Payments infrastructure
A white-label payment platform you own and operate. It carries your brand, runs in your cloud, keeps the provider terms you already negotiated, and handles routing, splits and reconciliation for you.
What it is
Your product integrates once against one REST API, and the routing engine decides which acquirer takes each transaction and how the money settles.
Sub-merchant onboarding, KYC capture, per-merchant pricing, split rules and payouts ship with it, so a marketplace can take payments for thousands of sellers.
Capabilities
Five modules sharing one merchant model, one ledger and one audit trail.
Rules and live health signals route each authorisation by scheme, geography, ticket size or merchant tier, and fail declines over to the next acquirer.
Hosted checkout, drop-in web SDK and native mobile SDKs cover 3-D Secure 2 cards, wallets, UPI, net banking, pay-by-link and QR.
A guided flow collects registration documents and bank proofs, runs your KYC and sanctions checks, and activates each merchant on its own pricing plan.
Split one payment across sub-merchants, commission, tax and partner fees, with per-merchant payout schedules, holds and rolling reserves.
Acquirer settlement files, bank statements and scheme reports match line by line against the ledger, surfacing only what disagrees.
See it on your traffic
Bring a week of transaction and settlement data. We will replay it through the routing engine and show what today costs in declines and unmatched lines.
Inside the platform
Three surfaces: your operations desk, each merchant, and your engineers.
Watch acquirer health live, edit routing rules by scheme or geography, and work the reconciliation exception queue.
Sub-merchants complete guided KYC capture, then track their own transactions, splits, payout schedule and reserves.
A hosted checkout, drop-in web SDK and native mobile SDKs cover cards, wallets, pay-by-link and QR.
Own it, don't rent it
Your brand on the front, your cloud underneath, your commercial terms intact.
Your name on the checkout, the dashboard and the receipts, not a third party's.
Deployed into your own account, with your team holding the keys and the data.
Provider-agnostic, so the pricing and relationships you already negotiated stay yours.
Add methods, markets and merchants on your schedule, without waiting on a vendor.
How it's different
Every row below is a place the usual arrangement leaks.
One integration per acquirer, settlement matched in spreadsheets.
One API across every acquirer, with routing, splits and reconciliation built in.
How it works
Point your checkout at the hosted page, SDK or REST API.
Your acquiring relationships, wallet providers and bank rails become connectors, with routing rules written against the terms you already negotiated.
The platform mirrors production traffic without moving money, so you can compare its routing and reconciliation against your current stack.
Shift traffic percentage by percentage.
See it before you commit
A typical rollout runs in shadow mode against live traffic first, so you can compare routing and reconciliation before a single payment moves.
Use cases
Built for teams that process payments on behalf of others.
One shopper payment splits across the seller, platform commission and tax withholding, each with its own payout schedule and reserve.
Split, held and paid out without custom scripts
The PSP onboards sub-merchants through guided KYC, prices each on its own MDR, and routes traffic across its own acquiring relationships.
A branded PSP stack without building one
Traffic is weighted across three acquirers.
Checkout survives an acquirer incident
Payment methods, acquirers and settlement currencies are configured per country, with data kept in the tenancy each regulator expects.
New market added by configuration
Integrations
API-first and acquirer-agnostic, plugging into the relationships you already hold.
Security & compliance
Where card data lives, who can reach it, and what is logged.
PANs are captured in a hosted field and exchanged for a token in a segregated vault, so your app and logs only hold tokens.
AES-256 at rest with per-tenant key separation and TLS 1.3 in transit, with vault keys in a managed KMS or HSM.
Every authorisation, routing decision, refund, split and payout is written to an append-only log with the rule applied.
Deploy into your own cloud account or a regional tenancy, with per-market tenancies isolated from each other entirely.
Why choose us
This is infrastructure that touches money on every request.
Book a demoWe build and maintain software for banks, lenders and payment companies, with the review and change-control habits that demands.
The demo is the product processing representative traffic through routing, splits and reconciliation.
It runs in your cloud account under your brand, with infrastructure-as-code and your team holding the keys.
Licensed deployments include codebase access, so your engineers can audit the routing logic or extend a connector.
Client reviews. Real outcomes.
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
Frequently asked
Still unsure? Send us the question you actually need answered and a senior engineer will reply.
Book a demoNo. It is acquirer-agnostic and sits in front of the relationships you already hold, on the pricing you already negotiated. Most rollouts start with the incumbent acquirer in shadow mode.
Card numbers are captured in hosted fields and exchanged immediately for a token in a segregated vault, so your app, logs and database only see tokens. The architecture is designed to keep your wider stack out of PCI DSS scope; exact scope and certification path are confirmed per deployment.
Yes. Everything is exposed over versioned REST APIs and signed webhooks with idempotency keys and OpenAPI specs. Acquirers, KYC providers, fraud engines, payout rails and accounting systems are connectors behind documented interfaces.
You choose. The platform deploys into your own cloud account or a regional tenancy we operate. Multi-market operators can run isolated per-country tenancies with no data crossing between them.
It provides the operational controls a regulated aggregator needs: guided KYC and KYB capture with document retention, sanctions and PEP screening hooks, per-merchant risk limits, maker-checker approval on payouts, and an immutable audit trail. Licensing and regulatory authorisation remain yours as the operator.
Tell us your volumes, your acquirers and where the money currently gets stuck. A senior engineer will walk you through routing, splits and reconciliation on representative data.
Share your context
Volumes, acquirers and markets. We sign an NDA first.
See a live walkthrough
Routing, failover, split settlement and reconciliation on representative data.
Get a rollout plan
Connector list, shadow-run approach, cutover sequence and licensing.
Tell us your volumes, your acquirers and where the money currently gets stuck. A senior engineer will walk you through routing, splits and reconciliation on representative data.
