Gen 4 Banking Stack — Now Available for D2C

Smart checkouts.
Pure banking
stack.

Sampoorn Technologies is the one-stop destination that connects your business to the right payment infrastructure — built for how modern brands grow, sell and scale.

Gen 4
Next-era banking stack
One Stop
Full payment coverage
₹100Cr+
GMV optimised
Payment failure rate 12% → 3%
🔬
Transaction cost Reduced
Stack optimised
Drop-off errors decoded ERR_3DS · ERR_TIMEOUT
Banking relationships Connected
Gen 4 stack
Gen 4 Banking Stack · Bank Relationship Advisory · Error Code Analysis · Drop-off Diagnostics · EMI & Instalment Solutions · Checkout Optimisation · Custom Payment Flows · Buy Now Pay Later · Transaction Cost Reduction · One-Stop Payment Intelligence · Gen 4 Banking Stack · Bank Relationship Advisory · Error Code Analysis · Drop-off Diagnostics · EMI & Instalment Solutions · Checkout Optimisation · Custom Payment Flows · Buy Now Pay Later · Transaction Cost Reduction · One-Stop Payment Intelligence ·

The next evolution in
payment infrastructure.

Gen 1 was cash. Gen 2 was cards. Gen 3 was UPI. Gen 4 is the next step — intelligent, agile, relationship-driven banking infrastructure that gives your business a sharper commercial edge.

Intelligence Layer
🧠

Smart Stack Design

A Gen 4 stack isn't one provider doing everything — it's the right infrastructure for the right transaction type. We design it, optimise it and keep it performing.

Cost Architecture
📐

Margin-First Thinking

Every decision in your payment stack has a cost. Gen 4 thinking means being deliberate about every basis point — structuring your stack to protect margin as you grow.

Every payment need.
One relationship.

Most brands have to go to different people for different problems — one for checkout, another for cost, another for banking. Sampoorn Technologies is the single point of contact that handles all of it — from diagnosing what's broken to building the banking relationships your business needs to scale.

We don't just advise. We connect. We execute. We stay.

🏢
Checkout Optimisation
Banking Advisory
EMI & BNPL Setup
Error Diagnostics
Cost Structuring
Stack Design

Your checkout is bleeding.
Silently.

Between transaction costs, failed payments, silent drop-offs and a checkout that doesn't match how customers want to pay — brands lose 2–5% of every rupee before it lands in their account. Most never know it's happening.

💸

Hidden transaction costs

Fees stacking up across your payment setup that no one has mapped, challenged or renegotiated.

Silent payment failures

5–12% of transactions fail with no explanation — customers leave, revenue disappears, no alert fires.

🛒

Payment page drop-off

Customers reaching checkout but not completing — the most expensive abandonment point in the funnel.

🔧

No flexible payment options

Customers ready to buy but needing EMI or instalments — and your checkout can't offer it.

We know exactly
why they left.

When a payment fails, your customer sees nothing — or a vague error message. Behind that is a precise technical code that tells the full story. We read every one. Most brands never do.

We deep dive your transaction failure logs — decoding every error, mapping every drop-off point, and handing you a recovery playbook your team can act on immediately.

transaction_failure_log.csv
ERR_TIMEOUT_GATEWAY Gateway timed out Fixable
ERR_3DS_AUTH_FAILED Auth step dropped Fixable
ERR_ISSUER_UNAVAILABLE Issuer not reachable Fixable
ERR_INSUFFICIENT_FUNDS Card declined Recoverable
ERR_UPI_LIMIT_EXCEEDED VPA daily limit hit Recoverable
ERR_SESSION_EXPIRED Checkout timed out UX issue
🔬

Error Code Analysis

Every failure code categorised by type and volume. We tell you which are structural breaks vs recoverable situations — and the exact fix for each.

Technical deep dive
📉

Drop-off Mapping

We trace exactly where on the payment page customers are abandoning — pre-OTP, post-redirect, during authentication — and build a fix priority list.

Page-level precision

Recovery Playbook

Not just diagnosis. A concrete recovery playbook — which errors to fix first, how to retry intelligently, and how to recapture transactions that should have gone through.

Actionable output

Everything your payment
stack needs

Built for brands doing ₹10Cr–₹500Cr+ in GMV who are serious about margins and payment experience.

