Accept payments — reconcile automatically.
Manual reconciliation is bleeding hours from your ops team. We've already built and shipped multi-rail payment infrastructure — UPI, cards, net banking, wallets in one integration. Auto-reconciliation, T+1 settlement, dispute workflow, merchant dashboard. 50M+ transactions processed across our clients. Aggregator-ready. Your custom version: 2 weeks, fixed cost.
Built for teams shipping in production
Marketplaces
Multi-merchant payouts with split settlement and TDS handling.
D2C brands
Drop-in checkout with EMI, BNPL, and saved-card flows.
PA / PSPs
White-label aggregator stack with merchant onboarding + reconciliation.
Three engagement sizes. One fixed price.
Transparent, public pricing. Annual billing saves 17%. We absorb the cost of bad estimates — that's our problem, not your invoice.
- UPI (collect + intent)
- Cards (Visa/MC/RuPay/Amex)
- Net banking (50+ banks)
- Wallets (Paytm, PhonePe, etc.)
- EMI (cardless + card)
- BNPL integrations
- International payments
- Drop-in checkout SDK
- Webhook delivery
- iOS / Android SDK
- Auto-reconciliation
- T+1 / T+2 settlement
- Split settlement (marketplaces)
- TDS handling (Section 194-O)
- Dispute / chargeback workflow
- Merchant dashboard
- Subscription / recurring billing
- White-label gateway
- Monthly transaction volumeINR 50L
- MDR (UPI / cards)0% / 1.85%
Prices in USD. Approximate conversion. Final invoice in USD.
Pick the size that fits your stage
- UPI + cards + net banking + wallets
- Drop-in checkout SDK
- T+1 / T+2 settlement
- INR 5L monthly volume
- Standard MDR
- Everything in Starter
- EMI + BNPL
- Auto-reconciliation + split settlement + TDS
- Subscription billing
- Dispute workflow
- INR 50L monthly volume
- Everything in Growth
- International payments
- White-label gateway
- Custom MDR negotiation
- Unlimited volume + 99.99% SLA
- Dedicated payments manager
Live in 14 days
Discovery to production. We handle the heavy lifting; you focus on launch.
Onboarding
Merchant KYC, settlement bank account, MDR contract, and integration scope.
Integration
Checkout SDK or API integration in sandbox. Test transactions across all methods.
Go live
Production keys, first live transactions, and merchant dashboard handover.
Frequently Asked Questions
Our Scale tier ships with the architecture for PA workflows — merchant onboarding, KYC, settlement, reconciliation. Final RBI PA license is your responsibility; the technical infrastructure is built to PA standards.
Often paired with this module
Engineered for regulated industries
Active operational standards across every OpenMalo product. Documentation available on request.
Data minimization, consent management, and right-to-erasure baked into every module. Audit logs exportable to regulators.
Tell us what you're building.
Describe your problem with payments gateway. We'll respond in 24 hours with what we'd typically build, how long it'd take, and the fixed cost. No sales calls. No commitment.
- 30-minute walkthrough with a product expert
- Live module demo on your data, not a sandbox
- Pricing tailored to your volume + region
- No commitment, no follow-up spam
