Naysa
Naysa Infotech India
ERP • Compliance • Platforms
Collections + Payouts White-Label SaaS Ledger + Reconciliation Maker–Checker

FinTech & Payments Platform — Orchestration, Controls & Visibility

Build a partner-ready payments stack with structured onboarding, collections, payouts, ledgers, reconciliation, and governance — modularly integrated with your chosen banks/aggregators.

Partner-ready
Multi-tenant setup with role-based controls.
Ledger clarity
Audit-ready ledgers + reconciliation patterns.
Governance
Maker–checker approvals and audit trails.
Executive Dashboard Preview
What leadership tracks daily
Pay-in success rate & failure reasons
Payout success rate & pending queue
Fees, MDR, reversals and net revenue
Settlement status and reconciliation
KYC pipeline and risk exceptions
Designed for compliance-led scale
Audit logs, approvals, limits and program rules reduce risk while you scale partners and volumes.
Pain-driven clarity

Common problems in payments operations

Teams lose time and money due to fragmented onboarding, unclear settlements, payout errors, and weak reconciliation.

Onboarding is slow and manual (KYC loops)
Replace spreadsheets with workflows, dashboards and controls.
No single view across partners/aggregators
Replace spreadsheets with workflows, dashboards and controls.
Payout failures are hard to debug
Replace spreadsheets with workflows, dashboards and controls.
Settlement and reconciliation delays
Replace spreadsheets with workflows, dashboards and controls.
Fees/MDR and reversals not transparent
Replace spreadsheets with workflows, dashboards and controls.
Governance and audit evidence is weak
Replace spreadsheets with workflows, dashboards and controls.
Fast value

Before vs after using our platform

Move from scattered tools to a governance-ready payments stack.

Before
After
Multiple vendors, no single view
Unified payments dashboard & workflows
Manual onboarding and KYC follow-ups
Structured onboarding + KYC pipeline
Payout errors and delays
Approval-based payouts with status tracking
Reconciliation is painful
Ledger + reconciliation automation
Weak governance
Audit trails + maker–checker controls
Payments explained

Payment flows — how money moves and how ops stays in control

A simple view of collections and payouts, with settlements, retries, and reconciliation built-in.

Flow view
Collections lane and payouts lane (with controls)
Ops + Risk + Finance
Collections (Pay‑In)
Checkout → status → settlement → reco
T+ cycles visible
Checkout orchestration
UPI intent/QR, card, netbanking (as integrated)
Webhook + retries
Reliable status updates, retry policies, timeout handling
Settlement visibility
Know what’s pending, settled, reversed — per partner
Reconciliation
Match settlement files/bank statements into the ledger
Payouts (Pay‑Out)
Approvals → processing → status → retries
Maker–checker
Bulk payout queue
Vendor, salary, refunds, incentives — with batching
Approvals
Maker–checker, role-based access, exception routing
Status tracking
Pending → processed → success/fail with reason codes
Auto-retry + escalation
Policy-driven retry + SLA escalation to ops
Core FinTech Product Stack

Onboarding + collections + payouts + ledgers — unified

Modular platform for building payments products with partner integrations, dashboards, and compliance controls.

Merchant Onboarding + KYC
Designed for payment programs and partner models
  • Merchant/partner onboarding workflows
  • KYC document collection & verification hooks
  • Risk categorisation and program rules
  • Maker–checker approvals
  • Document vault + audit trail
ModuleAutomationControls
Collections (Pay‑In)
Designed for payment programs and partner models
  • Checkout orchestration (web/app)
  • UPI intent/QR and card flows (as integrated)
  • Smart routing across partners (optional)
  • Payment status webhooks + retries
  • Settlement visibility and reporting
ModuleAutomationControls
Payouts (Pay‑Out)
Designed for payment programs and partner models
  • Vendor, salary, refunds, incentives payouts
  • Bulk payouts with approvals
  • Beneficiary management
  • Status tracking + retries
  • Chargeback / dispute workflow patterns (optional)
ModuleAutomationControls
Ledgers, Reconciliation & Accounting
Designed for payment programs and partner models
  • Double-entry ledger patterns
  • Transaction lifecycle events
  • Auto reconciliation with bank/partner statements
  • Fees, MDR, commissions and reversals
  • Audit-ready exports
ModuleAutomationControls
Partner / White‑Label SaaS
Designed for payment programs and partner models
  • Multi-tenant architecture
  • Partner dashboards & controls
  • Role-based visibility
  • Branding + domain configuration
  • Reseller/agent management (optional)
ModuleAutomationControls
Risk, Compliance & Governance
Designed for payment programs and partner models
  • KYC/AML workflow support
  • Rules engine (limits, velocity, categories)
  • Maker–checker approvals
  • Audit trails for critical actions
  • Configurable compliance reporting patterns
ModuleAutomationControls
Deep‑dive

Feature deep‑dive — what teams actually use daily

Tabs that can become dedicated pages later for SEO and campaigns.

