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Omnichannel Payment Acquiring

Merchant Management System

Business agility for an omni-channel world


Omni-channel is a macro-trend defining digital payments. For acquirers, a proliferation of channels, the blurring of lines between in-store, online and mobile channels, and expanded payment options create new opportunities for business expansion. Success in the new environment depends on the ability to deliver services to merchants that are cross-channel by design.

Redtech Merchant Hub is built to deliver business and operations excellence. The Merchant Hub unites retail, internet and mobile in a single omni-channel solution, consolidating critical business functions — merchant hub onboarding, risk management, accounting and settlement – to deliver a superior service across channels. As an example, a centralized onboarding process, as opposed to verifying the merchant hub for each payment channel, for improved time to market. A consolidated view of business processes across multiple transaction channels and merchant hub accounts streamlines operations and improves business agility.

Importantly, the Merchant Hub is vendor and channel agnostic and works independently of the overlying front-end systems, meaning it can be integrated with any existing solution without the need for expensive and time-consuming migration. Acquiring institutions can deploy the Merchant Hub in conjunction with Redtech Acquirer products or integrate with the existing multi-vendor environment. Additionally, acquirers have the flexibility to adopt a progressive approach, deploying the solution individually on the channel or channels of their choice, example Payment Systems, or across all channels.

Manages all Payment Activities of the Merchant Hub

Merchant management system simplifies and consolidates critical functions to efficiently manage merchants of all types and sizes.

Merchant on-boarding

Multi-channel merchants can be on – boarded quickly with a single Merchant KYC & onboarding process. An intuitive GUI allows acquirers to onboard merchants digitally, optimizing the onboarding time.

Hub hierarchy and terminal definition

Acquirers can easily set up hierarchies for complex merchant hub structures and group merchant relationships by geography, merchant type, location, group, corporate structure or business type.

Flexible pricing and settlement

Acquirers can set up a billing structure tailored to a merchant’s business needs. Different merchant entities within the hierarchy can be tied to a specific fee structure. A flexible clearing and settlement module allows multiple settlement cycles in a day.

Interchange management

The solution supports clearing and settlements with multiple interchanges – VISA, Mastercard, Rupay, Diners, JCB, UnionPay International, Amex.

Flexible Fee Structures for Better Acquirer Margins

Redtech Merchant Hub offers acquirers a highly flexible fee configuration module to create tailored pricing plans based on merchant profiles, channels, transaction volume, value and merchant hub risk score. The multiple pricing options include:

  • Tier-based fee
  • Transaction-based fee
  • Special period fee
  • Recurring charges
  • Interchange plus pricing

Multiple Channels and Modes of Accepted Transactions

The platform supports online as well as in-store channels. All digital payments initiated via the Payment Systems, POS device, IVR, mobile and kiosk are automatically settled with the merchant hub according to the settlement options configured.

POS Device


Payment Systems

Kiosk Payment

Merchant Hub Self-Service Capabilities

Merchants have access to a web-based portal to self-manage their accounts, track financials, perform data inquiries, submit dispute related documents and download reports.

The portal also provides access to a range of transaction reports and dashboards on daily sales, chargebacks and fees to run their businesses and offers merchants greater visibility into transactions.

Seamless Integration with Existing Systems

Redtech Merchant Hub complements an acquirer’s existing payments infrastructure with the capability to interface with third-party applications, protecting existing investments.

Acquirers also have the flexibility to integrate with a single channel and progressively add-on channels to meet evolving business needs.

An Intuitive Web Portal for Acquirers

Acquirers can configure services for merchants and access transaction data from a central location. Intuitive reports enable acquirers to drilldown to specific information pertaining to transactions, chargebacks and retrievals.

Dynamic Currency Conversion (DCC) Processing and Settlement

Redtech Merchant Hub supports dynamic currency conversion offering an additional revenue stream to acquirers and merchants.

The DCC module enables merchant settlement in the local currency. Acquirers can access a web portal to configure margins and the percentage of revenue to be shared with merchants on DCC transactions.

Terminal Inventory Tracking and Management

Redtech Merchant Hub can interface with a Terminal Management and Monitoring system to manage, monitor and track terminal stock position for optimized usage of available inventory and efficient stock forecasting.


A comprehensive set of analytical and reporting tools provides acquirers a 360-degree view of their business.

Acquirers can measure business performance along a range of parameters:

  • Transactions
  • Risk and Fraud
  • Merchant fees adjustment and settlement
  • Interchange and schemes
  • Dispute

Provides Cross-Channel Insights

Redtech Merchant’s cross-channel insights helps acquirers make intelligent decision to improve business agility, tailor better product offerings for respective business segments, enhance customer experience and increase revenue.

  • Transactions
  • Risk and Fraud
  • Merchant fees adjustment and settlement
  • Interchange and schemes
  • Dispute

Risk and Fraud Management

The solution’s advanced risk management framework helps lower chargeback volumes. The solution can detect:

  • Multiple swipes at same merchant hub location for the same amount.
  • High-value local and international transactions.
  • Suspect BINs cards.
  • Suspect merchant hub category codes.

As an additional safeguard measure, the solution supplements offline risk checks with merchant risk information and transaction level fraud data from interchanges.

Effective Security Controls to Successfully Minimize Fraud

Redtech Merchant Hub implements security controls to reduce merchant hub and acquirer liability.

Secure storage of card data

Key management as per PCI PA DSS requirements

Role-based access control for user authentication

Key Capabilities

Redtech offers choice and flexibility to customize payment processing solutions to the best of your needs.

Payment Systems

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Merchant Hub

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Bill Pay

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