Safexpay is a comprehensive payment gateway platform designed for NBFCs, fintech, and lending companies, enabling easy integration and feature rollouts. It supports multi-country and multi-currency transactions and offers various payment methods with advanced security measures, including 256-bit encryption and PCI compliance. The platform provides automated processes, customizable reporting, and a wide range of payment solutions, catering to the diverse needs of clients and merchants.

1. SAFEXPAY:Thefuture of Payments
Theone-stop-shop for NBFC ,Fintech and lending
companies

2. Aquick introduction to SafexPay
Acapable teamwith
extensive experience
inPayments(PSPsand
Banks)
PayGate ownsits own
technologyplatform,
resultingineasier
feature rollouts for
Web, Media and
SocialMedia
platforms

3. TheSafexPayPayment Gateway Platform brings together the full
payment spectrum with asingleintegration
White-labelling capability for Merchants/Banks/Fin-
tech/Startups/IT companies
BuiltonNewtechnologieslikeAngular JS,Node JS,Spring,
and Hibernate.
Tried,Tested& Scalableplatform
Multi-Country & Multi Currency Acceptance
Platform
ValueAdded Featureswith multiple payment methods(online
Plusoffline)
Securedplatform having 256 bit encryption and 3.2 level PCI
compliant
Usedby 1000+ merchants

4. TechnologyPlatform Enablers
SCALABLEANDADVANCED
TECHNOLOGYPLATFORMTO
HANDLEVOLUMES
APIORIENTED
ARCHITECHTURE
MySQLDATABASE
ANGULARJSFOR
FRONT-END
SPRING&
HIBERNATE
FRAMEWORK
3-TIER
ARCHITECHTURE

5. 5
Extensible & Scalable Payments Platform

6. Product Description
➢ Platform to make payment to customers once loan is approved
➢ Platform to collect payments by sending reminders or integrating PG
➢ Automated collection by using ENACH
➢ Various payment options to collect payment using Netbanking, UPI, debit cards
➢ Dashboard to view transactions and download reports
➢ API to check transaction status
➢ Alerts to customer for making payments.
➢ Email and SMS options to collect payments
➢ White label payment platform for payout and collections of payment.
➢ Instant email and SMS Notifications
➢ Automated process with minimum Manual Operation requirements
➢ Customized reporting as Corporate Requirements

7. 7
Our Offerings
✓ Best Success Ratio
✓ Real time refunds for most of the banks
✓ Push Response technology
✓ Verification & Refund API’s
✓ Retry option
✓ Automated MIS
✓ Payment Analytics
✓ Tokenization for saving card details
✓ Partial and Full Refund processing
✓ Alerts configurations
✓ Almost Real-time verification with banks
✓ Uptime-Downtime Alerts
✓ Maximum Number of Payment Options
✓ Faster Settlement Cycle

8. 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

9. Transaction Flow
➢ Client will have many customers for making disbursement like loan/salary/reimbursements
➢ Client will deposit consolidated funds to Safexpay pool account .
➢ Client will send request for payment along with client ID plus ref number with other details in API
➢ Safexpay will accept the request and accordingly process the payment to respective customer account
using IMPS/UPI API of bank.
➢ Safexpay will send confirmation along with reference number to Client. API will return failed response if
any details are wrong or funds are not available in account.
➢ Safexpay will provide API to check transaction status for every transactions
➢ Safexpay also provide portal to download transaction MIS report.
➢ Safexpay will raise monthly invoice to recover transaction charges or Client can pre-fund amount for
transaction charges.

10. 10
Invoice Email/ SMS Based Payments

11. 11
Payment Options-Collection
✓ Debit Card Processors
▪ VISA,Maestro,Rupay
✓ NetBanking (50+banks)
✓ UPI
✓ EMI
✓ NEFT/RTGS/DD
✓ ENACH
✓ Cash Collection
✓ Debit Card with PIN

12. 12
Other Advanced Features
❑ Payment Page Customization
❑ Multiple Currency Acceptance
❑ QR Code based Payments
❑ SMS based Payments
❑ Email based Payments
❑ Surcharge/Partial Surcharge
❑ Various Pricing Configuration
❑ Multi-accountsSettlement
❑ White-Label Capability
❑ Uptime/Downtime View
❑ Sandbox
❑ Automated API for integration, Verification
❑ Smart Router for switching between gateways
❑ Alerts Configuration
❑ Push Response technology
❑ Payment Analytics
❑ Status Query API
❑ Spilt Payments
❑ Recurring Payments
❑ Retry Option
*denotes under integration

13. 13
Security and certifications
➢ 256 bit encryption
➢ Server to Server calls
➢ Merchant URL validations
➢ PCI DSS 3.2 level compliant
➢ ISO 27001:2013

14. Benefits
➢ 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
➢ Payment Collection using automated process
➢ Automated alerts

15. Type Fees (in Rs.) Remarks
Setup Fees One time Implementation cost.
Per Txns Cost for IMPS/UPI Rs. 4.50 upto Rs.
25K
Rs.9 above Rs. 25k
upto 2K
Neft charges Rs. 5 per txns
AMC (from second year)
Terms and conditions:
➢ Government taxes will be applicable over and above these pricing
➢ Funds should be done by clients directly to pooling account of safexpay
Payout-Pricing

16. 16
Fees & Charges-Collection
Fees Type/Payment
Methods
Schemes/Bank Name Txn fees Remark ,if any
Setup Fees
AMC
Net-banking ICICI, Axis ,SBI & Its associates
Bank
HDFC Bank
Other Banks
ENACH Mandate Registration
/Modifications
Per Txn Cost
Debit card Visa/Master/Rupay/Maestro
UPI
Wallets MobikWik, FreeCharge &
Other wallets
Cash Collections

17. 17
Fees & Charges
Fees Type/Payment
Methods
Schemes/Bank Name Txn Fees (In Rs.) Remark ,if any
Debit Card with PIN
Recurring Payments
BHIM (UPI)
GST will be applicable over and above these charges

18. Mumbai:
627-628, 6th Floor,LodhaSupremusII,
RoadNo.22, Wagle Estate,Thane,
Maharashtra- 400604
Gurgaon:
879 Udyog Vihar V,Gurgaon,
Haryana 122016