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Phi Commerce Private Limited
Phi Commerce Private Limited is an India-incorporated fintech company providing omnichannel payment acceptance, payment aggregation, payment orchestration, acquiring and issuance technology, and related payment infrastructure.
Pune, India
Smart Transaction Router
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Description
Smart Transaction Router is presented by Phi Commerce as a unified payment orchestrator. It provides dynamic routing based on business priorities, least cost, and load distribution; centralized settlement, reconciliation, refunds, and transaction tracking; omnichannel analytics; 270+ pre-integrated payment modes; low-code integration; and fail-safe alternate routing. Phi Commerce claims the routing algorithms can increase payment success rates by 5% or more.Category: Payments Infrastructure
Acquiring Switch
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Description
Phi Commerce’s Acquiring Switch is an API-driven payment-switching platform for real-time transaction processing across POS terminals, ATMs, online services and mobile channels. It supports ISO 8583, ISO 20022 and XML protocols, along with dynamic routing, high-throughput processing, cross-border payments, tokenization, fraud monitoring and integration with legacy and modern systems.Category: Payments Infrastructure
InPhiNex Omnichannel Payment Hub
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Description
InPhiNex provides omnichannel payment infrastructure for POS, mPOS, e-commerce, ATMs, QR, mobile, and UPI payments. It supports advanced transaction routing, ISO 8583, ISO 20022, XML, SWIFT, APIs, network and issuer tokenization, fraud and risk management, and on-premise, hosted, or SaaS deployment.Category: Payments Infrastructure
Omnichannel Payment Processor
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Description
Omnichannel Payment Processor is Phi Commerce’s API-first omnichannel payment platform for banks, aggregators, B2B merchants and B2C merchants. It centralizes payment data and operations across online, in-store and doorstep channels, supports 270+ payment instruments, and includes analytics, reconciliation, payouts, subscriptions, split payments, split settlements, fraud mitigation and compliance with PCI DSS, SSF and EMV standards.Category: Payments Infrastructure
Phi Commerce Payment Gateway
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Description
Phi Commerce Payment Gateway provides API-driven online and omnichannel payment acceptance for enterprises. Its features include smart transaction routing, retry logic, fraud detection, unified merchant dashboards, settlement and reconciliation tools, recurring payments, split payments, and support for cards, UPI, net banking, wallets, EMI, QR and payment links. The service is presented as RBI-licensed and PCI DSS certified.Category: Payments Infrastructure
Subscription Suite
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Description
Subscription Suite is a subscription-management and recurring-payment platform offered by Phi Commerce. It supports fixed, usage-based, and hybrid billing models, automated invoices, promotional offers, self-service subscription management, analytics, customer notifications, API and webhook integrations, and flexible settlement arrangements. Its supported payment methods include cards, UPI, wallets, and net banking.Category: Payments Infrastructure
Dual Factor Authenticator
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Description
Phi Commerce offers Dual Factor Authenticator as an API-integrated security solution for online and offline payments. Its advertised capabilities include 3D Secure 2.0, biometric authentication, one-time passwords or application-based tokens, real-time alerts, encryption and fraud detection. Phi Commerce reports that its payment platform has EMVCo approval for a 3DS Server 2.2 implementation.Category: Payments Infrastructure
Campaign Management Platform
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Description
Phi Commerce’s Campaign Management Platform is a standalone or integrated business platform for managing promotions, discounts, and loyalty programs across online, in-store, and mobile channels. It supports targeted offers, real-time campaign and ROI analytics, payment settlement and refund management, fraud controls, and integration with payment gateways, aggregators, and point-of-sale systems through APIs and SDKs.Category: Customer Engagement Platform
Acquirer Tokenization
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Description
A Phi Commerce payment-infrastructure solution for acquirers, supporting card-on-file tokenization, acquirer-controlled token management, EMV and non-EMV token requests, cards, UPI IDs, wallets, QR payments, recurring transactions, contactless payments, fraud prevention, and PCI DSS/RBI/EMVCo-aligned compliance.Category: Payments Infrastructure
Phi Orchestrator
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Description
Phi Orchestrator connects multiple acquirers, issuers, networks, and gateways through one API-first layer. It dynamically routes transactions, retries failures, applies configurable business rules, provides no-code controls and unified monitoring, and supports enterprise-scale payment processing.Category: Payments Infrastructure
Phi Initiate Pay
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Description
Phi Initiate Pay enables organizations to create branded reusable payment forms without coding, distribute them through SMS, email, WhatsApp, or website embeds, and collect and reconcile payments. Features include bulk CSV/API form creation, recurring and partial payments, automated reminders, customizable branding and fields, real-time confirmation, and settlement reporting. It is designed for education, healthcare, insurance, ecommerce, NGOs, travel, and hospitality use cases.Category: Payments Infrastructure
Phi-Ter
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Description
Phi-ter is an enterprise fraud-management product launched by Phi Commerce in October 2025. It uses behavioral profiling, configurable rules, transaction scoring, and AI/ML to approve, flag, or block payment transactions in milliseconds across cards, UPI, net banking, wallets, APIs, and online, offline, and doorstep channels. It includes no-code rule management, alerts, case management, explainable decisioning, and audit trails. It is operated as a product of Phi Commerce Pvt. Ltd., not as a blockchain network or token project.Category: Payments Infrastructure
Split And Pay
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Description
Split and Pay lets customers combine cards, UPI, wallets, or net banking in one purchase while providing merchants a consolidated transaction record, automatic reconciliation, and settlement.Category: Payments Infrastructure
Credit Card Management
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Description
Credit Card Management is a B2B payment-technology solution marketed to card issuers. The platform supports instant virtual and physical card issuance, renewals, replacements, blocking and closure, customizable BIN ranges, device and card-on-file tokenization, multichannel activation, transaction-level insights, configurable fees and rewards, customer spending controls, and contactless/mobile-wallet payments. Phi Commerce states that it is cloud-native, API-first, scalable, and aligned with PCI DSS, EMV, RBI, and other security requirements.Category: Payments Infrastructure
Prepaid Framework
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Description
The API-first prepaid-card platform supports instant issuance, single-load and reloadable cards, omnichannel transactions, fund loading and tracking, tokenized payments, fraud detection, compliance controls, self-service card management, analytics, and reporting. Listed use cases include gift, payroll, travel, education, government-benefit, and corporate-expense cards.Category: Payments Infrastructure
Next-Gen UPI Acquiring Switch
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Description
A B2B payment-processing platform designed for high-volume UPI acquiring. It supports push and pull payments, one-time and recurring mandates, automated merchant onboarding, account linking, UPI ID creation, refunds, dispute management, API integrations, real-time risk management, NPCI reconciliation and settlement, and on-premise or cloud deployment.Category: Payments Infrastructure
PayPhi
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Description
PayPhi provides payment collection, processing, tokenization, settlement, and related payment infrastructure across online, mobile, in-store, and doorstep channels. The platform supports payment gateways, payment aggregation, omnichannel processing, and integrations for businesses and financial institutions.Category: Payments Infrastructure