Next-Gen Payment Switch
PayXIntelligent & Digital Payments Switch
PayX is a next-generation payment switch that routes and settles every payment type — UPI, VPA, QR, biometric, card, intent, and third-party PSO — in real time, across any bank, wallet, or rail.
7
Payment rails
<200ms
Routing latency
24/7
Always-on settlement
99.9%
Switch uptime
One switch, every rail
Route and settle any payment type
PayX accepts every payment channel and settles in real time across banks, wallets, and payment service operators.
UPI Payments
Real-time, interoperable account-to-account payments at national scale.
VPA Payments
Pay to a virtual payment address — no account numbers exposed.
QR Payments
Static and dynamic scan-to-pay, instantly settled for any merchant.
Biometric Payments
Authorize with a fingerprint or face — cardless and secure.
Card Payments
Process and route card transactions across schemes and acquirers.
Intent Payments
Intent-based request-to-pay and collect flows, end to end.
Third-Party PSO
Connect external payment service operators through one switch.
How it works
From any payment to final settlement
Every transaction runs the same path — accepted on any rail, authenticated, routed, and settled in real time.
Accept
Take in any payment — UPI, VPA, QR, card, biometric, or intent — from any channel or device.
Authenticate
Authorize every transaction through DSF — biometric, two-factor, and real-time risk checks.
Route
Switch each payment to the right bank, wallet, or PSO over the fastest available rail.
Settle & reconcile
Clear and settle in real time, with automated reconciliation across every participant.
Built for institutions
Secure, compliant, and ready to deploy anywhere
Every Manam platform shares the same foundation — so whichever you start with, the guarantees are the same.
Security
End-to-end encryption, device binding, and Digital ID — bank-grade security across every channel and service.
Fraud Detection
Continuous, AI-assisted monitoring that detects and blocks fraud in real time, before it lands.
Deploy Anywhere
Cloud, on-premise, or hybrid — platform-independent and ready for regulated, air-gapped environments.
Compliance
Auditable, explainable, and standards-aligned — every action logged for regulators and leadership.
One switch for every payment.
See how PayX routes and settles every rail across your banks, wallets, and partners.