interchange-plus and blended rate models both supported
- Fee simulation: model impact of a rate change before applying it
MERCHANT PROFILE MANAGEMENT
A Complete Merchant Record. Always Up to Date.
Every merchant has a living profile — business details, KYC documents, compliance statuses, settlement preferences, and contact records — all in one place, with a full audit trail. No more chasing down documents in email threads.
- Structured business profile: GST, PAN, MCC category, business type, contact details
- KYC/KYB document vault with expiry tracking and automated renewal reminders
- Risk classification and credit limit configuration per merchant
- Settlement bank account management with multi-bank support
- Immutable audit trail — every change logged with user, timestamp, and reason
How it Works
From Onboarding to Live in Minutes
A structured flow that eliminates handoffs, manual errors, and re-work between your ops, compliance, and tech teams.
Build the Hierarchy
Define your acquiring structure — bank, PayFac, sub-merchants. Set default fee rules at each level.
Create Merchant Profile
Capture business details, upload KYC/KYB documents, assign MCC and risk classification.
Register Outlets
Add physical locations with geo-tagging. Each outlet inherits the parent merchant's profile and fee rules.
Provision Terminals
Assign terminals to outlets. Push config and keys remotely. Terminal is live in under 2 minutes.
Monitor & Optimize
Track every outlet, terminal, and fee in real time. Adjust rates, respond to alerts, grow the portfolio.
Fintech Compliance Software
Built for Every Entity in the Acquiring Chain
Ready to transform your merchant ops?
Your Merchant Network. Finally Under Control.
Join banks, PSPs, and fintechs who've moved from fragmented spreadsheets to a single, real-time merchant management platform.
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