Merchant Payments Platform
Shivacha Merchant Payments: Merchant onboarding, omnichannel acceptance and settlement in one platform.
Rails
Card · A2A · Stablecoin
Routing
Provider A · B · C
Settlement
T+1
Typical implementation
3–4 weeks
White-label implementation
Customization
Configurable
Brand, workflows and integrations
- White-label
- Ready to launch
- Production-ready
- Configurable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Overview
A merchant payments platform for PSPs, ISOs and platforms: digital merchant onboarding, online and in-store acceptance, payment links, settlement reporting and merchant self-service.
The problem
Serving merchants requires far more than processing: onboarding and underwriting, multiple acceptance channels, clear settlements, disputes and support. Most stacks cover only part of it.
The solution
Shivacha Merchant Payments covers the merchant lifecycle end-to-end, integrating with your processing partners and giving merchants a single place to get paid and understand their money.
Feature modules
What's inside
Merchant onboarding
Applications, KYB data and underwriting workflows.
Acceptance channels
Online checkout, payment links, QR and terminals.
Settlement & payouts
Settlement calculation, reserves and payout reporting.
Merchant dashboard
Transactions, refunds, disputes and analytics.
Partner portal
Tools for ISOs, agents and resellers.
Risk monitoring
Merchant activity rules and alerts.
Product preview
Designed for operators and end users.
- Digital merchant onboarding
- Omnichannel acceptance
- Payment links and QR
- Settlement statements
- Reserves management
- Dispute workflows
- Agent and reseller portal
- Merchant risk rules
- 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
- Acquirers & processors
- Terminal providers
- KYB providers
- Accounting software
- Banking partners
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
- SMB acquiring platformEasy acceptance for small businesses.
- Vertical SaaS paymentsMerchants inside industry software.
- ISO networkTools for merchant sales partners.
- Multi-location merchantsStore hierarchies and consolidated reporting.
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
Merchant Payment Platform
Merchant payment platforms with onboarding, multi-channel acceptance, settlement, reporting and merchant self-service.
Learn moreMerchant Acquiring Technology
Technology for acquiring businesses: merchant boarding, underwriting workflows, pricing, settlement and risk monitoring.
Learn moreMerchant Dashboard Development
Merchant dashboards with real-time transactions, payouts, disputes, analytics, team access and developer tools.
Learn moreRelated products
Works well with
Shivacha Payment Gateway
A white-label payment gateway with hosted checkout, tokenisation and multi-acquirer connectivity.
Learn moreShivacha Payment Orchestration
Route every payment to the best provider — and fail over automatically.
Learn moreShivacha Crypto Payments
Accept and send digital assets with the operational comfort of card payments.
Learn moreLearn more
Related thinking
Ledger-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 moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
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
Does the platform underwrite merchants?
It supports underwriting workflows; risk decisions are made by you or your processing partner.
Are terminals supported?
Yes, through terminal and tap-to-pay provider integrations.
Can merchants accept stablecoins?
Yes, with the hybrid payment extension.
Request a product demo.
See how Shivacha Merchant Payments fits your business, and how we would customise and deploy it.