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# Omnichannel Payment Gateway | Top Payment Gateway in India: Discover Phi Commerce India’s top omnichannel payment gateway empowering businesses with seamless, secure, and scalable payment solutions. Simplify collections and drive growth with a unified platform.

## Sitemaps
[XML Sitemap](https://phicommerce.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Unified Payment Platform for Online and Offline Payments](https://phicommerce.com/unified-payment-platform-online-offline-payments/): Today, enterprises collect payments in many different ways. Customers may pay through websites, mobile apps, physical stores, QR codes, payment links, invoices, cards, UPI, and other methods. Managing each payment channel through a separate system can become difficult as the business grows. A unified payment platform brings all these payment channels together in one place, making payment collection, tracking, reporting, and reconciliation much easier.
- [UPI Payment Gateway for Dynamic QR and Reconciliation](https://phicommerce.com/upi-payment-gateway-dynamic-qr-reconciliation/): A UPI payment gateway is no longer just a payment collection tool for enterprises. It plays an important role in managing high-volume transactions, tracking payments, matching them to the correct invoices, and simplifying payment reconciliation.
- [Enterprise Payment Orchestration for Recurring Payments](https://phicommerce.com/enterprise-payment-orchestration-recurring-payments/): For many enterprises, recurring payments are a major part of regular revenue. These payments recur on a fixed schedule. They can include insurance premiums, loan EMIs, SaaS subscriptions, utility bills, or membership fees.
- [How to Create Payment Link Workflows That Simplify ERP Reconciliation](https://phicommerce.com/create-payment-link-workflows-erp-reconciliation/): This is why enterprises need better ways to create payment link workflows. A payment link should not only help customers pay. It should also help the business track payments, connect them to the correct invoice, and automatically update records.
- [Credit Card Payment Gateway: Building Resilient Enterprise Payment Architecture](https://phicommerce.com/credit-card-payment-gateway-enterprise-payment-architecture/): This is why a credit card payment gateway is important. It does much more than just process payments. It helps enterprises handle large payment volumes, improve payment success rates, and keep payments running even when issues occur. As a result, it becomes an important part of enterprise payment architecture.
- [Payment Gateway for Education Institutes](https://phicommerce.com/payment-gateway-for-education-institutes/): A delayed fee payment can create more confusion than expected. Schools, colleges, universities, coaching centers, and training institutes handle thousands of transactions every year. From tuition and examination fees to hostel and transportation charges, institutions need a system that can manage these transactions smoothly.
- [Ecommerce Payment System: Enterprise Architecture](https://phicommerce.com/ecommerce-payment-system-enterprise-architecture/): Today, online businesses handle thousands of payments every minute. Customers expect payments to be quick, safe, and smooth whether they are shopping on a website, a mobile app, a marketplace, or a subscription platform. However, behind every successful payment is a complex e-commerce payment system that connects banks, payment providers, processors, and security tools.
- [Payment orchestration for Enterprise Payment Performance](https://phicommerce.com/payment-orchestration-for-enterprise-payment-performance/): Today, customers want every payment to happen quickly. Whether they are shopping online, paying for a subscription, booking a service, or making a business payment, they expect a smooth process. But many systems work behind the scenes to enable a single successful payment, such as banks, payment gateways, processors, and payment methods. This is where payment orchestration helps.
- [Secure Payment Gateways: Enterprise Checklist](https://phicommerce.com/secure-payment-gateways-enterprise-checklist/): Today, online payments are a normal part of daily life. People use them to shop online, order food, book tickets, pay bills, and much more. Because of this, businesses must make sure payments are fast, safe, and smooth. This is why secure payment gateways are very important for every business today.
- [Payment Gateway API: What Enterprise Teams Should Know](https://phicommerce.com/payment-gateway-api-what-enterprise-teams-should-know/): Digital payments look simple to customers. They click “Pay Now,” enter their details, and the payment is done. But behind this simple action, many things happen very quickly. The payment details are checked, the bank approves the payment, and the business gets confirmation. This is where a payment gateway api becomes important.
- [Payment Gateway or Aggregator? How Your Infrastructure Choice Impacts Margins and Settlement Time](https://phicommerce.com/payment-gateway-or-aggregator-how-your-infrastructure-choice-impacts-margins-and-settlement-time/): When a business starts accepting online payments, a common question arises: Should we choose a payment aggregator or a payment gateway?
- [Payment Gateway Integration Guide for Enterprise Teams](https://phicommerce.com/payment-gateway-integration-guide-for-enterprise-teams/): Today, online payments are a major part of how businesses operate. Large companies use digital payments for websites, mobile apps, subscriptions, customer portals, marketplaces, and many other services.
