## UPI ACQUIRING: BLITZ 2.0

## AI-Powered UPI Merchant

**Verification**

AI-led merchant onboarding enables real-time risk assessment and fraud detection, offering banks a compliant, scalable solution.

## Features of the UPI Acquiring Stack

## Why CARD91 Stands Out in UPI Acquiring

## All-in-One Merchant Portal

### VPA Creation & Management

Create, assign, & manage VPAs for merchants to streamline UPI collections and ensure seamless transaction mapping.

### Manage Payment Options

Accept payments via PPI, credit card, credit line, and savings account.

### Store & Staff Management

Add or edit stores, manage terminals, and generate store-level VPAs effortlessly.

### Monitor Collections

Track collected payments, MDR deductions, taxes, and net settlements with ease.

### Refunds

Trigger refunds individually or in bulk directly through the portal.

### Manage Settlements

Define your settlement cycles and initiate them manually when needed.

### Manage Mandates (Autopay)

Set up mandates, send pre-debit notifications, and execute or revoke them in a few clicks.

**AI-Powered Merchant Verification & Classification**

AI-Powered Merchant Verification & Classification

Empowers banks to onboard merchants confidently—by verifying authenticity, assessing risk, and mapping MCCs with AI/ML precision.

[Explore Now](/content/products/merchant-verification-classification/index.html)

## Bank Portal – Complete Acquiring Control

### Performance Dashboard

Track throughput, latency, success rates, BD%, and TD% in real time.

### Merchant Management

Use a centralized control center to manage all merchant activities.

### Configurations

Set MDR, limits, settlement cadence, charges, and subscription plans.

### Reporting Module

Generate pre-defined and custom reports as per your needs.

### Role-Based Access

Manage roles, permissions, and user access with ease.

## Built for Performance. Ready for Scale

## End-to-End UPI Acquiring Lifecycle

### AI-Based Merchant Onboarding

Onboard merchants in minutes with automated checks (GSTIN, PAN, Udhyam) and instant VPA/QR generation.

### Risk Assessment & Classification

AI/LLM models assign accurate MCCs, score merchant risk, and flag suspicious profiles—ensuring AML and KYB compliance with ease.

### Bank Control Center

Track performance, configure MDR and limits, manage roles, and access real-time reports—all from one centralized portal.

### Merchant App & Portal

Enable merchants to manage stores, collections, refunds, settlements, and mandates via mobile SDKs or web dashboard.

### Corporate Portal

Automate high-volume disbursals and collections with dynamic VPAs, payment links, mandate setups, and end-to-end reconciliation.

## Resources

## Our Latest Partnerships & Announcements

## Latest Press Release

## Blog Posts

## [Routing Breakdowns in Digital Onboarding: How Banks and NBFCs Can Identify Them Early](/content/blog/routing-breakdowns-digital-onboarding/index.html)

## Learn how banks and NBFCs can identify routing breakdowns in digital onboarding before they affect review load and decision quality.

## [BFSI Onboarding Escalation Design: When a Case Should Move to Review or Higher Scrutiny](/content/blog/bfsi-onboarding-escalation-design/index.html)

## Learn how banks and NBFCs can improve BFSI onboarding escalation design for better review routing and stronger control.

## [How Banks and NBFCs Can Reduce Review Backlogs Without Weakening Control](/content/blog/reduce-review-backlogs-bfsi-onboarding/index.html)

## Learn how banks and NBFCs can reduce review backlogs in BFSI onboarding without weakening control or slowing decisions.

## [What Good Clarification Workflow Design Looks Like in Digital Onboarding](/content/blog/clarification-workflow-design-digital-onboarding/index.html)

## Learn what good clarification workflow design looks like in digital onboarding and how it helps reduce unnecessary review.