Collections capabilities
Focus: reliability, visibility and controls.
UPI intent/QR + card flows (as integrated)
Failure reason explorer (issuer decline, VPA error, timeout)
Webhook retries + idempotency patterns
Settlement visibility by partner/program
Refund lifecycle (initiate → accept → settle)
Alerts to ops (SLA/queue-based)
Outcome
Outcome: fewer payment failures and faster resolution for ops.
$1
Integration-ready

Connect with banks, aggregators, messaging and KYC

A modular integration layer designed to plug into your chosen ecosystem.

Modular architecture
Start with onboarding + payouts or collections, then add ledgers, reconciliation and white-label.
Onboarding + KYC Collections Payouts Ledgers Reconciliation White-label
Commercials (no surprises)
Flexible pricing based on modules, tenants, integrations, and transaction volumes.
Integrations
Connect to your chosen partners and providers.
Payment aggregators / processors (as per program)
Routing, status, settlement feeds
UPI / QR flows (as integrated)
Intent/QR, callbacks, retries
Banking / nodal / escrow patterns
Program-ready settlement models
SMS / Email / WhatsApp providers
Alerts, receipts, SLA notifications
KYC / ID verification providers
PAN/GST, OCR, video KYC (optional)
Accounting / ERP systems
Exports, ledgers, reconciled postings
API-first Multi-tenant Audit-grade
Finance-ready

Reconciliation types we support

Make operations and month-end closure predictable with ledger-backed matching patterns.

Bank statement reconciliation
Match bank statements to ledger events and settlements.
Aggregator settlement reconciliation
Reconcile settlement files, fees, MDR and reversals.
Refunds & chargebacks
Track disputes, evidence, reversals, and settlement outcomes.
Fees, MDR & commissions
Transparent fee stacks with exports and audit evidence.
Nodal / escrow movement
Ledger visibility for nodal/escrow flows (program-based).
Evidence bundles
Export logs, decisions, and reconciliation proof packs.
Business impact

ROI you can measure

Animated counters (placeholders). Replace with real client metrics anytime.

Onboarding speed
0
KYC pipeline replaces manual back-and-forth.
Reconciliation time
0
Ledger-backed matching reduces month-end fire drills.
Failure reduction
0
Retries + reason explorer improve success rate.
Stories

Example outcomes

Short story cards you can expand into full case studies later.

Marketplace payouts
Reduced payout failures + improved SLA visibility
Bulk queue + approvalsAuto-retry policiesFailure explorer
Partner white-label launch
Tenant-ready dashboards with strict segregation
Tenant isolationPartner roles & RBACBranding + domains
Finance closure automation
Cut reconciliation cycles with ledger exports
Settlement + bank recoFees/MDR transparencyAudit evidence bundles
Onboarding

Implementation & rollout

A structured rollout aligned to partner onboarding, operations and reconciliation.

Step 1
Program setup & requirement mapping
Discovery, scope, program roles, settlement model, SLAs.
Step 2
Partner integrations (as per APIs)
Pay-in / payout rails, webhooks, settlement files, KYC providers.
Step 3
Policy/SOP alignment + training
Maker–checker, limits, escalations, audit exports, user roles.
Step 4
Go-live + monitoring dashboards
Control tower, alerts, reconciliations, monthly closure checklist.
Typical next steps
NDA → discovery → sandbox → pilot → phased rollout → scale.
Commercials

Pricing philosophy (no surprises)

We price by modules + tenants + volumes, with clear boundaries and rollout phases.

Platform modules
Pay for the modules you enable (KYC, pay-in, pay-out, ledger, reco).
Tenants
White-label deployments priced by number of tenants/brands.
Volumes
Scale pricing by transaction volume and operational support tiers.
Integrations
One-time partner integrations (as needed) + ongoing maintenance options.
FAQs

Frequently asked questions

Quick answers to speed up decisions.

It can be built as a full-stack payments layer using your preferred backend partner / aggregator. The platform provides orchestration, workflows, dashboards, controls and partner-ready APIs.
Yes. Collections and payouts can be enabled together or as separate modules with role-based controls and reconciliation-ready reporting.
Yes. White-label SaaS deployments are supported with multi-tenant configuration and partner-level dashboards.
The platform supports KYC/AML workflows, maker–checker approvals, audit trails, risk rules, and configurable reporting patterns based on your program setup.
Integrations are designed to be modular. We can connect to your selected partners (banks/aggregators/UPI/BBPS/etc.) based on their APIs and onboarding requirements.
Tip: You can open multiple FAQs — keyboard accessible (↑/↓, Enter/Space) and ARIA-ready.
FinTech Demo

Book a live demo — see onboarding, payouts, ledgers and reconciliation

We’ll map your program model, show collections/payout flows, governance controls, and outline integration and rollout.

Quick Demo Agenda
Merchant onboarding + KYC pipeline
Collections and payout workflows
Ledger + reconciliation automation
Governance controls and audit exports
Coverage
Ops • Risk • Finance
Models
Direct • Partner • White‑label
Book a demo
See onboarding + ledgers