Payment Orchestration for a Distribution Network
Pan-India · Trading & Distribution
Overview
Smart routing across three gateways with automatic failover, plus UPI AutoPay mandates for recurring dealer collections.
The challenge
A single gateway meant every outage was lost revenue, and payment success sat at 87%. Collections from 640 dealers were chased manually each month, with DSO at 54 days.
What we did
Transactions now route by instrument, issuer and live success rate, retrying through a second provider on decline. Recurring dealer invoices moved to UPI AutoPay and NACH e-mandates, and settlements reconcile automatically against invoices. Success rate rose 3.4 points and DSO fell by 19 days.
Project data
| Payment success rate | 87.2% → 90.6% |
|---|---|
| Gateways orchestrated | 3, with automatic failover |
| Dealers on e-mandate | 418 of 640 |
| DSO | 54 days → 35 days |
| Reconciliation effort | -82% (exceptions only) |
| Fee errors recovered | ₹11.4 lakh in year one |
Standards applied
- PCI DSS SAQ-D
- RBI PA/PG Guidelines
- ISO 27001
Scope supplied
- StancorPay
Related
- StancorPay