Frequently asked questions.
Straight answers about integrations, onboarding, access and settlements.
Answers that bring clarity.
Can I use multiple payment gateways simultaneously?
Yes. FinTechOS connects multiple approved providers (Razorpay, Paytm, PhonePe, AirPay, etc.) under unified credentials, smart routing and consolidated reconciliation.
Can a franchise or branch add their own gateway accounts?
No. Under the platform security model, only central Platform Owners / Super Admins can configure gateway credentials and routing rules. Franchises operate strictly within assigned merchant territories.
How does the smart routing engine evaluate providers?
Routing is evaluated based on contractually effective MDR rates, GST, observed approval success rates, API latency, and provider settlement SLAs, ensuring transactions never fail needlessly.
Are sensitive provider secrets exposed in the frontend?
Never. Credentials are encrypted at rest with AES-256 via Laravel framework encryption, masked on presentation, and never emitted in client-side JSON or export feeds.
How does smart failover work?
Is the ledger truly double-entry compliant?
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