Payment services

Every rail your customers need, under one roof.

Ten production-grade payment services, sixteen vendor integrations, one API surface. Turn services on per business, per subscription — no code changes required.

All Money movement Cash-in / cash-out Card & bills In-house

Live

Domestic Money Transfer

Cash-to-account transfers to any Indian bank.

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Live

Aadhaar Enabled Payments

Cash withdrawal against Aadhaar biometric at the counter.

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Live

UPI Payouts

Push money to any VPA or bank account via UPI rails.

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Live

Bank Payouts

Bulk NEFT / IMPS / RTGS disbursement at scale.

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Live

Credit-Card Bill Pay

Pay any Indian credit card bill from the retailer counter.

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Live

Payment Gateway (Wallet top-up)

Let end-users load their wallet from any card / UPI / netbanking source.

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Live

Micro-ATM

Card + PIN cash withdrawal from a retailer's terminal.

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Live

Express Transfer

Bulk vendor payouts with penny-drop verification.

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Live

BrainBucks

In-house rewards + loyalty ledger for your customers.

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Beta

eVyapar Storefront

Give retailers a mini-storefront + digital catalog + collections.

Learn more

Money movement

DMT

Domestic Money Transfer

Cash-to-account transfers to any Indian bank.

Retailer collects cash from a walk-in customer and sends it to a beneficiary bank account via IMPS or NEFT. The Spoke owns the sender/beneficiary graph; the Hub owns the vendor call. One transaction, one debit, one signed webhook.

Managed availableBYOK available

Vendors

FinoPayment

Who it's for

Retail counters serving unbanked customers
Payment aggregators reselling to kirana stores
SMB payroll disbursement

Flow

1Retailer registers sender (KYC + Aadhaar OTP)
2Sender adds beneficiary (bank + IFSC + penny-drop verification)
3Spoke debits retailer wallet inside DB transaction + writes Outbox row
4Hub calls Fino, returns vendor reference
5Vendor callback → signed by Hub → verified by Spoke → settled

Limits & policy

Per transaction: ₹5,000 – ₹25,000
Per sender / month: ₹25,000 (RBI cap)
Mode: IMPS · NEFT
Settlement: Real-time · webhook confirmed

Highlights

Idempotent transfers — Idempotency-Key required
Penny-drop beneficiary verification
Auto-refund on vendor failure (nightly reconciliation)
Transaction receipt PDF + SMS out of the box

UPI

UPI Payouts

Push money to any VPA or bank account via UPI rails.

Send money instantly to a VPA (e.g. name@upi) or a bank+IFSC pair. Beneficiary is pre-registered at the vendor (race-safe cache in Hub DB) and reused across future payouts to the same VPA.

Managed availableBYOK available

Vendors

DecentroFrenzoPay

Who it's for

Marketplace / gig-worker disbursement
Loan / insurance payout providers
Refund automation

Flow

1Client submits VPA + amount + reference
2Hub checks UpiBeneficiary cache, registers on-vendor if new
3FrenzoPay: canonical HMAC-SHA512 signing; Decentro: header-only auth
4Status polling on `payout/{id}` — 404 handled as NotFound (not error)
5Callback + poll converge on identical settlement path

Limits & policy

Per transaction: ₹1 – ₹1,00,000
Beneficiary type: VPA · Account + IFSC
Latency: ~2s to vendor · 5-30s to bank
Reconciliation: Polled + webhook · dual-source

Highlights

Beneficiary auto-cache — pay the same VPA twice, register once
Idempotency at both Spoke and vendor layer
Amount handled as int paise end-to-end (no float ever)
Vendor duplicate-beneficiary reuse (23505 catch + re-read)

PAYOUT

Bank Payouts

Bulk NEFT / IMPS / RTGS disbursement at scale.

Programmatic bank transfers with fund-account caching per-beneficiary, X-Payout-Idempotency deduplication, and amount-in-paise conversion. Runs on multiple vendors so payout continuity survives a single-vendor outage.

