Bengaluru, September 1, 2026: Innoviti Technologies, India’s leading industry-specialised payment solutions company, today announced the launch of Innoviti Unipay’s UPI Acquirer Backup Platform, an AI-powered system designed to prevent UPI transaction failures at checkout.
The platform automatically detects early signs of acquirer instability and reroutes UPI Dynamic QR traffic to a healthier acquirer within micro-seconds, without changes to merchant systems, reconciliation processes, or requiring the consumer to rescan the QR.
Pilot Results
- Intercepted 4,000+ potential UPI failures in one month across five hypermarket stores.
- Protected up to 6% of MDR cost from unnecessary migration to card rails.
- Reduced UPI failure rates by 90%, saving over ₹2 crore annually for a 100-store retail chain.
The Problem
When UPI payments fail, customers often default to credit cards, moving transactions from a near-zero-cost rail to one carrying MDR of 90–150 basis points. Cohort data shows that 10 out of every 100 UPI failures convert to card transactions within 90 seconds — faster than manual interventions can respond.
How It Works
- Uses unsupervised learning models to continuously score acquirer health against historical response patterns.
- Detects behavioural drift and reroutes traffic before failure reaches the counter.
- Requires no operational change at the merchant end and has no impact on reconciliation.
Tariq Anwar, Chief Systems Architect, Innoviti: “UPI has become the default choice at checkout for most Indian consumers, but every failed transaction risks losing to a higher-cost card payment. Our UPI Acquirer Backup Platform acts before the failure ever reaches the counter, using machine learning to continuously read acquirer health and reroute traffic seconds ahead of time. It’s a small shift in infrastructure with an outsized impact on retail margins.”
Availability
The UPI Acquirer Backup Platform is now available to enterprise retailers on Innoviti’s acquiring stack, with no additional merchant-side integration required.
About Innoviti Technologies
Innoviti Technologies harnesses transaction energy into a competitive edge for businesses, helping them grow faster and smarter. Its payments-centric SaaS software is used by enterprise brands and SME channel partners across online and offline channels, processing over ₹80,000 crore annually across 2,000 cities and 20,000 merchants.
- Processes 50%+ of purchases in enterprise retailers across food & grocery, lifestyle, and healthcare.
- Backed by marquee investors including Bessemer Venture Partners (USA), FMO (Netherlands), Catamaran Ventures (India), and the Patni Family Office (India).
- Recipient of RBI’s final authorization to operate as an online payment aggregator.
- Recognised with awards including Deloitte’s 50 Fastest Growing Companies in Asia (4x), Reliance Innovation Award, and Mastercard Innovation Award.
- Holds 14 patents awarded, with 11 more in pipeline.
🌐 Website: innoviti.com
