Own the relationship. Retain the data. Capture more of the economics.
Payabbhi® is a white-label merchant acquiring and payment-facilitation platform that banks, software platforms and ERPs license and run as their own — your merchants, your data, your settlement, your economics.
Just ask — a one-line question is plenty.
Payabbhi® — created by the engineers behind payment platforms processing approximately half a trillion transactions a year, and growing: India's UPI, the world's largest real-time payments rail by volume¹, and the world's largest global card network.
¹ ACI Worldwide, Prime Time for Real-Time (2024); the IMF recognizes UPI as the world's largest real-time payment system.
Built on 30+ years of national and global payments infrastructure experience
Platform uptime for mission-critical payment processing
Deployed across North America and Asia
Whether you're a bank referring merchants away, a platform renting rails, or an ERP watching payments flow through un-monetized — the question is the same: who owns the program?
Move beyond referral economics with a bank-branded PayFac platform designed to keep merchants, data, and payment value closer to the bank.
Embed branded payments, operate on your sponsor-bank rails, and keep more of the value your platform already creates.
Embed payments into the platform experience — connecting payment acceptance, invoice lifecycle, and AR workflows. Keep more value inside the ERP ecosystem.
Payments are moving inside software. Businesses no longer choose an acquirer and bolt on software - they choose software, and payments come with it. Processing has become a commodity; the value now sits with whoever owns the merchant relationship and lifecycle. Which leaves every institution and platform a three-way choice:
Building acquiring infrastructure in-house typically takes three to five years and an eight-figure budget — ownership arrives after the market has moved.
PayFac-as-a-Service, managed programs, referral agreements — every rented model closes the capability gap while the merchant relationship and the economics stay with the provider.
License the acquiring and PayFac operating platform and run it as your own program — the option most market taxonomies don't yet have a row for. Payabbhi® is that row.
The Traditional Rented Model
The Owned Operating Model
Everything an owned program needs to operate, on one platform — under your brand.
POS, eCommerce and mCommerce — card processing and beyond.
No-integration payment acceptance tailored for any digital channel.
Stored credentials, network tokens, and PCI-scope reduction.
APIs, SDKs and drop-in components designed inside your product.
Complete invoice lifecycle directly wired to acceptance and AR.
Recurring billing engines and full mandate management.
Sub-merchant hierarchy, delegated controls, and residuals tracking.
Digital onboarding, merchant portals, statements, disputes & support.
We don't promise a percentage — results vary by implementation. We instrument the metrics themselves, so your program gets measurably better at the numbers that decide its economics.
Per merchant / entity — the activation funnel (application → approval → first settled transaction) is a first-class, measured workflow.
Merchants transacting within 30 days — because boarding without activation is cost, not revenue.
Per-entity settlement across parties, funds and hierarchies — built for multi-entity, multi-location programs.
Processor-agnostic by design — deployed in a dedicated cloud or on-premise, on the processor you choose.
Behind these sits an operating model: nine operational control planes, each with the KPIs its owner runs, rolled into one CFO view — so the program is managed as a business line from day one.
Ask the question you're actually sitting with — own vs. refer (merchant); rent vs. own (platform for merchant relationship / lifecycle). What does the crossover math look like?
A one-line reply is plenty.
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