- [How India Pays(FY 2025-26)](https://phicommerce.com/how-india-pay-2026/): How India Pays 2025Choice is the New CurrencyIndia’s payment ecosystem in 2025 is no longer driven by one dominant mode. It is shaped by convenience, affordability, rewards, and intent.Based on transaction insights from 20,000+ merchants across industries, How India Pays 2025 reveals how consumers are choosing different payment methods across sectors, seasons, and purchase moments.Inside the report:
- [Beyond the Cart: What’s Next in Payments (2026)](https://phicommerce.com/beyond-the-cart-whats-next-in-payments-2026/): India’s D2C ecosystem is projected to reach a staggering $140B by 2026 , yet behind this growth lies a hidden threat to brand profitability. Our latest report, "Beyond the Cart," reveals why payments are no longer just a checkout step, but a make-or-break factor for survival in a high-scale market. We explore the "silent failure" zones where hundreds of millions of digital transactions go missing , the staggering 35% return rate associated with the "Cash-on-Delivery Trap" , and why even a 2-hour outage can plummet success rates to 50%. From the shift in how consumers pay to the five strategic expectations brands now have for their partners , this report provides the data-driven roadmap required to protect your margins and optimize for the next era of commerce
- [Enterprise Payment Reconciliation Systems](https://phicommerce.com/payment-reconciliation/): Every payment must be checked to make sure the amount received matches the amount recorded in the enterprise system. This is where a payment reconciliation system becomes important.
- [Why Leading D2C Brands in India Are Using EMI to Boost AOV Instead of Discounts](https://phicommerce.com/why-leading-d2c-brands-in-india-are-using-emi-to-boost-aov-instead-of-discounts/): Discount-led growth has reached its limit. For enterprise D2C brands in India, EMI is no longer optional. It protects margins, increases AOV, improves repeat purchases, and preserves brand value. EMI is not a payment feature. It is a revenue strategy.Brands that invest in EMI infrastructure today will scale sustainably tomorrow, without racing to the bottom on price.
- [No-Cost vs BNPL: Which Is More Effective, for D2C Brands?](https://phicommerce.com/no-cost-vs-bnpl-which-is-more-effective-for-d2c-brands/): Paying for something online is not just about clicking Buy Now. It is also about choosing how you want to pay. No Cost EMI and Buy Now Pay Later both promise easy payments, but they work in very different ways.
- [Indian Fintech : Bots, Breaches and Billions](https://phicommerce.com/indian-fintech-bots-breaches-billions/): India’s fintech ecosystem is scaling at record speed, but fraud is scaling faster. This report explores how AI is reshaping financial crime, from deepfake identities and bot-led attacks to silent losses hiding inside chargebacks and onboarding flows. Backed by RBI data and global research, it reveals why fraud today looks like a real user, learns like a product, and costs far more than what appears on balance sheets. It also breaks down the top AI-powered fraud threats for 2026 and what a modern, AI-ready defence stack must include to stay ahead of them.
- [e-Mandate for Insurance: Meaning, Benefits and How It Works](https://phicommerce.com/e-mandate-for-insurance-meaning-benefits-and-how-it-works/): e-Mandate is a digital service by the RBI and NPCI for securely automating recurring payments like bills, subscriptions, and loan EMIs. It simplifies transactions by enabling one-time consent for automatic deductions, eliminating the need for manual payments.
- [What is Payment Orchestration? Definition, Benefits, and How It Works](https://phicommerce.com/what-is-payment-orchestration-definition-benefits-and-how-it-works/): Payment orchestration is a technology layer that connects, manages, and optimizes multiple payment gateways, acquirers, and payment methods through a single unified platform.
- [Payment Service Provider (PSP): Meaning, Role & How It Works](https://phicommerce.com/payment-service-provider-guide-2026/): A payment service provider (PSP) is a company that enables businesses to accept and manage digital payments by connecting them to banks, payment networks, and financial systems.
- [Understanding How AI is Revolutionizing Fraud Detection: Key Technologies and Techniques](https://phicommerce.com/how-ai-is-revolutionizing-fraud-detection-key-technologies-and-techniques/): Fraud is evolving, and traditional defenses can’t keep up. AI is transforming fraud detection with real-time monitoring, adaptive models, and behavioral intelligence that protect enterprises at scale.
- [H1 Payment Pulse Report 2025](https://phicommerce.com/h1-payment-pulse-report-2025/): When does India really pay?
- [Phi Commerce launches Phi-ter – India’s first omnichannel, AI-powered real-time fraud-management system](https://phicommerce.com/phi-commerce-launches-phi-ter-indias-firstomnichannel-ai-powered-real-time-fraudmanagement-system/): MUMBAI, 8 October 2025: At the Global Fintech Fest 2025, digital payments fintech Phi Commerce announced the launch of Phi-ter, an AI-powered, omnichannel fraud management and prevention system that detects and flags suspicious transactions within milliseconds, before the payment even completes.
