India s fintech ecosystem is scaling at record speed, but fraud is scaling faster. This report explores how AI is reshaping financial crime, from deepfake identities and bot-led attacks to silent losses hiding inside chargebacks and onboarding flows. Backed by RBI data and global research, it reveals why fraud today looks like a real user, learns like a product, and costs far more than what appears on balance sheets. It also breaks down the top AI-powered fraud threats for 2026 and what a modern, AI-ready defence stack must include to stay ahead of them.

H1 Payment Pulse
Report 2025

Timing and Instrument Trends

Powering Digital Payments Worldwide

Cards enabled for online transactions

0 Mn+

Payments powered
annually

0 Bn+

Banks & payment
networks supported

0 +

Reduction in back-office
efforts

0 %+

Join these Companies that Count on Our Expertise

Empowering Customer Engagement with Efficient Payment Solutions for Merchants, Acquirers, Networks and Issuers

Payment Gateway

Accept payments seamlessly with advanced security, lightning-fast processing, and enterprise-grade reliability. Built for businesses that scale.

Omnichannel Payment Hub

An all-in-one omnichannel payments hub connecting businesses to infinite payment methods with seamless integration, scalability and unmatched security

Smart Transaction Router

Intelligently route and optimize payments across channels, aggregators and gateways for maximum success and efficiency

Dual Factor Authenticator

Enhance payment security with an additional layer of protection, ensuring safe and reliable transactions for your customers

Acquiring Switch

A scalable solution that connects merchants to acquirers, networks, and card payment systems, enabling secure and efficient payment processing across channels

Omnichannel Payment Processor

A unified platform that integrates payments across online, in-store and mobile channels, ensuring secure, seamless transactions and enhanced customer experiences

Campaign Management





A versatile solution enabling businesses to design, deploy and track payment-linked campaigns across channels, driving customer engagement and transaction growth

UPI Acquiring Switch

A next-gen platform with direct NPCI integration, built to scale with growing UPI volumes while ensuring reliability, efficiency and reduced costs for long-term success

Tokenization Suite

A versatile solution enabling businesses to design, deploy and track payment-linked campaigns across channels, driving customer engagement and transaction growth

Highly Customizable Payment Stack That Caters To Your Distinct Needs

What Sets Our Omnichannel Payment Solutions Apart

Unified

Seamlessly integrate your infrastructure with our APIs and automated back-office solutions

Stable

Deliver a consistent payment experience across online, in-store and doorstep channels

Scalable

Effortlessly scale your business volume without compromising customer experience

Secure

Ensure ultimate transaction security guaranteed by our best-in-class financial technology

Hear from our Clients

Our partnership with Phi Commerce has been instrumental in achieving near 100% adoption of digital payments for B2B transactions within CEATs vast distributor network. The seamless ERP integration has markedly improved our transaction efficiency, making accounting and auditing processes more manageable and compliant. Phi Commerces single platform for payment collections and API-based reconciliation has simplified our transactions, leading to more efficient operations and improved financial reconciliation.



We recommend Phi Commerce for their exceptional service in streamlining payment solutions and contributing to our digital growth.

We are pleased to be the partner-of-choice for PhiCommerce s maiden launch of Camphire. We implemented Camphire to successfully run airport-wide, omnichannel promotions with a single-use platform that helped increase adoption and promoted customer loyalty.

"Phi Commerce has been playing a significant role in our fees management system, giving parents the flexibility of omnichannel payments and simplifying our financial operations through innovative features. Your virtual account solution, with dedicated accounts for each student, has made reconciliations effortless, reducing our reconciliation time significantly. We highly appreciate the services with the efficiency gains and the enhanced parent experience.

We are excited about the journey of the future of payments in India and about our payments roadmap. At Aditya Birla Capital, we are focused on creating a great experience for our customers and merchants alike. With our strong focus on driving digitalization and innovation in product offerings, we have launched Payment Lounge to help merchants streamline their payment processes, deliver enhanced convenience to their customers, and maximize collection efficiency of their businesses.

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Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Omnichannel Payment Processor Professional (New Delhi)
🏢 Phi Commerce
📍 New Delhi