Leading Payment Gateway in India for Enterprise Omnichannel Payments
Trusted by banks, governments, and enterprises, Phi enables billions of transactions with unmatched security and efficiency.
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Trusted by Industry Leaders
Why Your Business Needs the Right Payment Gateway
Enterprises can’t afford friction in payments. Here’s what’s holding you back:
Fragmented Channels
Multiple systems for online, offline, and payouts increase cost and complexity.
High Failure Rates
Transaction drop-offs lead to revenue leakage and poor customer experience.
Complex Compliance
BFSI and government norms delay merchant onboarding.
Limited Scalability
Legacy infrastructure fails under enterprise transaction volumes.
Phi Commerce Payment Gateway – Built for Scale & Security
Omnichannel Acceptance:
Cards, UPI, Net banking, Wallets, POS, QR in one gateway.
Higher Success Rates:
Smart routing, UPI switch, and retry logic for reliable transactions.
Enterprise-Grade Scalability:
Proven performance handling billions of transactions annually.
Unified Merchant Portal:
Real-time dashboards for settlements, refunds, and chargebacks.
Secure & Compliant:
RBI-licensed, PCI DSS certified, ISO 27001/9001 standards.
Supported Payment Methods
Key Features of Phi Commerce Payment Gateway
Instant Checkout
One-click checkout for repeat customers
Smart Insights
Real-time analytics & reporting
API-Driven
API-first integration for developers
Smart Security
AI-powered fraud detection
Adaptive Flows
Customizable payment flows
How Phi Commerce Payment Gateway Works
Why Choose Phi Commerce Over Other Payment Gateways
Getting Started with Phi Commerce Payment Gateway
Easy Sign-Up
Create your account and complete KYC in minutes.
Simple Integration
Connect using APIs or ready-to-use plugins.
Go Live Fast
Start accepting payments instantly.
Frequently Asked Questions
What is a payment gateway?
A payment gateway is a secure online service that allows businesses to accept digital payments from customers. It acts as a bridge between the customer, the merchant, and the bank, ensuring the payment is processed safely.
How does a payment gateway work in India?
When a customer makes a payment, the gateway encrypts the details, sends them to the bank for verification, and then confirms whether the transaction is approved or declined. This entire process happens in just a few seconds.
What payment methods do Indian payment gateways support?
Most gateways in India support UPI, debit/credit cards, net banking, mobile wallets, EMI, and Buy Now Pay Later (BNPL) options. This ensures customers can pay using the method they prefer.
Does Phi Commerce offer UPI AutoPay and recurring payments?
Yes. Phi Commerce supports UPI AutoPay and recurring payments, making it easier for businesses like subscription services, edtech, and utilities to automate collections.
How fast are settlements with Phi Commerce?
Phi Commerce offers flexible settlement options, including same-day and next-day settlements, helping businesses manage cash flow effectively.
Is Phi Commerce compliant with RBI and PCI DSS?
Phi Commerce offers flexible settlement options, including same-day and next-day settlements, helping businesses manage cash flow effectively.
What payment modes are supported by PhiCommerce?
Phi Commerce supports all major digital payment modes in India, giving businesses and customers complete flexibility. These include:
UPI (Unified Payments Interface) – instant bank-to-bank transfers, UPI AutoPay, and recurring payments
Debit and Credit Cards – Visa, Mastercard, RuPay, American Express, Diners Club
Net Banking – direct payments from all leading Indian banks
Mobile Wallets – Paytm, PhonePe, Amazon Pay, etc.
EMI & Buy Now Pay Later (BNPL) – flexible payment options for higher-value transactions
QR Code Payments – scan & pay using UPI apps
Link-Based Payments – pay via SMS, WhatsApp, or email payment links
What is PCI-DSS? Do I need it?
PCI DSS (Payment Card Industry Data Security Standard) is a global set of security standards designed to protect sensitive cardholder data. It ensures that businesses handling debit or credit card payments follow strict guidelines for securely storing, processing, and transmitting card information.
If your business accepts card payments (online or offline), PCI DSS compliance is mandatory. Non-compliance can lead to:
Higher risk of fraud and data breaches
Heavy penalties from banks or card networks
Loss of customer trust
The good news is that if you use a PCI DSS-compliant payment gateway like PhiCommerce, you don’t need to handle most of these requirements yourself because the gateway manages data security on your behalf.
Do you support card tokenisation?
Yes. We’ve our own RBI compliant card tokenization solution called Token Vault. Token Vault is India’s first interoperable card tokenization solution that helps you process your customer’s saved card payments across mutliple card networks and payment gateways. Know more about Token Vault. https://phicommerce.com/acquirers/acquirer-tokenization/
Why is PhiCommerce Payment Gateway the most secure?
PhiCommerce is built with security at its core to protect businesses and customers from fraud, data theft, and payment failures. Here’s why it’s considered one of the most secure payment gateways in India:
✅ PCI DSS Level 1 Certified – the highest global standard for card data security
✅ RBI-Compliant – follows all Reserve Bank of India regulations for digital payments
✅ End-to-End Encryption – every transaction is encrypted to prevent unauthorized access
✅ Tokenization Support – sensitive card details are replaced with tokens for safe storage
✅ AI-Powered Fraud Detection – real-time monitoring to block suspicious activities
✅ Two-Factor Authentication (2FA) – mandatory OTP-based authentication for Indian card payments under RBI guidelines