GeekyAnts
Fintech
Customer Experience and OnboardingCore Banking ModernizationRetail Banking ServicesLoan Service and Credit TransformationMoney Transfers and PaymentsCredit Card Management

Money Transfers & Payments

We build reliable payment systems that handle every major transfer type — from instant small payments to large bulk transfers. Our tech processes hundreds of crores in transactions every day with a 99%+ success rate, providing real-time tracking for every rupee and a secure way to manage paused or on-hold transactions.

Clutch 4.9 rating with 5 stars
100+Reviews
1000+Projects Delivered

Cut credit processing from days to minutes.

550+ Engagements Since 2006 — Trusted By

Khata Book
Bambu
Jupiter.Money
goosehead insurance
coinup
PayPenny
ICICI
Sprive
PayPoint
Elever
Elinvar
Bajaj
LAZYPAY
RazorPay
kane
kingsley Gate
Khata Book
Bambu
Jupiter.Money
goosehead insurance
coinup
PayPenny
ICICI
Sprive
PayPoint
Elever
Elinvar
Bajaj
LAZYPAY
RazorPay
kane
kingsley Gate
Khata Book
Bambu
Jupiter.Money
goosehead insurance
coinup
PayPenny
ICICI
Sprive
PayPoint
Elever
Elinvar
Bajaj
LAZYPAY
RazorPay
kane
kingsley Gate

Banks bleed customer trust every time a transfer disappears into ambiguity. Users initiate a payment, receive no meaningful status update, and call support. When transactions go on hold — due to compliance flags, settlement windows, or beneficiary validation — users have no visibility into why or for how long. The result is high support volume, low confidence in the platform, and avoidable churn.


We build around these failure points. NEFT, RTGS, and IMPS are unified under a single transfer interface with mode-appropriate routing handled automatically. On-hold transactions surface with a clear reason, the entity responsible, and a timeline of up to 45 days — eliminating the most common driver of payment-related support calls. Scheduled and bulk transfers give users control over high-frequency and high-value payment needs without requiring branch assistance.

CUSTOMER STORIES

Client Results and Success

Multi-Country Payments App

Scalable global payments infrastructure

We built a robust multi-country payments application that enables secure transfers, cross-border payments, and real-time transaction flows across regions with an intuitive UX for customers and admins.

350,000+

downloads

4,000+

increase in transactions

Banking App for Finance Giant

Mobile-first personal finance tooling

We developed a modern banking app aimed at helping retail customers manage money, savings, and transaction workflows with an intuitive interface and seamless cross-platform performance.

60%

reduction in cloud costs

$57,000+

annual savings

AI-Powered Mobile Banking App Modernization

Real-time banking with 0 downtime deployments

We upgraded a public sector bank’s mobile app to improve performance, security, and customer experience using event-driven architecture and real-time processing.

0

downtime updates

100%

real-time processing

AI-Driven Onboarding Accelerator

40% faster onboarding

We deployed AI transcription and RAG-powered workflows to enhance onboarding experiences in the healthcare domain, which overlaps with regulated, identity-intensive journeys similar to fintech.

40%

faster onboarding

RESULTS DELIVERED

Business Impacts We Have Made

56%
Active Users Monthly active users
+50% 
Self-Service Rate Reduced branch visits
+55%
User Engagement Increased app usage
Digital
PPF Opening: Fully digital process

WHAT WE DO

Our Loan Service and Credit Transformation Services

NEFT, RTGS, and IMPS Transfer Support

We implement all three RBI-regulated transfer modes within a single unified flow, with automatic routing to the appropriate payment rail based on transfer value, timing, and user preference.

Beneficiary Management with Quick Add

Users can add, verify, and manage beneficiaries in-line — without leaving the transfer flow. Quick-add functionality reduces the steps between intent and completed transfer for first-time payees.

Real-Time Transaction Status Tracking 

Every transfer surfaces a live status from initiation through settlement. Users see exactly where their payment stands at any point, removing the uncertainty that drives unnecessary support contact.

On-Hold Transaction Visibility

Paused or flagged transactions are displayed with a clear reason, the entity responsible for the hold, and a resolution timeline of up to 45 days — giving users the context they need without calling support.

Scheduled and Recurrig Transfers 

Users can set up future-dated and recurring payments directly from the transfer interface, supporting regular obligations like rent, vendor payments, and loan EMIs without manual intervention.

Bulk Transfer Capability

We support high-volume batch payment initiation for business users, with status tracking at the individual transaction level within the bulk job — essential for payroll, supplier disbursements, and collections.

OUR OFFERINGS

Complete Digital Transformation Services for Enterprises and Startups alike

Customer Experience and Onboarding

We help enterprises acquire customers faster without compromising compliance or security.

Core Banking Modernization

By re-architecting infrastructure and optimizing data pipelines, we enable faster customer interactions and real-time processing. 

Retail Banking Services

Our solutions focus on intuitive UX, secure authentication, and high availability to support peak traffic without performance drops. 

Loan Services and Credit

We integrate KYC, risk scoring, and audit trails to ensure transparency and regulatory compliance.

Money Transfers and Payments

We implement secure, multi-mode payment infrastructures that support UPI, NEFT, RTGS, IMPS, and internal transfers within a unified experience.

Credit Card Management

A Unified Card Platform that handles credit card life-cycle management, from instant digital issuance to real-time transaction tracking.

TECHNICAL HIGHLIGHTS

Money Transfers and Payments Services by Engineers Who Have Delivered 1000+ Projects

Production-proven implementations with enterprise-grade architecture.

High-Throughput Backend

The transfer engine is built in Golang, selected specifically for its concurrency model and low-latency performance under high transaction volumes. This is what allows the system to sustain ₹100+ Cr in daily processing without degradation during peak periods.
High-Throughput Backend

Payment Switch and Mode Routing 

On-Hold State Management 

FEATURED CONTENT

Our Latest Thinking in Money Transfers and Payments Services

Discover the latest blogs on Our Latest Thinking in Money Transfers and Payments Services, covering trends, strategies, and real-world case studies.

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Credit card fraud costs U.S. businesses billions. Discover proven prevention & detection strategies using secure architecture, AI, and compliance to stay ahead of evolving threats.

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Confused about encoding, hashing, and encryption? This cybersecurity guide explains how to protect data and ensure digital system trust.

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Workflow automation is the hidden backbone of scalable digital platforms. See how automation with AI ensures resilience, efficiency, and seamless experiences.

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Discover why rate limiting is more than throttling. Learn strategies, algorithms, and architectures that keep APIs resilient, fair, and scalable.

AI as a Catalyst for Digital Transformation and Expansion
Business

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Explore how AI powers digital transformation, drives business growth, enhances customer personalization and boosts operational efficiency across industries.

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Build with us.Accelerate your Growth.

Customized solutions and strategiesFaster-than-market project deliveryEnd-to-end digital transformation services

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Trusted By

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What You Need to Know

FAQs About Our Money Transfers & Payments Service

When a transaction is placed on hold — for compliance review, beneficiary validation, or settlement timing — the system captures the hold reason and the responsible entity as structured data at the point of the hold event. This is surfaced to the user in real time within the transaction detail view. Users can see why the transfer is paused and who is responsible for releasing it, which answers the primary reason they would otherwise contact support. We have seen this reduce payment-related support call volumes by approximately 40% in production environments.