Payment Gateway
A unified, multi-rail payment processing platform that connects banks, merchants, and payment networks through a single certified integration point.
One integration. Every payment rail in India.
Vurico Payment Gateway is a bank-grade, multi-rail payment processing platform purpose-built for the Indian financial ecosystem. It provides a single, certified integration point for UPI, IMPS, NEFT, RTGS, card networks, net banking, and wallets — eliminating the complexity of managing multiple payment integrations.
Deployed as a managed service or on-premise appliance, the gateway handles the full transaction lifecycle: authorisation, routing, settlement, reconciliation, and dispute management — with the security, compliance, and SLAs that banks and large merchants demand.
Every major Indian payment rail, unified
Full UPI 2.0 support — P2P, P2M, collect, mandate, and recurring. NPCI-certified integration.
24×7 instant interbank transfers. Supports P2A, P2P, and P2U transaction types with real-time confirmation.
Batch-based fund transfers with automated settlement cycle management and reconciliation.
High-value real-time gross settlement for transactions above ₹2 lakh. Straight-through processing with zero manual intervention.
Visa, Mastercard, RuPay, and Amex acquiring. 3D Secure 2.0, tokenisation, and EMI support.
Direct integration with 50+ Indian banks via verified net banking APIs. Real-time payment confirmation.
Paytm, PhonePe, Amazon Pay, and all RBI-licensed PPI wallets. Unified settlement across wallet providers.
Bharat Bill Payment System integration for utility, insurance, loan repayment, and subscription billing.
Enterprise features, production-ready
Intelligent Payment Routing
Dynamic routing engine selects the optimal payment rail and acquirer based on transaction type, amount, success rate, and cost. Automatic failover with zero transaction loss.
Smart RoutingTokenisation & Encryption
Network tokenisation for Visa, Mastercard, and RuPay. AES-256 encryption at rest, TLS 1.3 in transit. PAN vault with HSM-backed key management.
PCI DSS L1Automated Reconciliation
Real-time reconciliation against acquirer and network settlement files. Breaks and exceptions auto-classified with root-cause tagging. T+0 and T+1 settlement support.
T+0 SettlementAnalytics & Reporting
Real-time transaction dashboards, success rate analytics, revenue reporting, and custom MIS exports. Role-based access for finance, operations, and compliance teams.
Real-Time MISWebhook & Event Streaming
Guaranteed webhook delivery for all transaction events. Kafka-based event streaming for high-volume integrations. Retry logic with exponential backoff.
Guaranteed DeliveryDispute & Chargeback Management
Automated dispute lifecycle management across all rails. Pre-built response templates, evidence management, and regulator-ready audit trails.
Multi-Rail DisputesContractual SLAs, not aspirational targets
Contractual monthly uptime SLA. Measured at the API gateway layer, excluding scheduled maintenance windows (max 4 hours/month, off-peak only).
p99 end-to-end processing latency from API receipt to authorisation response. Measured continuously with 1-minute resolution.
P1 incident acknowledgement SLA with dedicated on-call engineering team. 24×7 NOC with escalation to senior engineers within 30 minutes.
Recovery Time Objective of 15 minutes with active-passive failover across geographically separated data centres. RPO of zero for all transaction data.
Flexible integration for every stack
OpenAPI 3.0 documented REST endpoints. JSON over HTTPS with OAuth 2.0 and mTLS. SDKs available for Java, Node.js, Python, and .NET.
- OpenAPI 3.0
- OAuth 2.0 + mTLS
- Java / Node / Python / .NET SDKs
PCI-compliant hosted payment page. Fully customisable UI with your brand. Reduces PCI scope for merchants to SAQ-A.
- SAQ-A PCI scope
- Custom branding
- Mobile-optimised
Native iOS and Android SDKs for in-app payment flows. Supports biometric authentication, device binding, and offline transaction queuing.
- iOS & Android
- Biometric auth
- Offline queue support
Certified for India's payment regulatory framework
PCI DSS Level 1 Certified
Annual QSA audit. Covers all gateway components including tokenisation vault, HSM infrastructure, and network segmentation.
RBI Payment Aggregator Guidelines
Fully compliant with RBI's PA/PG guidelines including merchant onboarding, escrow management, and data localisation requirements.
NPCI Multi-Rail Certification
Certified for UPI 2.0, IMPS, BBPS, and RuPay. Annual re-certification with NPCI's technical and compliance teams.
ISO 27001:2022 & SOC 2 Type II
Certified ISMS and SOC 2 Type II report covering security, availability, and confidentiality trust service criteria.
Powering payments across industries
Challenge
Fragmented payment infrastructure with separate integrations for each rail causing operational overhead and reconciliation failures.
Outcome
Unified gateway reduced integration points from 11 to 1. Reconciliation exceptions dropped by 94%. Ops team headcount reduced by 40%.
Challenge
High cart abandonment due to payment failures and limited payment method coverage during peak sale events.
Outcome
Payment success rate improved from 91.3% to 98.7%. 8 new payment methods added in 2 weeks. Zero downtime during Big Billion Day.
Challenge
Manual loan disbursement and repayment collection across NEFT, IMPS, and UPI with no unified reconciliation.
Outcome
Fully automated disbursement and collection. ₹2,400 Cr monthly volume processed with 99.96% success rate and T+0 reconciliation.
Ready to unify your payment infrastructure?
Our payment engineers will walk you through a live sandbox with all 12 payment rails active, failover scenarios, and a reconciliation demonstration.