Safex Pay is a comprehensive payment solution platform launched by Paygate India Pvt. Ltd., offering a wide variety of payment methods and technologies including payment gateways, e-wallets, and smart routing features. With its secure and scalable technology and extensive integration capabilities, Safex Pay aims to enhance customer experience through flexibility and ease of use in transacting. The platform also focuses on white-label solutions and customized offerings for businesses to streamline their payment processes.

1. SAFEX PAY: The future of Payments
The one-stop-shop for all your payment needs
March, 2018

2. VARIOUS PAYMENT SOLUTION
➢ Introduction
➢ Payment Aggregation & Gateway Platform
➢ Email/SMS /voice/QR Based Platform
➢ Smart Routing & Tokenisation
➢ SI & ENACH Solution
➢ Education & Society Solution
➢ JS checkout
➢ White label & Private label platform
➢ Virtual Card Payment Collection Solution
➢ E-Wallet Solution
➢ Card Issuance with Co-Branding
➢ Smart Collect Platform

3. ➢INTRODUCTION

4. A quick introduction to Safex Pay
PayGate India Private
Ltd was founded in
2014. SafexPay is a
brand of PayGate
India Pvt. Ltd.
A capable team with
extensive experience
in Payments (PSPs and
Banks)
PayGate owns its own
technology platform,
resulting in easier
feature rollouts for
Web, Media and
Social Media
platforms
Tried and tested
solutions for Enterprise
Clients, Banks and
Resellers
Get detailed insight
into the customer's
buyer journey,
transactions and other
reports
…a host of other
value-added
features

5. SafexPay:
The one-stop payment solution
With a single integration, SafexPay provides you with the complete payment spectrum at the lowest possible price:
PAYMENT GATEWAY WALLETS UPI PAYMENTS COIN
A unified Payment Gateway
solution for:
• Debit Cards
• Credit Cards
• Net-banking
• EMI
• Debit Card with PIN
• Cash Collections
• ENACH
• Wallets
A single integration with
our Gateway provides
access to these 10
wallets- and more!
Ability to accept UPI-
based payments from
your customers
One-of-a-kind mobile
transfer technology that
allows customers to
transfer money using JUST
the receiver’s / merchant’s
registered mobile number
Today’s customer is diverse, demanding and has a short attention span. A business’s ability to provide them
with more payment options and a quick checkout can be a large boost to their business. With SafexPay, a
single integration gives businesses access to the full range of payment options which offer their customers
unparalleled flexibility and ease in transacting.

6. SafexPay is a tech powerhouse on a steep growth curve, addressing some
of the largest and most untapped markets in the world
Offices in Mumbai and Gurgaon
Banks we have strategic tie-ups with
15+
E-Wallets in a single integration
10+
Large White-label Deals in the pipeline within a
short timespan
>40
A team of 40+ hand-picked professionals across Tech,
Business Development, Operations, Customer Service Risk and
Shared Services, driving cutting edge technology in online
payments
40+
In-House Technology gives us the
power to undertake faster feature
roll-outs and upgrades and a clear
edge over competitors

7. The SafexPay Payment Gateway Platform brings together the full
payment spectrum with a single integration
White-labelling capability for Merchants/Banks/Fin-
tech/Startups/IT companies
Built on New technologies like Angular JS, Node JS, Spring,
and Hibernate.
Tried, Tested & Scalable platform
Multi-Country & Multi Currency Acceptance
Platform
Secured platform having 256 bit encryption and 3.2 level PCI
compliant
Value Added Features with multiple payment methods(online
Plus offline)
Used and trusted by an extensive network of
1000+ merchants across India

8. Scalable and Intuitive Platform built around ensuring ease of use
and maximum utility
Simple to Implement Rich Features Intuitive Admin Panel
▪ Fully functional demo account
▪ Comprehensive API tools
▪ Self-explanatory integrations
▪ Payment APIs
▪ Tokenization
▪ Recurring billing, e-invoicing
▪ Rich Admin interface
▪ Self onboarding platform
▪ Reporting analytics
▪ Real-time transaction dashboard
▪ Manage team permissions
Merchants without Websites Highly Secure Native Checkout Experience
▪ E-invoicing
▪ QR Codes
▪ Quick links
▪ PCI DSS Level 3.2 Certified
▪ ISO 27001-2013 Certified
▪ Real time fraud detection
▪ Multi-Currency
▪ Multiple languages
▪ Transparent pages
▪ Branded pages
1 2 3
5 64