- [What is a Payment Gateway? How It Works, Types & Omnichannel Payments Explained](https://phicommerce.com/what-is-a-payment-gateway/): A payment gateway is a technology that securely processes payments by connecting customers, merchants, banks, and payment networks.
- [What Enterprises Need in a Payment Aggregator: Beyond Just Payment Acceptance](https://phicommerce.com/payment-aggregator-for-enterprises/): Enterprises today need much more than just a payment acceptance tool. They demand a payment aggregator that can manage scale, provide real-time insights, ensure compliance, offer seamless omnichannel experiences, and integrate effortlessly with legacy systems. This blog breaks down the advanced features and capabilities that modern enterprises should expect from their payment aggregator partner.
- [What is a Payment Aggregator? A Simple Guide for Businesses and Consumers](https://phicommerce.com/what-is-payment-aggregator/): A payment aggregator is a regulated service provider that enables businesses to accept digital payments by collecting funds on their behalf and settling them to the merchant’s account.
- [UPI Switch vs Legacy Payment Switches: Why Enterprises Are Making the Shift](https://phicommerce.com/upi-switch/): But this growth brings pressure. Legacy switches, many built more than a decade ago, were designed for batch processing, cards, and low volumes. They are buckling under the load of modern UPI payments. Enterprises need faster, smarter, and more resilient infrastructure, and that’s where the UPI Switch comes in.
- [What Is a School Fee Management System? Everything You Need to Know](https://phicommerce.com/what-is-a-school-fee-management-system/):  What is a school fee management system?
- [How Omnichannel Fee Management Systems Are Revolutionizing School Payments in 2025](https://phicommerce.com/omnichannel-fee-management-systems-school-payments/): Omnichannel fee management systems are emerging as a strategic solution, offering institutions a unified, automated, and parent-friendly way to manage collections across digital and offline touchpoints.
- [Digital Payments and India’s Trillion-Dollar Digital Takeoff: An Enterprise Guide (2025)](https://phicommerce.com/what-is-digital-payments/): Digital payments are more than just a convenience—they are the foundation of India's rapidly growing digital economy. As India heads towards a $1 trillion digital economy by 2030, digital transactions will define how enterprises scale, comply, and innovate.
- [Digital Fee Collection for Schools: Jamnabai Narsee Group’s Success with Phi Commerce](https://phicommerce.com/digital-fee-collection-for-schools-jamnabai-narsee/)
- [Phi Commerce Expands Global Footprint with DGFT Partnership to Transform Digital Payments in Japan](https://phicommerce.com/phi-commerce-expands-global-footprint-with-dgft-partnership-to-transform-digital-payments-in-japan/): This partnership is built on two key pillars: cutting-edge technology and an established market reach. By combining Phi Commerce’s expertise in payments technology with DGFT’s deep understanding of the Japanese payments landscape this partnership aims to transform digital payments in Japan, making them more seamless, scalable, and ready for the future. This partnership represents Phi Commerce’s commitment to global excellence, demonstrating the company’s readiness to take on new markets and drive innovation at scale.
- [How India Pays](https://phicommerce.com/how-india-pays/): How India Pays
- [A Leading Global Tyre Manufacturer](https://phicommerce.com/a-leading-global-tyre-manufacturer/)
- [A Leading Financial Services Conglomerate](https://phicommerce.com/a-leading-financial-services-conglomerate/)
- [A Leading Indian International Airport](https://phicommerce.com/a-leading-indian-international-airport/)
- [Top 5 Payment Trends for 2025 & Beyond](https://phicommerce.com/top-5-payment-trendsfor-2025-beyond/): In recent years, digital payments have drastically changed how Indians handle financial transactions. This transformation is propelled by:
- [UPI AutoPay – A New Payment Revolution or Just A New Feature?](https://phicommerce.com/upi-autopay-a-new-payment-revolution-or-just-a-new-feature/): UPI AutoPay: A New Payment Revolution or Just a Feature?
