Payverse™
One Intelligent Universe for Commerce, Payments & Merchant Credit
Built for India’s merchants, kiranas, and neighbourhood service shops — Payverse unifies commerce, financial services, and AI-driven behavioural credit into a single Merchant Operating System.
Fully compliant with Indian digital public infrastructure and ready for large-scale deployment.
“Payverse is building the financial and commerce infrastructure for the 500 million Indians who rely on their neighbourhood merchant more than any digital platform.”
Core Pillars
Built on four integrated layers of innovation.
MerchantOS
AI-assisted POS, Khata+, billing, inventory tracking, and Co-Pilot — enabling merchants to run their entire business through a single app.
Commerce OS
Multi-category dropship marketplace and ordering network engineered for local merchants. Includes a curated high-margin catalog, replenishment recommendations, and neighbourhood fulfilment flows.
Fintech OS
Integrated payments, BBPS, wallet, remittances, and store-led financial services tailored for India’s cash-dependent population.
Intelligence Graph
A real-time behavioural graph synthesizing merchant activity, catalogue demand, repayment streaks, and operational signals into actionable intelligence.
Powered by OmniRetailIQ Intelligence
Payverse isn't a traditional payment gateway. It's AI-native financial infrastructure, deeply integrated with real retail behaviour.
Lightweight POS + Khata + replenishment app designed for offline-first merchants.
Derives repayment confidence from cashflow & Khata+ patterns.
High-margin curated catalog with regional demand indicators.
Payments, BBPS, and wallet rails tied into merchant trust networks.
Cross-layer risk, demand, and behavioural insights.
StorePulse Lite
New Age Merchant Operating System
Payverse Marketplace
Locally Curated High-Margin Catalog
Who We Serve
Connecting the dots between digital capital and offline commerce.
Local Merchants
Equip neighbourhood merchants with digital commerce, payments, financial services, and a modern AI-powered Merchant OS — designed for offline-first India.
Brand-to-Retail Distribution
Enable brands to reach India’s fragmented long-tail retail with intelligent demand signals and a unified ordering network.
D2C Brands
Expand offline reach instantly through Payverse MerchantOS — offer your products through trusted local merchants.
Financial Institutions
Plug into behavioural credit signals, merchant intelligence, and secured payment rails for smarter underwriting.
Join the Payverse Network
A new digital economy for India’s unbanked, underserved, and offline-first customers — powered by their trusted neighbourhood merchants.