Merchant Payments - Enkash Developer Portal

What This Solution Enables

Our Closed-Loop PPI Wallet enables seamless, secure, and low-cost digital payments across your curated merchant ecosystem. Customers can load money into their wallet and spend exclusively at approved partner merchants, ensuring higher control, better compliance, and a frictionless payment experience.

This solution is ideal for consumer platforms, corporate networks, retail ecosystems, mobility services, education networks, and lifestyle brands looking to offer a branded digital payment experience.

How It Works

Add Fund

Customers add funds using:

Cards

Netbanking

UPI

Fund transfer

Pay at Merchant

A transaction request can be initiated via:

Dynamic/static QR,

Web checkout page,

In-app intent,

Payment Approval

The customer approves the payment through the co-branded partner's app or by scanning the QR deployed at the merchant storefront

Real-Time Authorization

EnKash validates:

Sufficient balance in the wallet

Wallet + merchant eligibility

KYC status

Risk checks

Upon success, funds are instantly debited from the user wallet and credited to the merchant’s internal settlement account.

Settlement to Merchant

Merchants receive settlement as per agreed cycle (T+1 / T+2), along with:

Detailed reconciliation files

Transaction reports

Refund and dispute controls

Why This Works for Your Network

Capability	Partner Benefit
Closed-loop usage	Higher retention + predictable spend behaviour
Fast & seamless checkout	Better conversion, fewer drop-offs
In-app branded experience	Strengthens partner branding
Rule-based controls	Limit misuse, fraud, and out-of-network spends
Refunds & reversals	Full control over customer experience
Unified ledger & reporting	Accurate settlement and reduced operational effort

PPI Wallet–Based Merchant Payments in a Closed-Loop Network

What This Solution Enables#

How It Works#

Why This Works for Your Network#

What This Solution Enables

How It Works

Why This Works for Your Network