AI-Native Payment System

Payments Without a Gateway. Money in Your Bank. Instantly.

SwiftPay eliminates the payment gateway middleman. Brands connect their own bank account, embed a smart checkout, and receive payments directly — with zero settlement delays, near-zero fees, and AI intelligence on every page.

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SwiftPay — Smart Checkout & Dashboard Overview

Why Payment Gateways Are Broken

Traditional (Razorpay / Stripe / Cashfree)	SwiftPay
Money goes to gateway's pool account	Money goes directly to brand's own bank
Settlement in T+2 to T+7 days	Instant — money is in the bank immediately
Gateway takes 2-3% per transaction	Near-zero fees — no intermediary margin
Generic checkout popup	AI-optimized, fully customizable checkout
Dumb error messages	AI explains what broke, why, and how to fix it
Manual reconciliation	Auto-reconciliation with bank statement matching
Basic analytics	AI copilot on every page with proactive insights

Millions of small businesses suffer cash flow death because gateways hold their money for days while charging heavy commissions. SwiftPay gives them disposable working capital the moment a customer pays — the difference between surviving and shutting down.

Traditional Payment Flow vs SwiftPay Direct-to-Bank

Feature Deep Dive

36+ Modules. One Payment Ecosystem.

Direct Banking — The Core

Connect your own bank account. Money flows directly to you — no middleman, no pool account, no delays.

✓One-click connection to 13 Indian banks (HDFC, ICICI, SBI, Axis, Kotak, and more)
✓Real-time transaction ledger with UTR tracking
✓Auto-reconciliation — AI matches bank entries with transactions
✓4 verification methods: DBS CCA, Account Aggregator, Setu, manual

Smart Checkout

6 checkout variants, 15 payment methods, AI-optimized flow that maximizes conversion for every customer.

✓Variants: Modal, Sidebar, Full-page, Embedded, One-click, Mobile-first
✓15 methods: UPI (QR/Intent/Collect/AutoPay/Lite), Cards, BNPL, COD, Wallet, Bank Transfer
✓AI selects optimal payment method order per customer based on history
✓COD Intelligence: partial COD, WA confirmation, COD-to-prepaid nudges
✓Live drag-and-drop checkout builder with theme customization

AI Intelligence — On Every Page

AI isn't a feature bolted onto SwiftPay — it's the foundation. Every page thinks, suggests, and acts proactively.

✓AI Copilot: natural language assistant trained on every feature and integration
✓Payment Intelligence: conversion patterns, failure analysis, method optimization
✓AI Model Manager: train and A/B test custom ML models for RTO & fraud
✓AI Error Resolution: explains WHAT happened, WHY, and offers one-click fix

Risk & Fraud Prevention

ML-powered protection that stops fraud before it happens and predicts RTO before you ship.

✓RTO Engine: ML-powered return prediction — scores every order before shipping
✓Device fingerprinting, behavioral analysis, velocity checks, blacklists
✓Lifetime customer risk scoring based on order history, COD ratio, device trust
✓AI-assisted dispute center with auto-generated evidence and win rate tracking

Analytics & Growth

360-degree intelligence — from checkout funnel analysis to customer lifetime value to complete financial reporting.

✓Checkout Funnel: Phone → Address → Coupon → Payment → Success (drop-off analysis)
✓RFM Segmentation: Champions, Loyal, At-Risk, Dormant, Lost with LTV prediction
✓Cart Recovery: automated via WhatsApp, SMS, email with conversion tracking
✓Finance Dashboard: P&L, GST reports, TDS/TCS, fee analysis
✓Growth Hub: loyalty programs, referral systems, subscription management

Operations & Integrations

Plug into any ecommerce stack in minutes. 9-role RBAC, full webhook system, and enterprise-grade security.

✓Shopify (full OAuth), WooCommerce (REST API, HPOS compatible)
✓Custom SDK: Shadow DOM isolated — works on any website with 3 lines of code
✓9 RBAC roles: Owner, Admin, Manager, Finance, Analyst, Support, Ops, Fulfillment, Viewer
✓HMAC-signed webhooks with retry, event filtering, and debug logs
✓PCI DSS, SOC 2, DPDP Act compliance — session management, audit logs

How It Works

Connect Bank

Link your HDFC / ICICI / SBI account in one click

Customize Checkout

Brand colors, logo, payment flow, layout — all configurable

Embed SDK

3 lines of code. Works on any website. <100ms load.

Go Live

Customers pay, money lands in your bank instantly

By the Numbers

Dashboard Modules

Banks Connected

Payment Methods

API Endpoints

Checkout Variants

Team Roles

Database Models

<100ms

SDK Load Time

Give Your Business the Working Capital It Deserves

SwiftPay is in active development. Request early access and be among the first to eliminate the payment gateway middleman.

Request Early Access