Merchant Payment Platform
Merchant payment platforms with onboarding, multi-channel acceptance, settlement, reporting and merchant self-service.
- 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 |
Division
Service area
Payments Infrastructure
Engagement
Project · Team · Managed
Overview
Merchant payment platforms serve the businesses accepting payments: they need simple onboarding, acceptance across online and in-person channels, clear settlement reporting and self-service for refunds, disputes and payouts. We build merchant platforms for PSPs, acquirers' partners and platforms serving merchants, integrated with licensed processing partners.
Common use cases
- SMB merchant platformEasy acceptance for small businesses.
- Enterprise merchant servicesMulti-location, multi-entity merchants.
- Omnichannel acceptanceOnline, in-app and in-store payments.
- ISO/agent platformsTools for merchant sales networks.
Quick answers
Merchant Payment Platform at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is merchant payment platform?
- Merchant payment platforms with onboarding, multi-channel acceptance, settlement, reporting and merchant self-service.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Merchant onboarding
- Acceptance channels
- Settlement reporting
- Self-service
- Multi-location
- Partner tools
- Which technologies are used?
- ISO 8583, PCI DSS, Double-Entry Ledgers, Go (Golang), Java, Apache Kafka — chosen to fit your stack and constraints.
- How does the process work?
- Flow mapping → Provider strategy → Core build → Reconciliation & settlement → Certification & launch.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Merchant onboarding
Digital application and KYB via providers.
Acceptance channels
Checkout, links, QR and terminals.
Settlement reporting
Clear payout and fee breakdowns.
Self-service
Refunds, disputes and account settings.
Multi-location
Store hierarchies and permissions.
Partner tools
Agent and reseller portals.
Architecture
Engineered right from day one
The layers we typically design for payments infrastructure, adapted to your stack and partners.
- Idempotency everywhereEvery mutating API and webhook handler is safe to retry.
- PCI scope reductionTokenisation and hosted fields keep card data out of most systems.
- Provider redundancyFailover routing reduces the impact of provider outages.
- Exact accountingMinor units, currency precision and fee attribution handled consistently.
Delivery
How an engagement runs
- 1
Flow mapping
Payment methods, markets, merchant types and every state a payment can be in.
- 2
Provider strategy
Which acquirers, PSPs and rails, and how to route between them.
- 3
Core build
Payment state machine, ledger, idempotent APIs and webhooks.
- 4
Reconciliation & settlement
Automated matching against provider reports and bank statements.
- 5
Certification & launch
Provider certification support, load testing and staged rollout.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Merchant Payments
Merchant onboarding, omnichannel acceptance and settlement in one platform.
Learn moreShivacha 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 moreRelated services
Often combined with
Payment Platform Development
End-to-end payment platforms: acceptance, processing, orchestration, settlement, reconciliation and payouts at scale.
Learn morePayment Gateway Development
Custom payment gateways with hosted checkout, tokenisation, multi-acquirer connectivity, 3DS and merchant APIs.
Learn morePayment Processing Systems
Payment processing engines for authorisation, capture, refunds, disputes and fees — accurate, idempotent and observable.
Learn moreDedicated team
Payments Engineering Team
Specialists in gateways, processing, orchestration, settlement and payouts.
Work & insights
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
Can merchants be onboarded same-day?
Onboarding speed depends on the processing partner's underwriting; our flows collect complete data up front to avoid delays.
Do you support in-person terminals?
Yes, through terminal and tap-to-pay provider integrations.
Do you process payments directly?
No. Shivacha builds the software; payments are processed by licensed acquirers, PSPs and banks that you contract with. Our platforms integrate and orchestrate those providers.
Can you help reduce payment failures?
Yes, through smart routing, retries, network tokenisation, local payment methods and analytics on decline reasons — all subject to your provider agreements.
Next step
Discuss Your FinTech Product.
Tell us about your merchant payment platform requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.