Phi Commerce

Phi Commerce is a homegrown fintech company that’s steadily carving its niche in India’s massive digital payments landscape an industry that’s expected to cross $300 billion in size. Operating at the intersection of technology and finance, the company builds infrastructure that allows money to move seamlessly, even in places where digital adoption is still catching up. The company’s services are designed for banks, large logistics firms, small businesses, educational institutions, and even public sector organisations anyone that needs to make or receive payments at scale.

Core Products and Services

• PayPhi Digital Collect: Helps businesses collect payments easily, whether through UPI, debit/credit cards, mobile wallets, or net banking. It’s fast, secure, and ideal for high-volume collections across India.

• PayPhi Digital Disburse: Enables instant, traceable payouts—from wages and refunds to insurance settlements and government subsidies—straight into user accounts.

• PayPhi Neo-Transaction Processing Platform: This is where the back-end magic happens. It handles transaction flow, ensures compliance, and gives businesses the tools to monitor and reconcile large-scale payments smoothly.

• PayPhi ODeX (Offline Digital Experience): Perhaps its most unique offering, ODeX allows users to complete digital payments even without an internet connection—unlocking digital finance for India’s most remote locations.

Business Model & Revenue Streams

• Platform Licensing & Service Fees: Clients pay for access to different PayPhi modules depending on their transaction needs and business size.

• Transaction-Based Earnings: The company receives a fee for each payment processed through its system, creating a consistent and scalable revenue stream.

• Custom Integrations & Consulting: Tailored solutions, especially for complex workflows in logistics or education, bring in additional revenue.