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CARD91 Launches Full-Stack UPI Acquiring Switch to Power Merchant Payments at Scale

Full-Stack UPI Acquiring Switch

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India’s UPI landscape is evolving rapidly—surpassing 18 billion transactions a month, with over 60% driven by Person-to-Merchant (P2M) payments. Yet, despite this growth, ecosystem players face friction points in onboarding, scalability, and compliance.

Enter CARD91. With the launch of its Full-Stack UPI Acquiring Solution, CARD91 addresses these pain points head-on—providing a secure, compliant, and future-ready infrastructure for banks, fintechs, and corporates looking to streamline merchant and payment collections at scale.

Why UPI Acquiring Infrastructure Matters?

As acquiring becomes a central pillar in the growth of UPI-led commerce, many issuers and aggregators are still dependent on legacy systems that fall short on speed, compliance, and flexibility. CARD91’s latest solution—embedded within its flagship Blitz platform—changes that.

Key Features of CARD91’s UPI Acquiring Solution

Key Features of CARD91’s UPI Acquiring Solution
1. DIY Merchant Onboarding:
Enable seamless onboarding with built-in AI-powered fraud checks, reducing manual overhead and onboarding time.

2. Instant VPA & QR Code Generation:
Generate static and dynamic QR codes with unique Virtual Payment Addresses (VPAs) for instant merchant activation.

3. End-to-End Transaction Lifecycle Management: From reconciliation to settlements, manage every step of the transaction journey through a unified platform.

4. Unified Bank & Merchant Portals: Gain deep operational control with advanced dashboards and reporting tools for both banks and businesses.

5. Bulk Disbursals via Netbanking: Support corporate payout flows with bulk disbursal and collections capability.

6. API-First, Developer-Friendly: Easy-to-integrate with well-documented APIs and predictable response codes—built for quick deployment and scale.

7. UPI IPO Management: Enable ASBA-based IPO applications via UPI, supporting new and emerging use cases.

Built for Scale, Resilience, and Reliability

CEO Ajay Pandey noted:

“This launch represents a pivotal step in our mission to transform UPI acquiring infrastructure in India. From empowering micro-merchants to supporting enterprise-grade acquiring, our platform is built for scale, resilience, and adaptability.”

Certified for UPI 2.0, CARD91’s solution supports:

  • 2000+ transactions per second
  • ~0% technical decline rates
  • 99.99% platform uptime

With cloud-deployable modules, mobile apps for merchants, and centralized control centers for banks, CARD91 offers an intuitive, integrated acquiring stack that meets the real-world needs of the UPI ecosystem.

Who Can Benefit?

  • Banks & Payment Aggregators looking to launch their own acquiring rails

  • Fintechs aiming to scale QR-based collections

  • Corporates managing bulk payment flows

  • Micro-Merchant Platforms needing instant digital onboarding and collections

Whether you’re expanding QR reach, launching a white-labeled merchant app, or building your own UPI stack, CARD91 delivers an acquiring experience that’s secure, scalable, and future-proof.

About CARD91

CARD91 is a next-gen Issuance Platform-as-a-Service company, offering plug-and-play infrastructure for banks, NBFCs, fintechs, and license holders. From prepaid cards and credit lines to UPI and multi-currency instruments, CARD91 makes payment issuance frictionless and compliant.

With 100+ professionals and operations across Mumbai, Delhi, Bangalore, and Chennai, CARD91 is committed to enabling smarter, faster, and safer digital payment experiences.

Connect us: https://card91.io/contact-us
Contact: sales@card91.io

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