Business / Merchant
I need payment & financial services
Connect your business to payment, collection, payout and financial infrastructure through Peneu.
Talk to PeneuConnect with Peneu
Build the payment network behind your business.
Whether you are a merchant looking for payment infrastructure or a bank, PSP, TSP or financial institution looking to reach businesses through Peneu, choose the path that fits you.
Payment / Financial Partner
I want to offer my services through Peneu
Banks, PSPs, TSPs, NBFCs and other financial infrastructure providers can explore integration and distribution opportunities with Peneu.
Become a Peneu PartnerFor businesses
Tell us about your payments
Share what you collect, pay out and where you operate. The form reaches the team; the addresses below work too.
General Enquiries
For product information, business enquiries, onboarding questions and general assistance.
Email PeneuBank & PSP Partnerships
For banks, payment service providers and financial infrastructure partners interested in partnering or connecting with Peneu.
Start a PartnershipTalk to Peneu
Tell us what you're building
For banks, PSPs, TSPs and NBFCs
One orchestration layer. Multiple financial connections.
A provider connects once; businesses reach it through the routing rules they set. Point at a provider to follow its connection, or at the core to see the network respond.
Partnership
Why partner with Peneu?
A partnership is shaped around what you offer and how businesses would use it.
Reach more businesses
Distribution opportunities through Peneu.
One integration layer
Explore technical connectivity.
Multiple partnership models
Commercial models agreed case by case.
Dedicated collaboration
Business and technical partnership discussion.
Distribution, volumes and commercial terms are agreed case by case. Nothing here promises merchant volume, transactions or revenue.
Partner onboarding
From first enquiry to go-live
A typical path, not a fixed process: every partnership is different, and the steps and their order are agreed with you.
Apply
Tell us about your organisation and services.
Review
Business, product and partnership review.
Discover
Technical, commercial and operational discussion.
Integrate
API, sandbox and integration work where applicable.
Validate
Testing and operational readiness.
Go live
Production onboarding after applicable approvals and agreements.
Partnership categories
Which kind of institution are you?
See how each category typically fits an orchestration layer. Categories describe possibilities, not live integrations.
Acquiring, settlement and account banks
Banks can offer collections, payouts, virtual accounts and account services to businesses that reach them through an orchestration layer. The bank keeps its own obligations: customer due diligence, how funds move, and reporting to its regulator.
What a first conversation coversWhich products and business segments are in scope, how onboarding checks are shared, and how settlement and reporting reach the business.
API banking guide
CollectionsPayoutsVirtual accounts
Illustrates a partnership category, not a live integration.
Payment aggregators and gateways
Card, UPI, netbanking and wallet acceptance. Behind an orchestration layer, a PSP is one of the routes a business's payments can take, chosen by rules the business sets. The PSP's own merchant checks and fund-flow obligations stay with it.
What a first conversation coversPayment methods and merchant categories covered, how routing and failover reach you, and how refunds, disputes and settlement reports are exchanged.
Payment gateway guideCardsUPINetbanking
Illustrates a partnership category, not a live integration.
Technology service providers
Processing, tokenisation, checkout, verification and the other technology payment flows depend on. A TSP connects as a technical component; the regulated entities it serves remain responsible for their own obligations.
What a first conversation coversWhat your service does in the payment flow, how it is called, and which regulated entity sits on each side of it.
What a TSP isTokenisationVerificationProcessing
Illustrates a partnership category, not a live integration.
Lenders and business credit
Working capital, credit lines and other credit for businesses. Credit offered through digital channels falls under RBI's Digital Lending Directions, 2025, which set out what a lending service provider can and can't do; any arrangement has to be structured around them before it goes live.
What a first conversation coversThe credit products, who the borrower relationship sits with, and how disbursal and repayment flows would work within the Directions.
Working capital guideWorking capitalCredit linesRepayments
Illustrates a partnership category, not a live integration.
Rails, networks and specialist providers
Bill-payment operating units, payout and cross-border providers, verification and KYC services: the specialist infrastructure a business needs alongside payment acceptance.
What a first conversation coversWhere your service sits in a business's payment operations, and how status, reconciliation and incidents are handled across both sides.
Payment rails comparedBill paymentsPayoutsCross-border
Illustrates a partnership category, not a live integration.
Other regulated institutions
Prepaid-instrument issuers, card issuers, insurers and other institutions whose products reach businesses through a payment flow. Which regulator's rules apply depends on the product, and that shapes what a partnership can look like.
What a first conversation coversThe product, the rules it is issued under, and what role, if any, a technology layer can play in distributing it.
RBI rules cited on this sitePrepaidCardsInsurance
Illustrates a partnership category, not a live integration.
Partner enquiry
Bring your infrastructure to the Peneu network.
Tell us what you offer, where you operate and what kind of partnership you are exploring.
Global Offices
Where to find us
India
Mumbai Office
211, Raheja Chambers,Nariman Point, Mumbai,Maharashtra 400021India
Bengaluru Office
21, Parangi Palaya, Sector 2,HSR Layout, Bengaluru,Karnataka 560102United Arab Emirates
UAE Office
48, Sheikh Zayed Rd,Burj Khalifa, Downtown Dubai,Dubai, United Arab EmiratesNepal
Nepal Office
215/25 Hattisar,Hattisar Road, Kathmandu,Bagmati 44600Legal entity PENEU LIMITED
Existing merchant or partner? See Grievance Redressal