Simplify Banking, Reconciliation & Cash Management
Manage inbound payments, automate reconciliation, and streamline cash operations with powerful, enterprise-grade banking infrastructure.
Total Inflow (24h)
₹1.84 Cr
Virtual Accounts
12,450
VA_IND_8821 (Customer A)
RECON_OK
₹45,000
AUTO-MATCHEDCash Collection - Hub X
TRUCK_882
₹8,20,000
IN TRANSITVA_CORP_112 (Vendor B)
RECON_OK
₹12,40,000
SETTLEDHub Reconciliation
TRUCK_881
₹5,00,000
DEPOSITEDFull Control Over Your Money Flow
Scalable systems designed to provide absolute visibility and control over your financial ecosystem.
Real-Time Visibility
Track every incoming payment instantly with detailed metadata and sender info.
Faster Reconciliation
Reduce manual effort with AI-powered matching that reconciles in sub-seconds.
Banking Simplified
Digital-first infrastructure that eliminates the complexity of traditional banking.
Offline to Online Sync
Manage physical cash collections and digital payments in a unified ledger.
How It Works
Generate Virtual Accounts
Create unique identifiers for every customer or transaction via API.
Collect Payments
Receive digital transfers or scheduled physical cash collections.
Auto-Reconciliation
Transactions are instantly mapped and updated in your ledger.
Built for High-Volume Financial Operations
Deeply integrated banking modules for the most complex business requirements.
Advanced Virtual Accounts (VAN)
Assign unique bank accounts to your customers for precise, automated payment identification and reconciliation.
Smart Reconciliation Engine
Our proprietary engine uses advanced matching algorithms to reconcile transactions with 100% precision.
- Auto-match payments to orders or customer IDs
- Real-time transaction mapping for instant settlement
- Detailed audit trails and financial visibility
Cash Logistics Infrastructure
Bridge the gap between physical and digital. Manage bulk cash collections with bank-grade logistics.
Managed Pickups
Scheduled cash collections from multiple hubs.
Real-time Sync
Logistics status synced with your digital ledger.
Banking APIs
Built for Scale.
REST API & Real-time Webhooks
Get notified the moment a payment hits your virtual account.
Secure Endpoints
TLS 1.3 encryption and IP whitelisting for all banking-related requests.
// Example: Create a Unique Virtual Account (VAN)
const virtualAccount = await merchant247.banking.createAccount({
customer_name: "Acme Corp",
customer_reference: "CUST_9912",
remittance_modes: ["NEFT", "RTGS", "IMPS"],
callback_url: "https://yourdomain.com/webhooks/reconciliation"
});
console.log("Account Number:", virtualAccount.account_number);
console.log("IFSC:", virtualAccount.ifsc);Designed for Complex Business Models
Merchant247 Banking adaptively handles the most demanding financial workflows.
NBFCs & Lending
Track repayments efficiently with unique virtual accounts for every borrower.
Marketplaces
Automate seller settlements and reconcile commissions with zero manual effort.
Enterprises
Manage large-scale B2B collections and automated treasury operations.
Offline Businesses
Digitize and track cash collections across thousands of physical hubs.
Why Finance Teams Choose Merchant247
Real-time Reconciliation
No more T+1 waiting. Payments are matched as they arrive.
Reliable Banking Partners
Direct APIs with top-tier Indian banks for maximum stability.
Scalable Infrastructure
Built to handle millions of transactions without performance loss.
Reduced Manual Effort
Automate up to 95% of your reconciliation and treasury tasks.
Bank-Level Security & Compliance
We maintain the highest standards of security. Merchant247 is built to handle financial data with military-grade encryption and strictly adheres to global banking norms.