CredoPay

CredoPay Payment Acceptance Overview For Merchants

CredoPay is a payments infrastructure provider focused on omnichannel digital transaction processing and unified acquiring. Its product stack is designed to help merchant acquirers, payment facilitators, and banks support merchants across in-person and digital channels from a single platform. The CredoPay suite includes CenterFirst (a unified acquiring and merchant operations stack), CenterFirst PG (a white-label payment gateway), merchant onboarding and risk tooling, and supporting components such as terminal management, settlement modules, and merchant portals.

CredoPay Platform And Product Suite

CredoPay positions its solutions as PaaS and SaaS modules that can be deployed as a unified stack or integrated selectively via APIs. The platform is built around payment acceptance plus operational tooling that payment providers and merchant acquirers typically need to run a multi-channel merchant program.

Key components include:

• CenterFirst Unified Payment Acquiring Solution Suite: a multi-channel acceptance and back-office platform covering terminal management, risk management, settlement, wallet and loyalty, onboarding, and merchant management.

• CenterFirst PG White-Label Payment Gateway: gateway integrations and checkout options for web and mobile use cases.

• Merchant Management System (MMS): merchant lifecycle management, reporting, dispute workflows, and support tooling.

• Sarata: a retail-focused merchant management platform that emphasizes a merchant app experience, orchestration via a single API, and configurable, white-label deployment.

CredoPay Payment Acceptance Channels

CredoPay’s acceptance model supports a broad set of channels so merchants can accept payments in-store, online, and via mobile.

Common channel options described across the suite include:

• In-Person Acceptance: Smart POS, Soft POS, Mini POS, traditional POS, kiosks, and QR-based acceptance.

• Online Acceptance: web payment gateway flows.

• Mobile Acceptance: Android apps and in-app payment experiences, including SDK-based integrations.

POS Device Coverage And Deployment Options

CredoPay offers a device lineup described as certified on its platform, including:

• mPOS (mobile POS)

• GPRS devices

• Android-based Smart POS

• Tablet POS

• QR-code-based acquiring on supported devices

The device approach also includes the ability to certify additional POS devices as required, supporting program-specific terminal strategies.

Payment Methods And Schemes

CredoPay describes support for card payments and digital wallet use cases in the context of omnichannel routing and switching. Methods and schemes referenced within the CredoPay materials include:

• Card Networks: Visa, Mastercard, American Express, RuPay

• Digital Wallets: Google Pay, Apple Pay

• Account And National Rails (India Focus): UPI (India QR)

• Biometric Payments (India Focus): AePS and Aadhaar-linked biometric switching

For merchants and acquirers operating in India, the stack also references ATM and Micro ATM processing as part of a broader payment infrastructure footprint.

Checkout And Billing Flows

CredoPay’s gateway and omnichannel stack emphasize multiple checkout options intended to match different merchant technical profiles, ranging from no-code payment collection through to PCI-scoped integrations.

Integration Types For CenterFirst PG

The CenterFirst PG integration kits referenced include:

• Payment Links (pay-by-link flows)

• Payment Buttons

• Hosted Checkout Pages

• JS Checkout

• SDKs (mobile application integrations)

• Web Plugins

• Merchant-Hosted Checkout for merchants that hold a PCI DSS license

In addition to checkout, the wider CenterFirst suite also describes modules and workflows that support billing-adjacent operations such as partner and biller management, plus settlement and reconciliation components that align with recurring merchant operations.

Risk Management, Fraud Controls, And Disputes

Risk management is presented as a core platform layer that spans onboarding validations and post-authorization monitoring.

Key controls and workflows described include:

• Fraud Risk Management for online and offline transactions

• Customizable FRM rules such as IP blocking and rules based on transaction count, volume, velocity, and limits

• Pre-Onboarding Validations including real-time eKYC checks and validation for MID/TID creation

• Post-Onboarding Validations including BIN blocking, geo-fencing, and velocity checks

• Case Management for manual intervention on high-risk cases

• Chargeback Management via a dedicated chargeback management module

• Dispute Workflows supported in merchant operations tooling, including dispute raising and resolution flows

These capabilities are positioned for environments where acquirers need consistent controls across multiple acceptance channels.

