Payments & Wallets

Scale Payments Without Scaling Risk

India processes 14 billion UPI transactions a month — and counting. If your payment stack cannot handle peak-hour surges, real-time fraud checks, and multi-rail routing in under 200ms, you are already behind. We build the orchestration layer that keeps you ahead.

99.97%
Uptime SLA
<180ms
Avg. Txn Latency
72%
Fraud Reduction
Industry Challenges

Payment Pain Points at Scale

Growing transaction volumes expose cracks in payment infrastructure that worked fine at lower scale.

Peak-Hour Failures

Salary-day and festive spikes cause timeout cascades when your payment gateway cannot auto-scale or intelligently route across acquirers.

🕵️

Fraud at Machine Speed

Rule-based fraud engines miss new attack patterns. By the time you write a new rule, fraudsters have already moved on to the next vector.

🔀

Multi-Rail Complexity

UPI, IMPS, NEFT, cards, wallets, BNPL — each rail has its own API, error codes, and settlement cycle. Stitching them together is a full-time job.

💰

Reconciliation Nightmares

When a single day generates 2 million transactions across 4 acquirers, matching settlements to orders without automation is impossible.

📜

PCI-DSS Burden

Maintaining PCI-DSS Level 1 compliance in-house requires dedicated security staff, quarterly scans, and annual on-site audits.

📱

Wallet Lifecycle Gaps

Issuing, loading, KYC upgrades, dormancy management, and refund-to-wallet flows each involve different systems and manual hand-offs.

Want to see 99.97% uptime in action?

Schedule a live demo with real transaction loads and see how our orchestration engine handles peak traffic.

Platform Performance

Numbers That Move the Needle

Metrics from payment platforms processing 50M+ transactions per month on our infrastructure.

99.97%
Uptime
<180ms
Avg. Latency
72%
Fraud Reduction
₹4.8Cr
Saved in Chargebacks/Yr
Impact Metrics

Impact by Area

Where payment companies see the fastest return after deploying our platform.

72%
Fraud Losses Down
ML-based scoring catches synthetic identity fraud, card testing, and account takeover attempts that rules miss.
3.2%
Higher Auth Rates
Smart routing sends each transaction to the acquirer most likely to approve it based on BIN, amount, and time of day.
85%
Faster Reconciliation
Automated matching reduces the T+1 reconciliation effort from 4 hours to under 40 minutes.
Compliance & Regulations

Payment Security Standards

Handling money means handling trust — here is how we protect both.

💳
PCI-DSS Level 1
Full cardholder-data protection with network tokenization, point-to-point encryption, and quarterly ASV scans.
🛡️
SOC 2 Type II
Independent audit of security controls covering infrastructure, application, and operational processes.
🏛️
RBI PA/PG Guidelines
Full compliance with RBI Payment Aggregator and Payment Gateway regulations including escrow and settlement norms.
📋
NPCI Certification
UPI and NACH integrations certified by NPCI with production-grade test results and uptime commitments.
Why OpenMalo

Why Payment Companies Pick Us

We have processed billions in transaction volume — here is what we have learned.

Sub-200ms Latency
Our orchestration engine is built on event-driven architecture with in-memory caching — no request waits in a queue.
🇮🇳
UPI-First Design
Built for Indian payment rails from day one — not a card-centric system with UPI bolted on as an afterthought.
📈
Auto-Scaling Infra
Kubernetes-based deployment auto-scales horizontally during salary-day and festive-season spikes.
🔌
30+ Acquirer Connectors
Pre-built integrations with Razorpay, PayU, Cashfree, HDFC, ICICI, Axis, and more — go live in days, not months.
🔍
Real-Time Observability
Transaction-level tracing, success-rate dashboards, and anomaly alerts so you know the instant something drifts.
🤝
Revenue-Aligned Pricing
We charge per successful transaction — our incentives are aligned with your payment success rates.
Get Started

Get Your Payment Stack Audit

Share your current payment flow and we will identify quick wins for latency, auth rates, and fraud reduction.

Free payment-flow architecture review
Fraud-risk assessment with sample scoring
Auth-rate optimization recommendations
PCI-DSS compliance gap analysis
No obligation — cancel anytime
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Featured Case Study

Case Study

FinTech Payment Aggregator

How a PA Reduced Fraud by 72% in 90 Days

A fast-growing payment aggregator processing 8M transactions per month was bleeding ₹1.2Cr monthly in fraud losses. Their rule-based engine could not keep up with evolving card-testing and synthetic-identity attacks.

72%
Fraud Reduction
3.2%
Auth Rate Improvement
₹4.8Cr
Annual Savings
The Challenge

The Problem

The aggregator relied on static rules for fraud detection and manual reconciliation across 6 acquirer partners:

Rule-based fraud engine had a 12% false-positive rate, blocking legitimate transactions
Card-testing attacks were detected only after settlement, making recovery impossible
Reconciliation across 6 acquirers took a 4-person team the entire morning
PCI-DSS audit prep consumed 3 weeks of engineering time every quarter

Our Approach: We deployed our AI Fraud Sentinel for real-time ML scoring on every transaction, built smart routing logic that improved auth rates by sending each transaction to the optimal acquirer, automated multi-acquirer reconciliation with RPA bots, and implemented a PCI-DSS compliance suite that keeps the aggregator audit-ready year-round. Total deployment: 12 weeks.

Read Full Case Study
Client Stories

What Our Clients Say

Fraud losses dropped from ₹1.2Cr to ₹34L per month within 90 days. The ML model catches patterns our rules never could.

PS
Priya Sharma
VP Risk, Payment Aggregator

Our auth rate went from 91.8% to 95% overnight just from smart routing. That 3% is worth crores in recovered revenue.

KP
Karan Patel
CTO, Digital Wallet

Reconciliation used to take 4 people half the day. Now the bots finish by 7 AM and my team focuses on growth initiatives.

DN
Deepa Nair
Head of Ops, Payment Gateway
FAQ

Frequently Asked Questions

UPI (collect and intent), credit/debit cards (Visa, Mastercard, RuPay), net banking, NEFT, RTGS, IMPS, NACH, wallets (Paytm, PhonePe, Amazon Pay), and BNPL providers (LazyPay, Simpl, ZestMoney).