Everything Payments

About Unified Platform

We provide a unified platform to networks, banks
and businesses through integrated and agile

Us innovations that enable frictionless and flexible

payments online, on mobile, and at points of sale

Global Security
Certified to meet gold standards of global security.
PhiCommerce is an omnichannel Robust and scalable technology, ready for cloud and
payment solutions provider that aims on-premise deployments

to address the evolving needs of

digital payments infrastructure

Expertise and Experience

Helmed by stalwarts of the payment industry, with a
combined experience of 150 years

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 Business Highlights

Processing Transactions
transactions from processed per month

500 100
Million Cards Million

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 Education

Travel Fuel

Network
Real Estate
Telecom
& Housing
s

We Deliver
Value Across
Industries Hospitality

Payment Processors
Government
Banks
Retail

Consumer
Finance Utilities

E-Commerce Logistics
04
Clients and Partners We are proudly
partnered with India’s
National Card Payment

Who Trust Us Gateway

Asia's Oldest And Multiple Established Top 3 Private India’s Top 3 Oil
World’s Top 10 Stock Indian Educational Sector Banks in India Marketing Company
Exchange Institutions (Fortune 500)

$3.6 Billion Global 2 of India’s Largest Top Hospitality Leading Indian

Conglomerate from End-to-end Logistics Group with Presence Natural Gas
India Solutions Providers in 5 countries Distribution Company

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 Winners
2020 → Visa Everywhere Initiative, 2020 for
Buy Now-Pay Later/ Instalment Solution

Awards & 2019 → DigiDhan Mission Fintech Award, 2019,

by Ministry of Electronics and Information

Recognition Technology (MeitY), Govt. of India

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2018 ✦ Best White Label Payment Gateway,
Payments & Cards Awards

✦ Selected to participate in Mumbai

Fintech Accelerator sponsored by Govt.
of Maharashtra

2017 Payments & Cards Awards

✦ Best Online Payment Solution
of the Year – Consumer

✦ Best Online Payment Solution

of the Year – Merchants

Awards &
Recognition
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PhiCommerce
in News

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 multi million-dollar payment
150 in payments, decade long
20
The
programs for State Bank of India
association, complementing skills
years Countries (SBI), Standard Chartered Bank

Team Previously worked with Mastercard,

Electra Card Services, ICICI Bank, Opus
Software Solutions, Euronet
Worldwide
Built and managed India’s first and
largest ecommerce gateway. Credit
cards for Deutsche Bank, IndusInd Bank

Jose Tushar Anil Rajesh Ramkumar

Thattil Shankar Sharma Londhe Subbaraj

CEO Business Credit & Payments Technology

Development Instalments

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We Understand the Needs and Challenges of the Evolving Payments Ecosystem
Meet Consumer Expectations Achieve Cost Efficiency and Scale

Offer real-time, Omnichannel experience Higher Migrate from disparate, ‘card-first’ Automate manual
personalized across acquiring channels transaction legacy systems to a unified system that functions viz.
digital journeys and payment modes success rates caters to non-card rails reconciliation, settlements

Network
Facilitate cross-border Adapt payment experience to Low-cost maintenance & upgrade API based as-a-service
Schemes
transactions post-Covid world (contactless) of payments infrastructure offerings

Facilitate frictionless payments by eliminating Design infrastructure for accelerated development and scale
points of failure across the value chain
Banks and
Payment
Processors
Cater to Stakeholder Demands Consolidate Business (Compete or Partner?)

Rising regulatory compliance Customer

Corporates
and security requirements one-view
and Merchants
Scale operating models to compete
with traditional players Pressure on
Higher scrutiny on issuing and Issuers and acquirers valuations during
scheme fees demanding VAS funding rounds due
Identify and forge the to COVID-19
right partnerships
Competition from domestic schemes and Fintechs
non-card rails like QR, wallet, biometric etc.