9. Technology Platform Enablers
SCALABLE AND ADVANCED
TECHNOLOGY PLATFORM TO
HANDLE VOLUME
API ORIENTED
ARCHITECHTURE
MySQL DATABASE
ANGULAR JS FOR
FRONT-END
SPRING &
HIBERNATE
FRAMEWORK
3-TIER
ARCHITECHTURE

10. SafexPay is fast emerging as the Tech Partner of Choice for Several
White-label Clients
SafexPay is fast emerging as the Tech Partner of Choice for several Premium White-label
clients seeking top-end solutions in India and abroad. In our view, this revenue stream has large untapped
potential, and the tremendous response from the market on our product in the early months from
launch is the biggest indicator of the growth that lies ahead.

11. ➢ONLINE PAYMENT AGGREGATION PLATFORM

12. Transaction Flow

13. Payment Methods at a glance
CARD PROCESSORS NETBANKING
Accepting
payments from
60+ Banks
M-WALLETS
Instant Single
integration with
10+ wallets
MULTI CURRENCY NEW-AGE PAYMENTS
UPI based payments
Recurring payments
EMI with 9 Banks
VALUE ADDED FEATURES
NACH
Cash Collections
NEFT / RTGS / DD /
Cheque
International Cards
Multi Currency Acceptance

14. State-of-the-Art Modules and Feature Interface
▪ Merchant Onboarding Module
▪ Reconciliation Module
▪ Reporting Module
▪ Bank On-boarding module
▪ Settlement Module
▪ Payment Page configuration
▪ Reseller Module
▪ Advanced Payment Features
▪ Various Integration API & Shopping
cart support
▪ User Management and role
mapping
▪ Payment Analytics
▪ Chargeback Management
▪ Smart Routing

15. SafexpayPaymentHosted

16. MerchantHostedPage

17. Settlement Cycle
➢ Customer account will get debited in real-time and money gets credited to internal account of the
respective Bank on ‘T’day.
➢ Respective bank sends the money to the Nodal account on’ T’+1 Working day along with reconciliation
files where ‘T ‘is the transaction day.
➢ SafexPay system does reconciliation with reconciliation file received from respective banks and
generates settlement/ refund reports.
➢ SafexPay settles the money into the respective merchant’s bank account on T+2 working days through the
SafexPay Nodal account.

18. ➢JS Checkout Solutions

19. JS Checkout Solution
➢ No Redirection Required to the aggregator’s page.
➢ Advanced technology for Payment collection
➢ Seamless Txns Flow
➢ Own Branded Payment Page
➢ Highest Success ratio due to no redirection.
➢ Out of PCI DSS purview.
➢ Supports Multiple Payment Options

20. JS CHECKOUT- SCREEN 1

21. JS CHECKOUT- SCREEN 2

22. JS CHECKOUT- SCREEN 3

23. ➢EMAIL/SMS/Voice/QR based Platforms

24. Email/SMS/QR Code Solutions
➢ No Website required
➢ Payment Can be collected by different Payment mechanism
➢ Customized QR Code Solution
➢ Customized Email and SMS templates
➢ Bulk Collection Option
➢ Mobile Apps with Online registration
➢ Alerts on every payments( SMS and Email)
➢ Seamless Merchant Onboarding flow
➢ Reminders and expiry setting option
➢ White-label and Customization option
➢ Mobile with Email/SMS/QR Code plus MPOS based payment collection options

25. Invoice Based Payments

26. SMS Based Payments

27. QR Code Based Payments

28. ➢WHITE LABEL & PRIVATE PAYMENT PLATFORMS

29. Payment Aggregation Platform
➢ Deployment of all modules on Partner server on licensed model.
➢ All Integration API in Partner name along with Sample codes
➢ Domain Whitelisting
➢ Automated Reconciliation and refund API for merchants
➢ On-boarding of banks with Configurations as per partner requirement
➢ Various Pricing configuration( Brick and Mortar Model as well)
➢ Various payment methods
➢ White-label plus customization option

