for End-to-End Merchant Lifecycle Operations
A unified, intuitive portal for merchant onboarding, KYC management, risk scoring, lifecycle controls, and settlement visibility — designed for banks, PSPs, and fintechs operating in Bharat’s digital payments ecosystem.
IndiNXT’s Merchant Management Portal (MMP) is a consolidated operations layer that allows financial institutions, PSPs, and aggregators to manage merchants seamlessly across the entire lifecycle. From digital onboarding and KYC validation to risk segmentation, activation controls, dispute handling, and settlement dashboards — the portal simplifies complex operational workflows and ensures transparency across every touchpoint.
Built to support high-scale payment processing, the MMP integrates tightly with issuing, acquiring, and UPI systems, offering a single view of merchant performance, compliance status, and settlement behaviour.
Streamlined onboarding journeys with configurable workflows, automated document ingestion, and KYC validation mapped to institutional requirements.
Dynamic risk scoring engine using merchant profile, category, historical behaviour, and rule-based parameters across the financial ecosystem.
Instant activation, deactivation, hold, and limit-setting options enabling operational and compliance control across merchant portfolios.
Real-time settlement timelines, payout visibility, reconciliation summaries, and exception reporting for operational teams.
Customisable rules and operational access powered by role-based access control for secure and compliant multi-team operations.
Streamlined onboarding journeys with configurable workflows, automated document ingestion, and KYC validation mapped to institutional requirements.
Dynamic risk scoring engine using merchant profile, category, historical behaviour, and rule-based parameters across the financial ecosystem.
Instant activation, deactivation, hold, and limit-setting options enabling operational and compliance control across merchant portfolios.
Real-time settlement timelines, payout visibility, reconciliation summaries, and exception reporting for operational teams.
Customisable rules, user roles, and operational access powered by role-based access control for secure and compliant multi-team operations.
The MMP connects directly with bank and PSP systems through API-based integrations, enabling real-time synchronisation of merchant data, operational flags, and settlement status. Its modular architecture allows institutions to adopt the full suite or integrate selective components depending on their operational design.
Real-time
onboarding workflow
visibility
Automated exception
handling for faster
resolution
Optimised dashboards for
high-volume operational
teams
Integrated settlement and
reconciliation views
ensuring full transparency
Automated
three way
reconciliation
Real-time
onboarding workflow
visibility
Automated exception
handling for faster
resolution
Optimised dashboards for
high-volume operational
teams
Integrated settlement and
reconciliation views
ensuring full transparency
Automated
three way
reconciliation
The Merchant Management Portal is built on IndiNXT’s enterprise-grade security stack, ensuring that every onboarding document, KYC dataset, and operational update is encrypted and stored as per institutional and regulatory expectations.
With strict security standards, audit-friendly logging, and configurable operational roles, institutions maintain full compliance while scaling merchant operations.
AES-256 encrypted data storage
Full audit logging for every merchant action
Configurable role-based access control
Structured data isolation
Alignment with institutional and regulatory compliance models
Banks managing merchant acquisition, activation, and ongoing compliance from a unified interface.
PSPs using real-time dashboards to monitor activity, settlements, and risk levels.
Fintechs leveraging automated onboarding and lifecycle management to scale merchant operations efficiently.
Manage Merchant Operations with Precision and Control