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Omnichannel Payment Acquiring

Redtech Payment Systems​

Innovation, Experience and Scale​

As online commerce grows, the ability to satisfy growing merchant demand for reliable and innovative services has become a point of differentiation for acquirers. Redtech offers a full-stack, white-labelled payment platform that includes payment processing, risk management, in-depth data insights and a range of added value capabilities to address diverse merchant segments.

Redtech has a proven track record of successfully addressing online transactions, processing needs of Tier One acquiring institutions. Our Payment Systems is the online​ payments platform of choice for leading acquiring banks and payment processors.


Live Dashboards

The benefits of Payment Systems include “Analytics as-a-Service” for informed decision.

Leveraging Big Data capabilities acquirers can perform:

Customer Modelling

Analyses key transaction trends including preferred payment instruments, shopping categories, time of shopping, for improved sales targeting.

Transaction Modelling

Drilldown view into transaction success as well as decline rates.

Merchant Modelling

Profile and segment merchants based on transaction recency, frequency and monetary value to improve overall portfolio profitability.

Risk Modelling

Risk scores merchants and transactions safeguarding customers against fraud.​

High Service Assurance Even During Peak Traffic Events​

Benchmarked for 4,000 TPS on Oracle Sparc servers with 17M transactions processed in 70 minutes, Redtech Payment Systems can scale to accommodate high –volume workloads , especially peak hour spikes during seasonal events. Across deployments, a fully-redundant, fault-tolerant solution, Redtech Payment Systems has consistently averaged 99.9% availability, and a 92% transaction success rate, guaranteeing assured quality of service.​

Supports A Range of Alternate Payment Mechanisms

Redtech Payment Systems solution offers access to multiple local, regional, and international payment modes, enabling merchants to capture greater sales. Acquirers can drive transactions by supporting multi-channel, multi-currency, multi-payment instruments, one-off payments, scheduled regular fixed, recurring, or variable payments.​

Including all the major wallets (Apple Pay, Google Pay, Amazon Pay, Samsung Pay), QR Codes, Invoice-based Payments, In-app payments, UPI, Net banking, NEFT, Instant Payments and Debit and PIN, with flexibility to add new payment instruments across digital checkout points.

Offers Customers Multiple Payment Options

Redtech Payment Systems enables merchants to offer customers multiple​ payment options:

Multi-currency payments

Currency conversion enables international customers to pay in their local currency allowing merchants to target international shoppers and expand globally.

EMI/ Installment Payments

Allows a merchant or acquirer to offer EMI on checkout at low interest rates with a processing fee to encourage customers to spend more.​

Split payments

Simplifies multi-party settlement for enterprise merchants by managing partner fees, splits, and pay-outs automatically, alleviating accounting and settlement related overheads​.

Multi-lingual Support

Enables merchants to customize the language of checkout forms, facilitating higher conversions​.

Recurring Payments

Supports easy recurring billing options improving billing efficiency and eliminating the hassle of manually re-entering billing or payment details.​

Pay Now Button

Boost conversions and shopper satisfaction by adding a Pay Now button to invoices, price quotes, emails and more​.

Link based payments

Merchants can send a link via SMS, e-mail, WhatsApp and social media platforms allowing shoppers to pay directly from a tweet or a WhatsApp text encouraging higher transactions. Link Payments will direct customers to a secure payment page where they can pay using any supported instrument.

Instant Credit at Checkout

Drives sales volumes and conversions with instant credit at checkout based on preconfigured rules and customer transacting history​

Dynamic Currency Conversion

Provides international customers the choice to pay in their own currency and enables acquirers and merchants to reap higher transaction margins​.

One-click payments

Allows card details to be saved securely on file encouraging repeat customer behavior. ​

Invoiced Based Payments

Customers can pay for goods and services post purchase using an instrument of their choice​.

Multiple Integration Modes

Merchants can setup a merchant account and integrate with Redtech Payment Systems to start accepting payments quickly and easily. Quickly add payment functionality to webstore and online to save integration time and money.

Hosted payment pages

Easy-to-integrate, white-labelled hosted checkout option, enables acquirers to on-board long tail of merchants. The checkout experience is customizable to mirror the merchant’s brand and minimizes PCI compliance burden.​

Built for Developers

Developer friendly plugins and libraries for all major languages. RESTful API’s, mobile SDK for Android and iOS helps merchants to easily build intuitive, secure checkout interfaces for desktop and mobile payment flows.​​

Shopping cart plugins for eCommerce stores

Merchants selling on third-party e-commerce platforms such as WooCommerce, Shopify and Magento can install plug-ins to start accepting payments in minutes.​

Open APIs Creates New Revenue Streams

Payment Systems exposes APIs to merchants to rapidly scale the number of acquiring points. Transaction APIs allow partners to enable payments on a mobile app or a company’s Twitter or Instagram feed, creating possibilities for contextual payments, beyond simple web checkout.​

Provides Intuitive Interfaces for Managing Merchants

Redtech Payment Systems’s user-friendly portal helps acquirers configure merchant accounts, services and identify business trends.

The portal allows users to:

  • Configure complex merchant hierarchies
  • Set alerts and notifications for merchants
  • Track transactions in real-time
  • Download transaction and operational reports
  • Manage batch uploads
  • Manage returns
  • Voids and disputes

Advanced Fraud Detection Shields Revenues

Redtech Payment Systems extends an array of sophisticated controls to shield revenues and lower risk liability. Redtech Shield, modeled on EMVCo2.0 guidelines, is an ML-driven merchant plug-in to distinguish legitimate customers from fraudsters certified by EMVCo, and major card schemes including Visa, MasterCard and Amex.

Rule-based risk management

Acquirers can configure risk rules by defining terminal-specific and card-specific transaction limit parameters such as volume, velocity limits and refund amounts permissible.​

Blacklist transactions

For suspect transactions, acquirers can block payments based on card and BIN ranges, IP addresses. When a shopper makes a purchase, Redtech Payment Systems runs checks to compare entries on negative lists with cardholder’s payment data and blocks suspicious transactions.

Real-Time fraud prevention

We offer Risk-Based Analytics as an added value service. Leveraging advanced machine learning algorithms acquirers can screen payment in real-time to detect unusual patterns and risk score transaction.​

Protects Purchases

Payment Acceptance with Redtech Payment Systems is always secure.

Payments through the gateway are protected using:

Two-factor authentication

Ensures safety of online payments via two-factor authentication with an OTP sent to the card-holder’s mobile.

End-to-End encryption

Secures sensitive data during transmission across the payment chain.


The service substitutes card data with tokens that are used for transactions eliminating the need to transmit sensitive card information.

PCI DSS compliance

Provide high levels of data security to acquirers.

Supports 3D secure

Offers a 3D Secure plug-in for authenticating cardholders, reducing exposure to disputed transactions and chargebacks.​

Supports Multiple Business Models

Redtech supports on-premise, as well as SaaS-based commercial models, exposing open APIs for third-party integration.

Redtech hosts the Payment Systems on RedtechNeT, its private data centre, enabling acquirers’ lower upfront costs and adopt an agile operating model for addressing emerging market demand.

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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