30. SafexPay can build you a white label payment gateway of your
own in less than one week
▪ Payment Page Customization
▪ Multiple Currency Acceptance
▪ QR Code based Payments
▪ SMS based Payments
▪ Email based Payments
▪ Surcharge/Partial Surcharge
▪ Various Pricing Configuration
▪ Automated API for integration, Verification
▪ Smart Router for switching between gateways
▪ Alerts Configuration
▪ Push Response technology
▪ Payment Analytics
▪ Status Query API
▪ Multi-accounts Settlement
▪ Multiple Language Payment Page*
▪ Uptime/Downtime View
▪ Sandbox
▪ JS checkout Integration
▪ HTML Buy Button
▪ Bulk payment Collection
▪ Social Media Payments*
▪ Spilt Payments
▪ Recurring Payments
▪ Dynamic Currency Conversion*
▪ Retry Option
▪ Partial Refunds
▪ Education & Society Solution

31. Advantages of White-Label
➢ Customized Payment Page for Partner Branding
➢ Master Merchant Panel in Partner Branding
➢ Sub Merchant Panel with Partner Branding
➢ Dedicated Support Service for Partner Branding
➢ Promote your own payment page & Branding
➢ More business for Partner Branding
➢ Faster Go to market

32. Advantages to Merchants
➢ Single service provider with all payment options
➢ Single reporting, reconciliation and settlement system
➢ Single agreement with aggregator
➢ Bundled offering
➢ Chargeback management
➢ Transaction risk monitoring system
➢ Cost benefit for merchants
➢ Ease of integration, single API for web and mobile
➢ Customization – reports, integration etc.
➢ Trust associated with PL Partner brand

33. Advantages to Partner
➢ First mover advantage
➢ Multiple payment options
➢ Increased brand recognition
➢ Better penetration in market
➢ Single day activation with selected banks
➢ Limited documentation
➢ 24x7 technical and priority support
➢ Automated ticket queuing system for query resolution
➢ Single reporting system for all payment options
➢ Bundled offering
➢ No need to be dependent on banking partners
➢ Own PCI DSS certifications

34. ➢SMART ROUTING

35. SMART ROUTING
Features of Smart Router:
✓ Flexibility to smartly route transactions using multiple rules
✓ Smart reporting tools, analytics, settlement & reconciliation
✓ Easy to configure rules
✓ Multiple configuration modules
✓ Highly scalable solution
✓ White label capability
✓ Quick Integration - Integrated with Top Acquirers and Aggregators
✓ Multiple Modules for all segments of business
Smart Routing: It is the smart way of routing transactions whenever any gateway is down or
success ratio is low.

36. Advantages of Smart Routing
➢ Seamless Transaction flow.
➢ Higher Success ratio
➢ No Need of Changing integration API
➢ Dynamic Switching between various Payment options
➢ Onus Specific Routing
➢ Single Integration for all payment options
➢ Admin Portal for changing rules
➢ Notifications for any downtimes
➢ Configurable platform with various rules

37. Tokenization
Tokenization is the process of replacing sensitive data with unique identification symbols that retain
all the essential information about the data without compromising its security.
What are the advantages?
 Increase Success Rates which were earlier affected because of long payment processes.
 Integrates easily with website offering a seamless customer experience.
 Reduce instances of chargebacks
 Offers absolute parameter control
 Eliminates PCI-DSS compliance issues
Are customer details safe?
• Tokenization uses an Advanced Encryption Standard (AES) - 256 Encryption technology and has
Encryption Key management as per PCI DSS Security standard.

38. ➢RECURRING PAYMENT SOLUTION & ENACH

39. What is SI?
✓ A standing instruction is an instruction which a credit card account holder gives to his or her
bank to pay a set amount at regular intervals to another's account.
✓ SI is used to pay rent, subscription based services, Insurance ,donation and utility bills.

