How Payment Works
Understand the complete journey of a payment transaction through Unibeck's secure payment gateway. From merchant signup to customer delivery, we manage every step with precision and security.
1
Merchant Signup
Merchants register with Unibeck using their email ID and contact number. This is the first step to start accepting payments through our platform.
2
KYC & Bank Details
Merchant provides KYC documentation to validate authenticity and shares bank account details for receiving payouts. This ensures compliance and security.
3
Customer Payment Initiation
Customer accesses the payment gateway through a payment link or integrated payment page. They submit their card or bank details securely to complete the transaction.
4
Data Routing & Management
Unibeck manages complex transaction routing on behalf of merchants through our secure infrastructure and established relationships with financial networks.
5
Secure Processing
Transaction information is encrypted and transmitted via secure connection to the Acquiring Bank's Processor, then to credit card networks (Visa, MasterCard, etc.).
6
Bank Authorization
The issuing bank approves or declines the transaction based on customer's available funds. Results are relayed back through the credit card network and processor.
7
Transaction Confirmation
Unibeck stores transaction results and sends them to the website for both customer and merchant visibility. Confirmations are displayed in real-time.
8
Order Fulfillment
Upon successful payment confirmation, the merchant delivers goods or services to the customer. This is the actual fulfillment phase.
9
Settlement & Payout
The issuing bank sends transaction funds to the credit card network, which routes to the acquiring bank. Funds are deposited into merchant's account via Unibeck Nodal account.
đ° Settlement Timeline
Transaction funds are deposited into the merchant's primary bank account from the Unibeck Nodal account within:
T + 2 Working Days
or Maximum
T + 3 Working Days
Where "T" = Date of Transaction. This fast settlement ensures merchants have quick access to their funds.
Payment Flow Overview
đ Secure
End-to-end encryption with PCI-DSS compliance
⥠Fast
Real-time authorization and settlement
â Verified
Multi-layer authentication and validation
đŗ Multiple Payment Methods
Cards, UPI, Netbanking, IMPS, NEFT, RTGS
Key Features of Our Payment System
Enterprise-Grade Security
We implement SSL/TLS encryption,tokenization, and multi-factor authentication to protect every transaction.
Multiple Payment Modes
Accept payments via credit cards, debit cards, UPI, NetBanking, IMPS, NEFT, RTGS, and digital wallets in one unified platform.
Real-Time Analytics
Get detailed transaction reports, settlement tracking, reconciliation tools, and comprehensive business analytics dashboard.
Easy Integration
Simple API integration, pre-built plugins for popular platforms, comprehensive documentation, and developer support.
Fraud Prevention
Advanced fraud detection algorithms, 3D Secure verification, chargeback management, and risk scoring to protect your business.
Mobile Optimized
Fully responsive payment gateway, mobile app for merchants, and optimized checkout experience for higher conversion rates.