Modern Payments Infrastructure for Global Payment Providers

A cloud-native, modular platform that powers end-to-end merchant acquiring, enabling banks and non-bank acquirers to modernise legacy infrastructure, launch new capabilities faster, and scale with confidence

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Partner Spotlight

HSBC

Powering HSBC's full-stack acquiring solution for global merchants, delivering higher payment success rates and uncompromising reliability

HDFC

Powering HDFC Bank's SmartGateway platform, delivering unified payment acceptance and seamless checkout for businesses across India

Juspay Infrastructure,

by the numbers

50,000

Peak transactions per second

300 Mn+

Daily transactions across the platform

99.999%

Uptime

<100ms

Payment latency

Full-stack power. Modular flexibility. Self-serve control

Gateway and Orchestration

Accept every payment method, power branded checkout experiences, and route every transaction securely with intelligent orchestration.

  • Omnichannel Payment Acceptance

    Accept every major payment method through a single integration, across online, in-store, and mobile channels.

  • Checkout Experience

    Power seamless checkout experiences through hosted payment pages and payment links, under your brand.

  • Intelligent Routing

    Route every transaction through the optimal path to lift approval rates and lower processing costs.

  • Fraud and Risk Management

    Reduce fraud losses using AI-powered fraud detection and configurable rule-based risk controls.

  • Recurring Payments

    Maximise subscription revenue with smart retry logic, automated credential updates, and end-to-end mandate lifecycle management.

Authentication

Deliver seamless authentication that adapts to region-specific regulations and consumer behaviours globally.

  • Adaptive 3DS

    Lift approval rates with EMV 3DS 2.x standards that intelligently switch between frictionless and challenge flows based on risk signals.

  • Click To Pay

    Eliminate manual card entry with the EMVCo Click To Pay standard, supported across all major networks.

  • Network Passkeys

    Replace passwords with FIDO-based authentication for cryptographically secure, phishing-resistant checkout.

  • 1–Click Payments

    Enable returning customers to complete checkout in a single click using tokenised credentials.

  • Bank App Authentication

    Authenticate through the mobile banking app with biometric or in-app confirmation.

Merchant Billing

Support any merchant pricing model, with hierarchical billing, automated FX and tax, and complete transparency at the transaction level.

  • Flexible Merchant Pricing

    Support flexible pricing models tailored to every merchant, from MDR and blended pricing to IC++ and fully bespoke structures.

  • Hierarchical Billing

    Allocate and calculate fees at any level, from individual MIDs to corporate parents and portfolio groupings.

  • Automated FX and Tax Calculations

    Improve billing accuracy across markets and currencies by automatically applying configurable FX and tax rates.

  • Full Billing Transparency

    Track fees at the transaction level with complete audit traceability.

Authorisation

Lift approval rates with direct scheme connectivity, AI-assisted network intelligence, and centralised control.

  • Direct Network Connectivity

    Lift approval rates and reduce technical declines by eliminating intermediary hops and maintaining compliance with scheme rule changes.

  • Built-in Network Intelligence

    Apply AI-assisted network rules, retry logic, and approval optimisation across every channel.

  • Centralised Control

    Manage routing rules, network preferences, and authorisation events from a single platform.

  • Seamless Legacy Integration

    Route new traffic through a modern platform while preserving existing integrations.

Network Fee Billing

Gain full visibility into every network fee in real time with an AI-powered system that optimises processing costs.

  • Real-Time Fee Calculation

    Gain full visibility into interchange and scheme fees in real time using network-specific rules and FX rates.

  • Automated Fee Management

    Reduce manual effort with an AI-powered system that automatically ingests and applies the latest network pricing updates.

  • Built-in Fee Optimisation

    Reduce processing costs and protect margins by identifying the most cost-effective fee qualification paths.

Clearing

Process clearing events with direct network connectivity and AI-assisted interchange qualification, via a single platform and flexible integration.

  • Direct Network Connectivity

    Process clearing events faster and more reliably through direct connectivity to major networks.

  • Centralised Clearing Control

    Manage authorisation matching, clearing events, and network processing from a single platform.

  • Built-in Payment Network Intelligence

    Maximise interchange qualification with AI-assisted network rules.

  • Flexible Integration

    Modernise clearing operations without disrupting existing authorisation systems by consuming events from Juspay or third-party platforms.

Settlement

Settle funds with merchants across markets and currencies, with flexible settlement models, automated payout calculations, and real-time transaction visibility.

