Accelerate digital transformation with secure, scalable payment infrastructure tailored for co-operative banks.

Viyona enables co-operative banks to offer modern payment services, mandate systems, and transaction capabilities without complex technology investments.
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What This Bundle Covers

UPI Enablement Infrastructure
  • Real-time payment capability
  • VPA-based transactions & collect requests
IMPS Integration
  • Instant interbank fund transfer support
  • 24×7 payment availability
BBPS Participation
  • Bill payment services for customers
  • Utility and service bill collections
eNACH & UPI Autopay Mandates
  • Recurring debit setup for EMIs, insurance, and subscriptions
Payment Orchestration Layer
  • Smart routing across payment channels
  • Improved transaction success rates
Reconciliation Platform
  • Automated settlement matching and reporting
Fraud Risk Monitoring
  • Transaction pattern tracking and anomaly detection
API Gateway Connectivity
  • Integration with core banking and partner systems

How It Supports Co-operative Bank Operations

1
Digital Payment Activation
Enable UPI, IMPS, and bill payment services for customers.
2
Mandate-Based Services
Support recurring payment setups for loans, insurance, and savings schemes.
3
Transaction Processing
Handle customer payments through secure switching and routing layers.
4
Monitoring & Control
Track transactions and detect unusual activity patterns.
5
Settlement & Reconciliation
Ensure accurate financial reporting and transaction matching.

Key Benefits for Co-operative Banks

Accelerate Digital Transformation
Adopt modern payment capabilities without large infrastructure investments.
Expand Customer Services
Offer UPI, bill payments, and instant transfers to customers.
Strengthen Regional Competitiveness
Provide digital services comparable to larger banks.
Simplified Technology Adoption
Unified platform reduces integration and operational complexity.
Improved Transaction Reliability
Smart routing improves performance and availability.
Better Financial Visibility
Centralized dashboards for transaction and settlement tracking.
Secure & Stable Infrastructure
Designed to support safe and consistent banking operations.

Why Co-operative Banks Choose Viyona

  • Designed for Scalable Adoption

    Technology that supports gradual digital growth.

  • Reduced Operational Complexity

    Single platform for payments, mandates, and monitoring.

  • Secure & Compliant Framework

    Built to support safe digital banking operations.

  • Supports Customer-Centric Services

    Enables digital payments, bill collections, and instant transfers.

  • Reliable Infrastructure for Daily Operations

    Stable systems built for continuous banking activity.

  • Flexible Integration Support

    Works with existing core banking environments.

Start Your co-operative banks Integration 

Share your details and our onboarding team will guide you through technical integration, certification, and production deployment of your co-operative banks setup.

    OUR EXPERT'S ANSWER

    Commonly Asked Questions 

    How does this help co-operative banks go digital?
    It provides ready-to-integrate infrastructure for UPI, IMPS, mandates, and collections.
    Can this integrate with existing banking systems?
    Yes. The platform supports API-based integration with core banking platforms.
    Does it support recurring payment mandates?
    Yes. eNACH and UPI Autopay can be enabled for loan and subscription collections.
    Is this suitable for regional banks with growing customer bases?
    Yes. The infrastructure is scalable and supports increasing transaction volumes.
    Does it help with reconciliation and monitoring?
    Yes. Automated reconciliation and transaction visibility are included.
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