One integrated platform across four capability layers.

The Genius platform unifies the full payments value chain — so banks orchestrate issuing, acquiring, switching and compliance on a single architecture.

Layer 01

Acquirer Capabilities

Everything to onboard, accept, settle and service merchants.

Merchant onboarding

Merchant dashboard

Recurring hub

Terminal management

UPI switch

Settlement

Disputes

FRM

Layer 02

Networks & Core Infrastructure

Cloud-native rails connected to every major global scheme.

Visa

Mastercard

RuPay

UnionPay

Discover

Amex

Cloud native

Smart routing

API stack

Multi-currency

Layer 03

Issuer Capabilities

Full lifecycle issuance across every card type and form factor.

Credit

Debit

Prepaid

Virtual cards

Card controls

CMS

UPI on credit

EMVCo 3DS

Layer 04

Channels & Compliance

Distribution endpoints and the regulatory backbone underneath.

Payment gateway

Merchant app

POS

Developer portal

ONDC

RBI

PCI

EMVCo

What this means for your institution

Consolidate fragmented vendors into one architecture

Faster product launches across markets and segments

Single pane of glass across issuing, acquiring and settlement

Lower total cost of ownership at enterprise scale

Regulatory readiness embedded by design

Future-ready for UPI, agentic commerce and tokenized rails