VegaaH: A Complete Payment Gateway Solution

Introduction to VegaaH

VegaaH is a secure and feature-rich payment gateway and aggregator created by Concerto Software & Systems. It helps merchants, banks, and PSPs accept payments easily using credit and debit cards, net banking, UPI, wallets, and international cards. With an RBI-approved aggregator license, VegaaH enables both domestic and international payments, making it suitable for businesses that want to expand globally.

Why Choose VegaaH?

Wide-Ranging Payment Options

VegaaH offers support for over 100 payment modes, including:

• All major credit and debit cards (Visa, MasterCard)

• Net banking

• UPI

• Mobile wallets

• International card acceptance for overseas customers

It supports multi-currency acceptance, allowing merchants to cater to international clients without friction. This versatility makes it ideal for eCommerce platforms, subscription-based services, small and medium businesses, and marketplaces.

Flexible Integration & Developer Support

VegaaH supports multiple integration methods:

• Hosted checkout pages (standard or customizable)

• Direct API-based integration

• SDKs for Android, iOS, React Native, and Flutter

• Plugins for popular platforms like Magento, WooCommerce, Shopify, and others

The platform also provides extensive documentation, a sandbox environment, and developer tools for fast and reliable implementation.

Advanced Merchant Dashboard

Merchants benefit from a powerful dashboard that includes:

• Real-time transaction monitoring

• Configurable risk profiles

• Multi-user access with customizable roles

• Multi-lingual user interface

Key features:

• Alerts for chargebacks and transaction timeouts

• Refund management for partial or full refunds

• Generation of payment links via SMS, email, or chatbot

• Smart collect using UPI and virtual accounts

• Subscription billing with automated recurring payments

• Marketplace tools for routing, transaction splitting, and smart reconciliation

Security & Compliance

Enterprise-Grade Certifications

VegaaH adheres to top-tier security standards:

• PCI DSS 3.2.1 compliant

• ISO 27001:2013 certified

• EMVCo-certified MPI 2.0

• 3D Secure 2.0 for Visa and MasterCard

These credentials ensure secure data handling and high levels of transaction integrity.

Fraud, Risk & Data Security

The platform is built with multiple layers of security:

• Tokenization of payment data

• SSL/TLS 1.2 encryption and AES-256 encryption standards

• IP and BIN blacklisting/whitelisting

• Velocity checks to detect abnormal transaction patterns

• Country- and card-based restrictions

• CAPTCHA and virtual keyboard features for safer customer interaction

Additionally, VegaaH supports integration with third-party risk management systems for added control.

Featured Tools & Functionalities

Payment Links & White-Labeling

Merchants can generate and send payment links through:

• Portal interface

• API integrations

• SMS, email, or chatbot distribution

VegaaH also offers white-label gateway services, allowing PSPs and large enterprises to brand the payment experience with custom URLs, logos, and interfaces.

Recurring & Subscription Billing

VegaaH supports subscription-based billing with:

• Recurring payment scheduling (daily, weekly, monthly, yearly)

• Auto-charge capabilities for repeat customers

• Failure handling and retry mechanisms

• Subscription lifecycle tracking and reporting

Smart Routing & Advanced Reconciliation

For PSPs and large-scale platforms, VegaaH provides intelligent tools:

• Smart routing based on transaction success rates, bank performance, and fee optimization

• Reconciliation tools to match gateway, acquirer, and merchant records

• Settlement rules configurable by partner preference and jurisdiction

Customer Support & Dispute Management

Support Channels

VegaaH provides multiple support options:

• Phone support via dedicated helpline

• Email support for technical, onboarding, and operational queries

• Dedicated grievance redressal process managed by a nodal officer in compliance with RBI guidelines

Chargeback & Refund Workflow

The platform enables merchants to:

• Receive real-time chargeback alerts

• Respond to disputes via merchant dashboard

• Upload necessary documentation for resolution

• Issue refunds quickly and efficiently (typically within 5–7 business days)

Governance & Compliance

Regulatory Alignment

VegaaH is registered with the Reserve Bank of India as a Payment Aggregator. It complies with regulatory frameworks including:

• RBI Payment Aggregator licensing norms

• PCI DSS requirements for secure card handling

• ISO 27001 for information security management

• EMVCo standards for global transaction security

Privacy & Data Handling

VegaaH takes data governance seriously. Its privacy protocols include:

• Compliance with Indian data protection laws

• Secure storage and restricted access to payment data

• No unauthorized sharing or sale of user data

• Responsible cookie usage and transparency in data practices

Technical Overview

API & Integration Options

VegaaH offers a rich set of APIs, including:

• Purchase, authorization, and capture flows

• Refunds and voids

• Transaction inquiries

• Payment link generation

• Recurring payment triggers

All APIs are well-documented, with access to a merchant sandbox for testing and development.

SDKs & Plugins

To support a broad range of tech stacks, VegaaH offers:

• Plugins for Magento, WooCommerce, Shopify, PrestaShop, OpenCart, CS-Cart, and Joomla

• Mobile SDKs for Android, iOS, Flutter, React Native, Ionic, and Cordova

Localization & Customization

VegaaH supports:

• Multi-lingual checkout pages

• Language customization for merchant dashboards

• Region-specific payment method selection for localized customer experiences

Ideal Users & Use Cases

VegaaH is well-suited for:

• Online retailers looking for easy-to-integrate, multi-mode payment acceptance

• SMBs and startups needing fast onboarding and affordable solutions

• Marketplaces and platforms requiring advanced routing, split settlement, and white-label tools

• Subscription businesses wanting recurring billing capabilities

• International merchants looking to serve Indian consumers via local payment options

Conclusion

VegaaH is a strong, secure, and future-ready payment gateway built to meet the needs of today’s commerce. With powerful tools, wide payment support, and a focus on developers, it provides great value for businesses of all sizes, especially those looking for global growth, efficient operations, and compliance with regulations.