- [The advent of a new generation of technology providers in Indian banking](https://phicommerce.com/the-advent-of-a-new-generation-of-technology-providers-in-indian-banking/): By Rajesh Londhe, Co-founder and Head of Payments - Phi Commerce
- [What is UPI Credit Line, and how does it allow users to make easy transactions?](https://phicommerce.com/what-is-upi-credit-line-and-how-upi-users-can-avail-it/): As featured in The Economic Times, Sep 24, 2024, 11:12:00 AM IST
- [Phi Commerce Achieves ISO 27001 Certification, Strengthening Commitment to Data Security](https://phicommerce.com/phi-commerce-achieves-iso-27001-certification-strengthening-commitment-to-data-security/): India,18.09.24, Phi Commerce, a leading provider of enterprise payment solutions, proudly announces its achievement of ISO 27001 certification, an internationally recognized standard for information security management. The certification reinforces the company’s commitment to upholding the highest standards of data security, confidentiality and integrity.
- [Internet banking: The backbone of modern financial transactions](https://phicommerce.com/internet-banking-the-backbone-of-modern-financial-transactions/): By Tushar Shankar, Co-founder & Head - Global Sales, Phi Commerce
- [Phi Commerce Unveils New Brand Logo Symbolizing Perfection, Growth, and Global Unity](https://phicommerce.com/phi-commerce-unveils-new-brand-logo-symbolizing-perfection-growth-and-global-unity/): August, 7th Mumbai – Phi Commerce, India’s only unified payment platform proudly announces the launch of its new brand logo. This fresh design, crafted by Pune-based agency Chameleo (a part of the Jet Synthesys group), encapsulates Phi Commerce’s core values and its ambitious global vision.
- [Phi Commerce wins ‘Best in Class Payment Startup’ ASSOCHAM awards](https://phicommerce.com/phi-commerce-wins-best-in-class-payment-startup-assocham-awards/): NEW DELHI JULY 18: Phi Commerce has won the Best in Class Payment Startup award in the Established Fintech category at the Assocham annual Fintech Excellence Awards 2024 held in New Delhi on Thursday. The second India International Fintech Festival is India's leading platform for the fintech ecosystem, offering premium content and networking opportunities to help industry leaders stay ahead. Covering various segments such as payments, lending, wealthtech, insurtech, and regtech, the event features in-depth analytics, inspirational speakers, and world-class insights focused on the future of digital payments, fintech, and financial services.
- [Phi Commerce to manage payments for Reliance Nippon Life Insurance](https://phicommerce.com/phi-commerce-to-manage-payment-solutions-for-reliance-nippon-life-insurance/): The strategic partnership leverages Phi Commerce digital payment platform to streamline the payment collection process for premium collections.
- [The importance of SROs in the fintech sector for ensuring compliance and standards](https://phicommerce.com/the-importance-of-sro-in-the-financial-technology-sector/): In this vast payment landscape, there is a need for a robust regulatory framework to ensure ethical practices are being followed in the industry. The establishment of the Financial Technology Self-Regulatory Organization (SRO) comes at a crucial stage when multiple fintech platforms are sprawling up across the country.
- [Payment orchestration: The new game-changer in digital payments](https://phicommerce.com/payment-orchestration-the-new-game-changer-in-digital-payments/): Payment Orchestration is a digital payments tool to streamline and optimize the payment process, which operates between businesses and merchants, allowing businesses to connect to multiple payment service providers to manage transactions and route them to the suitable provider, all within milli seconds.
- [Interoperable net banking from the RBI: Revolutionizing digital payments](https://phicommerce.com/interoperable-net-banking-from-the-reserve-bank-of-india-revolutionizing-digital-payments/): A big development for digital payments in India has been announced by the Reserve Bank of India (RBI): users will soon be able to pay merchants via net banking, even if the bank and the merchant's payment aggregator are not directly integrated.
- [Building a domestic payments network: Enabling self-sufficient, scalable, and high-volume transaction processing](https://phicommerce.com/phicommerce-builds-a-domestic-payments-network/): The client is a pivotal organization overseeing retail payments within a major economy. It was founded under the guidance and support of the central bank and a leading banking association to foster the adoption of electronic payments nationwide.

## Pages
- [Stories](https://phicommerce.com/stories/): Phi Commerce Stories: Payments, Innovation & Industry Insights
- [D2c Report](https://phicommerce.com/d2c-report/): Where conversions don’t end at checkout. And why most brands are losing revenue without realizing it.
- [D2C Report LP](https://phicommerce.com/d2c-report-lp/): Where conversions don’t end at checkout. And why most brands are losing revenue without realizing it.
- [A Modern Payment Stack Built for Developers and the Brands They Power](https://phicommerce.com/a-modern-payment-stack-built-for-developers-and-the-brands-they-power/): Clean APIs. Higher success rates. A Business-Tuned Gateway you don’t have to babysit.
- [D2C](https://phicommerce.com/d2c-payment-gateway/): Higher approvals, seamless affordability, and prepaid boosters, built for fast-growing D2C brands.
