QuantumOS X3

A

Payments

Payment gateway, settlements, UPI and reconciliation

Settled (Apr)

โ‚น38,40,000

+16%

Success Rate

97.8%

+0.4pp

Avg Settlement

T+1

โ€”

Refunds (7d)

โ‚น48,200

-12%

Multi-gateway routing

Primary: Razorpay. Fallback: PhonePe. Routing by payment method and success rate.

UPI dominance

UPI accounts for 62% of transactions. PhonePe 38%, GPay 32%, Paytm 18%.

Reconciliation engine

Daily auto-reconcile against bank statements. Dispute management built-in.

GST invoicing

Auto GST invoice on payment. B2B GSTIN support. TDS deduction tracking.