Settlement, Reconciliation, And Wallet Workflows

CredoPay describes settlement and back-office management as part of the core suite, with modules intended to support day-to-day merchant payment operations.

Highlighted capabilities include:

• Online settlement module to support settlement workflows

• Refund management to manage customer refunds

• Payouts module to manage payouts to vendors, partners, or affiliates

• Reconciliation tooling, including a “4-way reconciliation” module

• Voucher and promotion management for vouchers, coupons, and promotional offers

Wallet And Loyalty Capabilities

The platform also describes wallet and loyalty management features such as:

• Merchant and customer wallet creation

• Central wallet management and wallet reconciliation

• Integrations with external loyalty points

• Instant settlement use cases

• Settlement to merchant wallets as an alternative to bank accounts, plus wallet withdrawal and wallet recharge options

Merchant Management, Reporting, And Onboarding

CredoPay’s merchant operations tooling is framed around onboarding speed, operational visibility, and merchant self-service.

Digital Onboarding And KYC Workflows

Merchant onboarding is presented as a digital flow that can include:

• Simplified form submission and identity verification

• Self-onboarding and onboarding progress tracking

• KYC and AML procedures with integrated data fetching and real-time updates

• Digital agreements and electronic signatures for contract execution

Merchant Portal And Operational Reporting

The Merchant Management System emphasizes operational visibility and merchant support workflows, including:

• Real-time access to transaction data

• Reporting tools and report downloads

• Account and financial self-management

• Dispute raising and resolution workflows

• Terminal inventory monitoring and terminal management support

• Support for sub-merchant hierarchies and bulk merchant imports

APIs, Orchestration, And White-Label Delivery

CredoPay describes API-driven delivery across its suite, including orchestration concepts and a “single API” approach in Sarata. White-labeling and customization are repeatedly referenced as deployment options, particularly for payment facilitators, merchant aggregators, merchant acquirers, and banks that want to provide branded merchant experiences.

Integration references across the stack include:

• API-based connectivity for core modules (merchant management, terminal management, onboarding, and risk)

• Multiple gateway integration kits for web and mobile acceptance

• White-label deployment for gateway and merchant management experiences

Support And Service Model

CredoPay describes always-on support coverage for merchant programs, including:

• 24/7/365 customer support via phone

• Support via email contact points

• Local customer support framing for gateway deployments, including local language and local team support

Pricing And Commercial Considerations

CredoPay provides limited published pricing detail, but describes a cost model for neobanking and merchant operations programs with costs “as low as $1 per month per merchant” in the context of per-merchant expenses. The gateway and merchant management tooling also reference configurable billing structures, including MDR and rental configurations per merchant, and the ability to select MDR plans based on MCC.

CredoPay Fit For Merchant Programs

CredoPay is primarily positioned for organizations that run merchant payment programs at scale, including acquirers, payment facilitators, ISOs, banks, and fintechs. For merchants, the platform’s value is typically delivered through the provider that enables CredoPay within its acquiring or payment facilitation offering. The product emphasis is on consolidating channels, standardizing onboarding and risk, and providing operational tooling for settlement, reconciliation, and merchant lifecycle management.

Security And Compliance

CredoPay references industry compliance and certification commitments, including:

• PCI DSS certification

• ISO 9001 certification

• ISO 27001 certification

The platform also emphasizes secure onboarding and fraud controls through eKYC checks, validation mechanisms, and post-authorization monitoring.

Conclusion

CredoPay provides an omnichannel payment acceptance and merchant operations stack centered on unified acquiring. Its suite combines POS and QR acceptance, online gateway capabilities, and merchant management tooling with embedded risk controls, settlement workflows, reconciliation modules, and wallet and loyalty features. The platform is designed to support payment providers and acquirers that need a configurable, API-driven infrastructure to onboard merchants, process multi-channel payments, manage fraud and disputes, and run day-to-day merchant operations from a consolidated system.