{"id":2446,"date":"2025-05-05T15:04:52","date_gmt":"2025-05-05T07:04:52","guid":{"rendered":"https:\/\/deekpay.com\/?p=2446"},"modified":"2025-05-05T15:04:52","modified_gmt":"2025-05-05T07:04:52","slug":"open-%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%9c%89%e5%be%88%e5%a4%9a%e5%a4%a7%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0%ef%bc%8c%e8%bf%98%e6%9c%89%e5%be%88","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/05\/open-%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%9c%89%e5%be%88%e5%a4%9a%e5%a4%a7%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0%ef%bc%8c%e8%bf%98%e6%9c%89%e5%be%88\/","title":{"rendered":"Open Payment Gateway: There are a lot of big three-way platforms and a lot of small four-way platforms for payments in India, are they all reliable?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts337.mm.bing.net\/th?q=phonepe336\" alt=\"There are a lot of big three-way platforms and a lot of small four-way platforms for payments in India, are they all reliable?\" title=\"There are a lot of big three-way platforms and a lot of small four-way platforms for payments in India, are they all reliable?\"><\/p>\n<p>In the Indian payments ecosystem, there is indeed a significant difference in the reliability of third-party (3P) and fourth-party (4P) payment platforms, which needs to be expertly assessed on several key dimensions:<\/p>\n<ol>\n<li>Regulatory Compliance<\/li>\n<\/ol>\n<ul>\n<li>RBI mandates PI licence holders (Paytm, PhonePe, etc.) to be subject to stringent capital adequacy (Rs. 1.5 crore minimum net) and data localisation requirements<\/li>\n<li>Small four-way aggregators often substitute PA-DSS compliance for full PCI DSS certification, risking technical vulnerability<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>Security of financial flows<\/li>\n<\/ol>\n<ul>\n<li>Legitimate 3P platforms are hosted in Escrow accounts (75% of the average daily balance is required to be deposited in RBI designated banks)<\/li>\n<li>Some 4P platforms have a \"straight-through processing\" model, resulting in merchant settlement cycles exceeding the T+2 standard<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>Technical risk indicators<\/li>\n<\/ol>\n<ul>\n<li>Fraudulent transaction rate controlled at 7-12bps for head platforms (industry average is 23bps)<\/li>\n<li>UPI underlying MDR cost pass-through may lead to hidden charges on 4P platforms (common 0.3%-1.2% surcharge)<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li>Market Practice Recommendations<br \/>\n- Monthly transaction volume of more than Rs. 5 lakhs should be preferred to RBI Tier II or above authorised PIs<br \/>\n- Cross-border business needs to confirm that the platform is OPGSP-qualified<br \/>\n- Be wary of long-tail aggregators offering unusually high cashback (over 1.5% on transactions)<\/li>\n<\/ol>\n<p>A case in point: A 4P platform in Mumbai in 2023 delayed settlement of more than 200 merchants due to insufficient reserves, highlighting the risks of non-licensed organisations. It is advisable to verify the credentials through the 'Payment System Operators' list on RBI's website and regularly review the platform's NETS financial health rating.<\/p>\n<h3><strong>Risk Management and Best Practices for Payment Platforms in India (continued)<\/strong><\/h3>\n<h4><strong>5. Analysis of typical risk scenarios<\/strong><\/h4>\n<ul>\n<li><strong>Funds retention risk<\/strong>: Some 4P platforms adopt a \"T+N\" settlement model (N&gt;3) and even require merchants to meet a minimum withdrawal amount (e.g. \u20b910,000), which affects cash flow.<\/li>\n<li><strong>data breach<\/strong>: In 2023, a regional aggregator was fined \u20b92.3 crore by the RBI for failing to implement Tokenisation that led to the compromise of 50 lakh card details.<\/li>\n<li><strong>Licence shell operation<\/strong>: Some small four-way through the \"white label co-operation\" to use the channel of licensed 3P, but the actual control party is not qualified, once the runaway merchants to protect the rights of difficult.<\/li>\n<\/ul>\n<h4><strong>6. Elements of the technical architecture assessment<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th><strong>norm<\/strong><\/th>\n<th>Reliable 3P platform standard<\/th>\n<th>Common deficiencies in high-risk 4Ps<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>API Response Time<\/strong><\/td>\n<td>&lt;300ms (99% SLA)<\/td>\n<td>&gt;800ms, frequent timeouts<\/td>\n<\/tr>\n<tr>\n<td><strong>Failed transaction rate<\/strong><\/td>\n<td>&lt;0.5%<\/td>\n<td>&gt;2% (especially UPI scenarios)<\/td>\n<\/tr>\n<tr>\n<td><strong>Audit log<\/strong><\/td>\n<td>ISO 27001 certification + quarterly penetration testing<\/td>\n<td>Log storage &lt;30 days or no encryption<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><strong>7. Merchant risk control recommendations<\/strong><\/h4>\n<ul>\n<li><strong>Highlights of the review of contractual terms<\/strong>::\n<ul>\n<li>Clarify the settlement cycle (should be \u2264 T+2), fee structure (whether hidden fees such as \"Gateway Maintenance Fee\" are included)<\/li>\n<li>Mandatory requirement of Data Localisation Compliance Certificate (RBI DPSS Regulations)<\/li>\n<\/ul>\n<\/li>\n<li><strong>Sandbox testing mandatory items<\/strong>: Simulate high concurrency transactions (\u2265500TPS), power failure recovery, repeat payment processing logic<\/li>\n<\/ul>\n<h4><strong>8. RBI Regulatory Update (2024)<\/strong><\/h4>\n<ul>\n<li><strong>UPI Lite Limit Upgrade<\/strong>: The single transaction limit has been increased from \u20b9200 to \u20b9500, which is suitable for small, high-frequency scenarios in small quadrants, subject to confirmation of support for auto-reconciliation.<\/li>\n<li><strong>Cross-border payments tighten<\/strong>: All aggregators involved in FX are required to complete the EMPS licence upgrade by 2024Q3, otherwise the business will be wound down.<\/li>\n<\/ul>\n<h4><strong>9. Reference to alternatives<\/strong><\/h4>\n<p>If you are concerned about the risk of small quartets, consider the following hybrid model:<\/p>\n<ol>\n<li><strong>Main channel selects licensed 3P (e.g. Razorpay\/CCAvenue) to handle 80%+ volume<\/strong><\/li>\n<li><strong>Supplement long-tail scenarios with 4Ps with PA-DSS certification (e.g. Cashfree partners)<\/strong><\/li>\n<li><strong>Self-built PCI DSS Level 1 compliant Direct UPI access (requires technical team support)<\/strong><\/li>\n<\/ol>\n<p>For in-depth analyses of compliance validation methodologies or technical architectures for a specific platform, this can be explored further.<\/p>","protected":false},"excerpt":{"rendered":"<p>In the Indian payments ecosystem, the availability of third-party (3P) and fourth-party (4P) payment platforms...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-2446","post","type-post","status-publish","format-standard","hentry","category-4"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Open \u652f\u4ed8\u7f51\u5173\uff1a\u5370\u5ea6\u652f\u4ed8\u6709\u5f88\u591a\u5927\u4e09\u65b9\u5e73\u53f0\uff0c\u8fd8\u6709\u5f88\u591a\u5c0f\u56db\u65b9\uff0c\u90fd\u9760\u8c31\u5417\uff1f - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta 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