India’s Best Payment Aggregator for Seamless Digital Payments
With seamless integrations, flexible settlements, enterprise-grade security, and proven uptime, go live with Phi Commerce and power payments built for scale.
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Trusted by Enterprises Who Rely on a Payment Aggregator That Never Fails
Payment Aggregator Built for Enterprise Complexity
Managing payments at scale requires more than just a gateway. As an enterprise Payment Aggregator, Phi Commerce simplifies collections, routing, settlements, and compliance – all on one unified platform.
- Omnichannel acceptance: online, in-store, mobile, QR, UPI
- Enterprise-grade uptime and reliability
- Deep integrations with leading banks and government systems
- Compliance built into every layer
Every Payment Mode, One Aggregator
Offer your customers the flexibility to pay however they choose and manage it all with Phi Commerce
as your enterprise Payment Aggregator.
The Payment Aggregator With Intelligence Built In
Phi Commerce goes beyond basic acceptance. As a Payment Aggregator, it gives enterprises visibility, automation, and control across the entire payment lifecycle.
Hear From Our Clients
Phi Commerce powers mission-critical payment ecosystems where scale and compliance are non-negotiable.
“Our partnership with Phi Commerce has been instrumental in achieving near 100% adoption of digital payments for B2B transactions within CEAT's vast distributor network. The seamless ERP integration has markedly improved our transaction efficiency, making accounting and auditing processes more manageable and compliant. Phi Commerce's single platform for payment collections and API-based reconciliation has simplified our transactions, leading to more efficient operations and improved financial reconciliation. We recommend Phi Commerce for their exceptional service in streamlining payment solutions and contributing to our digital growth.”
“We are pleased to be the partner-of-choice for PhiCommerce’s maiden launch of Camphire. We implemented Camphire to successfully run airport-wide, omnichannel promotions with a single-use platform that helped increase adoption and promoted customer loyalty.”
"Phi Commerce has been playing a significant role in our fees management system, giving parents the flexibility of omnichannel payments and simplifying our financial operations through innovative features. Your virtual account solution, with dedicated accounts for each student, has made reconciliations effortless, reducing our reconciliation time significantly. We highly appreciate the services with the efficiency gains and the enhanced parent experience.”
“We are excited about the journey of the future of payments in India and about our payments’ roadmap. At Aditya Birla Capital, we are focused on creating a great experience for our customers and merchants alike. With our strong focus on driving digitalization and innovation in product offerings, we have launched Payment Lounge to help merchants streamline their payment processes, deliver enhanced convenience to their customers, and maximize collection efficiency of their businesses.”
Future-Proof Your Enterprise With the Right Payment Aggregator
Simplify, secure, and scale your payment ecosystem with Phi Commerce – the Payment Aggregator enterprises trust.
Frequently Asked Questions
What is a Payment Aggregator?
A Payment Aggregator is an RBI-licensed entity that enables businesses to accept digital payments including UPI, cards, net banking, and wallets without maintaining direct tie-ups with multiple banks. It acts as a bridge between merchants and acquiring banks, ensuring secure and seamless payment processing.
What are the RBI rules for Payment Aggregators?
The Reserve Bank of India requires Payment Aggregators to maintain strict compliance standards, including:
- Licensing under RBI’s Payment Aggregator framework.
- Escrow account management for settlement security.
- Net worth requirements (₹25 crore minimum).
- Merchant KYC/AML compliance.
- Adherence to PCI-DSS security standards for card data.
What is the difference between a Payment Gateway and a Payment Aggregator?
A Payment Gateway provides the technology layer to process online payments, while a Payment Aggregator is the regulated entity that onboards merchants, manages settlement with banks, and ensures compliance. In short:
- Gateway = Tech rails
- Aggregator = Licensed + Gateway + Compliance + Settlement
Can small businesses use a Payment Aggregator?
Yes. Payment Aggregators are designed for both SMBs and large enterprises. SMBs benefit from quick onboarding and easy access to multiple payment modes, while enterprises leverage scale, omnichannel support, and compliance-driven infrastructure.
Why should enterprises choose Phi Commerce as their Payment Aggregator?
Phi Commerce is built to meet the scale and compliance needs of regulated industries. With omnichannel support, modular APIs, and RBI-compliant infrastructure, Phi helps enterprises streamline collections, reduce operational overheads, and deliver seamless payment experiences across all customer touchpoints.