Digio
Digio Overview For Merchants
Digio is an India based technology provider that offers an enterprise API suite for digital onboarding, identity verification, document management, digital signatures and recurring payment collections. Its products are grouped under brands such as DigiKYC, DigiDocs, DigiSign, DigiCollect, DigiShield, CoTrust and DigiStudio, which are designed to support paperless processes at scale for “Digital India.”
Digio is ISO 27001 certified and SOC 2 compliant, signalling a structured approach to information security and operational controls across its platform. The company also displays a Reserve Bank of India authorised payment aggregator certificate, which is relevant for merchants using its payment aggregation and recurring collections capabilities.
Key Digio Products For Merchants
DigiCollect – Recurring Payment Collections
DigiCollect is Digio’s recurring collections product. It is described as a secure, multi mode offering for recurring payment collections using NACH and UPI.
Key characteristics include:
-
Use of NACH and UPI rails for recurring debits.
-
Support for multiple mandate types:
-
UPI 2.0 Autopay mandates using a customer’s VPA / UPI ID.
-
NACH API mandates using net banking or debit card credentials.
-
Aadhaar based mandates for customers without net banking or debit cards.
-
Physical mandates, including support for high value recurring mandates
-
- A 360 degree view of recurring payments and mandates, with dashboards for tracking collectibles, status alerts and auto reconciliation.
- Monitoring of collectibles by sub user level, channel partner level and sponsor bank.
- Integrations with more than 15 sponsor banks and coverage of “all Indian banks” as destination banks for recurring debits.
DigiKYC – Digital Identity And Business Verification
DigiKYC provides comprehensive identity and business verification with enhanced due diligence. The feature set combines multiple verification and risk checks, including:
-
DigiLocker integration.
-
ID OCR analysis.
-
Selfie verification.
-
Geolocation and VPN checks.
-
Video KYC.
-
CKYC / KRA submission and fetch.
-
Bank account verification.
-
PAN verification.
-
Aadhaar masking and Aadhaar offline KYC.
-
Aadhaar based AUA / KUA authentication.
These capabilities are positioned for industry use cases such as capital markets (SEBI compliant onboarding), lending (RBI compliant due diligence), banks (digitised documentation) and insurance (IRDAI compliant onboarding).
DigiDocs And DigiSign – Documentation And Signing
DigiDocs is described as an all inclusive platform for document creation and management. Features relevant to merchants include:
-
Document template creation.
-
Secure document repository.
-
Document version control.
-
A form builder with drag and drop UI, field validations and conditional logic.
-
Folder management of executed documents.
-
Filters and tags for retrieval.
-
E stamp functionality as a single platform with pan India, multi denomination support.
DigiSign is the digital signing platform. It supports:
-
Aadhaar eSign.
-
USB based Digital Signer Certificates.
-
Document Signer Certificates.
-
Electronic signatures.
-
KYC backed signing.
Together, DigiDocs and DigiSign allow merchants to structure agreements, mandates and other documents digitally, and then execute them with compliant electronic signatures.
DigiShield And CoTrust – Screening And Privacy
DigiShield provides screening and continuous monitoring. The product description highlights:
-
A screening engine for sanctions and embargo lists.
-
Features to support compliance efficiency and drilled down insights.
-
Rule orchestration.
-
Private list support.
-
A test bed environment.
-
STR (suspicious transaction report) filing capabilities.
CoTrust is described as a solution to discover and classify customer data, generate purpose backed consent templates, handle data subject requests via a privacy centre and design workflows to automate privacy requests, with dashboards to monitor fulfilment SLAs.
Payments And Recurring Collections At Scale
From a payments perspective, Digio’s focus is on recurring collections rather than one time checkout processing. DigiCollect uses:
-
NACH mandates initiated via API calls using net banking or debit card credentials, with real time mandate registration and callback support on failures.
-
UPI 2.0 Autopay mandates initiated with the customer’s VPA / UPI ID, described as providing immediate registration and an upper limit of 2 lakh rupees per debit transaction.
-
Aadhaar based mandates where the customer’s Aadhaar is linked to the bank account, with upper limits of up to 1 crore rupees per debit transaction.
-
Physical mandates supported by a pre filled NACH form, an OCR engine for signature and error detection, and a partner app to generate and authenticate mandates, also described with an upper limit of 1 crore rupees.
For merchants, these options cover a range of recurring payment use cases such as EMIs and periodic collections where mandates and automated debits are preferred to ad hoc payments.
Digio combines these mandate flows with dashboards and an advanced reporting module so that merchants can:
-
View collectibles by count and value.
-
Track status changes and receive alerts.
-
Monitor performance by sub user, channel partner and sponsor bank.
Technology, APIs And SDKs
Digio is presented as an API first platform. Merchants are invited to have their development teams “test the APIs” to evaluate configurability and integration, and there is a dedicated Developers section linking to documentation.
The SDK and integration documentation indicates that Digio offers:
-
Native Web SDK integration.
-
Native Android SDKs, including KYC and UPI components.
