Itzcash offers a cloud‑native platform that consolidates bill payments, mobile recharges and peer‑to‑peer transfers for Indian consumers, while providing a PCI‑DSS compliant payment gateway for SMB merchants. The service includes tokenized, end‑to‑end encrypted transactions, UPI and card support, REST APIs and SDKs for quick integration, and real‑time settlement with automated reconciliation and AI‑driven fraud detection.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers and small businesses in India often must navigate multiple disconnected platforms to pay bills, recharge mobile accounts, and accept online payments, leading to fragmented user experiences and increased transaction friction. Additionally, many merchants lack a unified gateway that ensures secure, real‑time processing across diverse payment methods.
Solution
Itzcash consolidates core digital financial activities into a single, cloud‑native platform that supports consumer bill payments, mobile recharges, and merchant payment acceptance. The service provides a PCI‑DSS compliant payment gateway with tokenized card data and UPI integration, enabling instant, end‑to‑end encrypted transactions. For merchants, Itzcash offers RESTful APIs and SDKs that embed checkout flows into web, mobile, and POS environments without extensive development effort. Real‑time settlement and automated reconciliation reduce accounting overhead, while built‑in fraud‑detection algorithms monitor transaction risk. Users can manage all payments through a unified dashboard that aggregates transaction history, analytics, and support tools, streamlining financial management for both individuals and businesses.
Target Audience
The primary users are Indian consumers seeking a single app for bill payments and mobile recharges, and SMB merchants who require a secure, plug‑and‑play payment gateway for online and in‑store sales.
Features
- Unified consumer portal for utility bill payments, telecom recharges, and peer‑to‑peer transfers
- PCI‑DSS and RBI‑compliant payment gateway supporting cards, UPI, net banking, and QR code payments
- Tokenization and end‑to‑end encryption to protect sensitive payment data
- REST APIs, JavaScript and Android/iOS SDKs for rapid integration into merchant checkout flows
- Real‑time transaction settlement with auto‑reconciliation and downloadable statements
- AI‑driven fraud detection and risk scoring engine with configurable thresholds
- Merchant and consumer dashboards offering transaction analytics, chargeback management, and support tickets
- Multi‑currency support and compliance with Indian KYC/AML regulations