40. Setup a Standing Instruction
• The customer will provide below mentioned details, Standing Instruction Debit Amount Limit, Service End
Date &
• E-mail ID where he/she wishes to receive an alert confirmation for the registration.
• Customer will be filling all details on payment Page during registration.
✓ Full Name
✓ Address
✓ Email ID
✓ Transaction Amount
✓ Phone Number
✓ Start Date – Date picker
✓ End Date – Date picker
✓ Frequency – Every week, Every two weeks, Every month, Every six months, Every Year
✓ 16 Digit Credit Card Number ( For Transactions)
✓ CVV
✓ Expiry Date of the Credit Card (Do we have any validation to the last frequency date with the card
expiry date.
✓ Additional Info 1
✓ Additional Info 2

41. ENACH-Features
➢ Create/Amend/Cancel electronic mandates (eNACH)
➢ Offer Corporate customers eNACH facility
➢ White-label user interface for eNACH
➢ Get customers to sign eNACH using Aadhaar
➢ Verifiable mandates &signatures for Banks
➢ 100% data accuracy
➢ No risk of rejections owed to signature mismatch
➢ Compliant as per NPCI guidelines

42. E-NACH-Transaction Flow

43. Merchant Settlement & Payouts
➢ All transactions executed on T day shall be validated with the responses received from
acquirer/issuer on T+1.
➢ Post reconciliation of fund receipts with success statuses on T+1 EOD; the payouts shall be
initiated on T+2 to the designated account(s) of the provider.
➢ Corresponding settlement reports will be posted online in merchant console.

44. ADVANTAGES
➢ Seamless Transaction Flow
➢ Real Time Mandate Registration
➢ No Need of Submitting Physical docs.
➢ Verifiable mandates &signatures for Banks
➢ 100% data accuracy
➢ No risk of rejections owed to signature mismatch

45. ➢EDUCATION AND SOCIETY SOLUTIONS

46. Education and Society PaymentSolutions
➢ No Needof ERPSolutions
➢ Integrated Payment Solutions and Alerts
➢ Options for user to Upload Data ofstudents/Society Members
➢ Payment Pagewith Schooland Society Branding
➢ Option for Surcharging to Students/Customers
➢ Option to SendPayment Linkvia Email/SMSfor Collections
➢ BulkData Upload facility
➢ QRcodeMechanism for paymentcollection
➢ Reports/MIS
➢ Alerts to usersviaemail/SMS

47. Education and Society Solution –Screen 1

48. Education and Society Solution –Screen 2

49. Education and Society Solution –Screen 3

50. ➢E-WALLET SOLUTIONS

51. DIGITAL WALLET PLATFORM
➢ Mobile Money & Digital wallet & Advanced technologies like HCE,BLE
➢ Built on New & upcoming technologies
➢ No Need of RBI License(for India ) for launching your own Wallet
➢ Scalable Platform
➢ Ability to handle various form factors
➢ Multiple Unique Features
➢ White label Capability
➢ 3 Tier Architecture
➢ Ability to issue Co-branded Physical cards
➢ Ability to issue virtual prepaid card

52. Wallet Modules and Technology Overview
✓ Agent Registration
✓ Agent Hierarchy Management
✓ Bulk Payment Processing
✓ Commission Management
✓ Promotion &Redemption module
✓ Multi card functionalities
✓ Tokenization
✓ Settlement Module
✓ Customer Module
✓ Reconciliation
✓ Customer Console
✓ Alerts Management Module
✓ Customize UI
✓ HCE Payments using NFC technology
✓ Integrated Payment Gateway
✓ User Managements
✓ Limit on sub wallets
✓ Domestic money transfer
✓ Android and IOS APP
✓ Prepaid Card issuance with Virtual
Card
✓ Customer Enrollment
✓ Pricing Configuration
✓ QR code Payments
✓ Bar Code Payments
✓ Integrated Recharge &Bill Payments
✓ Beacon Payments
SafexPay’s state-of-the-art wallet technology platform developed in-house supports
Closed, Semi-Closed and Open Wallets with the following key modalities:

53. State-of-the-art Features and Functionality

54. White-label a wallet platform for your loyal customers
SafexPay can build you a fully loaded customized wallet platform within
3 weeks.
✓ Prepaid wallet Platform to help merchants/Banks/IT companies
launch Closed, Semi-Closed, or Open wallets
✓ Launch Your Wallet without a PPI license
✓ Scalable Platform with service oriented architecture
✓ Future ready features like NFC and Bluetooth
✓ Tested 15 day go live period
✓ Capability to issue Physical Prepaid cards to all your customers with
corporate branding