  • Flexible Settlement

    Support gross, net, hybrid, or bespoke settlement structures for every merchant model.

  • Automated Payout Calculations

    Streamline settlement operations by automatically calculating funding, collections, commissions, and merchant payouts.

  • Built-in FX Management

    Improve settlement accuracy across markets by automatically applying configurable FX rates and client-specific margins.

  • Real-Time Transaction Visibility

    See funded, collected, and outstanding balances in real time for full financial control.

Reconciliation

Reconcile payment events end to end with complete settlement visibility, profitability insights, and ledger-ready reporting.

  • Accurate Payment Reconciliation

    Reconcile network, billing, clearing, and settlement events with complete traceability.

  • Settlement Visibility & Control

    Ensure accurate receivables by validating settlement outcomes against expected values and identifying discrepancies early.

  • Built-in Profitability Insights

    Gain visibility into profitability and cost allocation by tracking fees, FX costs, and settlement outcomes for every transaction.

  • General Ledger–Ready Reporting

    Accelerate financial reporting by generating reconciliation files and accounting outputs that integrate directly with financial systems.

Merchant onboarding

and lifecycle management

Grow your client base without scaling operations. Reduce cost-to-serve, give every merchant a self-serve payments portal, and manage the entire merchant lifecycle from a single command centre

Faster merchant onboarding

Onboard merchants in days instead of weeks with AI-powered identity verification, KYB checks, risk scoring, and automated account provisioning

Lower cost-to-serve

Reduce operational cost per merchant by automating onboarding, configuration, and routine merchant support workflows

Centralised merchant management

Manage every merchant's configuration, status, and hierarchy from a single command centre, replacing fragmented tools and spreadsheets with one source of truth.

Self-serve merchant portal

Give merchants a branded portal to configure payments, view transaction-level insights, and access reporting — reducing support volume and operational effort.

Three pillars.

One platform

Modern Infrastructure

Modernise the entire payment lifecycle with a cloud-native, modular and composable platform, from acceptance to reconciliation

Trusted at Scale

Operate with confidence on infrastructure that delivers 99.999% uptime, enterprise-grade security, and the compliance required by leading banks, merchant acquirers, and payment providers.

Speed to Market

Launch new payment methods, deliver seamless checkout experiences, and onboard merchants faster with self-serve capabilities.

The most versatile

white-label payments stack

A complete payments stack spanning orchestration, processing, control, and operations, deployable under your bank's brand

Orchestration

  • 300+ Payment Methods & PSP Integrations
  • Checkout Experience
  • Intelligent Routing
  • 3DS and Authentication
  • Tokenisation
  • Fraud & Risk Management
  • Offers Engine
  • POS Acceptance

Smart Processing

  • On-Us/Off-Us Processing
  • Subscriptions
  • Cross-Border Payments
  • Local Acquiring
  • Multi-currency Payouts

Control

  • Merchant Dashboard
  • Real-time Alerts
  • Payment Insights
  • Transaction Monitoring

Operations

  • Unified Reconciliations
  • Analytics & Reporting
  • Settlement
  • Disputes & Chargebacks
  • Merchant & Bank Support

Frequently Asked Questions

Juspay provides banks with modern payment acceptance infrastructure including payment gateway services, fraud and risk management, tokenization, reconciliation and settlements, dispute management, checkout experiences, KYC onboarding, and control center analytics.

Juspay supports Click to Pay, Adaptive 3DS, Paze wallet, Apple Pay, Google Pay, Payment Passkeys, and Bank App Authentication including out-of-band flows, passkey-based authentication, and TOTP-based authentication.

Juspay provides real-time fraud detection through a customizable rules engine, risk assessment for each transaction, advanced machine learning models, 3DS integration, end-to-end encryption, and comprehensive application and process security measures.

Juspay enables banks to manage merchant onboarding with MID and MCC generation, merchant network registration, complete KYC via dashboard, merchant configurations, pricing, and reporting through a centralized dashboard.

Juspay offers 99.999% reliability, supports 50,000 transactions per second, processes over 300 million transactions daily, and maintains payment latency under 100ms with five 9s availability.

Banks can offer major card schemes, alternate payment methods, bank transfers, and real-time payments with seamless global payment method coverage and support for 300+ local payment methods.

Juspay maintains PCI DSS V4 compliance, PSD2 compliance, ISO 27001:2022 certification, SOC 2 Type 2, and GDPR compliance, with bank-grade security including API authentication, encryption, session management, and audit trails.