Payments as a Service
RTP Platform
Mindgate’s Real-Time Payments (RTP) Platform is a highly resilient, secure, and cloud-ready solution, with a throughput of 20,000 TPS. It features multibank-enabled PSP overlays, offering rich APIs and SDKs for faster feature rollouts and seamless integration with third-party apps.
Mindgate has significantly contributed to India’s UPI success by enabling Aadhaar-based onboarding, credit line, and cross-border payments, alongside enhanced use cases like delegate payments and IoT-based payments, making it a proven solution for global digital payments.
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Key highlights of the offering
RTP/UPI switch
- Proven for scale and currently processing 8 billion monthly transactions across banks/ FIs
- Microservices-ready
- Leverages in-memory processing for faster response time
PSP overlays
- Multibank enabled for 3rd party PSP apps
- Feature rich ready-to-use API & SDKs
- Faster feature roll outs
Enhanced customer interface
- Customer first frictionless payments (UPI Lite, LiteX – offline payments, conversational AI)
- In-app quick dispute resolution
- Comprehensive transaction use cases
Merchant UPI
- Guaranteed success rate of 99.5%
- Developer ready sandbox environment
- One-click checkout using Xpress UPI
Enhanced offerings
- Credit card on UPI, credit line on UPI, e-rupi voucher & aadhaar enabled UPI
- UPI global, FIR & FOR offerings as Issuer, acquirer, compliance & settlement bank
- Delegate payments, loT based payments, Contextual payments, Interoperable Cash Withdrawal and Deposit, Silent Mobile Verification (SMV), card host platform and wallets
Functional Overview of the Solution
