Payphi provides a modular, AI‑ready payment platform that unifies online, in‑store, and mobile transactions across cards, UPI, and emerging methods. Its suite—including a secure gateway, omnichannel hub, smart routing, and acquiring switches—offers unified APIs, automated back‑office reconciliation, and real‑time fraud analytics to help merchants, acquirers, networks, and issuers process payments efficiently and securely.
Funding
$15.7M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Financial institutions and merchants face increasing fraud, fragmented payment channels, and inefficient back‑office processes that hinder seamless transaction processing and customer engagement.
Solution
Payphi offers a modular, AI‑ready payment platform that unifies online, in‑store, and mobile transactions across cards, UPI, and emerging payment methods. Its suite includes a secure payment gateway, an omnichannel hub, smart routing, and acquiring switches that connect merchants directly to banks, networks, and processors. The platform automates reconciliation, reduces manual effort, and provides real‑time analytics to detect and mitigate fraud. By exposing unified APIs and plug‑and‑play integrations, Payphi enables businesses to launch payment‑linked campaigns and scale operations without compromising security or reliability.
Target Audience
Primary customers are merchants, payment acquirers, card networks, and issuers seeking an integrated, secure, and scalable solution for omnichannel transaction processing.
Features
- Payment Gateway with advanced security controls and sub‑second processing latency
- Omnichannel Payment Hub that aggregates infinite payment methods through a single API layer
- Smart Transaction Router that optimizes routing across channels, aggregators, and gateways for higher success rates
- Acquiring Switch and UPI Acquiring Switch with direct NPCI integration for high‑volume, low‑cost settlements
- Campaign Management tools for designing, deploying, and tracking payment‑linked promotions across channels
- Unified back‑office automation for reconciliation, reporting, and ERP integration
- Scalable architecture supporting millions of transactions annually with enterprise‑grade reliability