Payswiff

Payswiff: Overview For Merchants

Payswiff is a payments provider focused on helping businesses in India accept and manage digital payments across in-store, delivery, and remote channels. Merchants use Payswiff to accept cards, UPI, QR, wallets, and payment links through mobile apps, Android POS devices, and mPOS readers. Beyond acceptance, Payswiff supports onboarding, multilingual customer service, and tools that streamline day-to-day operations. This overview explains what Payswiff offers, how it works, and what types of merchants it fits.

What Is Payswiff

Payswiff is a merchant services platform that provides an omnichannel acceptance suite spanning a unified payment app, POS and mPOS hardware, and tap-to-phone capability on standard smartphones. The company positions its solutions for banks, SMEs, and enterprise merchants, and offers white-label options for financial institutions.

Core Products And Solutions

Payswiff SET App

• Omnichannel payment app for taking digital payments in-store, at the customer’s location, or online.

• Accepts multiple tender types including credit cards, debit cards, wallets, UPI QR, payment links, and EMI options.

• Designed to help merchants manage transactions and basic business tasks in one place.

POS Machines

• Android POS terminals for card-present acceptance.

• Support for contactless and QR acceptance, as well as wallets, mobile and bank apps, and UPI.

• Built for everyday counter use with a focus on secure, encrypted transactions.

One mPOS

• Compact card reader for mobile acceptance in delivery and on-the-go scenarios.

• Enables card on delivery, supports card, wallet, UPI, and QR payments.

• Portable form factor suited to field staff and pop-up locations.

Tap 2 Phone

• Software-only contactless acceptance that turns NFC-enabled smartphones into acceptance devices.

• Aimed at faster, friction-reduced checkout without extra hardware for eligible use cases.

Solutions For Banks

• White-label POS, unified payment app, and contactless offerings tailored for partner banks.

• Emphasis on custom branding and scalability.

Channels And Payment Methods

• Card-present: Chip and contactless cards on POS, mPOS, and supported phones.

• UPI and QR: UPI QR codes and app-based flows integrated into devices and the app.

• Wallets and mobile apps: Acceptance of popular digital wallets and bank apps.

• Remote: Payment links generated from the SET app for remote collection.

• EMI: Multi-bank EMI options where available.

Hardware And Software Experience

• Android POS terminals for front-counter or handheld use.

• Lightweight mPOS readers for mobile teams and delivery agents.

• Smartphone-only acceptance through Tap 2 Phone for eligible merchants.

• Unified app that centralizes multiple payment modes and day-to-day operations.

• Card on delivery capability for logistics and last-mile scenarios.

Security And Compliance

• Payswiff highlights end-to-end encryption on its POS solutions and references industry security certifications in its materials. Merchants who handle card data should follow PCI DSS guidance, which defines baseline technical and operational controls for any entity that stores, processes, or transmits cardholder data. Using PCI-validated solutions and implementing required controls helps reduce risk and protect payment information.

Merchant Onboarding And Support

• Onboarding: Payswiff markets paperless merchant onboarding through its app and device flows.

• Documentation: Typical KYB requirements include tax and business proofs.

• Customer support: Phone and email support are available, with service in multiple regional languages and extended daily hours.

Pricing Snapshot

• Payswiff publishes selective price points. Its FAQ indicates a one-time device price for a Digital POS machine. Transaction pricing, monthly fees, and settlement terms vary by product and commercial agreement and are not comprehensively listed on the public site. Merchants should contact Payswiff for a complete fee schedule tailored to their category, volume, and risk profile.

Merchant Profiles And Use Cases

• Retail counters and quick-serve using Android POS for fast contactless and QR acceptance.

• Delivery and field sales leveraging mPOS and card on delivery for doorstep collection.

• Services and professionals issuing payment links from the SET app for remote collections.

• Micro and small merchants piloting Tap 2 Phone to avoid upfront hardware for low-to-medium ticket sizes.

• Bank partners seeking a white-label acceptance stack for their merchant portfolios.

Implementation Considerations

• Device mix: Choose between POS, mPOS, and Tap 2 Phone based on environment, throughput, and staff mobility.

• UPI and QR: Configure UPI QR and app payments where customers prefer account-to-account flows.

• Remote collection: Enable link-based payments for phone orders and off-site services.

• EMI: Confirm eligibility and bank partners for EMI promotions before advertising.

• Support model: Align staff training with available multilingual support and operating hours.

Operational Features That Matter

• Always-on help: Access to phone, email, and in-app support with extended hours helps reduce downtime.

• Language coverage: Support in multiple regional languages can improve adoption for distributed teams.

• Unified acceptance: Consolidating cards, UPI, QR, wallets, and links into one app helps simplify reconciliation and staff workflows.

• Mobility: Pocketable mPOS and smartphone acceptance are suited to delivery and pop-ups.

Risks And Limitations To Check

• Published pricing: Public information is limited beyond device pricing, so merchants should request a full commercial proposal covering MDR, verification fees, chargeback handling, settlement cycles, and any value-added service charges.

• Feature availability: EMI, wallet coverage, and specific bank integrations can vary by segment and time; verify your target payment methods during contracting.

• Hardware lifecycle: Clarify device warranty, replacement SLAs, and software update cadence to meet security and uptime needs.

• Compliance scope: Understand your PCI DSS responsibilities based on the chosen setup, including how card data is handled by the device, app, and your environment.

Conclusion

Payswiff offers an integrated acceptance stack tailored to India’s payment landscape, combining cards, UPI, QR, wallets, links, and EMI across POS, mPOS, and smartphone-based acceptance. Its app-centric approach, field-friendly hardware, and bank partnerships make it relevant for merchants that operate both at the counter and on the move. To ensure fit, merchants should validate pricing, feature availability, settlement terms, and compliance responsibilities during procurement.