We build payment switches, mandate engines, risk systems, and reconciliation platforms — designed around how your institution actually operates, not how a generic product assumes it does.
Why generic platforms fall short.
Banks and fintechs discover that off-the-shelf payment infrastructure doesn't account for the operational complexity of regulated financial businesses.
It needs routing, state tracking, reversal handling, settlement, and a full dispute trail. Most integrations handle the happy path. The edge cases are what break operations at 2am.
Banks have maker-checker requirements, internal signing hierarchies, and controls that no off-the-shelf product was built for. You end up working around the tool rather than with it.
Every integration has its own protocol, timeout behaviour, and failure mode. Without a proper orchestration layer, that inconsistency spreads through your product and your operations team.
When regulators ask for transaction records or a reconciliation breaks at month-end, the answer depends on decisions made at design time — not something you can bolt on later.
What we build.
Switching and orchestration technology for authorized payment participants — managing routing, lifecycle states, integrations, reversals, disputes, and operational monitoring.
Recurring-payment infrastructure supporting eNACH, UPI AutoPay, and other mandate integrations — from registration and presentation to retries, reconciliation, and closure.
Custom payout infrastructure for organizations that require control over bank integrations, routing policies, approvals, transaction states, retries, and reconciliation.
Configurable verification systems for individuals, businesses, documents, and bank accounts — incorporated into onboarding, transaction, and risk workflows.
Risk engines that evaluate transactions, users, beneficiaries, devices, and behavioural signals against configurable business and compliance policies.
Reconciliation and operations platforms that match records across banks, payment networks, internal systems, and ledgers while helping teams investigate exceptions.
Ecosystem partners.
Banks, small finance banks, payment banks, and gateways we have worked with across India.
Banks
Gateways
How we work.
We start with how your business actually runs — transaction flows, partner relationships, approval processes, risk policies, accounting requirements, regulatory obligations. Architecture comes after we understand what we're building for.
We convert operational requirements into systems with clear boundaries, configurable rules, and failure handling that's part of the design — not an afterthought. Delivery runs in focused cycles with regular reviews.
We connect to your banks, providers, networks, and ledgers — then run each critical flow through success, timeout, reversal, and exception scenarios before anything touches production.
We stay through go-live, production stabilization, and the first wave of real-world edge cases. The same team that built it handles the optimization, scaling, and continued development.
Integration engineering.
We develop the integration layer between your financial product and the banks, networks, verification providers, ledgers, and operational systems it depends on.
Engineering foundations.
We design security, resilience, data protection, operational controls, and auditability into the system architecture — aligned with the client's applicable policies, partner requirements, and regulatory obligations.
Systems can be designed to support applicable security and compliance requirements, including client-defined controls and standards.
Why Vrikalytics.
UPI switches, mandate processing engines, payout platforms, reconciliation systems — we've built them. We don't spend your project budget learning the domain.
Approval hierarchies, routing policies, partner controls, accounting integrations — we design around your actual operation, not a generic workflow someone else configured.
Deployed in your environment, integrated with your partners, built on your stack. No platform dependency, no usage fees, no SLA tied to our uptime.
Partial settlements, duplicate payments, bank timeouts, reversal edge cases — we build recovery paths, operational alerts, and team tooling for what actually goes wrong in production.
We don't hand off after delivery. The engineers who designed the system handle stabilization, performance work, and continued feature development.
Different banks, different protocols, different quirks in production. We know the integration surface from signed contracts to the edge cases that only show up at volume.
FAQ.
No. Vrikalytics is a technology design and software-development partner. We build payment and financial infrastructure for clients that operate through their own authorized banking, network, and ecosystem relationships.
We work with banks, fintech companies, NBFCs, lenders, insurers, wealth platforms, payment companies, and other businesses developing financial products or modernizing financial infrastructure.
Yes. We can design the orchestration and integration layer around your approved banks, payment providers, verification partners, and internal platforms.
Our core strength is custom financial-technology development. Where appropriate, reusable engineering components and architectural patterns can accelerate delivery without limiting the client's control or requirements.
Yes. We can assess legacy platforms, identify operational and technical risks, and modernize individual components or progressively replace the complete system.
Yes. We can operate as an embedded specialist team, own a defined system or module, or manage the complete engineering lifecycle.
Security and applicable compliance requirements are considered during discovery and architecture, then carried through development, testing, deployment, and operational design. Regulatory responsibility and final compliance validation remain with the relevant authorized or regulated entity.
We can provide technical support for integration testing, transaction simulation, documentation, issue resolution, and production-readiness activities required by the client's banking or ecosystem partners.
Yes. Engagements can include production stabilization, monitoring, incident investigation, performance optimization, maintenance, and continued feature development.
The timeline depends on scope, integrations, regulatory dependencies, and system complexity. Following discovery, we provide a phased delivery plan with clearly defined milestones and responsibilities.
Get in touch.
Share the system, integration, or operational problem you're working on. We'll tell you how we'd approach it — the architecture, the integrations, and where the real complexity sits.