Digital Payment Stack

Powering secure, real-time UPI and IMPS payment ecosystems

MAXIMUS ASTRA Digital Payment Stack enables banks, fintechs, PPI license holders and payment service providers to launch, manage and scale real-time digital payment services across UPI and IMPS.

Digital Payment Stack

UPI
Ready

Real-time UPI transaction processing across issuer and acquirer journeys.

IMPS
Ready

24x7 instant account-to- account fund transfers with high availability.

Secure by
Design

Built-in fraud controls, dispute workflows, audit trails and compliance.

Built to
Scale

Modular architecture to scale with your business and evolving needs.

Real-Time Digital Payments

Designed for high-volume transaction environments, MAXIMUS ASTRA Digital Payment Stack delivers uptime, speed, security and compliance across the entire payment lifecycle.

Instant Payments

UPI & IMPS real-time transaction processing.

Merchant Payments

QR, collect, intent and merchant-led journeys.

Customer Onboarding

Registration, beneficiary and mandate management.

Risk & Controls

Fraud monitoring, alerts and transaction validation.

Settlement & Disputes

Reconciliation, exception handling and workflows.

Omnichannel Reach

Mobile, internet, PSP apps and partner channels.

ASTRA ZENITH
ASTRA ZENITH

UPI Switch

Enable secure, real-time UPI transaction processing across issuer and acquirer environments.

  • Transaction Processing
  • QR Code Management
  • Credit Line on UPI
  • Merchant Onboarding
  • Dispute Management
  • VPA Management
  • Collect & Intent Flows
  • UPI Mandates
  • Fraud Risk Management
  • PPI on UPI
  • Credit card on UPI
  • Reports & Analytics
Real-time Processing
Real-time Processing
High Availability & Scalability
High Availability & Scalability
End-to-End Security
End-to-End Security
Regulatory Compliant
Regulatory Compliant
ASTRA FLARE
ASTRA FLARE

IMPS Switch

Deliver instant account-to-account fund transfers with 24x7 availability and seamless integration.

  • Inter & Intra Bank Fund Transfers
  • Limit Management
  • Beneficiary Management
  • Alerts & Notifications
  • Transaction Validation
  • IMPS UDIR
  • Routing & Processing
  • Fraud Risk Management
  • Beneficiary Account Name Lookup (BANL)
  • Settlement Support
Real-time Processing
Real-time Processing
High Availability & Scalability
High Availability & Scalability
End-to-End Security
End-to-End Security
Regulatory Compliant
Regulatory Compliant
Explore the comprehensive capabilities across UPI and IMPS switches

Features

Explore the comprehensive capabilities across UPI and IMPS switches.

  • Micro-service Architecture

    Modular, scalable architecture enabling faster deployment, seamless integration, and high availability.

  • Integrated with FRMS

    Seamlessly integrated with FRMS for real-time fraud detection and risk mitigation.

  • Process High Volume

    A UPI Switch can handle thousands of transactions per second.

  • ISO Message Processing

    Support for ISO 8583, JSON/XML message formats.

  • Transaction Switching

    Real-time routing of payment requests to NPCI, CBS, wallets, or third-party systems.

  • Authorization Engine

    Validates transactions based on account status, limits, balances, and business rules.

Explore the comprehensive capabilities across UPI and IMPS switches

Business Benefits

Unified Digital Infrastructure

Unified Digital Infrastructure

One stack for UPI and IMPS transaction processing.

Faster Rollout

Faster Rollout

Launch new services faster with modular and pre-integrated components.

Operational Control

Operational Control

Centralized visibility across transactions, disputes, settlements and alerts.

Scalable Platform

Scalable Platform

Handle growing volumes, new use cases and evolving market needs with ease.

Secure by Design

Secure by Design

Authentication, fraud controls, audit trails and compliance at every layer.

Better Experience

Better Experience

Deliver seamless, fast and reliable payment journeys across channels.

Ideal For

  • Banks
    Banks
  • FinTechs
    FinTechs
  • Payment Service Providers (PSPs)
    Payment Service Providers (PSPs)
  • PPI License
    PPI License

Build Your Real-Time Payment Ecosystem with MAXIMUS ASTRA

Power secure, scalable and seamless UPI & IMPS Services that drive growth and customer trust.

Talk to our Expert
Build Your Real-Time Payment Ecosystem with MAXIMUS ASTRA