Fathima Firose, Author at Zwitch

How Aggregator Platforms Hold Seller Funds Legally Without Taking Ownership

Marketplace payments are rarely as straightforward as they appear. While customers complete transactions in seconds, the movement of funds behind the scenes follows a tightly regulated structure. In India, aggregator…

AI-Driven Settlement Reconciliation: Fixing What Breaks at Scale

As digital payments scale across UPI, cards, wallets, and BNPL, reconciliation is no longer a simple back-office task; it becomes a system-level challenge. What once worked in spreadsheets starts to…

What Is CKYC? Meaning, Registration Process & How to Get Your KIN

CKYC simplifies KYC with centralized records, less paperwork & seamless verification across banks, NBFCs & investments. Learn more!

Credit Card Outages: Why It Happens & What You Can Do About It?

Card payments power everyday transactions from groceries and fuel to online checkouts and subscriptions. But when something breaks in the payment chain, transactions can fail instantly, disrupting both businesses and…

What are the Different B2B Payment Methods?

Your finance team probably spends hours every week managing B2B payment methods uploading files, matching invoices, chasing payment statuses. Meanwhile, vendors wait days for settlements, and you can’t see real-time…

Online Payment Failed? Common Reasons & What To Do When a Transaction Doesn’t Go Through

Digital payments are a part of everyday life now, from ordering groceries and paying bills to booking tickets and shopping online. With a few clicks, money moves across accounts in…

When Software Starts Paying for You: The Rise of Agentic Commerce

Agentic commerce is redefining how payments work by allowing AI agents in payments to initiate, decide, and execute transactions autonomously. For Indian businesses, this means fewer manual interventions, smarter cash…

Implementing PCI-DSS Compliant Payment Flows Using Tokenization APIs

Handling card payments is no longer just about speed and convenience. For Indian businesses, secure card data handling and alignment with PCI-DSS requirements have become commercially non-negotiable, driven by rising…

How Microservices Improve Scalability in Payment API Workflows

Indian businesses often face sudden surges in payment traffic—whether it’s UPI transactions during peak hours, subscription renewals at month-end, or unexpected spikes from online campaigns. Traditional all-in-one payment systems or…

Travel Industry Payment Integrations: Multi-Currency & Multi-Leg Settlements

The modern travel business no longer sells a single service. It sells entire journeys—flights, hotels, ground transport, experiences, insurance, and add-ons—often spanning multiple countries, currencies, and partners. For Indian travel…

Fathima Firose