Merchant acceptance
Own the merchant relationship, from onboarding to settlement. Run online, QR, closed-loop and orchestrated acceptance on one platform built for banks.
Bank-Owned Merchant Payments
Most banks only touch merchants at settlement. A modern acceptance platform puts the bank in every step, from sign-up to payout.
Solution areas
Pick the acceptance models you need. They share one merchant, processing and settlement layer.
ONBOARDING
Onboard and manage every business, store, counter and endpoint in one hierarchy.
KYB, approvals and workflows set by merchant type.
Groups, merchants, stores, counters and endpoints in one model.
Transactions, balances and compliance in one place.
Merchants manage users, reports and acceptance themselves.
Online checkout
Bank-owned checkout and gateway for web, mobile and embedded journeys.
Cards, UPI, net banking and wallets in one flow.
Hosted pages, APIs or journeys embedded in the merchant app.
APIs, SDKs and webhooks for merchant developers.
In-store QR & UPI
QR and UPI acceptance at the counter, without card POS terminals.
Set up merchant, store and counter identifiers.
UPI, Bharat QR, collect and intent flows.
Payments, refunds and reversals as they happen.
Closed-loop networks
Networks where your program sets acceptance, pricing and settlement rules.
Choose where an instrument works, down to the counter.
Pick the funding source from merchant and wallet attributes.
Set fees, pricing and settlement rules by program.
Combine closed-loop acceptance with open rails.
Orchestration
Route across providers and rails, with failover and one transaction status.
Route by method, merchant, availability and policy.
Many providers behind one merchant interface.
Switch paths when a provider or route is down.
One transaction model across every provider.
One Operating Foundation
Merchant onboarding, online checkout, QR acceptance and closed-loop networks rely on many of the same foundational capabilities. Zeta brings these together on a common platform so banks can expand merchant payment businesses without assembling a new operating stack for every acceptance model.
