API IntegrationIntegration Types Acquirer Host Integration
Integration guide for merchant acquiring — MMS platform, QR codes, and settlement.
| Aspect | Detail |
|---|
| Partner Type | Payment aggregator or merchant platform |
| Integration Mode | MMS REST APIs |
| M2P Role | MMS platform + UPI Switch (Acquirer mode) |
| Partner Role | Merchant management, settlement operations |
| Module | Features |
|---|
| Merchant Onboarding | Digital KYC, document collection, maker-checker approval |
| QR Engine | Static QR, Dynamic QR, Bharat QR, bulk generation |
| Sub-Merchant Management | PA → merchant → sub-merchant hierarchy |
| Fee & MDR | Per-merchant, per-MCC, custom overrides |
| Settlement Engine | T+1, T+2 settlement cycles, reconciliation |
| FSE Mobile App | Field agent onboarding, QR deployment tracking |
| Merchant Dashboard | Transaction monitoring, settlement status, analytics |
| Dispute & Chargeback | Merchant-side dispute, evidence submission, UDIR |
| QR Type | Use Case | Features |
|---|
| Static QR | Kirana shops, restaurants | Fixed QR, customer enters amount, reusable |
| Dynamic QR | E-commerce, invoicing | Pre-filled amount, order ID, one-time use, expiry |
| Bharat QR (BQR) | Interoperable merchant QR | NPCI standard, works across all UPI apps |
