Sell
Storefronts, catalogues, products and services.
Advanced Unified Real-Time Architecture
Turn existing payment infrastructure into usable commerce and operating capability.
AURA is commerce and payments technology for financial institutions, payment companies and merchant ecosystems. It starts from a working commerce foundation and integrates with the institution or rail that already owns financial authority.
AURA
One platform. Multiple deployment models.
Customers / Merchants / Agents
AURA commerce & operating layer
Bank / PA / Participant
Existing payment rail
Existing rails are retained. AURA adds configurable commerce, journey and operating capability around them.
The gap around the rail
Moving money is only one part of the merchant and customer experience.
Institutions may already have payment infrastructure while still needing the usable commerce, merchant and operating layer around it.
Transact
Orders, checkout and payment context.
Operate
Fulfilment, status, customers and analytics.
Distribute
Partner-led onboarding and support.
Implemented foundation
AURA Commerce exists today.
AURA starts from a working commerce operating platform rather than from a blank enterprise architecture.
Explore AURA Commerce ↗Merchant onboarding
Storefront & catalogue
Checkout & orders
Assisted / POS orders
Payment & fulfilment status
Customer records & MIS
Partner-led onboarding
Wallet billing & agreements
Available now
Commerce foundation
Existing AURA Commerce capability used and configured for the relevant deployment.
Deployment-specific
Institution integration
Adapters, mappings, branding and deployment work required for a real bank, PA or participant.
Platform direction
Broader participant capability
Additional customer, agent or participant depth only where demand, authority and economics justify it.
Authority boundary
Extend the ecosystem without replacing financial authority.
AURA manages the surrounding product and operating journey. Accounts, regulated authentication, financial posting and rail-level authority remain with the appropriate institution or scheme.
AURA
- Experience and workflow
- Commerce and order context
- Payment request context
- Authoritative-status consumption
- Operations and evidence
Institution / Participant
- Accounts or wallets
- Regulated authentication
- Payment approval
- Debit / credit posting
- Merchant / account authority
Rail / Scheme
- Switching and routing
- Clearing
- Settlement and finality
- Scheme rules
- Programme governance
Enterprise starting points
One product line, adapted to the institution and payment environment.
Deployment begins with the real institutional problem rather than with a pre-built country or customer fork.
Payment Aggregators & Acquirers
Extend payment acceptance into merchant commerce, operations and recurring value-added services.
Authority retained
The PA retains merchant accounts, gateway, payment processing, routing and settlement authority.
AURA adds
AURA adds commerce journeys, orders, merchant operating tools and configurable distribution capability.
Banks
Add SME commerce enablement around the bank’s own UPI, acquiring or gateway environment.
Authority retained
The bank retains accounts, regulated authentication, payment approval, debit / credit posting and settlement.
AURA adds
AURA adds merchant commerce, order context, operating workflows and configurable enterprise integration.
International Banks & FPS Participants
Turn existing A2A or instant-payment access into usable customer, merchant, agent and operating capability.
Authority retained
The participant and rail retain account, authentication, switching, clearing, settlement and finality authority.
AURA adds
AURA can add governed journeys, QR / RTP context, merchant or agent capability and participant operating support.
Founder-led expertise
Payments technology and product depth behind the platform.
AURA is founded and led by Dheeraj Bhardwaj. His experience spans more than two decades from early mobile commerce and merchant payments through national and real-time payment systems, bank implementation, payment-product architecture and international payment-system programmes.
About AURA and the founderEarly mobile commerce, IMPS, *99# / USSD & UPI / BHIM
Bank payment-system implementation
Payment architecture & specifications
QR, A2A / FPS and interoperability
Testing, certification & implementation assurance
Settlement, reconciliation & operating models
Evidence-led deployment
Start narrow. Prove one valuable path. Expand from evidence.
AURA does not require an institution to commit to an abstract full-platform transformation before value is demonstrated.
- 01
Discover
Map the institution, payment environment, target user journey, authority model and commercial objective.
- 02
Configure
Use the smallest relevant slice of existing AURA capability, branding, policies and operating rules.
- 03
Integrate
Connect one payment or institution path with authoritative status evidence and clear ownership.
- 04
Pilot
Run a bounded cohort with agreed business, product, payment, operational and assurance measures.
- 05
Scale
Expand only after technical, operating and commercial evidence supports the next step.
Next step
What merchant, customer or operating capability are you trying to build around your existing payment infrastructure?
Start with one priority journey and one integration path. AURA can then separate what already exists, what is configuration, what requires integration and what genuinely requires new product work.