- [Phi Ter](https://phicommerce.com/phi-ter/): Phi-ter
- [Phi Orchestration](https://phicommerce.com/phi-orchestration/): With Phi Orchestrator, this conglomerate  integrated multiple acquirers into one orchestration layer. Transactions are now routed dynamically, ensuring payments flow through the best available path and minimizing drop-offs.
- [Phi Tokenization](https://phicommerce.com/phi-tokenization/): RBI guidelines prohibit businesses and payment aggregators from storing individual customer card details; sensitive data may only be retained by networks or issuing banks.
- [Phi Initiate Pay](https://phicommerce.com/phi-initiate-pay/): With a payment link, the business sends you a one-time link to make a payment. With Initiate Pay, you access a reusable payment form and initiate the payment on your own, without waiting for a link to be sent.
- [Newsroom](https://phicommerce.com/newsroom/): Partner with Phi Commerce to transform your network’s financial infrastructure with an efficient, secure and scalable clearing and settlement system
- [Split and Pay](https://phicommerce.com/split-payment-solution/): Enterprise-grade solution to power seamless, flexible, and secure high-ticket transactions.
- [Payment Gateway India](https://phicommerce.com/payment-gateway-india/): Accept payments seamlessly with advanced security, lightning-fast processing, and enterprise-grade reliability. Built for businesses that scale.
- [Payment Aggregator](https://phicommerce.com/payment-aggregator-india/): With seamless integrations, flexible settlements, enterprise-grade security, and proven uptime, go live with Phi Commerce and power payments built for scale.
- [International Partnerships](https://phicommerce.com/international-partnerships/): We power banks, PSPs, PA/PGs, enterprises & integrators with ready-to-deploy, compliant payment stacks - covering acquiring, orchestration, settlement & reconciliation, so you move faster, stay compliant, and scale without building from scratch.
- [Glossary](https://phicommerce.com/glossary/): In the fast evolving world of payments, jargon can get in the way of making smart business decisions. Our Payments Glossary is designed to cut through the complexity, offering straightforward explanations of key terms in payments, banking, and fintech. From transaction flows and reconciliation to payment methods and compliance, each entry is crafted with a business-first perspective. Whether you manage high transaction volumes, multiple sales channels, or complex settlements, this glossary helps you understand what’s happening behind the scenes so you can make informed decisions faster.
- [Phi Commerce Home Page](https://phicommerce.com/): Digital Payments Platform
- [Reports](https://phicommerce.com/reports/): Exploring the Future of Payments: Trends, Insights & Analysis
- [Merchant Onboarding Policy](https://phicommerce.com/merchant-onboarding-policy/): Phi Commerce has framed the Merchant Onboarding policy based on Reserve Bank of India’s (RBI) Master Direction - Know Your Customer (KYC) (DBR.AML.BC. No.81/14.01.001/2015-16) dated February 25, 2016 covering Anti-Money Laundering (AML), Combating Financing of Terrorism (CFT)  and obligations under PMLA, 2002.
- [Customer Grievance Redressal](https://phicommerce.com/customer-grievance-redressal/): In case of any complaints regarding delivery of goods/service by the Merchant from where the Customer has purchased the same, the Customer needs to communicate the issue or complaint to the Merchant. The Merchant will conduct an internal inquiry and instruct us with the next course of action.
- [Privacy Policy](https://phicommerce.com/privacy-policy/): Phi Commerce Private Limited ("Phi Commerce", "We", "Our", "Us") is a company incorporated in India having its registered office at 2nd Floor, Building No. 4, Commerzone, Off. Airport Road, Yerwada, Pune-411006. Phi Commerce is in the business of, amongst others, providing payment aggregation services- to various businesses, merchants etc. in India and payment technology services to banks, payment service providers, financial institutions and such other entities, in India and outside India
- [Terms & Conditions](https://phicommerce.com/terms-conditions/): Last updated on March 17th, 2023
- [Jobs](https://phicommerce.com/job-openings/): Find the perfect role that fitsyour career goals Filter by Category: Select Category Marketing Sales Technical All
- [Prepaid Framework](https://phicommerce.com/issuers/prepaid-framework/): Issue, manage, and scale prepaid cards with a secure, API-first platform built for digital-first banks and payment innovators
- [Issuers Tokenization](https://phicommerce.com/issuers/issuers-tokenization/): Enhance security, reduce network dependency and ensure regulatory compliance with a scalable tokenization solution
- [Credit Line on UPI Platform](https://phicommerce.com/issuers/credit-line-on-upi-platform/): Phi Commerce’s Credit Line on UPI platform equips banks and financial institutions with the tools to build, issue and manage pre-approved credit lines seamlessly. Fully integrated with UPI, the platform delivers instant access to credit for customers while ensuring compliance, scalability and security.