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“Everything Payments” nt
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Phi Commerce offers
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end-to-end digital payments

ty
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solutions and services through Pa

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its flagship platform

PAYPHI

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 “Everything Payments”
By PayPhi

Process and Manage Customized Presentment Payments Consulting and

Omnichannel Digital and Processing for Program Management
1 Payments 2 Complex Business 3
Transactions

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 Payment acceptance across all
acquiring channels and payment modes

01. Integrated Digital 05. Enabling Transactions at Scale with Higher

PayPhi Onboarding Success Rates and Optimized Costs

→ Transactions benchmarked at 5000 transactions per

Integrated sec
→ Active cluster deployment to ensure zero transaction
02. Supports All Types of Settlements loss and investment optimization

& Secure → Gross settlement

→ Single account settlement
→ Easy API integrations
→ Modular architecture

Payment
→ Cloud-ready and on-premise for on-soil
→ Distributed, multi-party
deployments
settlement
06. PCIDSS Certified and Supports Global Standards

Platform 03. Reconciliation

→ Online API-based reconciliation
→ Comprehensive transaction reports
→ Automated posting
→ Disputed transaction details
and Modern Protocols like ISO20022
→ All-inclusive transaction set (Purchase/Sale, Refund,
Void, Reversals, Pre-Auth, Auth completion)
→ Exception handling to minimize rejections
→ Dashboard for real-time transaction monitoring and
fraud control

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 PayPhi Unified Commerce Platform
PayPhi is an integrated platform that delivers a frictionless omnichannel experience,
unifying various facets of the payment value chain

Payment Payment Payment Customer

Businesses
Methods Devices Transactions Touchpoints

▸ Single businesses
▸ Push & Pull transactions ▸ Mobile ▸ Chip/PIN ▸ Online
▸ Multi-party businesses
▸ Real-time & Buy Now-Pay Later ▸ POS ▸ NFC ▸ In-store
▸ Marketplaces
▸ One-time & Instalments ▸ mPOS ▸ QR ▸ Doorstep
▸ Points of Purchase & Delivery ▸ Kiosk ▸ Card Swipe
▸ Proximity & Remote ▸ Voice ▸ Wallet
▸ iOT devices ▸ Biometric
▸ Tokenization

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Simplified Solutions for
Complex Business Needs

E-invoicing Recurring Payments

Last-mile Payment Zero-network

Thank You!
Fulfilment Remote Your Purchase was successful
Payments

Distributed, Multi- Multi-instrument

party Settlements Split Payments
Buy Now, Pay Later &
Instalment Award-
winning solution
Multiple Authorizer Based Buy Now, (Visa Everywhere Initiative 2020) Done
for end customers/cardholders
High-value Payments Pay Later
(four-eye principle)

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 MODEL 1 MODEL 2

PayPhi Payment PayPhi Smart Hosting

Facilitation Services & Enterprise Services
Enable Digital
Payments Through
Flexible Models

A plug and play, API-first

White-labelled payment processing
payment platform for
solutions for large scale global
merchants and corporates, with
partners, with on-premise as well as
an exclusive suite of best-in-
cloud-based deployment options
class services

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PayPhi Payment PayPhi powers a plug and play, API-first payment
Facilitation Services platform with an exclusive suite of services

Versatile payment gateway & aggregation platform for all types of businesses, channels and payment methods

Exclusive End-to-end Support Services Value Added Services for Impact at Scale

Digital onboarding via simple API based integration

& convenient interface with central bureaus
(web and app)

Intelligent Deep API integrations Analytics-as-a-service

transaction with core ERP systems for customer one-
routing for and business view and
Reconciliation optimized costs platforms for personalized
Hosted 24x7 merchant
and dispute frictionless transaction experiences
on AWS support
handling processing

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 PayPhi Payment
Facilitation Services in India

New age All domestic and Internet

payment methods international cards Banking

UPI – Push / Pull payments

Retail Consumer Cards State Bank
Axis Bank HDFC Bank
Dynamic of India
Intent Call
BharatQR Code
Credit Debit
Collect Request Aadhar Pay

