Mindgate’s UPI Solution helps in facilitating the new age real-time payments platform providing the ease of instant transfer, enabling the use of Virtual payments address (VPA) or QR codes – and coupled with solid end to end security and data protection.

The UPI ecosystem provides for a round the clock availability with the added feature of leveraging features like QR code and collect based transactions.

This next generation transaction platform has re-engineered the customer /merchant ecosystem from a customer-initiated payment approach to a merchant-initiated collection.

Our platform is built on open source technology framework and is optimized for high scale and volume.

The platform enables to open up their service offerings for all participants across channels with a quick turnaround time and with reduced TCO.

Our UPI solution powers P2P, P2M and M2P payments and collections through multiple Partner Banks.

  • View Balances
  • Seamlessly Transact across Bank Accounts
  • Pay using VPA, QR Code, Account Transfer, Digital ID (Aadhar), Mobile Number
  • Request Payments using Collect Transactions
  • Dispute Management
  • Refund and Chargeback Management
  • Stand Alone Merchant App (QR based collect, MVISA, Master pass)
  • Web POS, POS, Face to Face Collections
  • Biometric based collect (based on country level support)
  • Merchant Reconciliation, Settlement and Payout
  • Dispute Management
  • Refund and Chargeback Management
  • Real time collection request generation through web API's/Mobile API's/ Face to Face Payments. [Ex. Aggregators, FMCG Companies, Airlines, e-Tailers]
  • Bank Mobile SDK bundled with merchant App [Retail Chains]
  • Recurring and One-time Bulk collections (file Based) through bank channels [EMI collections, utility payments]
  • API Banking: Web API's and SDK [Very Large merchants, Aggregators, Wallet Operators]
  • Merchant Reconciliation, Settlement and Payout
  • Dispute Management
  • Refund and Chargeback Management