Managed availableBYOK available

Vendors

RazorPayWaayuPayAUBank

Who it's for

Payroll processors
Insurance / claim disbursement
Vendor & supplier bulk payments

Flow

1Client uploads CSV or hits API per-record
2Hub creates/reuses PayoutBeneficiary cache (RazorPay fund-account)
3One outbound call per record with X-Payout-Idempotency
4Vendor async webhook or 5-min status-poll — same settlement service
5Failed records auto-refunded, retryable from admin

Limits & policy

Per transaction: ₹1 – ₹5,00,000 (mode-dependent)
Modes: NEFT · IMPS · RTGS · UPI
Batch size: 10,000 records / upload
Settlement: Sub-second (IMPS) to ~2h (NEFT)

Highlights

Fund-account caching (no duplicate registration cost)
Bulk upload with per-row dry-run validation
Failure classification: retryable vs. terminal
Signed downloadable settlement report per batch

Payment Gateway (Wallet top-up)

Let end-users load their wallet from any card / UPI / netbanking source.

PG isn't just a checkout — it's how retailers add float to their Dogma Nexus wallet. Client-ID prefixed on order ID so unauthenticated PG callbacks route back to the right Spoke without a DB lookup. SHA-512 request hash + reverse-hash callback verification (v2 addition — legacy trusted callbacks).

Managed availableBYOK available

Vendors

PayUSafexPayPayTring

Who it's for

Retailer wallet self-service top-up
Consumer-facing wallet apps
Merchant-facing collection tools

Flow

1Spoke `POST /api/payment/orders` — creates idempotent WalletFundOrder
2Hub `POST /api/payment/prepare` returns hash + form fields
3User completes checkout on vendor page
4Vendor callback → Hub verifies reverse-hash → routes to Spoke
5Deterministic key `pg-topup:{orderId}` — credit exactly once

Limits & policy

Per transaction: ₹1 – ₹1,00,000 (KYC-tiered)
Methods: Cards · UPI · Netbanking · Wallets
MDR: Vendor-defined (transparent to end-user)
Settlement: T+1 to retailer wallet

Highlights

Reverse-hash callback verification (spoof-proof)
Auto-submit HTML trampoline for SPAs (`/checkout` route)
Form-field cache for retry (`LastFormFieldsJson`)
PgTopupReconciliation runs every 5 min for orders > 15 min old

EXP

Express Transfer

Bulk vendor payouts with penny-drop verification.

A hybrid of DMT and Payouts: Fino runs penny-drop IMPS/NEFT verification, WaayuPay v2 runs the actual transfer. One keyed router picks the right vendor for each leg based on config.

Managed availableBYOK available

Vendors

WaayuPay v2FinoPayment (verification only)

Who it's for

Corporates paying frequent vendor invoices
Marketplaces with recurring seller settlement

Flow

1Client submits account + IFSC + amount
2Fino penny-drop verification (₹1 IMPS + reverse-lookup)
3On name-match confidence ≥ threshold → WaayuPay outbound transfer
4Auth-in-body clientId+secretKey to WaayuPay `payout/payout`
5transferMode discriminates Express from Payout on same endpoint

Limits & policy

Per transaction: ₹100 – ₹5,00,000
Verification fee: ₹1 penny-drop (refunded)
Name-match: Fuzzy score with configurable threshold
Latency: ~15s incl. verification

Highlights

Two-vendor split — verify with A, transfer with B
Name-match confidence score in every response
Reject-list of high-risk account patterns
Same settlement path as Payouts (deterministic key)

Cash-in / cash-out

AEPS

Aadhaar Enabled Payments

Cash withdrawal against Aadhaar biometric at the counter.

The retailer scans the customer's Aadhaar + biometric fingerprint; Dogma Nexus routes the request to NPCI via the chosen switching partner and, on success, dispenses cash from the retailer's own float. Full 7-method port including Check2FA, Authentication, InitTransaction, MiniStatement, and status polling.

Managed availableBYOK available

Vendors

CredoPayInstantPayFingPay

Who it's for

Rural / semi-urban retail micro-ATM operators
Business correspondents
BC network aggregators

Flow

1Retailer scans customer Aadhaar (12 digits) + captures biometric
2Spoke encrypts aadhaar (AES-256-ECB for CredoPay, AES-256-CBC for InstantPay)
3Hub routes to primary vendor; falls back to secondary on transport error
4Vendor returns SUCCESS/PENDING → wallet credited with deterministic key `aeps-credit:{txnId}`
54h–24h reconciler polls Hub `/api/aeps/status` for stuck txns — silent-fail policy retired

Limits & policy

Per transaction: ₹100 – ₹10,000
Per customer / day: ₹10,000 (RBI cap)
Operations: Withdrawal · Balance · Mini-statement
Settlement: T+1 via NPCI

Highlights

MD5-hex `hashed_aadhar` derivation done in-Hub — never in client code
Two-layer encryption (aadhaar inline + envelope-encrypted body)
Only WITHDRAWAL credits wallet; enquiries record-only
CheckStatusAsync poll on 30-min cadence for the recon window

MATM

Micro-ATM

Card + PIN cash withdrawal from a retailer's terminal.

