Solutions

Start with the institutional problem, not with a generic product bundle.

AURA uses the same maintained platform differently depending on the buyer, the payment environment and the merchant, customer or operating outcome that needs to be created.

Understand the platform Discuss a deployment

Solution principle

Start with the smallest solution that addresses a defined buyer problem.

The first deployment uses the relevant AURA capability already available, adds the institution or payment integration required for the selected journey, and keeps any broader expansion separate until there is a demonstrated need.

Defined problem

Begin with a merchant, customer or operating problem for which the buyer has clear ownership and measurable value.

Existing capability first

Use the relevant AURA Commerce foundation before introducing deployment-specific extension or new platform depth.

Bounded integration

Start with one payment or institution path that can be implemented, operated and evaluated clearly.

Durable value

Design for recurring platform, service or distribution value rather than creating unnecessary one-off software.

Enterprise solution paths

Different buyers. Different starting points. Same AURA platform.

Each solution path keeps payment and regulatory authority where it belongs while AURA adds the surrounding commerce, journey and operating capability.

Payment Aggregators & Acquirers

Move from payment acceptance into merchant commerce and VAS.

AURA can sit above the PA or acquirer payment stack to add merchant commerce, order context, assisted selling, operating workflows and partner-led distribution.

Institution retains

Payment gateway / acquiring stack
UPI and card rails
Payment authentication
Payment processing
Settlement operations
Regulated payment responsibilities

AURA adds

Storefront & catalogue
Order-linked checkout context
Assisted / POS selling
Customer & fulfilment context
Merchant operations & MIS
Partner-led distribution

Potential value

Recurring merchant VAS potential
Deeper merchant relationship
Differentiated acquiring proposition
Distribution through Partners and merchant networks

Typical deployment boundary

Typical deployment work can include merchant mapping, payment initiation, authoritative callbacks/webhooks, refund/status interfaces, branding and operational reporting.

Discovery question

Which merchant segment could create the strongest recurring value if commerce, orders and payment context were bundled with the payment relationship you already operate?

Banks

Add SME commerce enablement around the bank’s own payment rails.

AURA can give a bank a merchant-commerce and operating layer around its existing UPI, acquiring, gateway and account relationship.

Institution retains

Bank accounts
Merchant relationship / KYC
UPI / acquiring rails
Regulated authentication
Debit / credit posting
Settlement and financial authority

AURA adds

SME storefront & catalogue
Order and checkout context
Assisted / POS orders
Merchant operations
Customer records & MIS
Configurable bank-linked workflows

Potential value

Deeper SME relationship
Recurring platform value
Differentiated UPI / acquiring proposition
Distribution through branches, RMs or approved partners

Typical deployment boundary

Typical deployment work can include merchant/account mapping, bank UPI or gateway integration, status callbacks, refund/status interfaces, branding, support model and reporting.

Discovery question

Which SME segment would benefit most if commerce, orders and UPI payment context were attached to the bank relationship it already uses?

Merchant-Service Enterprises & Networks

Use AURA as a distributed merchant operating platform.

Enterprises, merchant networks and service providers can use AURA to give downstream merchants a structured commerce and operating capability without building separate merchant software from scratch.

Institution retains

Existing merchant relationship
Primary distribution channel
Commercial proposition
Relevant payment provider relationships
Sector-specific operating responsibilities
Customer-facing business ownership

AURA adds

Merchant onboarding
Commerce & ordering
Partner hierarchy
Platform billing
Operational visibility
Configurable branding and merchant workflows

Potential value

Stronger merchant retention
Additional recurring merchant-service revenue
Cross-sell / service expansion
Scalable Partner-led distribution

Typical deployment boundary

These deployments may require less regulated-core payment integration and can often begin with configuration, branding, commercial setup and the enterprise’s existing payment-provider path.

Discovery question

Where could a white-label or Partner-distributed commerce operating layer increase merchant retention, service value or network economics?

International Banks & FPS Participants

Build usable customer, merchant or agent capability around an existing A2A or instant-payment rail.

Where a national or institutional payment rail already exists, AURA can provide selected commerce, customer, merchant, agent and operating capabilities without replacing the rail.

Institution retains

Accounts or wallets
Customer authentication authority
Participant financial posting
Rail connectivity and finality
Clearing and settlement
Scheme / programme obligations

AURA adds

Merchant and customer journeys
Commerce context
QR / RTP journey support where governed
Participant operating workflows
Status and reconciliation support
Agent capability where the programme requires it

Potential value

Faster route from rail access to usable services
Reusable participant capability
Merchant / customer ecosystem enablement
Evidence-led expansion without rebuilding the rail

Typical deployment boundary

Deployment-specific work can include participant or rail adapters, customer/account mapping, QR or RTP integration, authoritative status evidence, reconciliation interfaces, branding and deployment topology.

Discovery question

Which real merchant, customer or agent journey would create the strongest measurable value around the payment infrastructure already available?

Capability status

Every solution is separated into what exists, what must be integrated and what remains platform direction.

That distinction prevents both overclaiming and unnecessary pre-build before a real customer selects the next material capability.

Available now

AURA Commerce foundation

Merchant onboarding, storefront/catalogue, checkout/orders, assisted/POS, current payment modes, merchant/Partner operations, agreements and billing.

Deployment-specific

Institution integration

Branding, mappings, payment or institution adapter, status evidence, enterprise deployment, reporting and support model required for the selected customer.

Platform direction

Broader ecosystem depth

Additional customer, agent, participant, rail, recurring-payment, reconciliation or case-management capability only where the market and programme justify it.

How a solution starts

Discovery first. One bounded path. Scale after evidence.

AURA should not begin with a country-wide or enterprise-wide transformation programme. The first step is a specific buyer problem, one integration path and measurable operating outcomes.

Discover

Merchant or customer problem, buyer, payment environment, authority and commercial objective.

Design

Define the existing AURA capability, configuration, integration and any genuine new-build need.

Pilot

Deploy a bounded merchant or journey cohort with explicit success measures.

Scale

Expand only when technical, operating and commercial evidence supports it.

Next step

Which institution, merchant segment or payment journey should AURA solve first?

Start with the buyer-owned problem. We can then identify which AURA capability already exists, what needs configuration, what requires integration and whether anything genuinely needs to be built.

Discuss an opportunity