Juspay: The Modern Payment Orchestration Powerhouse

What Is Juspay?

Juspay is a payment orchestration platform and gateway that helps businesses accept and optimize payments with great flexibility. Founded in 2012 and based in Bengaluru, India, Juspay has become a global payment infrastructure provider. It supports smart routing, secure tokenization, smooth authentication, and improved checkout experiences.

Designed with developers in mind, Juspay provides a broad range of payment solutions, including orchestration layers, SDKs, token vaults, authentication flows, and analytics dashboards. Its mission is to reduce payment friction, improve authorization rates, and support global growth for high-growth digital businesses.

Key Offerings & Features

1. Payment Orchestration

Juspay enables businesses to connect with 300+ payment service providers (PSPs), banks, and alternative payment methods through a single integration. This orchestration layer offers:

• Dynamic routing to optimize success rates and minimize costs

• Fallback and retry logic to reduce failed transactions

• No-code rule configuration for intelligent routing based on region, payment method, fees, or past performance

• Unified reconciliation and transaction visibility across all integrated providers

With this, merchants gain full control over how payments are processed, reducing dependency on a single provider and improving operational resilience.

2. Checkout Experience

Juspay provides a fully customizable checkout interface that enhances user experience and increases conversion rates. Key features include:

• 1-click checkout for returning users

• Face ID, OTP autofill, and Click-to-Pay for seamless authentication

• Adaptive UX tailored for web, Android, and iOS

• Support for wallets, UPI, BNPL, and card payments

• Built-in A/B testing tools to optimize conversion strategies

The checkout module is modular and integrates easily with existing systems, allowing businesses to maintain brand consistency.

3. 3DS and Authentication

Security and frictionless user experience go hand-in-hand with Juspay’s smart authentication tools. The platform supports:

• Adaptive 3DS flows for global and regional use cases

• Real-time fraud scoring and dynamic authentication decisions

• Issuer-specific authentication logic to improve approval rates while maintaining liability shift

• Omnichannel support for recurring, first-time, and high-risk transactions

These features help merchants stay compliant while reducing friction that typically results in cart abandonment.

4. Tokenisation

Juspay helps businesses reduce fraud risk and improve transaction success rates through advanced tokenization:

• Network-level tokenization across Visa, Mastercard, and RuPay

• Multi-PSP token vaulting for portability and redundancy

• Real-time card updates to ensure recurring payments go uninterrupted

• Reduced interchange fees through secure token usage

Tokenization not only ensures regulatory compliance but also enhances customer experience and long-term card retention.

5. Recurring Payments

Juspay offers an intelligent solution for subscription businesses and recurring billing needs. The system supports:

• Multiple billing models including fixed, usage-based, and hybrid subscriptions

• Auto-retry mechanisms on failure

• Instant card updater integration

• Token-based recurring flows compliant with regional mandates

This helps businesses boost customer retention, lower churn, and manage lifecycle events more effectively.

6. Payouts

Beyond payment acceptance, Juspay also enables businesses to send money efficiently. Features include:

• Support for refunds, vendor payments, salaries, and incentives

• Disbursement via cards, UPI, wallets, or direct bank transfer

• Payout links for frictionless user interactions

• Batch or API-triggered workflows for scalable operations

Businesses can manage both inbound and outbound transactions on a unified infrastructure.

7. Offers Engine

Juspay’s no-code offers engine lets businesses deploy promotional campaigns across payment methods, PSPs, and user segments with ease. Highlights:

• Dynamic promo logic based on cart value, payment method, or user type

• PSP-agnostic incentive engine

• Real-time performance analytics

• End-to-end campaign management without engineering dependency

This allows marketers to drive user acquisition and loyalty without disrupting the payment flow.

Developer Tools & Integration Options

Juspay is highly favored among developers for its flexible and well-documented tools:

• Juspay Safe: A secure browser and SDK offering high-performance features like auto-OTP, card scanning, and face authentication

• HyperUPI: A UPI SDK that offers in-app, instant UPI payments with fallback logic

• Payment Page SDK: Embeddable, customizable checkout pages for web and mobile apps

• Hyperswitch: An open-source payment orchestration engine for enterprise-grade control and extensibility

• No-code Dashboard: Lets merchants configure routing, retries, offers, and PSP logic without writing a single line of code

These tools enable quick time to market, customization, and advanced experimentation capabilities.

Compliance & Security

Security and compliance are central to Juspay’s architecture. The platform meets the highest global standards:

• PCI DSS 4.0

• ISO 27001:2022

• SOC 2 Type 2

• GDPR readiness

Additionally, Juspay’s modular design ensures data segregation and role-based access, supporting enterprise-grade governance.

Strategic Advantages for Merchants

• Increased Authorization Rates: With real-time retries and issuer-specific flows, businesses can boost approval rates by up to 10%.

• Lower Transaction Costs: Through network tokens, direct acquirer connections, and optimization tools, Juspay reduces operational and processing expenses.

• Flexibility & Control: Merchants can design, route, and scale payment flows without vendor lock-in.

• Faster Go-to-Market: Prebuilt integrations, no-code workflows, and SDKs cut development cycles significantly.

• Resilience & Redundancy: Avoid PSP downtimes by auto-routing transactions via fallback providers.

Conclusion

Juspay offers a payment solution that meets the current needs for scalability, control, security, and user experience. Unlike traditional gateways that restrict flexibility, Juspay gives businesses an open, customizable, and smart way to build their payment systems.