Increase your payment profits without increasing your sales.
You're already generating the revenue. PayVizio cuts what it costs you to collect it — lower MDR through direct banking relationships, fewer failed payments, and faster settlements.
Free audit · No integration required · If we can't reduce your cost, we'll say so.
Secure checkout
₹4,999.00
Effective MDR
1.70%
vs 1.95% before
Settlement
T+1
On-demand available
Recovered
+1.5%
Failover & retries
The opportunity
The easiest profit you'll ever make is the money you stop giving away
Growing revenue is hard, slow, and expensive. Reducing what each rupee of that revenue costs to collect is none of those things — and it lands on the same bottom line.
Recovered from your cost line
Most merchants are on a rate card they signed at a lower volume tier and never revisited. We route each transaction through the cheapest eligible acquirer — the saving lands straight in your P&L, not in a feature list.
Revenue you already earned
A degraded bank rail doesn't announce itself; it shows up as a slightly worse conversion rate. Live failover and smart retries recover the attempts a single provider quietly writes off.
Working capital back in your account
Every extra day in the settlement cycle is cash you financed instead of your provider. Faster cycles turn a payments line item into working capital you can actually deploy.
Run the numbers
What is your current setup actually costing you?
Three inputs. No form, no email, no wait. If the number bothers you, the written audit tells you exactly where it's going.
Your numbers
What that is costing you
Avoidable payment cost, per year
₹6.00 L
₹50K a month — modelled at an effective 1.70% versus your 1.95%.
₹6.67 L
Working capital unlocked by moving 1 day earlier
₹36.00 L
Annual GMV recovered at a 1.5% authorisation uplift
Indicative model, not a quote. It assumes a 0.25% improvement on your effective MDR, T+1 settlement, and a 1.5% authorisation uplift from failover and retries. Your actual numbers depend on business category, payment mix, and volume — the audit works them out from your real statements.
Side by side
A traditional payment gateway versus a profit optimization layer
Every provider on this list processes payments competently. The difference is whether anyone is actively working to make each transaction cost you less.
| Traditional payment gateway | PayVizio | |
|---|---|---|
| Routing | One gateway, one path | Multiple routing options, cheapest eligible route per transaction |
| MDR | Standard rate card, fixed at signup | Lower MDR through direct banking relationships |
| Outages | Single point of failure | Backup routing with automatic failover |
| Rate negotiation | You negotiate, annually, alone | We negotiate on your behalf, continuously |
| Support | Generic ticket queue | Dedicated account manager |
| Switching | Re-integration project | Free migration, no setup fee, no downtime |
Who this is for
Built for businesses where 0.1% is real money
Above roughly ₹50 lakh a month, a fraction of a percentage point on MDR is a hire, a campaign, or a quarter of runway. That's who we work with.
Already on Razorpay, Cashfree, or PayU? Good — you know what you're paying and why it matters. Those are the conversations that go fastest, because we're comparing two real rate cards instead of explaining what a payment gateway is.
Switching
We removed every reason not to try
Changing payment providers is usually an engineering project nobody wants to own. We made it ours instead of yours.
Free migration
Our team does the integration work. You're not paying an engineer to move payment providers.
No setup or integration cost
No onboarding fee, no annual maintenance, no platform minimum to sign.
No downtime
We run in parallel with your existing provider and shift volume gradually — your checkout never goes dark.
Dedicated onboarding
A named account manager through migration and after it, not a shared support inbox.
Our guarantee
If the audit shows we can't reduce your payment cost, we'll tell you to stay where you are. You keep the analysis either way.
Beyond MDR
The saving gets you in. The infrastructure keeps you.
Lower cost is the reason merchants take the first call. What they stay for is having collections, routing, settlement, payouts, analytics, and reconciliation run by one partner instead of five.
Online payment acceptance
UPI Intent, Collect and QR, domestic and international cards, net banking across all major banks, and popular wallets — on one integration.
Lower MDR pricing
Transparent per-method pricing with no setup or annual maintenance fee. Volume-based slabs and custom enterprise rates for high-GMV merchants.
Success-rate optimisation
Rail-level health monitoring, automatic failover, retry logic, and downtime alerts — so bank outages cost you attempts, not revenue.
Hosted checkout & payment links
A conversion-tuned, mobile-first checkout you don't build, plus shareable payment links and QR for invoicing and remote collection.
Subscriptions & mandates
Recurring collections over UPI AutoPay and card mandates, with retry schedules, dunning, and lifecycle webhooks.
Settlements & payouts
Standard and on-demand settlement cycles to your bank, plus outbound payouts to vendors, partners, and customers over IMPS, NEFT, RTGS, and UPI.
Commercials
Pricing that gets cheaper as you grow
No setup fee, no annual maintenance, and an effective MDR that improves as we route more of your volume to the acquirer quoting the best rate for it.
Setup fee
₹0
No onboarding or integration charge
Annual maintenance
₹0
No platform or AMC lock-in
MDR
Rate-shopped
Cheapest eligible acquirer, per transaction
Settlement
T+1 standard
On-demand settlement available
Final MDR depends on your business category, payment mix, and volume. Share your current rates and we'll quote against them.
