Orchestration
for Every Merchant
SwinkPay connects offline stores and online merchants to multiple banks & payment aggregators — acting as the orchestration layer, we track every payment until it settles directly to your bank. We never hold your funds.
Earn Cashback on Every
Payment at Our Merchants
SwinkPay is a proud BHIM partner — customers who pay at any SwinkPay merchant using BHIM UPI are eligible for exclusive cashback rewards. More savings, every transaction.
The Orchestration Layer
between Merchants & Banks
SwinkPay is an Orchestration Platform focused on offline stores and online merchants. We onboard merchants simultaneously with multiple banks and payment aggregators — acting as the middle layer that ensures every transaction flows directly to your bank account. SwinkPay never holds your funds.
Merchants get Static QR (dual side display), Dynamic QR, and EDC solutions for in-store payments and a Payment Web-Plugin for online stores — all manageable through the SwinkPay Vyvahar merchant app on Google Play Store & App Store. We also provide MQTT-based Soundbox for instant payment audio confirmation.
Our platform is PCIDSS Certified and CERT-IN Compliant, giving merchants and their customers enterprise-grade payment security across every transaction channel.
From merchant onboarding to bank settlement
SwinkPay onboards the merchant with multiple banks & PGs simultaneously — Static QR (dual side), Dynamic QR, EDC terminal, Web-Plugin and MQTT Soundbox — all in one go.
Customer pays via QR (UPI), EDC terminal or web-plugin. SwinkPay routes through the best available bank or PG in real time.
Funds settle directly into the merchant's bank account. SwinkPay never holds the transaction amount — zero float, zero risk.
SwinkPay provides a merchant dashboard for complete transaction visibility. The SwinkPay Vyvahar app enables real-time MIS, daily reconciliation reports, and channel-wise breakdown (Visa, MC, UPI, Wallets).
One platform, end-to-end
From collection to reconciliation to reporting — everything merchants need in a single integrated platform.
Static QR, Dynamic QR, EDC & Web-Plugin
SwinkPay gives merchants powerful collection tools — settling directly to the merchant's bank with zero fund holding. EDC terminal support integrated alongside QR and web payments.
- Static QR (Dual Side) — displayed on counter, works for any UPI app
- Dynamic QR — unique QR per transaction, eliminates reconciliation errors
- Payment Web-Plugin — embeds directly into online merchant stores
- EDC Terminal — full card-based collection with multi-bank routing
- MQTT Soundbox — instant audio confirmation for every payment
- SwinkPay Vyvahar App — merchant app on Play Store & App Store
- Multi-bank orchestration — best route selected automatically
- Zero fund holding — amounts flow directly to merchant's bank
Invoice-wise Till-to-Bank Matching
SwinkPay's core USP — daily invoice-wise reconciliation that tracks each payment from the billing counter to the ultimate bank credit, with zero manual effort.
- End-of-day reconciliation across all payment channels
- Dynamic QR per transaction — reduced reconciliation complexity
- Unified for both online & in-store transactions
- Single MIS across Company and Franchise operations
- Non-intrusive integration with existing PA / PG setup
- Instant dispute identification and resolution
Unified Dashboard & Daily Reports
A comprehensive MIS dashboard giving merchants complete visibility — transaction-level data, channel-wise breakdown, franchise vs. own-store comparison, all in real time.
- Daily settlement reports delivered automatically
- Single MIS for own stores and franchise operations
- Channel-wise breakdown (Visa, MC, UPI, Wallets)
- Data mining and marketing insights
- Configurable reports and export options
- Trend analysis and revenue forecasting
NFT Chain Vault & PCI-DSS Certified
SwinkPay's proprietary NFT-based Chain Vault eliminates the need for a traditional card vault while providing enterprise-grade security for every transaction.
- PCI-DSS Certified — global payment security standard
- CERT-IN Compliant — Government of India cybersecurity
- Proprietary NFT-based Chain Vault — no card data stored
- Safe and contactless payment architecture
- End-to-end encryption for all transaction data
- Single OTP for loyalty redemption and payment
Why merchants love SwinkPay
- Ease out end-of-day reconciliation across all payment channels
- Unified for both online & in-store transactions
- Single MIS across Company and Franchise operations
- Dual side Static QR for better payment strike rate
- Dynamic QR for each transaction — reduced reconciliation needs
- Non-intrusive with existing PA / PG arrangement
- Enhanced customer experience at point of checkout
- Safe and contactless payment — UPI, Cards, Wallets, Net-Banking, EDC
- Single app for both online & in-store purchase experience
- Use all sources of funds — any payment mode accepted
- Faster checkout — Dynamic QR or EDC, no terminal wait
- Instant audio confirmation via MQTT Soundbox at checkout
Vision & Mission
Empower Merchants with 100% Accuracy
- Empower merchants to attain 100% accuracy in reconciling their end-of-day transactions with an integrated platform
- Provide digital payment solutions that are simple, safe and secured for merchants and customers
Secure Solutions, Unified View
- Continue to create secured solutions that are easy to implement across all merchant categories
- Help merchants get a unified view of transactions from different payment channels with 100% reconciled reports
Powering merchants across every sector
Trusted by leading brands across India
From F&B chains and hospitals to automotive specialists — SwinkPay powers payments across diverse merchant categories.
Choose the right solution for your business
From full-scale digital transformation to pick-and-choose modules — SwinkPay has a solution for every merchant.
Complete digital payment transformation journey — from merchant onboarding to dynamic QR deployment, reconciliation and settlement, all managed end-to-end.
Ease out reconciliation, reduce EDC dependency, offer customers a seamless checkout with all payment modes — for high-footfall merchants wanting to reduce transaction time.
End-to-end white-labelled platform with SwinkPay's full stack — Collection App, Reconciliation Engine, MIS Dashboard, and Analytics, all under your brand.
Pick only the modules you need — Collection App, Reconciliation, MIS, or Security layer. Flexible, modular, and cost-efficient for any business size.
Everything merchants need, in one platform
Static QR (dual side), Dynamic QR per transaction, and Payment Web-Plugin for online stores — all settling directly to the merchant's bank. Zero fund holding.
PCI-DSS certified. Proprietary NFT-based Chain Vault removes the need for a traditional card vault.
SwinkPay Vyvahar — merchant app on Google Play Store & App Store. Manage transactions, view MIS and track settlements in real time.
Instant audio payment confirmation via MQTT-based Soundbox — real-time alerts for merchants at the point of sale.
Daily reconciliation for all in-store and online purchases — own and franchise stores.
Data mining and marketing-related insights to help merchants understand customers and optimise revenue.
From ‘Till’ to Bank — fully connected
Every payment captured, every invoice matched, every settlement confirmed — automatically.
Register with SwinkPay
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3rd Floor, Rishab Arcade,
Raj Mahal Vilas 2nd Stage,
Sanjay Nagar Main Road,
Bengaluru – 560094, Karnataka.
Incorporated Dec 2019, Bengaluru