- [Merchants](https://phicommerce.com/merchants/): Experience tailored, unified payment solutions to streamline operations and enhance customer experiences
- [Credit Card Management](https://phicommerce.com/issuers/credit-card-management/): Streamline credit card lifecycle management with a comprehensive platform
- [Network Tokenization](https://phicommerce.com/payment-networks/network-tokenization/): Phi Commerce’s Tokenization Suite empowers networks with real-time tokenization, lifecycle management and secure interoperability
- [Network Clearing and Settlement System](https://phicommerce.com/payment-networks/network-clearing-and-settlement-system/): Enable accurate, efficient and compliant clearing and settlement with real-time fund movement and transparency across issuers, acquirers and merchants
- [EFT Payment Switch](https://phicommerce.com/payment-networks/eft-payment-switch/): Enable seamless and scalable card payment transactions with a high-performance EFT Payment Switch designed to handle diverse card operations effortlessly
- [Omnichannel Payment Processor](https://phicommerce.com/acquirers/omnichannel-payment-processor/): Enable seamless operations, customer data management and consistent experiences across all channels with India’s first truly omnichannel payment solution
- [Consumer Services, Utilities](https://phicommerce.com/merchants/consumer-services-utilities-and-insurance/): Empowering essential services business with seamless collections, operational efficiency and exceptional customer experiences
- [Acquirer Tokenization](https://phicommerce.com/acquirers/acquirer-tokenization/): Protect payment credentials with advanced tokenization technology, ensuring security, compliance and innovation across all payment channels
- [UPI Acquiring Switch](https://phicommerce.com/acquirers/upi-acquiring-switch/): Our UPI switch offers both on-premise and cloud-based deployment to suit your business requirements and operational preferences.
- [Smart Transaction Router](https://phicommerce.com/acquirers/smart-transaction-router/): Optimize payment operations with a unified platform designed to enhance efficiency, boost success rates and reduce costs across all payment channels
- [Dual-Factor Authentication](https://phicommerce.com/acquirers/dual-factor-authentication/): Enhance transaction security with advanced dual-factor authentication, including 3D Secure (3DS), for seamless and compliant payment experiences
- [NBFCs](https://phicommerce.com/merchants/nbfcs/): Streamline borrower repayments and optimize collections with CollectiPhi-360, an omnichannel collections platform for NBFCs
- [Campaign Management](https://phicommerce.com/acquirers/campaign-management/): Seamlessly execute and manage omnichannel promotional campaigns integrated with payment processing systems to maximize impact and ROI
- [Acquiring Switch](https://phicommerce.com/acquirers/acquiring-switch/): Streamline transaction processing with a secure, scalable and high-performance acquiring switch designed for modern payment ecosystems
- [Subscription Suite](https://phicommerce.com/acquirers/subscription-suite/): Transform your business with an automated subscription platform that boosts revenue, enhances customer loyalty and reduces operational costs
- [Contact Us](https://phicommerce.com/contact-us/): Let's Connect https://www.youtube.com/watch?v=DdZIPI9Tu4o Contact Us Customer Query By submitting this form, you consent to the Company contacting you regarding products, services, and related information in accordance with the company's Privacy Policy. Submit By submitting this form, you consent to the Company contacting you regarding products, services, and related information in accordance with the company's Privacy Policy. Submit Our Locations
- [Partnerships](https://phicommerce.com/partnerships/): Redefine payment experiences, leverage innovative omnichannel solutions and joint GTM strategies to expand merchant acquiring and payment capabilities
- [Success Stories](https://phicommerce.com/success-stories/): https://www.youtube.com/watch?v=1Zag27Ttffo&ab_channel=PhiCommerce

## Glossaries
- [NPCI (National Payments Corporation of India)](https://phicommerce.com/glossary/npci-national-payments-corporation-of-india/): NPCI (National Payments Corporation of India) is the organization that operates India’s retail payment systems, including UPI, IMPS, RuPay, and AePS.
- [KYC](https://phicommerce.com/glossary/kyc/): KYC (Know Your Customer) is a regulatory process that verifies the identity of customers and merchants to prevent fraud, money laundering, and ensure safe financial transactions.
- [RBI Payment Aggregator Regulations](https://phicommerce.com/glossary/rbi-payment-aggregator-regulations/): RBI Payment Aggregator Regulations are guidelines issued by the Reserve Bank of India to regulate payment aggregators, ensuring secure, reliable, and compliant digital payment processing for merchants and customers.
- [Escrow Account](https://phicommerce.com/glossary/escrow-account/): An escrow account is a secure account where funds are held temporarily by a neutral third party until predefined conditions are met, often used in marketplaces, real estate, and high-value transactions.
