As featured

What UPI and RuPay reveal about India’s self-reliance in financial technology
Interestingly, some payment network technologies for RuPay, initially set up by foreign technology service providers, were later transferred to global payment system development projects managed by Indian firms, led by Phi Commerce. This platform continues to set new benchmarks in digital payments, powering billions of Online, Point of Sale, and ATM transactions along with innovations like tokenisation.
Smarter UPI Infrastructure.
Built for Scale.
Phi UPI Switch powers faster, more reliable UPI processing for banks, aggregators, and high-volume platforms.
Full-stack support. Intelligent routing. Real-time control.
Scale Your Business with
Omnichannel Payments
Get a single view of customer experience across all touchpoints with a robust digital payments infrastructure and drive revenue growth
Elevate Payment Security with Tokenization
Protect sensitive data while enabling innovative payment modes, seamless transactions and enhanced convenience
Powering Digital Payments Worldwide
annually
networks supported
efforts
Join these Companies that Count on Our Expertise






















Empowering Customer Engagement with Efficient Payment Solutions for Merchants, Acquirers, Networks and Issuers
Omnichannel Payment Hub
An all-in-one omnichannel payments hub connecting businesses to infinite payment methods with seamless integration, scalability and unmatched security


Smart Transaction Router
Intelligently route and optimize payments across channels, aggregators and gateways for maximum success and efficiency
Dual Factor Authenticator


Acquiring Switch
A scalable solution that connects merchants to acquirers, networks, and card payment systems, enabling secure and efficient payment processing across channels
Omnichannel Payment Processor
A unified platform that integrates payments across online, in-store and mobile channels, ensuring secure, seamless transactions and enhanced customer experiences


Campaign Management
A versatile solution enabling businesses to design, deploy and track payment-linked campaigns across channels, driving customer engagement and transaction growth
UPI Acquiring Switch
A next-gen platform with direct NPCI integration, built to scale with growing UPI volumes while ensuring reliability, efficiency and reduced costs for long-term success


Tokenization Suite
A versatile solution enabling businesses to design, deploy and track payment-linked campaigns across channels, driving customer engagement and transaction growth
Highly Customizable Payment Stack That Caters To Your Distinct Needs
What Sets Our Omnichannel Payment Solutions Apart
Unified
Seamlessly integrate your infrastructure with our APIs and automated back-office solutions
Stable
Deliver a consistent payment experience across online, in-store and doorstep channels
Scalable
Effortlessly scale your business volume without compromising customer experience
Secure
Ensure ultimate transaction security guaranteed by our best-in-class financial technology
Hear from our Clients

“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.”
See What’s Trending
Summary Enterprises today need much more than just a payment acceptance tool. They demand a payment aggregator that can manage...
Introduction If you’ve ever made an online payment, booked a flight, paid a utility bill, or shopped on an e-commerce...
NEW DELHI JULY 18: Phi Commerce has won the Best in Class Payment Startup award in the Established Fintech category...