PayPhi Digital Transformation Suite

PayPhi is a one of its kind end-to-end digital payments enablement platform that empowers businesses to successfully adopt digital payments and offer seamless experience to its consumers across all touchpoints: online, in-store, remote and doorstep; through a single, unified and an agile omnichannel platform.

PayPhi has been designed on the ethos of creating intuitive solutions that understand the ever-evolving nuances of digital payments across industries and embedding tailor made offerings suited for individual business flows thus meeting requirements and exceeding expectations of all stakeholders.

Everything Payments

Our Solutions

Intuitive platform across payment value chain

Unified Payments Platform

Doorstep Payments

Subscriptions

B2B Payments

Lending

Tokenization


Unified Payments Platform

Need to enable payments on your website, mobile application or at your store?

PayPhi Gateway is an integrated platform that delivers a best-in-class consumer experience across channels for making payments. It can seamlessly integrate in your business for collecting payments online, in-store, remote or at doorstep. The gateway offers secure, frictionless and unified experience with payment acceptance across all acquiring channels and payment modes.

  • Fast digital on-boarding
  • API based reconciliation of collections and settlements
  • Gross, net and split settlements
  • Special transactions such as split collection and online refunds
  • Realtime dashboards
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Doorstep Payments

Need to collect payments at consumer doorstep?

PayPhi Doorstep offers an efficient alternate to cash-collections at doorstep of your consumers. It allows your consumers to pay digitally upon receipt of goods / services. The platform enables your agents to collect payments digitally in a contact or contactless manner as suited for your business requirements. It addresses cash collection challenges and simplifies your last mile operations.

  • Collect payments digitally at consumer doorstep
  • Eliminate cash handling costs
  • Realtime agent notifications
  • Zero network transaction confirmation
  • Three-way API based reconciliation
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Subscriptions

Need to collect payments at recurring intervals from your consumers?

PayPhi Subscriptions enables you to set-up flexible subscription plans, automate your invoice generation and present invoices to your consumers enabling them to pay electronically at recurring intervals without any intervention from you. Powered by tools for auto collections using eNACH, UPI and other payment instruments the platform makes consumer payments easy and streamlines your recurring collections with 100% efficiency.

  • Flexible billing plans including billing heads & frequency
  • Invoice delivery to your consumers
  • Personalized consumer notifications, reminders & portals
  • Realtime dashboard to know your collections status
  • Single & multi-account settlements by income type
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B2B Payments

Are you a business needing to collect payments from other businesses?

PayPhi B2B empowers you with efficient invoice presentment, collection, settlement and funds reconciliation. The platform allows your customers to pay using business enabled instruments like corporate credit cards, dual authentication based current account internet banking and other instruments, streamlining receivables collection, resulting in improved cash flows. Utilization of hooks into your accounting system simplifies bookkeeping, financial audits and closures.

  • Customized single click e-invoice payments
  • API based integration with ERP systems
  • Realtime status on outstanding accounts receivables
  • Invoice level reconciliation
  • Multi-approval layer based high value payments
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Lending

Are you wanting to offer an Instalment facility to your debit cardholders during online or in-store shopping?

PayPhi Credit helps overcome affordability challenges of your debit cardholders by converting online or in-store purchases into instalments, during shopping. It helps your Instalment program scale by eliminating one-on-one merchant tie-ups and integration, thereby making the program universally acceptable at all merchant locations.

  • Acquisition of ‘new’ to credit captive consumers with reduced marketing spends
  • Highly configurable credit programs
  • Programs for online and offline businesses using one platform
  • Convert purchases to instalments during shopping
  • Eliminate peer-to-peer merchant integration
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Tokenization

Do you store your consumers’ payment instrument credentials for a seamless checkout experience?

PayPhi Tokenization secures your seamless checkout experience by facilitating token-based storage and retrieval of your consumers card-on-file data. Additionally, for Issuers, PayPhi Tokenization offers EMV compliant tokens for NFC based transactions thus providing opportunities of retention, scale, and growth.

  • Fully compliant with RBI regulations ​
  • Available for all major card networks ​
  • Increased security and reduced fraud ​
  • Adoption of contactless and other ‘new-age’ payments methods ​
  • Non-disruptive migration services for current card-on-file consumers.
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