- [Digital Collections Platform](https://phicommerce.com/glossary/digital-collections-platform/): A digital collections platform helps banks, NBFCs, and businesses automate recovery of dues from customers using multiple payment modes, reminders, and reconciliation tools. It streamlines collections while improving customer engagement.
- [Payment Link](https://phicommerce.com/glossary/payment-link/): A payment link is a secure URL generated by a merchant or payment provider that allows customers to pay remotely via SMS, email, messaging apps, or social media. It enables fast, contactless payments without requiring a website or POS.
- [Drop-off Rate](https://phicommerce.com/glossary/drop-off-rate/): Drop off rate refers to the percentage of users who start a payment or checkout process but do not complete the transaction.
- [Smart Routing](https://phicommerce.com/glossary/smart-routing/): Smart routing is a payment optimization technique where transactions are automatically routed to the best performing payment gateway or bank based on success rate, cost, geography, or network conditions.
- [Chargeback](https://phicommerce.com/glossary/chargeback/): A chargeback is a reversal of a completed card transaction initiated by the issuing bank when a customer disputes a payment due to fraud, service issues, or incorrect billing.
- [Two-Factor Authentication (2FA)](https://phicommerce.com/glossary/two-factor-authentication-2fa/): Two factor authentication is a security mechanism where a user verifies a transaction using two independent authentication factors such as password and OTP.
- [T+0 or T+1 Settlement](https://phicommerce.com/glossary/t0-t1-settlement/): T+0 and T+1 settlement refer to the time taken for funds to be credited to a merchant after a transaction. T+0 means same day settlement. T+1 means next business day settlement.
- [Split Settlement](https://phicommerce.com/glossary/split-settlement/): Split settlement divides a single customer payment into multiple payouts for different stakeholders such as merchants, vendors, or partners.
- [Instant Reconciliation](https://phicommerce.com/glossary/instant-reconciliation/): Instant reconciliation is the process of matching incoming payments with invoices or transaction records in real time, ensuring accurate financial reporting without manual delays.
- [IMPS, NEFT, and RTGS](https://phicommerce.com/glossary/imps-neft-and-rtgs/): IMPS, NEFT, and RTGS are electronic banking systems used for domestic money transfers across bank accounts in India.
- [UPI AutoPay](https://phicommerce.com/glossary/upi-autopay/): UPI AutoPay allows customers to enable recurring payments with prior consent for subscriptions, EMIs, and automated deductions.
- [UPI Collect Request](https://phicommerce.com/glossary/upi-collect-request/): A UPI collect request is a payment request sent by a merchant to a customer’s UPI app where the customer approves the transaction.
- [Capture](https://phicommerce.com/glossary/capture/): Capture confirms the authorised amount and moves the transaction into the settlement process.
- [Payment Authorization](https://phicommerce.com/glossary/payment-authorization/): Authorization is the process where the issuer bank verifies funds or credit availability and approves or declines a transaction.
- [Issuer Bank](https://phicommerce.com/glossary/issuer-bank/): An issuer bank is the bank that issues a debit or credit card to a customer and approves or declines transactions.
- [Card Networks](https://phicommerce.com/glossary/card-networks/): Card networks such as Visa, Mastercard, RuPay, and American Express facilitate communication between issuing banks and acquiring banks.
- [Sub-Merchant](https://phicommerce.com/glossary/sub-merchant/): A sub-merchant is a business that accepts payments under a payment aggregator’s licence instead of directly onboarding with an acquiring bank.
- [Merchant Onboarding](https://phicommerce.com/glossary/merchant-onboarding/): Merchant onboarding is the process of registering a business to accept digital payments, including KYC verification, risk assessment, and regulatory approvals.
- [Tech service provider (Payment Technology Provider)](https://phicommerce.com/glossary/payment-tech-provider/): A payment tech provider builds the underlying technology that enables banks, enterprises, and platforms to design, scale, and manage complex payment journeys beyond standard gateway capabilities.
- [Omnichannel Payments](https://phicommerce.com/glossary/omnichannel-payments/): Omni-channel payments allow customers to pay seamlessly across online, mobile, in-store, QR, and remote channels using one unified payment infrastructure.
- [WhatsApp Commerce](https://phicommerce.com/glossary/whatsapp-commerce/): WhatsApp Commerce enables businesses to sell products directly to customers via WhatsApp. Brands can showcase catalogs, send payment links, and complete transactions without leaving the app.
- [Offer Engine](https://phicommerce.com/glossary/offer-engine/): An Offer Engine is a system that dynamically applies discounts, cashback, or promotional offers at checkout. It helps merchants personalize offers for customers based on card, bank, or platform-level rules.
