Hold merchants, settlements, refunds and chargebacks on one record, ready for the books.
A payment service provider onboards merchants, routes transactions through banks and partners, and settles funds on a schedule. The money moves in one system while onboarding, disputes and support run in sheets and email. The software we would build keeps the merchant file, rate card, settlement runs, refunds and chargebacks together, so finance can see what is due, to whom and why.
Payment businesses run on two kinds of record. One is the transaction stream from your gateway or processing partner. The other is everything around it: who the merchant is, what rate applies, what is settled, what is held and what is disputed.
The transaction engine is not rebuilt here. What gets built is the back office around it, so operations, risk, support and finance read the same merchant record.
A merchant applies, and the team collects business papers, bank details and website information, then checks them and decides whether to approve and at what rate. Documents are chased on email and tracked in a sheet.
Each day or cycle, transactions are settled to merchant accounts after fees. Finance matches the partner bank’s statement against the settlement report, and differences are traced by hand.
Customers dispute payments, merchants ask where their money is, and refunds are raised. Chargebacks arrive with a response deadline set by the card network or partner, and the evidence has to be gathered in time.
What goes wrong for payment service providers without a proper system.
What we would build for payment service providers.
Named the way your team already talks about the work. We start with whichever part the audit shows is costing you most.
A requirements checklist for payment service providers.
What to cover, which reports to ask for and what to put to every vendor, ready to print or save as a PDF.
The business modules payment service providers use most.
Each one is also available on its own, or inside a system built for you.
The services behind it.
API and System Integration
Tally, WhatsApp, payment gateways, GST portals and your own apps sharing one set of numbers.
Learn moreBusiness Process Automation
Approvals, reminders, follow-ups and reports that run on their own instead of on someone remembering.
Learn moreData Engineering and Business Intelligence
Dashboards that answer the owner’s Monday questions without anyone building an Excel sheet first.
Learn moreCybersecurity and Application Security
Logins, roles, backups and data exposure checked, so a staff exit or a lost phone is not a crisis.
Learn moreERP, CRM and Business Software Implementation
One record of stock, orders, customers and accounts, set up so your team opens it every day.
Learn moreWritten for payment service providers.
Practical notes on running the business, not product marketing.
How the work runs from Bengaluru for your city.
- 1
The audit, by call
A screen-share and a look at the sheets, Tally reports and WhatsApp groups your team uses. No travel needed.
- 2
A written proposal
Scope, what we build first and the cost, agreed in writing before anything starts.
- 3
Build in short rounds
Working screens shared every few weeks. Your team tests them from your own office.
- 4
Go-live, in person when it helps
For data migration and training we can come to your city. Travel is agreed in advance.
- 5
Support online
Fixes, changes and hosting handled remotely by the same team that built it.
Software we have built and run.
We only name clients whose work is published. These are systems our team designed, built and supports.
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Read the case studyQuestions payment service providers ask before they call.
Do you build the payment gateway itself?
No. This is the back office around your gateway or processing partner: merchants, rates, settlements, disputes and statements. Moving money stays with your existing licensed arrangements.
Can it read files from our partner bank?
It can read the statement and report files your partners provide, in the formats they use. A direct feed depends on what the bank offers, so it is quoted separately.
Does it make us compliant with payment rules?
Not on its own. It keeps the merchant papers, approvals and logs you may be asked for. What applies to your licence is a question for your compliance adviser.
Will it post entries into the accounting software?
Not directly. A settlement and fee export for your accountant can be written at set-up, priced separately.
What happens in the free technology audit?
We look at the software, spreadsheets and WhatsApp groups your business runs on today and write down what works, what slows your team down and what is missing. A demo login, a screen-share or a few screenshots are enough to start. You get a report ordered by priority, and there is no obligation to hire us afterwards.
How much will the software cost?
We don’t publish a price, because it depends on what the system has to do. The audit settles the scope, and the cost goes into a written proposal before any work starts.
Related industries.
- Banks
- Business finance providers
- Chit fund companies
- Company secretaries
- Credit unions
- General insurance agents
- Health insurance agents
- Insurance brokers
- Life insurance advisors
- Loan agents and DSAs
- Loan officers
- Microfinance institutions
- Mutual fund distributors
- Non-banking finance companies
- Private equity firms
- Stock brokers
- Wealth managers and financial advisers
Part of a wider group.
Tell us how your business runs today.
A few lines on your spreadsheets, software and WhatsApp groups is enough. We reply the same working day.
- No obligation
- A reply within one business day
- Your details stay private
Start with your requirements
Seven short steps that tell us what you need. An engineer reads them before getting in touch.
Share your requirements