ESTABIZZ FINANCIAL TECHNOLOGY INDIA
01 / 03 THE FUTURE OF FINANCIAL INFRASTRUCTURE

Your next financial product starts here.

From the first digital account to a fully connected payment ecosystem, build with modular banking technology, considered architecture and a commercial pathway designed around your ambition.

Make every transaction an opportunity.

Bring card programmes, digital issuance, transaction controls and secure processing together in a thoughtfully designed customer experience—without building every component from the ground up.

Accept more. Connect more. Grow on your terms.

Explore merchant acceptance, online checkout, SoftPOS and payment integrations—with the operational visibility to support a business ready for its next stage.

Explore the solutions Discover Pay While You Earn
MODULAR DEPLOYMENT ✦ INDIA-FOCUSED DESIGN ✦ COMMERCIALLY FLEXIBLE
ESTABIZZ / DIGITAL BANKING01 — CONNECTED CORE
FINANCIAL OPERATING SYSTEM ● LIVE ARCHITECTURE

One intelligent
banking ecosystem.

CORE ENGINE
APIKYCDATAMOBILE
Connected infrastructureMODULAR / API-LED
CONNECTED CHANNELSBanking · Mobile · API
Configure. Integrate. Scale.
ESTABIZZ / CARD INFRASTRUCTURE02 — ISSUING & PROCESSING
ESTABIZZ / CARD TECHNOLOGY
••••   ••••   ••••   2048
ESTABIZZCONTACTLESS )))
••••   ••••   ••••   2026
CARD PROGRAMME TECHNOLOGYVIRTUAL / PHYSICAL
Card issuingTokenisationControls
PAYMENT EXPERIENCEDigital-first card journeys
Issuing technology · Network integration
ESTABIZZ / PAYMENT ACCEPTANCE03 — COMMERCE CONNECTED
ESTABIZZ / CHECKOUT
PAYMENT ACCEPTANCETap · Link · QR · Online
✓   Connected channels
↗   SOFTPOS
◈   GATEWAY
▦   QR
MERCHANT EXPERIENCEOne connected acceptance layer
Accept · Reconcile · Grow
ESTABIZZ / TECHNOLOGY SHOWCASEILLUSTRATIVE VISUALS · NOT LIVE TRANSACTION DATA
DISCOVER THE COMPLETE SOLUTION SUITE

Everything your next-generation
financial business needs.

Explore every capability through our interactive product directory. Select a service from the expandable menu to view its purpose, business applications and delivery considerations beside it.

Digital Banking & Core Infrastructure18
Card Issuing & Processing13
Merchant Acquiring & Payments19
Fraud, Loyalty & Managed Operations9
DIGITAL BANKING & CORE INFRASTRUCTURE

SaaS Core Banking

Purpose-built for your business

WHERE IT FITS
IMPLEMENTATION APPROACH
Explore detailed capability ↗Request tailored proposal ↗

Solution configuration, regulated activities and commercial terms are subject to technical and legal assessment.

BANKING INFRASTRUCTURE / 01

Build a connected banking experience

From essential ledger functions to secure customer channels, select the modules your institution needs and expand them in stages.

18modules and services
THE INTELLIGENT BANKING FOUNDATION

One connected universe for modern banking.

Bring the essential banking engine, digital customer experience and operational intelligence into one thoughtfully orchestrated ecosystem. Start with the functions you need today; add new products and channels when your ambition grows.

Core bankingDigital onboardingPayments engineMobile banking
Discover all 18 solutions ↗
01CUSTOMER CHANNELS
02API ORCHESTRATION
03CORE ENGINE
04DATA & INSIGHTS
FULL CAPABILITY DIRECTORY
E.
ESTABIZZ PRIVATE SOLUTION BRIEFCurated technology · Made for your business
EDITION 2026
PERSONALISED SOLUTION BRIEF
SOLUTION 01 / 18
DIGITAL BANKING & CORE INFRASTRUCTURE

SaaS core banking

Modular platform architecture for regulated banking operations, product configuration and connected transaction services.

