PA-DSS Certified • PCI-SSF Compliant

MARSMerchant Acquiring Reconciliation System

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

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 System Architecture

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

Visa logo

Visa

Mastercard logo

Mastercard

American Express logo

American Express

RuPay logo

RuPay

UPI logo

UPI

UnionPay logo

UnionPay

NFS logo

NFS

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Other Local Networks

Trusted by Industry Leaders

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

AGS Transact Technologies logo

AGS Transact Technologies

Bijlipay logo

Bijlipay

CalBank logo

CalBank

Hitachi logo

Hitachi

Lyra Network logo

Lyra Network

Mswipe logo

Mswipe

Novus Technologies logo

Novus Technologies

NRT Technology logo

NRT Technology

Transtrac logo

Transtrac

Tranred logo

Tranred

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

Security Certifications

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