PQ

PayQube

Future Systems & Merchant Suite

Make your payment gateway future-ready. Innovative systems — built for merchants.

IVR DialPay, AI Fraud Engine, Smart Routing, Offline SmartPay, Merchant Wallets, White-label, and much more. Everything designed to give each merchant full control and new revenue streams.

99.8% Smart Routing
Auto choose fastest PSP / bank for higher success rate.
Instant Payouts
Close loops with instant merchant settlements.
IVR

IVR DialPay

Users confirm payments over a secure voice call — ideal for low-network regions. (Press 1 to confirm)

Live Simulation
When user clicks pay, PayQube triggers an IVR call from your provider (Exotel / Twilio) and waits for DTMF confirmation.

Core Future Systems

Har system me "Coming Soon" label diya hua hai — aap codebase me endpoints replace karke immediately enable kar sakte ho.

Smart Payment Routing

AI decides best PSP / bank to route transactions for maximum success.

MUST
AI Routing MDR Opt
Coming Soon

Merchant Wallet & Credit

Internal wallet, instant payouts & short-term credit lines.

FINTECH

IVR DialPay

Call based confirmation flow using Exotel / Twilio. Works on feature phones.

VOICE
Coming Soon

BBPS Utility Billpay

Integrate with BBPS to offer electricity, mobile, DTH, water bill payments.

BILL

AI Fraud Detection

Behavior analytics, velocity checks & device fingerprinting.

SECURE
Coming Soon

White-Label / Partner Resellers

Let merchants launch their own branded mini-gateway.

SCALE

Offline SmartPay

Pre-authorized tokens & QR offline mode that syncs when network returns.

OFFLINE
Coming Soon

Instant Payout Engine

24x7 merchant payouts to bank or UPI instantly.

PAYOUT

Smart Analytics

Actionable insights, churn alerts, best-performing payment methods.

DATA
Coming Soon

Merchant Tools (Preview)

Each merchant portal card below shows a quick UI mock and the endpoint hooks where backend logic should live.

Merchant Dashboard

Overview, live settlements, dispute center, payout requests.

Sample API Hooks
GET /api/merchant/{id}/transactions
POST /api/merchant/{id}/payout
GET /api/merchant/{id}/reconciliation

White-label Builder

Create custom domains, brand colors, and invoice templates for resellers.

Sample API Hooks
POST /api/partner/create
POST /api/partner/{id}/branding
GET /api/partner/{id}/usage

IVR / Call Studio

Design voice flows and DTMF handlers. Integrate Exotel / Twilio provider credentials here.

Sample IVR Hooks
POST /api/ivr/start {mobile, amount, txn_id}
POST /api/ivr/response {txn_id, digits}
GET /api/ivr/logs?txn_id={txn_id}

BBPS / Bill Fetch

Connect with BBPS partners for bill fetch and payment flows.

Sample Hooks
POST /api/bbps/fetch {provider, consumer_id}
POST /api/bbps/pay {bill_id, amount, payment_mode}