API
DATA
SECURE
DIGITAL SOLUTION ARCHITECTURESaaS core bankingExplore • Configure • Scale
CONFIGURABLE ARCHITECTUREINDIA-FOCUSED ASSESSMENTSCALABLE DEPLOYMENT
THE ESTABIZZ APPROACHBuilt around your ambition, not a fixed template.
OPPORTUNITY

The opportunity

Modular platform architecture for regulated banking operations, product configuration and connected transaction services. Build the banking experiences your customers expect.

AUDIENCE

Designed for

Regulated banks, eligible NBFCs and fintech technology programmes

PRACTICAL APPLICATION

How it fits your operations

Banking transformation · customer onboarding · API-enabled fintech ecosystems

Made for your operating model

Modular by design. Implementation scope, integrations and service commitments are tailored to your business and applicable approvals.

DELIVERY

Our approach

Solution discovery → integration blueprint → controlled pilot → scaled rollout

ASSURANCE

Security, integration & governance

Customer onboarding, core system interoperability, ledger accuracy, access controls and data stewardship

Request a tailored solution proposal ↗

Technology availability, integration scope and regulated activities are subject to technical and contractual assessment.

ESTABIZZ / SOLUTION INTELLIGENCE / BUILT AROUND YOUR AMBITION
CARD TECHNOLOGY / 02

Launch controlled, branded card programmes

Enable authorised issuers and programme partners to create differentiated payment-card experiences with lifecycle management and intelligent controls.

13modules and services
A NEW ERA OF CARD EXPERIENCES

From a card idea to a distinctive programme.

Create an end-to-end card experience spanning programme design, digital and physical issuance, permissions, transaction management and customer control—with issuing partners and network approvals built into the plan.

Card programmesVirtual issuanceSmart controlsTokenisation
Discover all 13 solutions ↗
01PROGRAMME DESIGN
02CARD LIFECYCLE
03TRANSACTION CONTROLS
04CUSTOMER EXPERIENCE
FULL CAPABILITY DIRECTORY
E.
ESTABIZZ PRIVATE SOLUTION BRIEFCurated technology · Made for your business
EDITION 2026
PERSONALISED SOLUTION BRIEF
SOLUTION 01 / 13
CARD ISSUING & PROCESSING

Card management system

Manage the issuance, activation, suspension, renewal and servicing of card portfolios.

API
DATA
SECURE
DIGITAL SOLUTION ARCHITECTURESaaS core bankingExplore • Configure • Scale
CONFIGURABLE ARCHITECTUREINDIA-FOCUSED ASSESSMENTSCALABLE DEPLOYMENT
THE ESTABIZZ APPROACHBuilt around your ambition, not a fixed template.
OPPORTUNITY

The opportunity

Manage the issuance, activation, suspension, renewal and servicing of card portfolios. Turn a payment-card concept into a well-managed programme.

AUDIENCE

Designed for

Eligible issuers, fintech programme managers, enterprise spending programmes

PRACTICAL APPLICATION

How it fits your operations

Consumer and corporate cards · expense programmes · digital issuance

Made for your operating model

Modular by design. Implementation scope, integrations and service commitments are tailored to your business and applicable approvals.

DELIVERY

Our approach

Card programme design → sponsor/network approvals → integration and testing → monitored rollout

ASSURANCE

Security, integration & governance

Issuer sponsorship, scheme eligibility, PCI responsibilities, authentication and dispute operations

Request a tailored solution proposal ↗

Technology availability, integration scope and regulated activities are subject to technical and contractual assessment.

ESTABIZZ / SOLUTION INTELLIGENCE / BUILT AROUND YOUR AMBITION
ACCEPTANCE INFRASTRUCTURE / 03

Accept payments across every customer touchpoint

Serve physical stores, field sellers and digital merchants with an adaptable acceptance technology stack and integrated merchant operations.

