momentPay Acquiring
A standardised software platform that takes an acquiring business from merchant onboarding to settlement — pre-built modules, ready network integrations, and a staged path from first transaction to enterprise scale.
Quick go-to-market
Pre-built modules and network integrations replace a multi-month integration project.
Secure & compliant
PCI-ready controls, tokenization and HSM-backed key management from day one.
Flexible & modular
Enable only the capability you need, and add more without migration or downtime.
Scalable & reliable
Built on the same switch core that carries 25,500+ TPS with sub-15ms authorization response.
Grow as your business grows
Start with what you need today. Add new capability tomorrow without replacing your platform or disrupting operations — shared merchant data, one settlement engine, common APIs.
Launch & accept
Core payment acceptance to start your journey.
- Merchant onboarding
- Payment gateway
- Acquiring & routing
- Multi-currency settlement
- Terminal management
- Reporting & reconciliation
Scale & optimise
Expand channels, improve experience and efficiency.
- QR & Soundbox
- eCommerce & payment links
- Mobile app / SoftPOS
- Advanced analytics
- Dispute management
- Value-added services
Transform & lead
Unlock new revenue streams and business models.
- AI fraud & risk management
- Cross-border payments
- Open finance APIs
- Merchant lending (BNPL)
- Loyalty & rewards
- Marketplace payments & payouts
Modular by design
Enable only what you need. Expand when you are ready.
Built on one platform
Shared merchant data, settlement engine, security and APIs.
Zero disruption
Add capability without migration, replatforming or downtime.
Pay for value
Flexible licensing aligned to usage rather than fixed tiers.
Every channel a merchant sells through
Card-present and card-not-present traffic build the same internal transaction record and run through the same authorization, persistence and reversal pipeline. Only how a transaction is captured and dispatched differs.
- Physical POS terminals and card readers over ISO 8583
- Merchant billing systems through momentPay Collect, with no change to their software
- Hosted payment pages called from a merchant checkout over REST
- QR scanners and merchant apps on the UPI QR standard
- Mobile and web applications over REST APIs
- ATM cash withdrawal and balance inquiry
| Channel | Protocol | Typical source |
|---|---|---|
| POS terminals | ISO 8583 | In-store card-present transactions |
| ATMs | ISO 8583 | Cash withdrawal and balance inquiry |
| QR / merchant apps | UPI QR standard | Contactless in-store or online |
| Mobile apps | REST / JSON | Consumer-initiated digital payments |
| Web applications | REST APIs | E-commerce and online checkout |
Designed for diverse merchant portfolios
From single stores to enterprise chains, franchises, aggregators and banks — one platform supporting every business model on your book.
A proven implementation journey
A repeatable methodology designed for predictable delivery, with momentPay implementation specialists working alongside your team from kickoff through hypercare.
| Stage | Duration | Owner | Key deliverables |
|---|---|---|---|
| 01 · Kickoff | 2–3 days | momentPay + customer | Project plan, kickoff deck, RACI matrix |
| 02 · Discovery & planning | 1 week | Solution architect | Requirements doc, gap analysis, solution blueprint |
| 03 · Platform setup | 1–2 weeks | Implementation engineer | Configured instance, access & roles, data readiness |
| 04 · Integration & development | 2–4 weeks | Tech lead | Integrated systems, API connections, test cases |
| 05 · Certification & compliance | 1–2 weeks | Certification lead | Certification reports, compliance sign-off, security checklist |
| 06 · UAT & testing | 1–2 weeks | QA lead | UAT sign-off, test reports, issue resolution |
| 07 · Go live | 1–2 days | Project manager | Go-live checklist, production switch, go-live report |
| 08 · Hypercare & optimisation | 2–4 weeks | Customer success | Hypercare support, monitoring reports, optimisation plan |
Go live in as little as eight weeks. Timelines vary with scope and integration complexity.
Start small. Think big. Scale endlessly.
Tell us the channels you need on day one and where you want to be in two years. We will map the tiers to your roadmap and scope the implementation.