Empowering Banks with Merchant Lifecycle Management
Complete UPI acquiring solution for banks:
Onboarding | Risk & Transaction Monitoring | Dispute Resolution | UPI Acquiring
The UPI Opportunity
Banks face a critical challenge: Limited direct UPI acquiring presence and dependency on third parties is costing them revenue and customer relationships.
The Bank's Challenge
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Service Name
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Service Name
This is the space to introduce the Services section. Briefly describe the types of services offered and highlight any special benefits or features.
Service Name
This is the space to introduce the Services section. Briefly describe the types of services offered and highlight any special benefits or features.
Service Name
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Dependency on third-party aggregators for UPI Acquiring
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Missing Direct Relationships with merchants
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Loss revenue opportunities from transaction fees
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Inability to leverage government incentives
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No ownership of valuable merchant data
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Limited digital reputation in the banking ecosystem
Banks face a critical challenge: Limited direct UPI acquiring presence and dependency on third parties is costing them revenue and customer relationships.
GenCash Solution
An end-to-end acquiring platform enabling banks to launch UPI acquiring instantly
Why It Matters for Banks
New Revenue Streams
Start earning from UPI acquiring Immediately
Own UPI Handle
Launch your branded handle (@your bank)
Government Incentives
Eligible for MeitY Incentives on Merchant Acquisition
Zero Upfront Investment
Fully managed by GenCash
Direct NPCI Connection
No dependency on aggregators
Revenue Sharing Model
Bank earns for every transaction
Banks face a critical challenge: Limited direct UPI acquiring presence and dependency on third parties is costing them revenue and customer relationships.
Key Differentiators
Complete Ownership
No Third-Party dependence → Bank retains customer + merchant relationships
Merchant Migration
Existing Merchants can be shifted to bank's own UPI handle
Merchant Expansion
Ability to add new merchants (e-commerce, supply chain, digital services, utilities, etc.)
Seamless Integration
Technology + Compliance handle by GenCash
Impact for Banks
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Service Name
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Service Name
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Service Name
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Revenue Boost
Share of MDR/incentives from every transaction
CASA Growth
Merchant accounts → daily inflows → low-cost deposits
Merchant Stickiness
Bundled Services (loans, cards, payroll, POS, Payouts)
Digital Reputation
Bank seen as progressive, tech-driven
Market Potential
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Service Name
This is the space to introduce the Services section. Briefly describe the types of services offered and highlight any special benefits or features.
Service Name
This is the space to introduce the Services section. Briefly describe the types of services offered and highlight any special benefits or features.
Service Name
This is the space to introduce the Services section. Briefly describe the types of services offered and highlight any special benefits or features.
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Direct access to 40M+ merchants across india
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Local relationships and trust already established
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Ability to rapidly deploy digital solutions to underserved markets
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Strong push for digital onboarding with financial incentives
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Regulatory framework favoring bank-led acquiring models
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10% +CASA growth possible via strategic merchant acquisition
Revenue Model: Zero Capex for Banks
Banks can launch complete UPI acquiring business with no upfront investment while maintaining full control of the merchant relationship.
Case Study Projection
Market Potential
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Service Name
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Service Name
This is the space to introduce the Services section. Briefly describe the types of services offered and highlight any special benefits or features.
Service Name
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Existing merchants migrated to bank handle → immediate revenue.
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Online merchants onboarded (e-commerce, app based) → incremental volumes
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5000 merchants → ₹500 Cr and increasing annual UPI volume
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Net bank revenue share: ₹2-5 Cr + annually (Conservative) + CASA inflow
Case Study Projection
Why Partner with GenCash
Banks can launch complete UPI acquiring business with no upfront investment while maintaining full control of the merchant relationship.
Merchant Lifecycle Management
Onboarding
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Digital KYC/KYB Verification
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Instant Account Creation
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Automated Approvals
Monitoring
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Risk Assessment
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Fraud Prevention
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Compliance Check
Resolution
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Dispute Management
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Faster Settlements
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Regulatory Reporting
Implementation Journey
Banks can launch complete UPI acquiring business with no upfront investment while maintaining full control of the merchant relationship.