- [BNPL (Buy Now Pay Later)](https://phicommerce.com/glossary/buy-now-pay-later/): Buy Now Pay Later allows customers to purchase immediately and pay later in installments or deferred payments.
- [EMI (Equated Monthly Installment)](https://phicommerce.com/glossary/emi-equated-monthly-installment/): EMI (Equated Monthly Installment) is a fixed monthly payment that a borrower makes to repay a loan or credit. It includes both principal and interest and is commonly used for personal loans, credit cards, and ecommerce purchases.
- [Issuer](https://phicommerce.com/glossary/what-is-issuer/): An Issuer is the bank or institution that provides customers with payment instruments such as debit cards, credit cards, prepaid cards, or UPI IDs.
- [Acquirer](https://phicommerce.com/glossary/what-is-an-acquirer/): An acquirer (also called an acquiring bank) is a financial institution that enables merchants to accept payments from customers via debit cards, credit cards, and digital channels.
- [Omnichannel Collections](https://phicommerce.com/glossary/omnichannel-collections/): Omnichannel collections refer to the process of collecting payments from customers across multiple channels online, offline, in-app, and more while maintaining a unified and seamless experience for both the business and the customer.
- [QR Payments](https://phicommerce.com/glossary/qr-payments/): QR Payments refer to digital transactions initiated by scanning a QR (Quick Response) code using a mobile device. The code contains the merchant's payment information, enabling customers to complete payments instantly via UPI, wallets, or banking apps without the need for card swipes, cash, or typing details
- [PCI DSS](https://phicommerce.com/glossary/pci-dss/): PCI DSS (Payment Card Industry Data Security Standard) is a globally recognized set of security standards created to ensure that all companies that store, process, or transmit credit card information maintain a secure environment. Managed by the PCI Security Standards Council, PCI DSS is mandatory for all merchants, payment processors, aggregators, and service providers handling cardholder data.
- [Merchant Discount Rate (MDR)](https://phicommerce.com/glossary/what-is-mdr/): MDR (Merchant Discount Rate) is the fee charged to a merchant by the acquirer for processing a digital transaction. It is usually a small percentage of the transaction value.
- [Payment Reconciliation](https://phicommerce.com/glossary/what-is-payment-reconciliation/): Payment reconciliation is the process of matching customer payment transactions with bank, gateway, and settlement records to ensure all successful payments are accurately received and accounted for.
- [Payment Gateway](https://phicommerce.com/glossary/payment-gateway/): A payment gateway is a technology solution that securely processes online payments by transmitting transaction information between a merchant’s website, the acquiring bank, and the issuing bank. It enables seamless payment acceptance for ecommerce and digital platforms.
- [Digital Payments](https://phicommerce.com/glossary/digital-payments/): Digital payments refer to financial transactions that are made or received through electronic means, eliminating the need for physical currency or manual processing. These include methods like UPI, credit/debit cards, internet banking, wallets, and QR codes.
- [UPI (Unified Payments Interface)](https://phicommerce.com/glossary/upi/): Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI) that enables instant money transfers between bank accounts using a mobile device. UPI works 24x7, including on holidays, and supports features like bill payments, QR-based transactions, and merchant collections.

## Job Listings
- [Lead Production Support Engineer](https://phicommerce.com/job-listing/lead-production-support-engineer/): Experience: 8+ years of experience in production engineering, operations, or systemsadministration
- [Presales Manager](https://phicommerce.com/job-listing/presales-manager-2/): Location: Pune/Mumbai
- [Senior Manager – Direct Sales](https://phicommerce.com/job-listing/senior-manager-direct-sales/): Location: Mumbai / Delhi
- [Product Manager – Payment & Acquiring](https://phicommerce.com/job-listing/product-manager-payment-acquiring/): Location: Pune
- [Integration Specialist](https://phicommerce.com/job-listing/integration-specialist/): ResponsibilitiesWe are looking for a skilled and motivated Integration Engineer to join our dynamic team in the payment domain. The Integration Engineer will be responsible for the seamless integration of payment systems, APIs, and third-party services into our platform, ensuring smooth and secure payment processing capabilities. The ideal candidate will have experience with payment processing systems, integration methodologies, and a strong understanding of the payment industry standards.
- [JAVA Lead](https://phicommerce.com/job-listing/java-lead/): We are seeking an experienced & highly skilled JAVA Full stack Lead to join our team. The ideal candidate will have a strong background in both front end & Back-end Technologies with expertise in JAVA, Spring & UI frameworks. As a Lead, you will be responsible for overseeing the development team, architecture saleable application & ensuring best practices in software development. This role requires a hands on leader with excellent problem solving abilities & a passion for mentoring junior team members.