Enterprise payment gateway and omnichannel transaction platform
Phi Commerce operates a Java/Spring-backed payment platform processing transactions across cards, UPI, net banking, wallets, and bank transfers. The tech stack is conventional for fintech infrastructure (Kafka for messaging, MySQL for state, REST/SOAP for integrations with Stripe, PayPal, Square, Adyen), but hiring velocity is decelerating with only 6 active engineering roles—a signal the platform may be stabilizing post-launch or facing capital constraints. Current project focus on payment switch testing and transaction flow validation suggests active work on reliability and compliance rather than new feature expansion.
Phi Commerce is an RBI-licensed payment aggregator and omnichannel payment solutions provider headquartered in Pune, India. Founded in 2015, the company serves enterprises, banks, fintech platforms, and government agencies with a unified payment platform supporting multiple methods: cards, net banking, UPI, Aadhaar, wallets, NEFT, RTGS, and eNACH. The platform operates across online, in-store, and cash-on-delivery channels. ISO 27001, PCI DSS, and ISO 9001 certified, Phi Commerce has processed billions of transactions and is now expanding into Southeast Asian markets.
Java, Spring Boot, Kafka, MySQL, React, and Angular form the core stack. Integration partners include Stripe, PayPal, Square, and Adyen. Payment messaging uses ISO 8583 and SWIFT protocols.
An RBI-licensed payment aggregator offering omnichannel transaction processing—online, in-store, and cash-on-delivery—supporting cards, UPI, net banking, wallets, and bank transfers for enterprises and government agencies.
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