DMT (Domestic Money Transfer)
DMT switch (IMPS/NEFT rails)
// Platform explorer
One canonical API. 14 services. Every tenant isolated.
A config-driven fintech hub: one common request format, routed to the right vendor, translated both ways.
Merchant service catalog
BBPS — Online
BBPS Operating Unit (NPCI Bharat BillPay)
Recharge (mobile, DTH)
Recharge aggregator API
Travel (bus/rail/air/hotel)
Travel aggregator API
BBPS — Offline
Same BBPS OU, agent-assisted flow
PG (Payment Gateway)
Payment gateway vendor
CC Bill
BBPS OU / card network bill-pay rail
AEPS
AEPS switch (NPCI)
▸ Gate: Biometric/OTP auth + BC agreement
UPI ATM
UPI switch + micro-ATM device vendor
▸ Gate: Certified micro-ATM device binding
Nepal Money
Cross-border remittance corridor partner
▸ Gate: Partner KYC and limit checks
QR Static
UPI/QR switch
QR Dynamic
UPI/QR switch
CMS (Cash Management)
Banking partner CMS API
▸ Gate: Cash-handling agreement
Payout
Payout/settlement vendor
Transaction pipeline
Funds are held before a vendor is ever chosen. Tap a step.
→→→→→→
STEP 1.0
API gateway
Validate, authenticate, dedupe by idempotency key.
Four portals, one platform
Merchant
merchant.brand.in
- Who:
- Retailer and Staff
- Channels:
- Web + Android (iOS optional)
- Exposure:
- Public internet
Distributor
partner.brand.in
- Who:
- Super Distributor and Distributor
- Channels:
- Web + Android
- Exposure:
- Public internet
Organization admin
admin.brand.in
- Who:
- Org Admin, Manager, Team Lead, Finance, Support, Viewer
- Channels:
- Web
- Exposure:
- Public, optional IP allowlist
System admin
console.brand-ops.in
- Who:
- System Owner, System Admin, Vendor Manager, Support Admin
- Channels:
- Web
- Exposure:
- Private: VPN, IP allowlist