-
Native iOS SDKs, including UPI SDKs.
-
Flutter SDK integration for KYC journeys.
-
React Native SDK integration.
Documentation pages also reference webhooks and a redirect URL approach as alternatives or complements to SDK based integration, particularly for remote signers or where client side journeys are handled outside native apps.
For recurring payments, there are specific API endpoints for UPI mandate registration and related flows under the DigiCollect documentation.
Compliance, Security And Regulatory Status
Digio explicitly states that it is ISO 27001 certified and SOC 2 compliant. These certifications are presented alongside its focus on enterprise onboarding and payment workflows.
Reporting, Monitoring And Merchant Support
Within DigiCollect, Digio provides reporting and monitoring tools that go beyond basic transaction logs. The product description emphasises:
-
Snippet views of collectibles by count and value.
-
An advanced reporting module for granular analysis.
-
Dashboards for monitoring sponsor bank SLAs and channel partner performance.
-
Automated reconciliation of payments.
Support channels are published prominently, including a phone number and email address, along with “Get in touch” calls to action for sales and solutioning discussions.
Merchant Segments And Use Cases
Digio frames its products around specific industry use cases:
-
Capital markets with SEBI compliant customer onboarding.
-
Lending with RBI compliant due diligence.
-
Banks that need comprehensive document digitisation.
-
Insurance with RDAI compliant customer onboarding.
-
Business process automation, including recurring payments automation.
Conclusion
Digio is an India focused provider of digital onboarding and recurring payment infrastructure built around an enterprise API suite. For merchants, particularly in regulated financial services, the platform combines identity verification (DigiKYC), document creation (DigiDocs), digital signing (DigiSign), screening and monitoring (DigiShield), privacy operations (CoTrust) and recurring collections through NACH and UPI mandates (DigiCollect).
The company backs this offering with ISO 27001 certification, SOC 2 compliance and an RBI payment aggregator authorisation.
From a technical perspective, Digio exposes REST style APIs, SDKs for web and multiple mobile platforms, and tools such as webhooks and redirect based flows to fit different integration patterns. For recurring payments, DigiCollect wraps multi rail mandate capabilities with dashboards, reporting and reconciliation that are designed to give merchants operational control over collections at scale.
Frequently Asked Questions (FAQs)
What is Digio and how does it help merchants collect payments?
Digio is an India based provider of digital onboarding, KYC and recurring payment collections. Its DigiCollect product lets merchants set up and manage recurring debits using NACH and UPI, with dashboards, alerts and automated reconciliation to track collectibles and mandate status at scale.
Which payment types does Digio support for collections?
Digio supports recurring collections from Indian bank accounts using NACH and UPI. Mandates can be set up through net banking or debit card credentials, via UPI Autopay using a customer VPA or UPI ID, and through Aadhaar based and physical mandates where the bank account is linked.
Which payment channels and use cases does Digio support?
Digio enables mandate journeys inside a merchant's web or mobile application through widgets and SDKs. It is suited to recurring use cases such as loan EMIs and subscription style collections where automated debits from a bank account are preferred to one time card payments or cash.
Which currencies and countries does Digio support?
Digio focuses on India. Its policies state that merchants are onboarded with business locations in India, and recurring debits are denominated in Indian rupees. There is no public indication that Digio processes multi currency or cross border payments for merchants outside India.
What are Digio fees and settlement times for merchants?
Digio does not publicly list setup fees, monthly fees or per transaction pricing, and commercials are provided directly by Digio during sales engagements. For payment aggregation, Digio states that incoming funds are typically settled to the merchant on a T+1 basis once funds reach its nodal or escrow account.
What compliance and security standards does Digio meet?
Digio states that it is ISO 27001 certified and SOC 2 compliant, which indicates formal controls around information security and operations. It also holds a Reserve Bank of India payment aggregator authorisation and offers AML and screening tools that support regulated financial services use cases.
What integration options does Digio provide for developers?
Digio provides REST style APIs, public API documentation and SDKs for web, Android, iOS, React Native and Flutter. Integration patterns include hosted widgets, iframe or popup based flows and support for webhooks so merchants can receive mandate and transaction updates in their own systems.
What reporting and reconciliation tools are available in Digio?
Within DigiCollect, Digio offers dashboards and an advanced reporting module that show collectibles by count and value, mandate status and performance by sponsor bank or channel partner. Reporting APIs provide access to mandate, transaction and settlement details to support reconciliation.
How long does merchant onboarding with Digio take and who is it for?
Digio's merchant onboarding policy indicates a typical onboarding time of around 3 to 7 working days, subject to risk checks and documentation. The onboarding framework is designed mainly for Indian merchants in regulated and financial services segments that require KYC, compliance and recurring collections.
Does Digio support high value mandates and large ticket recurring payments?
Yes. Digio describes support for high value recurring mandates using NACH and Aadhaar based flows, with published upper limits that go up to several lakh or up to one crore rupees per debit, depending on the mandate type. This allows merchants to handle larger ticket recurring debits from customer accounts.