Projects

Our acknowledged experience in the business as well as the technology considerations of payments helps us provide complete, comprehensive, solution to our clients.

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Our flagship product is PayPhi – a solution enabling cashless payments on delivery




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About Us

Overview

Our focus is launching innovative payment solutions that benefit the instituions offering them as well as the end consumer. We do this through our product offerings and by providing solutions to retail payments players to help them address their payment challenges in innovative ways.

We are not just a technology company – we are payment experts. Our core team has combined experience of over 100 years with some of the biggest names in the banking and cards business. We have been directly responsible for some of the most innovative payment solutions in the market today.

Our experience spans payment solutions currently deployed in over 25 countries across Asia, North America, Europe and Africa.

Phi Commerce Advantage

Acknowledged innovators in payments

Deep domain as well as technology experience

Real-life experience with some of the biggest names in the business

Core Team

We are a team of veteran founders, architects and software engineers who are constantly working towards revolutionizing in-store, online and in-app payments and making them convenient, secure and ubiquitous.

Jose Thattil

Jose Thattil

Anil Sharma

Anil Sharma

Tushar Shankar

Tushar Shankar

Rajesh Londhe

Rajesh Londhe

Ramkumar Subburaj

Ramkumar Subbaraj

Jofin Francis

Jofin Francis

Sandesh Pise

Sandesh Pise

Mangesh Shinde

Mangesh Shinde

Amol Phadtare

Amol Phadtare

Payment Consulting

Overview

The exploding adoption of smartphones and the proliferation of the consumer internet and social media has brought about a sea change in the world of retail payments. The change has brought with it some challenges for the businesses too – there is a need to process payments faster and more efficiently through ever-evolving channels, address risks of non-payments or returns and all while aggressively pursue growth strategies.

Phi Commerce can help you design, develop and implement payment solutions that help your business to address these challenges and ultimately to increase sales and profits!

We address comprehensive solutions in areas including:
eCommerce Payment Solutions | Mobile payments | Point-of-Sale (POS) acquiring | ATMs and kiosks | Payment Technologies like EMV, NFC payments and HCE | Credit and Prepaid Cards | Payment applications - development and design

Our Services

Business Strategy

Phi Commerce’s Payments Strategy practice helps business define and design the comprehensive payment solution that is right for their business goals. We leverage our deep payments industry knowledge and cutting-edge technology approaches to help clients:

  • Develop business plans
  • Design highly specific strategies to meet theirspecific business needs
  • Identify and nail down integration points and external dependencies

Technology Services

In the payments industry specifically business models and technology innovation are inextricably linked. As technology changes, business models have to evolve and this has created a demand for technology-enabled business transformation services. Phi Commerce has years of experience in the business domain as well as the technology space and based on that, helps clients resolve critical technology challenges and address these dynamic market requirements. We understand:

  • Transaction acquiring channels like POS, ATMs and IVR
  • Mobile payments and eCommerce
  • Issuer products like credit, debit & prepaid cards & wallets

Project Execution

The final decision on whether a solution works can, necessarily, only be made when it is implemented perfectly. Phi Commerce’s project execution service help companies execute their payment solutions projects. Our team has experience of having implemented payment solutions across over 25 countries and for some of the biggest names in the banking and cards space and it is this experience of having successfully delivered projects that we bring to bear on the project of our clients’ too. We help clients across the entire project lifecyle:

  • Defining the RFP (request for proposal)
  • Vendor selection
  • Solution consulting
  • Tracking implementation
  • Setting up best-of-breed operational processes for continued impact
  • Ensuring successful launch of the project

Payment Solution

PayPhi is an innovative solution that presents a better and easier alternative to Cash on Delivery.

70% of eCommerce transactions in a fast-growing eCommerce market like India are Cash-On-Delivery (COD). Research shows that customers pick COD because they do not completely trust that the good will get delivered as promised and COD is a solution to solve this trust deficit. But COD is an imperfect solution that nobody in the eco-system likes.

  • Customers don’t want to keep so much cash at hand at home
  • Logistics companies find it hard to manage cash and also cannot offer COD collections in all areas
  • Merchants / eCommerce players report that an abnormally high percentage of “returns” are from COD transactions

PayPhi takes away the hassles of cash management in COD for the merchant, the logistics company and the customer while providing customers with the same surety as that of COD with enhanced convenience. The customer makes a simple app-based payment upon receiving delivery making payments frictionless and easier. Read More....

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