Comviva » » FinTech » Digital Payments » Merchant Payments
Focused on Payments
At payPLUS, we aim to streamline payments for online and e-commerce businesses. We provide a seamless payment experience to consumers while optimizing the entire payment management process for online merchants. With smart payment routing, payment orchestration, and our comprehensive payment solution, we empower businesses to enhance efficiency and customer satisfaction in the digital payment landscape.
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payPLUS adopts an integrated view of the online merchants and consumers
payPLUS empowers online merchants with a unified payments checkout enabling acceptance of all the popular online payment instruments such as cards, wallets, banking, EMI, BNPL, etc. across different online channels. payPLUS smart payment gateway manager is a feature-rich white-labeled payments orchestration platform that helps merchants seamlessly integrate with and manage multiple payment gateways/PSPs through a single interface – enabling optimization of overall cost & achieve better payment success rates.
WHO IS PAYPLUS FOR
A One-stop Shop for All Payment Acceptance Needs
payPLUS for Merchants
For online merchants integrating with multiple payment methods/payment service providers, payment optimization is a key necessity for better performance & revenue. payPLUS helps merchants with payments, while they focus on improving other business needs. Using payPLUS, merchants can better route the transactions , improve their payment success rates & cut down on costs through the smart routing module offering. The unified checkout offering helps tighten control over UI and enable a seamless checkout process. In addition, payPLUS also simplifies various payment management activities by offering value add modules like Payment links, Reconciliation Engine, Downtime alerts, and more
Key Features & Benefits
A Flexible and Customizable Offering
payPLUS is built over an extremely flexible and adaptive architecture that allows merchants to configure it to fit businesses of any nature, size, scale, and hierarchy.
Complete One-Stop Payment Solution
payPLUS is a comprehensive, yet simple solution enabling online merchants to accept payments at all levels of a business through one system. payPLUS provides the right tools to simplify & optimize your payments stack
• Single Integration across PSPs & independent payment instruments
• Merchant Management module (up to N-level hierarchy)
• Unified Checkout forms for seamless presentation layer
• Unified dashboard & reporting
• Fraud management via partners & many more
Smart Routing
payPLUS offers a rules-based dynamic routing system. Depending on their requirements, merchants can easily set the rules to route transactions basis a wide range of conditions available including payment methods, business units, card schemes, issuers, currencies & more.
Invoice Payments
Securely generated web addresses that allow customers to make payments using all of the merchant’s supported payment methods ranging from cards to NB to Wallets & beyond. This also works for over-the-counter transactions where the customer is present and can also be scheduled by larger merchants for their recurrent customers
Reconciliation Engine
Reconciliation module with rules setting console enabling semi-automatic to automatic reconciliation at pre-defined frequencies between merchant transaction records and different PSPs settlement data. payPLUS also provides a unified dashboard and a wide range of reports for viewing the post-recon results and comparing settlement performance across PSPs
REASON TO CHOOSE
Feature-Rich
- Unified payment acceptance platform that supports all forms of payments ranging from cards to bank transfers to wallet to the UPIS on all types of customer channels ranging from an app to web to QR to payment links
- Rules-based Routing tools that provided higher success rates at a reduced MDR
- Admin-friendly features like invoice link payments, Rules-based Recon, New Age merchant management system etc.
REASON TO CHOOSE
Integration
- Readily available payment pages for all payment instruments as web SDKs, APP (IOS & Android) SDKs, OTB Apps & Web portals with supported transactions APIs for all types of payment
- Flexibility to integrate with leading PSPs, other payment providers for wallets & net banking etc.
REASON TO CHOOSE
Faster Time-to-Market
Supports rapid addition of new features without disruption in business operations
KEY USE CASES
E-commerce
An easy substitute for cash-on-delivery and point-of-sale payment in online businesses. Solve cash handling problems for delivery guys. Alternate Payment options to customers in addition to the online portal
KEY USE CASES
Physical Retailers/Freelancers
Businesses having no app or website but are willing to accept online payments. It also helps merchants to grow their customer base by selling remotely i.e. merchants agree on a sale by phone or email (including international customers) and get payment through the link.
KEY USE CASES
Smart Routing with cost-saving examples
On average, online merchants have five payment processors. It may be because one payment service provider does not offer all payment methods or does not offer cross-border payments. These payment service providers have varied costs and success rates. payPlus routing engine routes traffic between multiple payment service providers to a high-performing PSP, ensuring a higher transaction success rate and positive customer experience. It also enables the merchant to achieve cost efficiency by routing the transaction to a lower-cost PSP.
KEY USE CASES
Reconciliation
Online businesses integrated with multiple payment service providers and payments data scattered across files struggle to ensure having appropriate checks on PSP charges. payPLUS recon engine enables merchants to identify incorrect payments settlement and achieve transaction-level control on money movement
KEY USE CASES
Payments Checkout
Provide online consumers a quicker and better payment checkout experience through payPLUS’s unified checkout page – supporting all the popular payment methods across PSPs with zero redirections across web & mobile. Accept payments using loyalty/reward points with ease using base split tender capability
RELATED RESOURCES
Browse through for more information
FLYER: Merchant Payments: payPLUS
BROCHURE: FINANCIAL SOLUTIONS
RECENT AWARDS
India Technology Award (Code Studio 2019)
Comviva won the India Technology Award (Code Studio 2019) in the Best Technology Provider for Financial Technology (FinTech) Services for our PayPLUS Unified Payment Acceptance Solution.
SEE MORE AWARDS
EXPLAINER VIDEO
What is payPLUS’s Unified Payment Acceptance
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