Platform

One maintained platform. Existing payment rails retained.

AURA is a unified commerce-and-payments enablement platform whose implemented foundation is AURA Commerce. The platform can deepen into institution and participant enablement when a real customer, rail and operating need justify the additional capability.

Explore AURA Commerce ↗Explore deployment patterns

Platform principle

Deeper capability follows real deployment requirements.

The working commerce platform remains the core. Enterprise, participant and payment-system capabilities are added where a real institution, integration or operating requirement calls for them.

AAvailable now

Commerce foundation

The implemented AURA Commerce operating layer for merchant, customer, Partner and Admin journeys.

Experience

Merchant onboarding
Storefront & catalogue
Checkout & orders
Assisted / POS
Customer & merchant operations
Partner / Admin surfaces

Payments

Razorpay
Direct UPI
Offline / pay-later modes
Payment status context

Operations

Orders & fulfilment
Customers & MIS
Platform billing
Partner network operations

Deployment

Shared cloud today

Authority

AURA platform authority plus authoritative payment-provider evidence.

BDeployment-specific

Merchant + payments enablement

Enterprise integration around a real institution, acquiring environment or payment rail.

Experience

Enterprise branding
Merchant / operations integration
Institution-specific configuration
Enterprise support workflows

Payments

Provider-neutral payment seam
First institution / payment adapter
Status callbacks / evidence
Refund / status interfaces

Operations

Institution mapping
Enterprise observability
Assurance evidence
Operational reporting

Deployment

Shared or isolated enterprise environment; private or hybrid connector where justified

Authority

The institution remains the regulated account and payment authority.

CPlatform direction

Broader participant enablement

Additional customer, agent, participant and operating depth where the market and programme require it.

Experience

Customer overlay where governed
Agent / field channels
Participant operations
Market-specific journeys

Payments

Multiple participant / rail adapters
QR / RTP integration
Issuer-authorised recurring flows
Optional participant gateway depth

Operations

Formal reconciliation support
Cases / disputes
Participant reporting
Programme operations

Deployment

Institution-private, regional or hybrid deployment where justified by the opportunity

Authority

Participant, scheme and rail authority remain explicit; AURA does not assume central settlement authority.

Current foundation

AURA Commerce is already a substantial operating platform.

The enterprise proposition begins from implemented merchant, customer, Partner, billing, payment and operating capability, rather than from a future-state diagram alone.

Future customer, agent, participant and rail depth is kept distinct from the current implementation until an actual deployment requires it.

Merchant onboarding

Storefront & catalogue

Products, services & variants

Checkout & orders

Razorpay / Direct UPI / offline payment modes

Assisted / POS ordering

Payment & fulfilment status

Customer records & MIS

Partner-led onboarding

Commercial agreements

Merchant billing wallet

Partner earnings & settlement

Secure Sign-In and Team Access

Admin and audit controls

Authority model

AURA coordinates the journey. Financial truth remains with the appropriate authority.

A payment outcome is not inferred from a screen, HTTP response, timeout or missing callback. AURA consumes authoritative evidence from the relevant provider, institution, participant or rail and manages the surrounding commerce and operating state.

AURA may manage

Customer, merchant and agent experience
Commerce and order context
Payment request context
Status consumption and workflow
Operational evidence and reporting
Configured integration and support journeys

Institution / participant owns

Accounts or wallets
Regulated authentication
Payment approval
Debit / credit posting
Merchant or account authority
Institutional risk and financial controls

Rail / scheme owns

Switching and routing
Clearing
Settlement
Finality rules
Scheme rules
Programme governance

Deployment model

Deployment can vary without creating a different product for every customer or country.

AURA preserves common product semantics while allowing variation in configuration, policy, branding, adapters and physical deployment topology.

Managed / shared

Use the existing AURA platform model where shared operation satisfies the opportunity.

Isolated enterprise

Separate environment and stronger enterprise controls where a customer or risk model requires them.

Private / customer-controlled

Use institution-private infrastructure when contractual, residency, security or operating requirements justify it.

Hybrid / participant-local

Keep selected integration or connectivity components closer to the institution while retaining common AURA product semantics.

Design principles

Built to extend existing payment environments, not replace them.

Existing rails retained

AURA works with the institution or rail that already owns payment authority.

Configurable and modular

Deploy only the capability relevant to the actual opportunity.

One maintained product line

Differences stay in configuration, policy, adapters, branding and topology.

Authority remains explicit

Accounts, regulated authentication and financial posting stay with the appropriate institution.

Evidence-led expansion

Build deeper capability only when customer and operating evidence justify it.

Partner-friendly

Support direct, Partner-led and enterprise distribution without surrendering product authority.

From platform to deployment

Start with the institution, rail and one valuable journey.

The relevant AURA scope can then be separated into capability that already exists, configuration, required institution integration and genuinely new product work.

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