01
🔍

Payment Experience Audit

Complete review of your checkout — costs, failure rates, drop-off points, payment method coverage and the full customer journey from cart to confirmation.

Delivered in 48hrs
02
🔬

Error & Drop-off Diagnostics

Deep-dive into your transaction failure logs. Every error decoded, every drop-off point mapped, every recovery opportunity identified.

Technical deep dive
03
🏗️

Checkout Optimisation

A smarter, more flexible checkout built around your customers — EMI, pay-in-instalments, BNPL, one-click flows and payment methods tailored to your buyer profile.

4–6 week engagement
04
🏦

Banking Relationship Advisory

At scale, there are commercial arrangements worth exploring that most brands have not looked into. We help identify what is relevant for your business, structure the right conversations and make the connections that matter.

For ₹100Cr+ GMV brands

Payment experiences built
around your customer

No two businesses are the same. We design payment flows that match how your specific customers want to buy.

📅

EMI & Instalments

Let customers split large purchases into easy monthly payments — increasing AOV and reducing drop-off on high-ticket items.

One-Click Checkout

Reduce friction for repeat customers with faster flows and fewer steps between intent and purchase.

🔄

Buy Now, Pay Later

Deferred payment options that match your customers' cash flow — without taking on the risk yourself.

🎯

Custom Payment Flows

Subscriptions, prepaid wallets, partial payments — designed for your business model, not a generic template.

Simple. Fast. No fluff.

1

Tell us your setup

20 minutes. We understand your checkout, volumes and exactly where it's breaking.

2

We audit everything

Full review — costs, error codes, failure patterns, drop-off points, missed revenue.

3

You get the roadmap

Clear priorities — quick wins first, structural Gen 4 improvements next.

4

We connect & execute

We make the right introductions, guide implementation and stay hands-on until it sticks.

Built for brands that mean business

🛍️

D2C Brands

Fashion, beauty, wellness, home — brands who want a smarter banking stack and a checkout built for how their customers actually pay.

Fashion Beauty Wellness Home & Living Footwear

Platforms & SaaS

Checkout platforms and e-commerce enablers wanting to give their merchant base smarter, more flexible payment infrastructure.

Checkout platforms E-com SaaS Marketplaces
🌍

International Brands

Global D2C brands entering India who need to navigate the local payment ecosystem and build the right banking relationships from day one.

Market entry Local setup Banking connections
Frequently Asked

Questions we get asked often

What is a payment stack audit? +

A complete review of your checkout — fees, failure rates, drop-off points, error codes and routing logic. We deliver a full audit within 48 hours with a prioritised action plan.

How can D2C brands reduce MDR in India? +

By optimising payment routing, leveraging UPI for zero-MDR transactions, and exploring volume-based direct arrangements with banks at scale. We identify and implement all of this.

What is a Gen 4 banking stack? +

An intelligent, agile payment infrastructure that combines smart routing, direct banking relationships, customised checkout experiences and proactive cost management — built for how modern D2C brands operate at scale.

Why are customers dropping off at the payment page? +

Gateway timeouts, failed 3DS authentication, unsupported payment methods, poor UX and slow loading are the main causes. We perform deep error code analysis to identify the exact cause and hand you a recovery playbook.

Who is Sampoorn Technologies built for? +

D2C brands doing ₹10Cr–₹500Cr+ in GMV, checkout platforms and SaaS companies, and international brands entering India who need to navigate the local payment ecosystem from day one.

How do you integrate bank offers and EMI on checkout? +

We set up card-specific discounts, no-cost EMI, debit card offers and cashback integrations by coordinating with issuing banks and configuring your gateway's offer management APIs — end to end.

What is payment gateway stack optimisation? +

Routing transactions intelligently across multiple gateways based on payment method, value and success rate — instead of one gateway for everything. Improves conversion and reduces cost simultaneously.

How can I increase my checkout conversion rate? +

Faster load times, more payment options, bank offers, fixing payment failures and reducing checkout steps all improve conversion. We audit and implement all of this with a clear before/after benchmark.

Ready for your
Gen 4 stack?

Drop your email. We'll reach out within 24 hours for a free checkout review — no commitment, just clarity on where you're losing money and what to do about it.