Risk level: Low risk

Payment orchestration for delivery and on-demand services

An on-demand order is paid in the seconds between tapping the button and the courier leaving, so the method must be the one already on the phone. Orchestration gives the platform's PSP Apple Pay and Google Pay, UPI in India, QRIS in Indonesia, MoMo in Vietnam, Kaspi Pay in Kazakhstan, routes each payment to the provider that confirms it fastest, routes courier payouts over instant rails and journals every order.

What goes wrong without orchestration

The app shows a card form in markets where people pay with UPI, QRIS, MoMo or Kaspi Pay, and the order is abandoned on the last screen.
A wallet provider has an outage during the evening peak, and nothing switches the traffic to another provider.
Courier payouts are a weekly file, and a courier whose payout failed finds out on Friday.

What orchestration changes

Apple Pay and Google Pay for one-tap payment; routing of each payment to the provider with the fastest confirmation and cascading to another provider or method when one is down; local methods per market; payouts to couriers and partners over instant rails with a status per payout; limits per terminal; every order’s payment, refund and payout journaled for five years with a trace. The platform’s PSP enables the methods from the catalogue; the licensed provider settles the funds.

Payouts to couriers

India: UPI to the courier’s UPI ID, instant.
Kazakhstan: Kaspi Pay, the wallet most couriers already have, on request.
Indonesia and Vietnam: QRIS and MoMo collect orders; they have no payout flow. The platform runs under the licensed client’s registration; the licensed local provider performs the intermediation.

Typical methods

AP Apple Pay Wallets · 24 countries Available GO Google Pay Wallets · 25 countries Available UP UPI Bank transfers & instant payments · 1 countries Available QR QRIS QR payments · 1 countries Available MO MoMo (Vietnam) Wallets · 1 countries Available KA Kaspi Pay Wallets · 1 countries On request

Frequently asked questions

Which methods pay couriers and partners?+

UPI and Kaspi Pay carry payouts as well as payments; QRIS, MoMo, Apple Pay and Google Pay collect only.

Who holds the licence?+

The platform’s PSP or acquirer, Tranzify’s client. Tranzify supplies the software; it does not onboard merchants or couriers, hold funds or perform KYC.

See the platform on your own flows

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✓ Money never passes through us
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