19modules and services
COMMERCE WITHOUT FRICTION

Every payment moment, beautifully connected.

Unify in-store, mobile and online acceptance infrastructure. Combine checkout technologies, merchant management, supported payment integrations and operational visibility for businesses that meet customers everywhere.

POS & SoftPOSOnline checkoutPayment linksMerchant analytics
Discover all 19 solutions ↗
01IN-STORE
02ON THE MOVE
03ONLINE
04OPERATIONS
FULL CAPABILITY DIRECTORY
E.
ESTABIZZ PRIVATE SOLUTION BRIEFCurated technology · Made for your business
EDITION 2026
PERSONALISED SOLUTION BRIEF
SOLUTION 01 / 19
MERCHANT ACQUIRING & PAYMENT ACCEPTANCE

ATM driving

Enable supported withdrawal, balance enquiry, mini-statement and other ATM transaction journeys.

API
DATA
SECURE
DIGITAL SOLUTION ARCHITECTURESaaS core bankingExplore • Configure • Scale
CONFIGURABLE ARCHITECTUREINDIA-FOCUSED ASSESSMENTSCALABLE DEPLOYMENT
THE ESTABIZZ APPROACHBuilt around your ambition, not a fixed template.
OPPORTUNITY

The opportunity

Enable supported withdrawal, balance enquiry, mini-statement and other ATM transaction journeys. Make every payment channel part of one customer journey.

AUDIENCE

Designed for

Banks, authorised acquiring providers, merchant platforms and retailers

PRACTICAL APPLICATION

How it fits your operations

Retail acceptance · omnichannel commerce · payment operations

Made for your operating model

Modular by design. Implementation scope, integrations and service commitments are tailored to your business and applicable approvals.

DELIVERY

Our approach

Merchant journey mapping → provider integrations → transaction testing → staged merchant launch

ASSURANCE

Security, integration & governance

Acquirer partnership, payment-method eligibility, settlement ownership, dispute handling and device security

Request a tailored solution proposal ↗

Technology availability, integration scope and regulated activities are subject to technical and contractual assessment.

ESTABIZZ / SOLUTION INTELLIGENCE / BUILT AROUND YOUR AMBITION
VALUE-ADDED ECOSYSTEM / 04

Everything around the transaction matters

Add the security, engagement, reporting and service layers needed for a resilient operating model.

09modules and services
BEYOND THE TRANSACTION

The intelligence, trust and care behind every payment.

Strengthen your entire payment ecosystem with fraud-risk technology, authentication, customer engagement, analytics and structured operating support. Because an exceptional payment experience does not end at authorisation.

Fraud intelligence3D SecureLoyaltyManaged services
Discover all 9 solutions ↗
01PROTECT
02AUTHENTICATE
03ENGAGE
04OPTIMISE
FULL CAPABILITY DIRECTORY
E.
ESTABIZZ PRIVATE SOLUTION BRIEFCurated technology · Made for your business
EDITION 2026
PERSONALISED SOLUTION BRIEF
SOLUTION 01 / 09
FRAUD, LOYALTY & MANAGED OPERATIONS

Enterprise fraud management

Rules, risk scoring, alert review and configurable transaction monitoring across supported channels.

API
DATA
SECURE
DIGITAL SOLUTION ARCHITECTURESaaS core bankingExplore • Configure • Scale
CONFIGURABLE ARCHITECTUREINDIA-FOCUSED ASSESSMENTSCALABLE DEPLOYMENT
THE ESTABIZZ APPROACHBuilt around your ambition, not a fixed template.
OPPORTUNITY

The opportunity

Rules, risk scoring, alert review and configurable transaction monitoring across supported channels. Put security, intelligence and service quality into everyday operations.

