TL;DR
Amity Online, India's first UGC-approved online university, processes fee payments for over 200,000 students across a mix of online payment methods, manual demand drafts, and loans from multiple third-party lenders. Each payment path ran through a separate system, so students switched between disconnected interfaces to pay fees or apply for financing, and the finance team reconciled settlement data across gateways and lenders by hand.
Juspay deployed a unified orchestration layer across checkout, lending, and reconciliation. Hyper Checkout consolidated cards, UPI, net banking, EMI, and instant loans into a single payment interface across web and mobile. HyperCredit aggregated multiple lenders behind one eligibility-based recommendation engine, cutting rejection rates and approval times. Unified Reconciliation automated settlement matching across payment partners, and Unified Analytics gave the finance team a single view across gateways, lenders, and offers.
| What Amity Needed | What Juspay Delivered |
| One payment interface across gateways, DDs, and loans | Hyper Checkout unifying cards, UPI, net banking, EMI, and instant loans in one SDK |
| Faster, more reliable loan approvals across lenders | HyperCredit's eligibility-based lender recommendation engine with instant re-attempts |
| Lower manual effort in settlement matching | Unified Reconciliation automating cross-partner settlement data matching |
| Consolidated visibility into payments, lending, and offers | Unified Analytics and integrated offer management across discounts and promotions |
Products Used
- HyperCredit (Loan Marketplace)
- Hyper Checkout
- Intelligent Payment Orchestration
- Unified Reconciliation
- Unified Analytics
Amity Online runs enrollment as a single flow — students enter their details, select a course, choose a fee structure, and pay — but the payment step itself was split across three disconnected systems. Online payments (UPI, EMI, cards, bank transfers) ran through a third-party gateway. Demand drafts required manual processing outside any digital system. Loans came from multiple lenders, each with a separate application portal and no shared eligibility logic.
Amity was also onboarding an additional payment gateway to widen its payment method coverage, which added a second orchestration surface without a unifying interface. Students moved between systems to complete a single fee payment, and loan applicants who failed eligibility checks with one lender had no automated path to a better-matched alternative — each rejection meant restarting the process manually with a different provider.
On the operations side, the finance team reconciled settlement data across every gateway and lender independently, and tracked discount codes, bank promotions, and coupon redemptions without a central system. This is a common failure mode in multi-lender, multi-gateway fee collection: each new payment partner adds an isolated data source rather than a shared one, and reconciliation overhead compounds with every partner added.
"We collaborated with Juspay to streamline our affordability offerings and integrate payment orchestration. Juspay's Hypercredit exemplifies excellence in managing the payment processes, significantly reducing offline efforts, decreasing turnaround times, and boosting approval rates for our affordability solutions. Juspay has proven to be an exceptional partner, effectively addressing our large-scale challenges and offering robust support."
Consolidating Checkout with Hyper Checkout
Juspay's Hyper SDK gave Amity a single payment page across web and mobile, replacing the redirect-based flow across its gateway, DD process, and lender portals. Cards, UPI, net banking, EMI, and instant loans became options within one interface rather than separate destinations.
The configurable payment page let Amity control the order in which payment options appear — surfacing EMI ahead of other methods for high-ticket course fees, where affordability options materially affect completion. Real-time alerts on payment methods with declining success rates let the team react to degradation before it affected a meaningful share of transactions, and retry logic on failed transactions recovered volume that would otherwise have dropped off at the point of failure.
Reducing Loan Rejections with HyperCredit
Multi-lender fee financing typically fails at the eligibility-matching step: a student applies to one lender, gets rejected, and has to manually restart with another, with no system carrying forward what was already known about their eligibility. HyperCredit removes that restart cost by aggregating all lenders under one entry point and matching students to lenders based on eligibility criteria before submission, rather than after rejection.
When a first attempt fails, HyperCredit triggers an instant re-attempt with an alternate lender instead of ending the flow, and it gives Amity real-time visibility into loan status across all partners from one dashboard rather than per-lender portals. This combination — eligibility-based routing plus automatic re-attempts — is what shortens loan approval times, since fewer applications dead-end at a single lender's rejection.
Automating Reconciliation and Offer Management
Settlement data from a third-party gateway, a DD process, and multiple lenders each arrives in a different format and on a different schedule, which is why manual reconciliation scales poorly as partners are added. Juspay's reconciliation module automates the matching of settlement data across all of Amity's payment partners, removing the manual cross-referencing that previously fell to the finance team.
Offer management was consolidated the same way: discount codes, bank-specific promotions, and lender promotions are now configured and tracked within the same platform, with reporting and reconciliation of applied discounts handled centrally instead of per-campaign.
Outcomes
- Improved payment success rates through configurable checkout ordering and retry logic on failed transactions
- Faster loan approvals through eligibility-based lender matching and instant re-attempts with alternate lenders
- Reduced manual effort in reconciliation through automated settlement matching across gateways and lenders
- Improved student satisfaction from a single consistent payment interface across web and mobile, replacing cross-portal redirects
Looking Ahead
As Amity continues to add payment gateways and lending partners to widen affordability options for its 200,000+ students, the same orchestration layer absorbs each new partner without adding a new isolated system for students or the finance team to manage. The underlying pattern — one interface across payment methods, eligibility-based routing across lenders, and automated reconciliation across partners — scales with additional partners rather than being re-built for each one.
