Shivacha Hybrid Payments
Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.
Rails
Card · A2A · Stablecoin
Routing
Provider A · B · C
Settlement
T+1
Overview
A rail-agnostic payment platform for acceptance, settlement and payouts across cards, bank transfers, local methods and stablecoins — with one API, one ledger and one risk engine.
The problem
Global merchants and platforms maintain separate stacks for card payments, bank rails and crypto — multiplying integrations, reconciliation effort and risk blind spots.
The solution
Shivacha Hybrid Payments models every payment rail with one payment object, routes acceptance and payouts across rails, and settles merchants in their preferred currency or asset.
Feature modules
What's inside
Unified acceptance
Cards, bank transfers, local methods and stablecoins.
Flexible settlement
Fiat or stablecoin settlement per merchant.
Global payouts
Best rail per recipient.
Unified ledger
Balances across fiat and digital assets.
Unified risk
Card fraud rules and wallet screening together.
Merchant console
One dashboard for all rails.
Product preview
Designed for operators and end users.
- One API for all rails
- Cross-rail routing
- Stablecoin settlement option
- FX and crypto conversion via partners
- Unified reconciliation
- Marketplace split flows
- Webhooks and SDKs
- Consolidated reporting
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- PSPs & acquirers
- Banking partners
- Custodians
- Liquidity & ramp partners
- Fraud & screening providers
- ERP systems
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Global PSPPayments across traditional and digital rails.
- MarketplaceBuyers pay any way, sellers paid any way.
- Cross-border merchantAccept international customers efficiently.
- Treasury efficiencyFaster settlement between entities.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Hybrid Payment Platform
Accept cards, bank transfers and stablecoins; settle in fiat or digital assets — one payment platform across rails.
Learn morePayment-Blockchain Integration
Add blockchain and stablecoin rails to payment platforms — acceptance, settlement and payouts alongside cards and bank transfers.
Learn moreBlockchain Payment Settlement
Use blockchain for payment settlement between entities, partners and merchants — faster, transparent and reconcilable.
Learn moreRelated products
Works well with
Shivacha Payment Orchestration
Route every payment to the best provider — and fail over automatically.
Learn moreShivacha Stablecoin Payments
Dollar-denominated payments, payouts and settlement on stablecoin rails.
Learn moreShivacha Crypto Payments
Accept and send digital assets with the operational comfort of card payments.
Learn moreLearn more
Related thinking
Stablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreLedger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Do we need to replace our existing PSP?
No. Existing PSPs connect as rails within the platform.
Can some merchants settle in stablecoins and others in fiat?
Yes — settlement preferences are per merchant.
Who holds funds?
Licensed partners on each rail; the platform orchestrates and records.
Request a product demo.
See how Shivacha Hybrid Payments fits your business, and how we would customise and deploy it.