The intelligence behind every transaction.
Switching, routing, reconciliation and onboarding for co-operative, regional and scheduled banks, fintechs and PSPs, from one modular platform.
Payment infrastructure that helps institutions connect, route and reconcile with confidence.
Maker-checker controls, audit trails and institution-level data isolation ship with every module.
Every capability is a service with its own API, so channels, partners and your teams call the same functions.
Idempotent requests and status inquiry mean a timeout is investigated, never guessed.
Start with the switch or reconciliation and add modules without replacing what works.
Technology built for modern payments.
Every request validated, routed and tracked to a final state.
A transaction core that takes UPI-style requests, validates them, drives them through an explicit state machine and never loses an outcome.
The right partner for every request, chosen in milliseconds.
Versioned, priority-ordered rules evaluated against partner health, capability, limits and authorization, with a full trace for every decision.
Every record matched, or explained.
Compare internal records with partner reports and settlement files in any partner format, and route each difference to an investigation queue.
Open accounts and onboard merchants with checks built in.
Guided journeys for savings and current accounts, existing-account verification and payment-gateway, QR and POS merchants, with maker-checker review.
See problems before your customers do.
Live failure-rate, latency and partner-health signals, with alerts your team can acknowledge, assign, investigate and resolve.
Build on SwitchX in an afternoon.
Documented REST APIs, idempotency keys, signed webhooks and a sandbox that never moves real money.
From data to decisions.
Every transaction leaves a trace. SwitchX turns those traces into signals your operations, risk and partner teams can act on.
One secure layer between banks and the ecosystem.
Adapters isolate each partner's protocol and timeouts behind one contract, so adding a partner never touches the core.
Every channel, one core.
Launch a payment or onboarding journey once and serve it everywhere your customers are.
Stay ahead of regulatory complexity.
Controls regulators and auditors expect are part of the platform, not an add-on.
Have a question?
Build your next payment programme with SwitchX.
Thirty minutes with a solution specialist.
- A walkthrough tailored to your institution
- No obligation, just the product
- Reply within one business day