AUDIENCE

Designed for

Financial institutions, fintech operations teams and businesses with high transaction volumes

PRACTICAL APPLICATION

How it fits your operations

Risk oversight · customer retention · managed service workflows

Made for your operating model

Modular by design. Implementation scope, integrations and service commitments are tailored to your business and applicable approvals.

DELIVERY

Our approach

Current-state review → operating controls → system integration → monitored service improvements

ASSURANCE

Security, integration & governance

Security governance, data-access segregation, escalation standards, customer consent and auditability

Request a tailored solution proposal ↗

Technology availability, integration scope and regulated activities are subject to technical and contractual assessment.

ESTABIZZ / SOLUTION INTELLIGENCE / BUILT AROUND YOUR AMBITION
ESTABIZZ / INDIA PAYMENT ARCHITECTURE

Built for India's next payment economy.

Not another list of integrations. A considered route from your business idea to the right payment architecture, licensed partners, controls and customer experience.

ONE MARKET. MANY BUSINESS MODELS.6 connected capabilitiesChoose a capability to explore what it enables, who participates and what must be validated.
INDIA CAPABILITY / 01PARTNER-DEPENDENT ENABLEMENT

A more connected way to accept payments.

Shape seamless QR and UPI-led payment journeys around the real needs of your merchants and customers, with the right authorised participants.

01 / BUSINESS OPPORTUNITY

Make everyday transactions effortless

Create payment touchpoints for retail, online and assisted commerce.

02 / DELIVERY ARCHITECTURE

Designed around approved partnerships

Integrate through eligible payment service providers and banks.

CRITICAL VALIDATION

Network access, operating roles and applicable approvals must be confirmed for each use case.

Discuss this architecture ↗
India-specific payment products, networks and regulated activities require appropriate permissions, contractual arrangements and technical integrations. The examples presented are solution-design possibilities, not a representation of existing live certifications.
THE ESTABIZZ COMMERCIAL ADVANTAGE

Commercial design that feels as intelligent as the technology.

Instead of forcing every client into a heavy fixed-cost structure, Estabizz helps shape a growth-led commercial approach. The idea is simple: preserve working capital, activate the capabilities you need now and unlock broader deployment as the business becomes stronger.

Design my growth structure ↗See support desk model
THE FOUR MOVES

The commercial path from first launch to serious scale.

FOUR MOVES / 01

Launch lean. Protect flexibility from day one.

Begin with the essential stack for your immediate product, customer journey and transaction scope. That means fewer distractions, better cost visibility and a cleaner route to market.

COMMERCIAL IDEAEssential modules first
BUSINESS BENEFITCapital stays available for growth, distribution and team build-out
HOW ESTABIZZ POSITIONS IT

We help structure a right-sized first deployment so technology supports the business plan instead of overpowering it.

CHOOSE HOW YOU GROW

A polished commercial studio for different business ambitions.

No rigid one-size-fits-all price card. Select a model to see how the structure may be shaped around your launch style, transaction profile and operating maturity.

MODEL EXPLAINED

Usage-linked commercial structure

Selected platform or service charges can be aligned with usage indicators or agreed transaction activity, subject to technical scope, minimum commitments and approved commercials.

  • Useful for transaction-led or merchant-oriented operating models
  • Helps align part of the cost base with actual commercial movement
  • Implementation, onboarding and minimum fee conditions may still apply

Commercial structures are proposals, not automatic entitlements. Availability depends on solution type, feasibility, partner participation, onboarding costs, minimum commitments and signed terms. No claim of zero upfront cost, financing or guaranteed profitability is made.

CLOUD • NBOX & BANKNBOX • DATA PROTECTION

Infrastructure confidence for serious payment businesses.

When the platform story is strong, the business story becomes easier to trust. Estabizz helps structure cloud decisions, NBox & Banknbox integration thinking and practical data-protection planning so the operating model feels controlled, scalable and presentation-ready.

Request trust architecture review ↗
Cloud setupIntegration mappingGovernance controls
TRUST LAYER / 01

Design the right cloud foundation before you scale the business.

