Payment SystemPA-DSS Certified • PCI-SSF Compliant

Merchant Acquiring Reconciliation System

Comprehensive merchant management, clearing, settlement, and reconciliation system that automates your entire payment processing workflow with enterprise-grade security.

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  • Complete Payment Processing Automation
  • Enterprise-Grade Security
  • Multi-Network Support

Complete Payment Processing Automation

MARS streamlines your entire merchant acquiring operations with end-to-end automation from onboarding to settlement, backed by industry-leading security certifications.

  • Automated merchant onboarding and management
  • Real-time transaction processing and settlement
  • Advanced reconciliation and dispute management
  • Multi-network support (Visa, Mastercard, Amex, RuPay, UPI)

MARS Core Modules

Six comprehensive modules that work together to provide complete payment processing automation.

  • Merchant Management

    Complete merchant lifecycle management with onboarding, fraud detection, and fee management.

    • UI/API Onboarding
    • Fraud & PG Integration
    • Fee & Commission Setup
    • Merchant Grouping

  • Transaction Processing

    Advanced acquiring processing with surcharge calculation and multi-cutoff support.

    • Surcharge & Fees
    • Cancellations & Refunds
    • Interchange Validation
    • Multi-cutoff Processing

  • Clearing & Settlement

    Automated interchange processing for all major payment networks.

    • Visa/Mastercard Files
    • Amex Processing
    • UPI Integration
    • BIN Management

  • Billing & Settlement

    Comprehensive accounting and liquidation with multiple settlement cycles.

    • Commission Processing
    • Payment Hold/Overdraft
    • Credit/Debit Adjustments
    • Multiple Cycles

  • Reconciliation

    Advanced transaction matching and reconciliation with historical repository.

    • Transaction Matching
    • Settlement Reconciliation
    • GL Entries
    • Historical Repository

  • Chargeback & Dispute Management

    Complete dispute lifecycle management with document handling and fee processing.

    • Chargebacks
    • Retrieval Requests
    • Representments
    • Document Management

Supported Payment Networks

MARS supports all major payment networks and local payment systems worldwide.

  • VisaVisa
  • MastercardMastercard
  • American ExpressAmerican Express
  • RuPayRuPay
  • UPIUPI
  • UnionPayUnionPay
  • NFSNFS
  • Other Local Networks

Trusted by Industry Leaders

MARS has been successfully deployed with leading financial institutions and payment processors.

  • AGS Transact TechnologiesAGS Transact Technologies
  • BijlipayBijlipay
  • CalBankCalBank
  • HitachiHitachi
  • Lyra NetworkLyra Network
  • MswipeMswipe
  • Novus TechnologiesNovus Technologies
  • NRT TechnologyNRT Technology
  • TranstracTranstrac
  • TranredTranred

Enterprise-Grade Security

MARS meets the highest security standards in the payment industry with comprehensive certifications and compliance frameworks.

  • PA-DSS Certified

    Payment Application Data Security Standard compliance for secure payment processing.

  • PCI-SSF Compliant

    PCI Software Security Framework compliance (in process) for enhanced security.