Acquiring
Solutions

Seamless | Secure | Scalable

Wibmo

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The Business Challenge

In today’s digital-first economy, merchants and payment aggregators face increasing pressure to onboard faster, ensure compliance, reduce fraud, manage settlement complexities, and deliver seamless customer experiences. Traditional systems often fall short—manual onboarding, fragmented integrations, limited payment options, and complex reconciliations create operational bottlenecks and increased risk.

Delays in merchant onboarding and compliance (KYC, fraud checks)

Lack of modular integration kits and real-time monitoring

Complex settlements and poor visibility into transaction lifecycles

Payment failures due to inflexible acquiring switches

Inability to support next-gen payment options like UPI, EMI, BNPL, etc.

High transaction costs due to third-party dependencies

Wibmo + PayU Payment Stack:

A Full-Stack Acquiring Solution

Wibmo’s robust acquiring stack, integrated with PayU’s payment infrastructure, is built to solve these challenges end-to-end. Whether you’re a bank, aggregator, fintech, or enterprise, our platform enables faster onboarding, powerful fraud risk management (FRM), seamless payments, real-time settlements, and unmatched flexibility.

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Our End-to-End Platform Capabilities

Onboarding

  • Aggregator and Bank Checkout Integration
  • Plug-and-play integration kits
  • UPI Direct, Netbanking, and Card-based flows supported

Integrations

  • Bulk & Digital KYC onboarding
  • Screen-based onboarding with risk evaluation via web crawlers
  • Support for aggregators, fintechs, and direct merchants
  • Fast-tracked integration using prebuilt kits
  • Full lifecycle tools: MID/TID, MDR management, and status tracking
  • Support for onboarding, staging, and lifecycle workflows

Merchant Management

Payments & Acceptance

  • Trident FRM Tool: Real-time alerts, velocity checks, and fraud holds
  • Online and offline monitoring
  • Alert configuration & fraud resolution dashboard

FRM

(Fraud Risk Management)

  • Authentication + Authorization Switch
  • Support for UPI, SI, EMI, Wallets, BNPL, Card Payments
  • On-us routing capabilities to lower transaction costs
  • Scheme and merchant settlement automation
  • Payout management, bank portal access
  • MIS and real-time transparency

Reconciliation & Settlement

Front-End Portals

  • Express Pay, Token Vault, Payment Links, MCP/DCC
  • On-us routing and tokenization for cost-efficiency and security

Value-Added Services (VAS)

  • Separate Bank and Merchant Portals
  • Streamlined issue management process

What Sets Us Apart

  • End-to-End Acquiring with no third-party dependencies
  • Own Acquiring Switch and routing intelligence
  • Tokenization-first architecture to future-proof security
  • Express Pay for faster checkouts
  • Customization at every stage of the merchant lifecycle
  • Cost savings via on-us transaction routing
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Strategic Value for Banks & Partners

Banks can offer acquiring-as-a-service to fintechs and aggregators

Use Wibmo’s stack to onboard MSMEs, SMEs, and large merchants rapidly

Eliminate friction with ready Bank Checkout Pages and Direct UPI integrations

Minimize transaction cost with onus routing via issuer switch

Transform the Way You Acquire

Whether you're a traditional bank transforming digitally or a fintech scaling fast—Wibmo’s acquiring stack ensures speed, security, and scale at every step.

Let’s build the future of payments - together.