Platform
Everything you'd otherwise stitch together yourself
One platform for acceptance, checkout, recurring, reconciliation, settlement, payouts, refunds, webhooks, and risk.
Hosted checkout
PayVizio-branded page with UPI Intent/Collect/QR, cards, netbanking, wallets. Mobile-first and conversion-tuned.
Payment links & QR
Collect without code — shareable links, dynamic QR, and invoices over WhatsApp, SMS, or email.
Subscriptions & mandates
UPI AutoPay and card mandates with retry schedules, dunning, and full lifecycle webhooks.
Success-rate engine
Live rail health scoring, automatic failover on degradation, and smart retries to recover attempts a single gateway drops.
Multi-acquirer routing
Weighted splits, rules on BIN, geography, amount band, or method — the engine behind lower MDR and higher SR.
Reconciliation engine
Parses every settlement file, matches against the ledger, flags discrepancies, auto-adjusts what's safe.
Settlements & payouts
Standard and on-demand settlement with gross / refund / chargeback / MDR / GST / TDS breakdown. Outbound payouts over IMPS, NEFT, RTGS, UPI.
Refunds & chargebacks
Idempotent partial or full refunds. Full chargeback lifecycle with evidence upload and deadline tracking.
Signed webhooks
HMAC-SHA256 signed, idempotent (Redis + DB), retry queue, per-merchant URLs, replay from dashboard.
Risk & fraud rules
Velocity rules, BIN and geo intelligence, ML scorer hook. Configurable per merchant.
Dashboard & reporting
Transactions, settlements, refunds, and MDR breakdowns in one console, with exports your finance team can close books on.
Sandbox parity
`pvz_test_*` keys hit the same gateway as live. Test mode is isolated and toggled in one click.
How it works
From integration to settled funds in four steps
Integrate once
Drop in our SDK, plugin, or REST API — or start with payment links and skip the integration entirely.
Customer pays
Customer hits your checkout — UPI Intent, Collect, QR, cards, netbanking, or wallets — on a PayVizio-branded page.
Routed for cost & success
Each transaction goes down the cheapest healthy rail, with failover and retries if it degrades mid-flight.
Settled & reconciled
Funds settle to your bank on your cycle. Reconciliation runs automatically. Webhooks fire signed events.
Merchant onboarding
One onboarding. Live on every rail.
Stop repeating applications, KYC, and integrations for each provider. We handle acquirer applications and MID setup for you, behind a single integration — so you go live faster, everywhere.
Apply once
Share your business details and KYC a single time through guided onboarding — no repeating it for each gateway.
We provision acquirers
We help submit and track your applications across acquirers and assist with MID setup and underwriting.
Integrate once
Drop in the SDK or REST API a single time. Every acquirer you connect is reachable through the same integration.
Go live everywhere
Activate across every approved acquirer with smart routing and failover switched on from day one.
Payment methods
Every method your Indian customer expects
Card data never touches PayVizio — card flows redirect to the acquirer's hosted page. UPI, netbanking, and wallets are intent or redirect-based.
UPI Intent
Deep-link to UPI app
UPI Collect
VPA entry, polled
UPI QR
Dynamic QR, terminal status
Cards
Redirected to acquirer page
Net Banking
Bank picker + redirect
Wallets
Major UPI-linked wallets
Coverage
One integration. Every rail your customers use.
Connect once and accept across cards, UPI, net banking, and wallets. Adding a new acquirer or rate to the mix is a dashboard change, never a code release.
Built for developers
Modern DX, India-payment depth.
REST API with an OpenAPI spec, SDKs for every major runtime, signed and replayable webhooks, and a sandbox that hits the same gateway as live.
Plugins for Shopify and WooCommerce. Payment Links for no-code checkout.
// One integration, every payment method
import { Payvizio } from "@payvizio/node";
const pv = new Payvizio({ apiKey: process.env.PVZ_SECRET });
const order = await pv.orders.create({
amount: 49900, // ₹499.00 in paise
currency: "INR",
customer: { email: "buyer@example.com" },
// routing handled server-side via your rules
});
// Redirect customer to the hosted checkout
return Response.redirect(order.checkout_url);Security & compliance
RBI-aligned, India-resident, PCI out-of-scope by design
Card data never touches PayVizio. Secrets are AES-GCM encrypted at rest (KMS-pluggable), API keys carry IP allow-lists, state-changing calls are HMAC-signed, and access follows least-privilege IAM with full audit trails.
Standards we align to
PCI-DSS
Redirect flows — merchant out of scope
RBI
Tokenization-ready posture
Security program
Encryption, IAM, audit logging
Privacy
India residency & DPDP-aware practices
We describe alignment and controls here; formal certifications and attestations are disclosed only when issued and current.
FAQ
The questions teams ask before switching
Quick answers below — browse the full FAQ for integration detail, webhooks, reconciliation, and more.