The terminal SDK initiates on the retailer's Android device; Dogma Nexus only runs status-check + settlement. Old default-fail policy retired — silently marking stuck txns FAILED would swallow real cash-dispensed events.

Managed available

Vendors

CredoPay

Who it's for

Retailers with MATM hardware (MOSAMBEE, Bijlipay, etc.)
BC network operators with terminal fleet

Flow

1Terminal SDK captures card + PIN, initiates txn directly to switch
2SDK posts txn ref back to Spoke `POST /api/matm/status`
3Hub `POST /api/matm/status` polls CredoPay for ground truth
4SettlementService credits with `matm-credit:{txnId}` — exactly once
5Reconciler poll every 30 min in the 4h-24h window

Limits & policy

Per transaction: ₹100 – ₹10,000
Operations: Withdrawal · Balance
Networks: Visa · MasterCard · RuPay
Cash-dispense verified: Vendor ground truth only

Highlights

Never default-fails a stuck txn (safety over speed)
Shared IMatmSettlementService (webhook + reconciler)
Terminal SDK independence — swap vendors without app change
Status polling as first-class settlement path

Card & bills

Credit-Card Bill Pay

Pay any Indian credit card bill from the retailer counter.

Customer walks in with a card statement or number; retailer collects cash and pays the bill via a two-step OTP flow. HS256 JWT auth to PaySprint, guaranteed OTP delivery, receipt to customer's phone.

Managed availableBYOK available

Vendors

PaySprint

Who it's for

Retail counters offering value-added services
Fintech apps embedded in QR-code merchant POS

Flow

1Retailer enters card number + amount + customer mobile
2Hub calls PaySprint `initiate-bill-pay`; OTP sent to customer
3Customer reads OTP to retailer; retailer submits step 2
4Wallet debit + Hub call inside single DB transaction
5Success SMS + PDF receipt to customer's phone

Limits & policy

Per transaction: ₹100 – ₹49,999
Per customer / month: ₹1,00,000
Networks: Visa · MasterCard · RuPay · Amex
OTP validity: 5 minutes

Highlights

HS256 JWT auth — refreshed automatically
OTP re-send with rate-limit at the Hub
Auto-refund on 4xx-after-OTP
Idempotent from step 1 — safe to retry

In-house

BBUX

BrainBucks

In-house rewards + loyalty ledger for your customers.

A parallel wallet — earn on qualifying transactions (DMT, AEPS, UPI …), burn on discounted services or cash-out. Runs on the same double-entry ledger primitives as the money wallet, so accountants aren't juggling two systems.

Managed availableBYOK available

Who it's for

Retention programs for retailer networks
Cashback on select payment services
Referral incentives

Flow

1Earn rules: config-driven (e.g. `dmt.success → 0.05% credit`)
2Ledger insert-only, same schema shape as WalletTransaction
3Burn: at checkout, quote available bucks + effective price
4Bucks-to-cash rate configurable per business
5Full audit + expiration policy

Limits & policy

Earn rules: Per-service, config-driven
Burn rate: Per-business configurable
Expiration: Optional (default: never)
Ledger: Double-entry, insert-only

Highlights

No third-party integration cost
Runs on identical primitives to money wallet
Bulk credit / debit for campaigns
Historical statement per customer

EVYP

eVyapar Storefront

Give retailers a mini-storefront + digital catalog + collections.

Retailers publish an inventory (products, prices, images), share a link with customers, and collect via UPI or PG. Order + collection + settlement all threaded to the same wallet.

Managed availableBYOK available

Who it's for

Kirana stores going digital-first
Distributors managing downstream retailer catalogs
Local B2B marketplaces

Flow

1Retailer creates catalog in admin (bulk CSV or per-item)
2Storefront auto-published at `<biz>.dogmanexus.shop/<retailer>`
3Customer scans QR / opens link, selects, checks out
4Payment routes via PG or direct UPI collect
5Order confirmation + settlement threaded to retailer wallet

Limits & policy

Catalog size: Unlimited
Image hosting: Included, CDN-delivered
Checkout methods: UPI collect · PG (all methods)
Order status: Realtime webhook to retailer app

Highlights

Zero-code storefront per retailer
Bulk catalog upload + editing
Inventory sync via API
Refund flow bound to original wallet credit

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