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As India accelerates toward a digital-first economy, UPI acquiring has become a vital enabler of inclusive financial growth. With over 11 billion UPI transactions every month, the need for robust, scalable, and compliant payment infrastructure is paramount.
At the heart of this digital payments revolution lies a persistent challenge: merchant onboarding. Despite tech progress, the onboarding process—especially KYB (Know Your Business)—still faces bottlenecks like delays, manual errors, and drop-offs.
This is where AI-powered merchant onboarding is stepping in to reshape how UPI acquiring works in India—faster, smarter, and fully compliant.
Many acquiring banks, PSPs, and fintechs still rely on manual or semi-automated systems that can’t keep up with the volume, complexity, and compliance standards required today—especially when onboarding MSMEs in Tier 2 and Tier 3 cities.
To understand how outdated onboarding systems fall short, read our blog:
AI-Powered Merchant Onboarding: The Future of Secure and Compliant Acquiring
AI systems instantly verify PAN, GSTIN, UDYAM, and other key documents. This reduces human intervention and ensures real-time merchant verification.
AI-driven platforms assign merchant risk scores using behavioral, transactional, and contextual data—enhancing fraud detection and segment targeting.
AI adapts to vernacular data and low-doc environments, enabling easy onboarding of MSMEs across rural and semi-urban India.
With built-in RBI/NPCI logic, KYB automation systems ensure every merchant is onboarded according to the latest compliance mandates.
Curious how AI is enabling smarter acquiring operations? Check out:
How AI is Enabling Smarter Merchant Acquiring for Banks and Fintechs
UPI acquiring is no longer just about enabling QR payments—it’s about delivering real-time, compliant, scalable infrastructure that supports modern merchant ecosystems.
Ensure RBI and NPCI compliance at every step
At CARD91, we’ve built a full-stack UPI acquiring platform powered by advanced AI and automation.
Key features include:
With support for 99.99% uptime and 2,000+ TPS, CARD91 delivers the performance, security, and speed modern fintechs and banks demand.
In a dynamic digital economy, AI merchant onboarding isn’t just a technology upgrade—it’s a strategic necessity. It empowers acquirers to onboard merchants faster, safer, and more intelligently, unlocking new revenue streams while minimizing compliance risks.
Ready to streamline your UPI acquiring with AI? Explore CARD91’s UPI Acquiring Platform
To know more about our offerings connect with our experts
1142, 6th main road, Sector 7, HSR Layout, Bengaluru, karnataka – 560102
Sales: sales@card91.io
HR: careers@card91.io
Media: comms@card91.io
Support: support@card91.io
