Merchant payments, reconciled automatically end-to-end

How multiple private banks gave merchants one platform to collect, reconcile, and settle payments across every channel, with zero build on the bank side.

Merchant payments, reconciled.

One platform for collection, reconciliation, and settlement, with zero build on the bank side.

YES Smart Pay merchant payments dashboard

The Problem · The Transformation

Manual merchant collections, automated end-to-end.

Five points of friction fall away when collection, reconciliation, and settlement run on one platform.

Today · The Pain

Fragmented channels

Manual reconciliation

Slow payouts

Limited payee options

Reactive risk & NPAs

The Shift

Single gateway

3-way reconciliation

T+2 disbursements

Any channel

Early warnings

Every channel reconciled. Every payout on time.

T+2

Merchant settlement

3-Way

Auto reconciliation

24×7

Payment acceptance

Zero

Build on bank side

The Solution · Merchant Payment Reconciliation

One automated platform for collection and reconciliation

Built for banks, merchants, and payees alike, every collection through one gateway, every payout settled on T+2.

YES Smart Pay merchant payment reconciliation dashboard

Single Payment Gateway

Every collection mode, bank transfer, card, UPI, wallet, or OTC, through one consolidated gateway. Ready out of the box.

Automated 3-Way Reconciliation

Bank, PG, and Merchant accounts matched automatically, no spreadsheets, no manual reconciliation cycles.

T+2 Merchant Settlement

Scheduled disbursements settle to merchants on T+2, no daily or monthly limits on acceptance.

Open Architecture

Connect any bank, card network, UPI handle, wallet, or OTC mode, with zero build on the bank side.

Early-Warning Analytics

Built-in analytics surface predictive risk indicators across the portfolio, reducing NPAs before they materialize.

See It In Action

The platform in 90 seconds

Collection, reconciliation, and settlement, end-to-end walkthrough

How It Works

From merchant onboarding to T+2 settlement

The platform maps the full collection lifecycle onto one automated flow, every invoice tracked, every payment matched, every payout settled on time.

01Onboard
Merchant

02Build Invoice
Templates

03Raise
Invoice

04Notify &
Collect

05Reconcile
& Settle

Bank operations create the merchant profile directly through Core Banking, no custom build, no separate infrastructure to stand up.

Merchants set up dynamic invoice templates with category mapping, ready to reuse across every payee and billing cycle.

Raise invoices by Excel upload, manual entry, or API straight from the merchant’s existing core systems, bulk or single.

SMS and email alerts reach the payee instantly, then payees pay 24×7 via any bank, card, UPI, wallet, or OTC mode, no daily or monthly limits.

Automated 3-way reconciliation matches Bank, PG, and Merchant, then settles funds to the merchant on T+2, fully reconciled, every cycle.

Onboard Merchant

Bank operations create the merchant profile directly through Core Banking, no custom build, no separate infrastructure to stand up.

Build Invoice Templates

Merchants set up dynamic invoice templates with category mapping, ready to reuse across every payee and billing cycle.

Raise Invoice

Raise invoices by Excel upload, manual entry, or API straight from the merchant’s existing core systems, bulk or single.

Notify & Collect

SMS and email alerts reach the payee instantly, then payees pay 24×7 via any bank, card, UPI, wallet, or OTC mode, no daily or monthly limits.

Reconcile & Settle

Automated 3-way reconciliation matches Bank, PG, and Merchant, then settles funds to the merchant on T+2, fully reconciled, every cycle.

Proven Business Impact

Four promises, built into every deployment

White-labeled, integrated, and deployed on the bank’s own infrastructure.

T+2

Settlement

Merchants paid on T+2, every cycle.

3-Way

Reconciliation

Matched automatically, no manual effort.

24×7

Acceptance

Payees pay anytime, any way.

Weeks

Time to Go-Live

White-labeled and live in weeks, not months.

Merchant payments, reconciled automatically end-to-end