ICICI Bank Over 50+ Banks in India

Static BharatQR Commercial
Wallets Prepaid
Code Cards

Direct to account Account Types Networks

International Domesti
NACH NEFT / RTGS Savings Account Current Account VISA, Mastercard / c
Maestro, AmEx, RuPay
JCB/Diners

Single Dashboard for Transactions across Multiple Touchpoints 1 8

 PayPhi Smart Hosting & Enterprise Services

Smart hosting infrastructure services, Unified platform for processing

with “lift and shift” for on-premise as payments globally
well as cloud-based deployments
across locations

Enable businesses you serve with

ready interfaces single integration
for multiple payment modules
Payments consulting and
risk management

Flexible, pay-as-you-go
variable pricing

Designed for accelerated volume

handling, leveraging core
in-house learnings and capabilities

Powering India’s
NATIONAL CARD PAYMENT GATEWAY
PayPhi powers white-labelled payment processing processing transactions from
solutions for large scale global partners 500 Million Cards
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B2B Payment Benefits
Efficient business payments collection and reconciliation solution

→ High transaction success / near-zero failure rate

Invoice
Vendor Invoice
presentment /
portal & Data → Automated collections
forward invoice
registration exchange
for payment
with PayPhi → Option for customized UI and invoices

→ Anytime/ Anywhere/ real-time payments and advice

Payment options:
Online Real time
Net banking, Corp. → Easy reconciliation
payment payment
cards, NEFT/RTGS,
page processing
eNACH → Increased cashflow

→ Streamlined working capital

File-based or real
Overdue invoice → Easy access and tracking of invoices
Advanced time API based
tracking and
analytics update to ERP
vendor → Direct settlement to bank account
systems
notification

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E-invoicing &
Benefits
Recurring Payment
Simple, convenient and efficient end to end automated e-invoicing → Billing frequencies, SMS/E-Mail Notifications,

solution Due Date Reminders, Late Payments

One time payment E-invoice
→ Secure pre-populated payment pages with
Entity and sub- type configuration generation and
by department/ invoice status multi payment options
entity set up
category/rate management
→ Single account consolidated settlement as
well as multi account settlement by expense
E-invoice type
GUI Based Multiple
presentment
System payment options
on PayPhi
Administration including → Real-time dashboard for information on
Portal (paid
for Entities EMI/Instalment current collections and outstanding
and due)

Automated → Easy daily reconciliation

Integrated Invoice Payments,
reconciliation
payment Download/Print
and real-time
processing Receipts
updates to billing
system

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 Benefits

Doorstep → Effective substitute for Cash on Delivery (COD):

Collection & e-COD 1. Enables customer to pay electronically upon

delivery
2. Enables customer to pay remotely

→ Easy to roll-out and scale up

Multiple payment
Uniform consumer
SDK for mobile options viz. mPOS,
experience agnostic → Option to convert COD into e-COD at the time of
collection app QR, Cards and
of payment mode delivery
Wallets

→ Eliminates ‘cash-handling’ costs and associated risks

Enterprise Direct settlement to

Enabling agent account including split → Customer pays upon receipt of goods and delivery
application
to record cash payments
integration for person gets real-time notification of successful payment
collected (for collection by third party
real-time collection service providers)
information → Fewer reattempts caused due to customers’
unavailability

→ Time taken per transaction < 1 minute, enabling

higher number of deliveries per agent
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 Buy Now, Pay Later/
Debit Card Instalment Benefits

→ Open loop

Cardholder profile → Real-time, in transaction EMI conversion

MCC/MID/TID Underwriting
based Instalment
specific programs capable
programs → No need for merchant tie ups

→ Supports online & offline merchants

API-first approach
for integration with Secure PCIDSS Available on AWS → Allows concurrent instalment programs
Issuer Bank, Credit compliant as a hosted service subject to limit availability
Bureaus

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 Everything Payments

Address Email
Phi Commerce Pvt. Ltd. sales@phicommerce.com
1st Floor, Building No 4,
Commerzone, Samrat Ashok Path, Website
Yerwada, Pune - 4110066 www.payphi.com