Mindgate's IPH is a comprehensive payments middleware platform which facilitates centralization of payments services within a bank to support processing all types of payments through all payment mechanisms globally.

It enables institutions to build their own payment services that can integrate with multiple systems and channels, effectively breaking down the silos present in legacy structures. It also reduces complexities and removes barriers for institutions to integrate with fast-changing and newer digital channels (such as mobile, digital and multimedia).

Mindgate's IPH ensures seamless integration with multiple business systems while giving the option of processing payments in real-time, batch or both.

  • Provide comprehensive support on legacy products such as NEFT, Bank Transfer, RTGS IMPS, ABPS
  • Provides support for new systems like UPI Switch which can seamlessly integrate with Bank CBS
  • Complete support for Mobile Banking.
  • NACH Mandate Management with comprehensive NPCI H2H switch.
  • Corporate liquidity management
  • Easy onboarding process and setup process for corporates and their business partners.
  • Comprehensive customer portal and extension to their business partners.
  • Capability to support Wallet service.
  • Rule based Invoice matching and reconciliation.
  • POBO/COBO feature for large corporate customers.
  • Online Collections from other bank accounts using E-Collect product suite through NEFT, RTGS, IMPS and Unified Payment.
  • URL based collection
  • Real-time Reconciliation, online settlement and related reporting.
  • Receivable and Collection platform with reporting.
  • Corporate payout handling through H2H intervention and API banking
  • Channels: Mobile, Internet Payment Gateway, UPI
  • Corporate View: Corporate Portal, Dealer/customer Status, Mobile Wallet, Web and Physical Cards, Transaction View

Modules for PFMS, MGNREGA, Pension, Treasury, Tax Collections (State level and GSTN). government payments (Treasury), sales, excise, income tax collections.

  • Payment transaction adaptors:

    - Adaptors for all electronic fund transfers (NEFT, NGRTGS, UPI, IMPS) Supports Digitally signed payment file processing.

  • Non-financial adaptors

    - e-kYC, AADHAR authentication service integration

  • Mandate Management

    - NACH, Mandate creation, management and service. recurring collection management.

  • Transaction processing

    - STP processing, unit and bulk processing , inward and outward transactions.

  • Transaction Management

    - Transaction authorization, message enrichment, dashboards and alerts for management.