GoaPay Payment Gateway & Liquidity Clearing Network
Next-generation UPI routing connecting Merchants, QR Providers, Sub-Operators, and Brokers/Agents with strict Dual-UTR reconciliation and atomic wallet exposure reservation.
How GoaPay Reconciles & Settles Payments
End-to-end atomic workflow ensuring zero exposure leaks and instant dual-key verification
Atomic Exposure Reservation
When a merchant initiates an order, the system assigns an eligible QR Provider where order_amount ≤ available_balance, instantly locking exposure atomically in SQLite ledger.
5-Minute TTL Dynamic Checkout
Customers pay via dynamically assigned UPI QR. If unpaid within 5 minutes, the session auto-expires and locked exposure safely returns to the provider with zero manual intervention.
Dual-UTR Atomic Settlement
Dual verification: UTR is matched against QR Provider / Admin verification. On match, multi-party wallets (Merchant, Provider, Broker, Agent) credit & debit instantly.
Dedicated Role Portals
Isolated, permissioned workspaces tailored for each stakeholder
Merchant Portal
Deposit checkouts, withdrawal requests, chronological passbook ledger, and REST API credentials with signed HMAC-SHA256 webhooks.
QR Provider Portal
Liquidity dashboard, holding balance & active exposure, assigned orders UTR verification, withdrawal pool claims, and sub-operator management.
Admin Control Center
Global governance: provision merchants, brokers, agents, and providers. Override dual UTRs, execute Hawala settlements, and audit multi-party ledgers.