Payments infrastructure for fintech platforms
You're building financial products, so your payment layer has to hold up to the same scrutiny you do — auditable, idempotent, reconciled, and with money moving both directions.
The problem
How payments actually hurt in fintech
Generic payment advice misses what's specific to your category. These are the failure modes we see most often here.
Money moves both ways, constantly
Collections and disbursals both matter, and running them through separate providers means two reconciliations that never quite agree.
Your auditors will ask
A flat transaction log isn't enough. You need a balanced ledger and an audit trail that survives a real examination.
Idempotency is not optional
In a financial product, a duplicate charge or double disbursal isn't a bug report — it's an incident.
Repayment collection fails quietly
Mandate-based collections that fail without a retry and dunning process turn into delinquency you created yourself.
What we do about it
How PayVizio is set up for fintech
Collections and payouts together
Money in and money out on the same platform and the same ledger — one reconciliation, not two systems arguing.
Double-entry ledger
Every payment, refund, settlement, payout, and adjustment posts to a balanced ledger with a full audit trail.
Idempotent by design
Every state-changing API takes an idempotency key. Retry after a timeout without risking a duplicate.
Mandates for repayment
UPI AutoPay and RBI-compliant card mandates with retry schedules and dunning built into the collection cycle.
Signed, replayable webhooks
HMAC-signed and idempotent, with a retry queue and dashboard replay so your state never silently diverges from ours.
Compliance posture
PCI-out-of-scope card flows, AES-GCM encrypted secrets, IP allow-listed keys, India data residency, and least-privilege access.
Run the numbers
What is this costing you today?
Three inputs, no form. If the number is uncomfortable, the written audit shows 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.
Find out what payments cost your fintech business
A free, written payment cost audit against your real numbers. No integration, no obligation.