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

## <span style="color:#7b2cbf">What This Solution Enables</span> 

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.

## <span style="color:#7b2cbf">How It Works</span> 

<Steps>
  <Step title="Add Fund">
    Customers add funds using: 
      
      * Cards
      * Netbanking
      * UPI
      * Fund transfer
  </Step>
  <Step title="Pay at Merchant">
    A transaction request can be initiated via: 
      
      * Dynamic/static QR, 
      * Web checkout page, 
      * In-app intent, 
      
  </Step>
  <Step title="Payment Approval">
    The customer approves the payment through the co-branded partner's app or by scanning the QR deployed at the merchant storefront
  </Step>
    <Step title="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.

  </Step>
    <Step title="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
  </Step>
</Steps>

## <span style="color:#7b2cbf">Why This Works for Your Network</span> 

| 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 |