Reimagining UPI Acquiring for Modern Merchants

AI-Powered UPI Merchant Onboarding

AI-led merchant onboarding enables real-time risk assessment and fraud detection, offering banks a compliant, scalable solution.

UPI Acq

Features of the UPI Acquiring Stack

Why CARD91 Stands Out in UPI Acquiring

All-in-One Merchant Portal

VPA Creation & Management

Create, assign, & manage VPAs for merchants to streamline UPI collections and ensure seamless transaction mapping.

Manage Payment Options

Accept payments via PPI, credit card, credit line, and savings account.

Store & Staff Management

Add or edit stores, manage terminals, and generate store-level VPAs effortlessly.

Monitor Collections

Track collected payments, MDR deductions, taxes, and net settlements with ease.

Refunds

Trigger refunds individually or in bulk directly through the portal.

Manage Settlements

Define your settlement cycles and initiate them manually when needed.

Manage Mandates (Autopay)

Set up mandates, send pre-debit notifications, and execute or revoke them in a few clicks.

Merchant Portel
AI-Powered Merchant Verification & Classification
AI-Powered Merchant Verification & Classification

CARD91’s Merchant Verification & Classification solution empowers banks to onboard merchants confidently
—by verifying authenticity, assessing risk, and mapping MCCs with AI/ML precision.
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Bank Portal – Complete Acquiring Control

Performance Dashboard

Track throughput, latency, success rates, BD%, and TD% in real time.

Merchant Management

Use a centralized control center to manage all merchant activities.

Configurations

Set MDR, limits, settlement cadence, charges, and subscription plans.

Reporting Module

Generate pre-defined and custom reports as per your needs.

Role-Based Access

Manage roles, permissions, and user access with ease.

Built for Performance. Ready for Scale

End-to-End UPI Acquiring Lifecycle

AI-Based Merchant Onboarding

Onboard merchants in minutes with automated checks (GSTIN, PAN, Udhyam) and instant VPA/QR generation.

Risk Assessment & Classification

AI/LLM models assign accurate MCCs, score merchant risk, and flag suspicious profiles—ensuring AML and KYB compliance with ease.

Bank Control Center

Track performance, configure MDR and limits, manage roles, and access real-time reports—all from one centralized portal.

Merchant App & Portal

Enable merchants to manage stores, collections, refunds, settlements, and mandates via mobile SDKs or web dashboard.

Corporate Portal

Automate high-volume disbursals and collections with dynamic VPAs, payment links, mandate setups, and end-to-end reconciliation.

UPI

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