RBI Authorized Payment Aggregator · Built in Goa, for India
Powering the next chapter of digital payments in India.
InstiFi began with a simple belief — that financial technology should empower every business, not just the biggest ones. Today, as the only Goa-based company authorized by the Reserve Bank of India as a Payment Aggregator, we're building world-class payment solutions from a place known for creativity, resilience, and innovation.
Our Direction
Mission & Vision that power InstiFi
We are building rails that help businesses move money faster, safer, and with full clarity—today and for the long term.
Our Mission
To simplify payments so businesses can focus on growth, not rails.
We exist to remove friction from the way businesses accept, track, and reconcile payments. By combining secure infrastructure, real-time insights, and human support, we help merchants turn every transaction into a predictable, trusted experience.
Reliable by design
Infrastructure built for uptime, compliance, and scale from day one.
Clarity for operators
Transparent fees, clear dashboards, and support that speaks the language of finance teams.
Our Vision
To become the operating layer for every business payment journey.
We’re building towards a world where payment experiences are invisible—yet perfectly orchestrated in the background. From onboarding to settlements, InstiFi aims to be the trusted layer that unifies rails, data, and intelligence for modern businesses.
10+
industries we aim to power with vertical-first experiences.
Real-time
intelligence built into every transaction decision.
Global
roadmap that scales with merchants as they go cross-border.
What We Do
InstiFi provides a unified payments layer that helps businesses accept, manage, and track money across channels with enterprise-grade reliability and startup-speed execution.
Payment Aggregation
Accept payments from cards, UPI, net banking & wallets through a single, unified integration.
Settlements
Manage and automate all settlement processes with seamless reconciliation.
Dashboard & Analytics
Track payments, settlements, refunds, and business metrics with real-time insights.
Developer-first APIs
Well-documented APIs, webhooks, and SDKs designed for fast, reliable integrations.
Why Businesses Choose InstiFi
Built with compliance at the core and merchants at the center, our stack is engineered to earn — and keep — your trust.
99.9% Uptime
Highly available infrastructure to keep your payments flowing, even at scale.
Industry-grade Protection
Compliance-focused stack designed around RBI regulations and industry best practices.
Hands-on Onboarding
Real humans, real conversations — from integration to go-live and beyond.
Built to Scale
From first 100 customers to your millionth transaction, we scale with you.
Meet Our Leadership
The driving force behind our innovation and success, dedicated to transforming your payment experience.
Prakash Ravindran
Arbaz Jamaal
Anushree Chandra
Faisal
Guna Sekaran
Harshada Navelkar
Hari Prasad
Muthukaruppan
Arun Pandian
Life at InstiFi
At InstiFi, work is only one part of who we are — we believe a truly great workplace is shaped by balance, creativity, and shared celebrations. While we focus on building India’s next-generation payment systems, we also make time to unwind, connect, and enjoy meaningful moments together. Open conversations, friendly workspaces, and a collaborative culture keep us inspired. Festivals, birthdays, team milestones, and Fun activities bring energy into our days, while games, outings, and lunches strengthen our bonds. With an inclusive environment where every voice matters, InstiFi feels less like an office and more like a team. We’re building powerful products — and equally powerful memories — making every step fast-paced, rewarding, and genuinely fun.
