FinTech Solutions
Enterprise FinTech engineering — AEPS, DMT, BBPS, payment gateway and banking integrations, multi-API architecture, and transaction infrastructure.
Akashiya Tech is a software engineering company, not a bank, financial institution, or licensed payment provider. We build and integrate FinTech platforms; the regulated banking and payment providers you connect to remain the licensed, regulated entities.
What we engineer.
Multi-provider architecture
Integrate multiple banking and payment providers behind one consistent platform interface.
Failover readiness
Route around a failed provider instead of failing the transaction.
Transaction integrity
Idempotent, auditable transaction handling designed to avoid double-processing.
Ledger accuracy
Every transaction reflected precisely in a structured, queryable ledger.
Reconciliation
Automated matching between your ledger and provider settlement reports.
Role hierarchy
Distributor, retailer, and operator roles with the right access at each level.
Commission engines
Configurable commission and margin rules across your distribution network.
API abstraction
One internal API contract regardless of which provider is behind it.
Auditability
A traceable record of every transaction and administrative action.
The business workflow.
- User / Retailer
- Platform
- Transaction Engine
- Provider / Banking APIs
- Ledger
- Reconciliation
A representative workflow — the exact steps are configured to your business.
Built as one connected system.
Every layer engineered together — not a screen bolted onto someone else’s backend.
What this covers.
- AEPS
- Aadhaar Pay
- DMT
- BBPS
- mATM
- CMS
- Recharge
- Payout
- Payment Gateway
- Loan & Lending Systems
- API Integrations
- Multi-API Routing
- Commission Engine
- Ledger & Reconciliation
- Travel APIs
Built for businesses like yours.
FinTech companies
Building or scaling a transaction platform of their own.
Distributors
Running a distributor-retailer network on assisted-service rails.
Assisted-service networks
Operating retail counters offering banking and payment services.
Platform operators
Running multi-tenant financial software for others to use.
How we engineer it.
Architecture first
The system is designed before a single screen is built.
Modular platform
Built in components that can evolve independently.
API-first integration
Every capability exposed through a clear, typed contract.
Security by design
Access control and data protection built in, not bolted on.
Scalable infrastructure
Engineered to hold up as usage and complexity grow.
Testing & validation
Verified against real conditions before it ships.