Shape the hosting and environment architecture with clarity around resilience, support boundaries, data responsibilities and future scale so the infrastructure story is commercially and operationally stronger from day one.

  • Clarify environment ownership, support expectations and recovery objectives
  • Plan data residency, monitoring and access governance from the outset
  • Keep scale-readiness, observability and controlled change in view
01

Clear ownership

Define who hosts, who supports and who governs each layer before production rollout.

02

Connected systems

Keep interfaces, hand-offs and escalation responsibilities visible across the operating chain.

03

Protected information

Translate security, access, logging and recovery expectations into practical operating controls.

CLIENT SUCCESS DESK

A dedicated coordination desk for teams that want faster movement.

For selected engagements, Estabizz can structure an embedded client success model that keeps business requests, implementation follow-ups, escalation paths and operational coordination moving with greater discipline. The idea is not “extra support”; it is a cleaner working rhythm for your team.

Embedded or hybrid supportNamed coordinationResponse & escalation flow
HOW THE MODEL ADDS VALUE

Support that feels structured, premium and business-positive.

01 / Single-window coordination

One familiar operating touchpoint

Your team gets a clearer way to raise requirements, track movement and stay aligned across business, technology and support conversations.

02 / Faster resolution rhythm

Action, escalation and follow-through

Requests are channelled through a disciplined support flow, helping reduce ambiguity and improving ownership across implementation and day-to-day operations.

03 / Better operating visibility

Status updates and working clarity

Structured reporting, follow-up notes and issue visibility help leadership and operating teams stay informed without chasing multiple stakeholders.

Embedded or hybrid support desk arrangements are optional and subject to location, staffing feasibility, agreed scope, working hours, infrastructure support and separately approved commercial terms.

CUSTOMISED TO YOUR BUSINESS

Different businesses. Different solution mixes.

Choose your business model and see how the solution stack can be shaped around its priorities, transaction logic and operating style.

BUSINESS MODEL / 01

Modernise banking channels and operations

Combine core banking modules, internet and mobile banking, card issuing, ATM monitoring, fraud controls and enterprise reporting through a staged modernisation programme.

IDEAL SOLUTION MIX
Core bankingCard issuingATMSecurity
WHY IT FITS Helps unify customer channels with stronger control across products and operations.
TYPICAL PRIORITIES

Integration discipline, customer experience, reporting visibility and phased implementation planning.

ANSWERS THAT MATTER

Frequently asked questions

Does Pay While You Earn mean there is no upfront payment?

Not necessarily. We assess models designed to avoid unnecessary bulk technology expenditure, but onboarding, integration, regulatory and minimum commitment costs may still apply. Any alternative terms require written commercial approval.

Can we use Estabizz products under our own brand?

White-label or co-branded deployments may be possible depending on the chosen solution, rights to use the technology, contractual arrangements and regulated-party approvals.

Is UPI, RuPay or a payment aggregator licence included?

No. Those capabilities require the relevant regulatory permissions, payment-network participation or integrations. Technology procurement alone does not grant a regulated licence.

Is the infrastructure guaranteed to be hosted in India?

Hosting and data location are solution-specific. Indian data-localisation and outsourcing requirements must be confirmed with the selected provider before deployment.

Can you provide someone at our office?

Yes, an embedded service desk can be explored for qualifying client engagements at an additional fee, subject to location, resources and a separately agreed scope of work.

LET'S BUILD YOUR BUSINESS ROADMAP

Your vision deserves a practical route to market.

Tell us your intended financial product, target segment, volumes and current technology position. Estabizz can coordinate solution discovery, commercial structure discussions and any relevant India-focused regulatory assessment.

Technology selection → Commercial design → Partner integration → Launch planning

This is a technology facilitation and advisory proposition. Regulated services are provided only by duly authorised entities. Technology partners and deployment locations are confirmed for each engagement.

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Request a proposal ↗