How Banks Can Power Merchant UPI Collections Through CARD91’s UPI Acquiring Solution?

3 minutes read

Nitya

May 9, 2025

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In today’s fast-evolving digital economy, UPI acquiring has become a strategic necessity for banks looking to expand their merchant ecosystem. With merchant transactions (P2M) constituting a significant share of UPI volumes, institutions that invest in robust, compliant UPI acquiring infrastructure are best positioned to capture this booming market.

At CARD91, we enable banks to accelerate their merchant acquisition journey with a full-stack UPI acquiring solution — combining seamless onboarding, comprehensive payment collection solution and a scalable UPI switch. Let’s explore how our technology drives seamless collections and management.

Why UPI Acquiring is Critical for Merchant Ecosystem Expansion

The rise of digital-first consumers has transformed expectations around payments. Today’s merchants — from local retailers to large enterprises — seek quick, secure, and effortless ways to accept digital payments. UPI, with its widespread adoption and government backing, has emerged as the preferred payment mode for both businesses and consumers.

However, the opportunity for banks goes beyond just enabling acceptance. It’s about owning the merchant relationship, offering value-added services, and building an ecosystem that fosters loyalty and growth. That’s where a future-ready UPI acquiring infrastructure becomes critical.

Unlocking Merchant Growth with CARD91’s UPI Acquiring Infrastructure

CARD91’s UPI acquiring platform is designed to offer banks and financial institutions everything they need to efficiently scale their merchant network and capitalize on India’s digital commerce surge.

1. Seamless Merchant Onboarding

Merchant onboarding is a crucial step in expanding a merchant network. With streamlined processes and support for bank-led onboarding, our platform ensures quick setup on the UPI ecosystem, enabling merchants to start accepting payments efficiently.

CARD91 simplifies this with:

Seamless Merchant Setup on UPI Platform: Our infrastructure enables banks and partners to swiftly configure merchants for UPI acceptance—ensuring quicker activation and streamlined transaction readiness.

Merchant Categorization and MID Configuration: Enables banks to classify merchants under the appropriate MCC, genre, and size, while we support MID setup on the UPI platform for smooth transaction processing.
Instant VPA (Virtual Payment Address) Creation: Enabling merchants to start accepting UPI payments immediately after onboarding.

Our intelligent onboarding workflows ensure a faster time-to-market for banks while maintaining complete regulatory compliance.

2. Comprehensive Payment Collection Solution Deployment

To fully unlock P2M potential, every merchant must be equipped with a QR-based payment mechanism.

CARD91’s solution enables:

Static and Dynamic QR Code Generation: Personalized QR codes linked to merchant VPAs, ready for immediate deployment across stores, online channels, and delivery platforms.
InstaQR Setup: For banks targeting mass merchant segments such as small retail shops, vendors, and service providers.
Transaction and refund management: Allowing instant transactions, refunds, and tracking through merchant dashboards.

Our extensive payment collection solution backbone ensures that banks can empower even the smallest merchants to participate in the digital economy, driving financial inclusion and UPI transaction volumes.

3. High-Performance UPI Switch for Scalable Transaction Management

A seamless transaction experience is non-negotiable for merchant satisfaction.

CARD91’s proprietary UPI Switch offers:

Real-Time Routing and Authorization: Ensuring high transaction success rates with near-zero technical declines.
Scalable & Reliable Switching Infrastructure: Designed for high availability and low latency, our switch ensures seamless transaction processing at scale — supporting growing volumes without compromising on performance or uptime.

With a cloud-native, API-first architecture, our UPI switch delivers agility, resilience, and scalability — vital for supporting transaction surges during peak seasons and campaigns.

4. Automate UPI Operations

MDR & Fee Configuration: Flexible setup of Merchant Discount Rates, platform fees, and custom charges based on business models.
Settlement Rule Engine: Define and manage settlement cycles, payout hierarchies, and reconciliation preferences with ease.
Transaction Limits & Risk Controls: Configure transaction limits per merchant, use case, or risk profile to ensure compliant operations.
KPI Dashboards: Actionable insights into merchant performance, transaction trends, and payout statuses — all in real time.

These capabilities enable banks to offer a differentiated merchant experience while optimizing backend controls and profitability.

Conclusion: Partner with CARD91 to Lead the Merchant Acquiring Revolution

In an environment where speed, compliance, and scalability are key, traditional approaches to merchant acquiring are no longer sufficient. Banks must equip themselves with advanced UPI acquiring solutions to capture the expanding digital payment landscape.

CARD91’s full-suite UPI acquiring infrastructure — covering merchant onboarding, payment collection solution, scalable UPI switch management — empowers financial institutions to grow their merchant network efficiently, securely, and sustainably.

Expand your merchant ecosystem with confidence. Partner with CARD91 — and unlock the future of digital commerce today.