Payabbhi®

Next gen acquiring & acceptance platform, accelerating Commerce

A full-spectrum payments acceptance platform

Payabbhi® is a white-label payment-acceptance and payment-facilitation platform that enables acquirers, ISO/MSP/PSP, PayFac, and software platforms (ISV/Fintech) to enable modern payment capabilities under their own brand.

With unified omnichannel acceptance: POS, e-commerce, mobile commerce, and in-app journeys, Payabbhi® helps merchants scale seamlessly across diverse payment channels and alternate payment methods.

Payabbhi® back-office features for multi-layer reconciliation & settlement, partner & merchant management (hierarchical), ledger & funding, can enable clients to offer their branded PayFac service to software platforms ISV/Fintech), as well as acquirers, ISO/MSP/PSP, and merchants.

API-first, mobile-first, and cloud-enabled, Payabbhi® is built on a microservices-based, fault-tolerant N+1 architecture. It offers high-degree of configurability & customization for scalability & extensibility, backed by PCI DSS compliance and enterprise-grade security, resilience, & reliability.

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Own your payments. Don’t rent them.

Traditional payment platforms rely on fragmented, multi-vendor ecosystems, limiting control over pricing, merchant relationships, data, and revenue. This often results in margin leakage and operational inefficiencies.

Payabbhi® enables organizations to license the platform, operate payments under their own brand, and retain ownership of merchant relationships, data, and revenue streams. It brings technology, operations, and monetization together—helping businesses move from processing payments to owning the payments business, through a licensed platform deployment — on-premise or private cloud, never SaaS.

One platform. Full merchant lifecycle.

Payabbhi® unifies merchant onboarding, payment acceptance, transaction processing, settlement, reconciliation, and reporting in a single platform.

By eliminating fragmentation and creating one source of truth, Payabbhi® reduces operational complexity, accelerates merchant activation, improves visibility, and enables organizations to scale efficiently while maintaining control over operations and customer experience.

Features

POS / ECOM / MCOM Payments

POS / ECOM / MCOM Payments

Unified omnichannel payment acceptance across physical and digital environments

Payment Link, Hosted Page

Payment Link, Hosted Page

Flexible, branded payment collection with minimal integration overhead

Tokenization

Tokenization

Secure data handling with token-based protection mechanisms

Embed Pay

Embed Pay

Seamless in-app and in-journey payment experiences

Invoices & Payout

Invoices & Payout

End-to-end digital collections and disbursement workflows

Subscriptions & Recurring Pay

Subscriptions & Recurring Pay

Automated recurring billing and subscription lifecycle management

Partner Management

Partner Management

Ecosystem enablement through partner onboarding and lifecycle management

Merchant Operations

Merchant Operations

Automates merchant onboarding, risk underwriting and account configuration

North American PSP

Payabbhi®;was leveraged to implement the payment processing platform for this processor.

A key functionality provided was the split funding for convenience fee processing to ensure seamless execution for U.S. Govt. utility payments, where the bill amount needs to be credited to the Govt. agency account, and the convenience fee to the Payment processor account. This was facilitated by splitting the transaction into two.

Indian PSPs

Payabbhi®; has revolutionized the payment processing landscape for PSPs and other key players in the value chain between merchants and payment processors in India. The solution has helped PSPs create custom solutions tailored to their business objectives to craft the ideal payment experience for their merchants.

Indian Acquiring Bank

RS Software has built the acquiring platform of a renowned commercial bank in India leveraging Payabbhi®. The capabilities include merchant boarding, underwriting, processor Integration, equipment management, merchant analytics, and card and ACH payments.

US Government-Focused Data Analytics Company

Payabbhi® was leveraged to build a comprehensive merchant acquiring platform for a leading U.S.-based data analytics company serving government agencies. The solution enables end-to-end payment operations, including merchant onboarding, order processing, card and eCheck payment processing, as well as transaction closing and settlement.

Numbers are the best testimony to our credentials

70%
70%

fall in the time to board merchants

>100
>100

merchants empowered by PSPs to provide payment acceptance, processing

3 mn
3 mn

transactions processed per month

$37 mn
$37 mn

worth transaction processed per month

Insights

October 30, 2025 Decades of Fintech Innovation - RS Software’s Journey in Shaping Global Payments

Real-time payments didn’t scale because of technology alone. They scaled because policy, in

November 28, 2024 Pay by Bank - The Future of Frictionless Payments

In an era of rapid digital transformation, the payment landscape demands innovation that is fast, se

October 23, 2024 Harnessing Embedded Payments

How are companies like Uber and Amazon using embedded payments to revolutionize customer experiences

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