55. Consumer & Merchant/PGs Benefits

56. Benefits of Wallet Platform
➢ Safe and Secure
➢ Easy & Convenient
➢ White-label Capability
➢ Access Anywhere Anytime
➢ Multicurrency & multi Country acceptance
➢ Various Form factor for acceptance
➢ PCI & ISO Compliant
➢ Single platform for all your wallet needs

57. ➢Virtual Card Solution

58. QPAY LIVE
QPayLive is one of the best, simple and easy to use mobile & Web platform available that processes your
transactions over Terminal.
• Features:
➢ Process payment using Credit/Debit card over Virtual terminal
➢ Alerts over email and SMS
➢ Multi Currency Processing
➢ Card Details Captured on Virtual Terminal
➢ Rolling reserves
➢ White label Capability
➢ Settlement Configuration

59. Transaction Flow
➢ Customer will call to merchant Customer service desk
➢ Customer Service Will confirm about product amount and payment.
➢ Customer will share card details over mail (to the merchant designated email id ) or customer
can put card details on merchant page or their Mobile wallet app.
➢ Merchant user will login on Qpay live portal and put card details and process the payment
(if card details sent over email).Merchant will be shown transaction response
➢ Customer will put card details over web/app and can process the transactions .Customer will
get transaction response.

60. Payment Screen

61. Card Details Capture

62. Payment Processing Screen

63. Transaction Confirmation

64. Features
➢ Merchant On-boarding
➢ Reconciliation & Settlements
➢ Merchant Portals for MIS, Analytics
➢ Various Payment Flags like success,pending, refund etc
➢ Reason for failures
➢ Transaction Status Query
➢ Rolling Reserves
➢ Alerts configuration

65. Advantage for QPAYLIVE
➢ Any Acquirer integrations can be done
➢ 24x7 technical and priority support
➢ Automated ticket queuing system for query resolution
➢ Single reporting system for all payment options
➢ Virtual Terminal For Processing Payments

66. Key Differentiators: What Sets QPay.Live Apart
▪ Flexible and time-efficient merchant
acquiring
▪ 24/7 Technical and Customer Support
▪ Automatic ticket Queuing for Query
Resolution
▪ Single Panel Reporting for all
Payment Options
▪ World-class Banking and payments
network leverage for transaction
success
▪ Instant SMS notifications and updates
▪ Top-end MIS and transaction analytics
▪ Timely reconciliation and reliable
settlements
Robust Risk Management, round-the-clock Customer Care, Tech Support and access to a world-class Banking
network are only a few of the things that set QPay.Live apart:

67. SMART COLLECTPLATFORM

68. SMART COLLECT PLATFORM
➢ Seamless Integration capabilities via API
➢ Automated reports and Status Check of transactions
➢ Instant email and SMS Notifications
➢ Customized reporting as Corporate Requirements
➢ Automated process with minimum Manual Operation requirements

69. Transaction Flow
Corporate user Safexpay Bank user
Send request via API
with customer details
Confirmation will be sent
to company via API or
Login to admin portal for
downloading reports
Details will be
sent to bank for
processing via API
Bank will Process
the txns and Give
credit to user
Confirmation will be
sent to Safexpay via
Bank in API

70. Requirements
➢ Corporate Should fund Safexpay Account with Amount which they have to make
Payments
➢ Corporate Should be having SSL for API communications
➢ Corporate Should integrate these API’s

71. ADVANTAGES
➢ Seamless Transaction flow
➢ Automated reconciliation and reporting
➢ Bulk Payments without dependencies on manual Processing
➢ Faster Settlements to Customers
➢ Safe and Secure
➢ Multi Vendor payment management

72. Why SafexPay?
➢ First Payment company In India using 256 bit encryption, Push response technologies and having multi
payment solutions
➢ PCI DSS Level 3.2 and ISO 27001:2013 Certified company
➢ Automated Reconciliation, Refunds and Settlement Process.
➢ Team with 100+ years of payment experience
➢ Fastest Growing Fintech Company for Payment platforms
➢ 24*7 Customer & technical Support

73. Mumbai:
627-628, 6th Floor, Lodha Supremus II,
Road No.22, Wagle Estate, Thane,
Maharashtra- 400604
Gurgaon:
879 Udyog Vihar V, Gurgaon,
Haryana 122016