How does PayVizio give me a lower MDR?+
A single-acquirer gateway quotes you one rate card that applies to every transaction. We hold rates with multiple acquirers and send each transaction to the cheapest one eligible for it — by payment method, card BIN and network, and amount band. The result is a blended effective MDR below any single quote, with volume slabs applied automatically and no setup or annual maintenance fee. Final pricing depends on your business category, payment mix, and monthly volume.
How do you improve my success rate?+
Acquirers and bank rails are scored continuously on authorization rate, error rate, and latency. When a rail degrades, its circuit opens and traffic fails over to the next healthy acquirer instead of returning a failed payment. Soft declines and timeouts get idempotent retries with backoff, banks that are down are de-prioritized in the checkout ordering, and you get authorization-rate reporting broken down by method, bank, acquirer, and BIN.
Which payment methods can I accept?+
UPI (Intent, Collect, and QR, plus UPI AutoPay for recurring), domestic and international cards across major networks, net banking with all major Indian banks, and popular wallets. You can also collect without a checkout integration using payment links, invoices, and dynamic QR.
When do funds settle to my bank?+
Settlement cadence follows each acquirer's cycle and your agreement with them; PayVizio surfaces gross amounts, fees, refunds, chargebacks, and tax components in reporting. Standard settlement is typically on a daily reconciliation cycle with downloadable breakdowns. Instant or on-demand settlement may be available where supported — fees and eligibility vary.
Do I need PCI-DSS certification to use PayVizio?+
For standard redirect and hosted flows, card data does not touch your servers or PayVizio's servers in a way that expands PCI scope like raw PAN entry on your domain would. UPI, netbanking, and wallets follow redirect or app intent patterns. Your acquirer remains responsible for card authorization UI where applicable; always confirm scope with your QSA for your exact integration pattern.
How is pricing structured?+
Pricing is generally a platform fee per successful transaction on top of acquirer MDR, with tiers that improve at volume. There is typically no large upfront setup fee for standard integrations. Exact quotes depend on your payment mix, volumes, and support tier — see our payment gateway page for public anchors or request a demo for a tailored proposal.
Explore
Payment Gateway & Habit Money
Gateway partnerships
TSP-ready platform for payment gateways
Merchant Dashboard, API documentation, and custom checkout are live — built for technology service provider integrations with gateways and acquirers.
Devstudio
A developer portal for the PayVizio platform
API docs, integration recipes, and live platform health — built for the engineers integrating PayVizio into production.
AI-powered search across every guide and reference
Ask in plain English — "how do I capture a partial refund?" — and Devstudio surfaces the right endpoint, code sample, and webhook signature.
Real-time API health
All systems operationalPayments API
ap-south-1
112 msSettlement Ledger
ap-south-1
89 msWebhooks Delivery
ap-south-1
143 msRouting Engine
multi-region
47 ms
Technology & Infrastructure
Designed for scale and reliability
Microservices, event-driven processing, and a consistent ledger model. Built to run on Kubernetes with managed databases and message queues.
Built on Cloud Infrastructure
GCP-native for production workloads
Kubernetes, managed databases, pub/sub, and caching — the same stack that runs our payment and consumer products.
GKE
Kubernetes cluster for containerized microservices
Cloud SQL
Managed PostgreSQL for transactional and reporting data
Pub/Sub
Event streaming and async processing
Redis
Caching, rate limiting, and session state
Platform Roadmap
What's coming next on the PayVizio platform
Five expansion areas targeting the white-space in Indian and cross-border payments — each designed to plug directly into the gateway core.
White-Label Infrastructure
Build branded payment platforms on PayVizio rails
A white-label canvas for fintechs, retail conglomerates, and SaaS platforms to launch their own payment products on PayVizio's backend.
- Unified API across PSPs under your brand
- Co-branded merchant dashboards
- Tenant isolation & per-brand routing
Cross-Border & FX
Local currency accounts for Indian exporters
USD, GBP, EUR collection accounts so exporters and marketplaces receive funds without heavy FX markups, with FIRA-grade documentation.
- Multi-currency virtual accounts
- Transparent FX with mid-market spreads
- Instant settlement certificates
Embedded B2B Finance
Payouts inside ERPs like Tally and SAP
Native integrations with 1,000+ ERPs to automate vendor payouts and bill reconciliation inside the finance team's existing software — no CSVs.
- Bill-Connect for AP automation
- Auto-reconciled vendor payouts
- Two-way sync with ledger systems
Sonic Checkout
Passkey 1-click & success-rate aware nudging
Biometric authentication and real-time smart nudging that surfaces the payment method currently showing the highest success rate.
- FaceID / TouchID Passkey auth
- Live success-rate ranking per method
- 1-click pay across devices
Enterprise Control Center
One view across regions, segments, and gateways
A unified dashboard that gives finance, ops, and risk teams a single view of commerce — designed to cut reconciliation effort by 70%+.
- Cross-gateway transaction view
- Region and segment drill-downs
- Anomaly alerts and audit trails
Find out what you're giving away
A free, written payment cost audit. No integration, no obligation — and if we can't reduce your cost, we'll tell you to stay where you are.