Onboard faster, resolve disputes on time, and keep the evidence your regulator asks for.
For payment companies, finance companies and other regulated firms. Run onboarding, disputes, complaints and reporting as tracked processes alongside your core platform, with your rules applied and every decision recorded.
The product is fast. The operations around it are not.
Anubavam helps payment companies, finance companies and other regulated firms run their operations as tracked processes: merchant and customer onboarding, disputes, complaints and regulatory reporting. It works alongside your core platform, applies your rules as settings, sends exceptions to named owners and records every decision for audit and your regulator.
- Onboarding that waits on documents.Merchants and customers send documents by email, and checks wait in a queue.
- Disputes against the clock.Each dispute has a deadline, but the evidence is spread across systems and inboxes.
- Complaints without an owner.Complaints arrive by every channel, and response deadlines are tracked in a spreadsheet.
- Reporting rebuilt each period.Regulatory returns start with data pulled by hand from several systems.
Four processes financial services firms often start with
| Process | Merchant or customer onboarding | Disputes and chargebacks | Complaints | Regulatory reporting preparation |
|---|---|---|---|---|
| The problem today | Documents by email, checks in a queue | Evidence gathered by hand against a deadline | Many channels, deadlines in a spreadsheet | Data pulled by hand |
| What changes | Portal for documents, checks run, risk-based review, results passed to your screening provider and core platform | Each dispute has an owner, deadline and evidence checklist | One log, owner, response target, escalation | Inputs requested, checked, approved and versioned |
| What you can measure | Days to onboard, applications waiting on documents | Disputes answered before deadline | Complaints answered on time, overdue complaints | Days to prepare, corrections after submission |
Example: onboarding a new merchant
Illustrative. A merchant applies through your website and uploads company documents through a portal. Anubavam reads the documents, checks they are complete and consistent with the application, and passes the details to your screening provider. The result comes back as low risk, so the application goes straight to the onboarding team’s queue. A second merchant’s documents disagree on the company address; that application goes to a named reviewer with the difference shown. Approved merchants are created in your core platform through the connection. Each step, check and decision is recorded.
Illustrative
Your core platform stays. The operations around it get faster.
- Core platform and ledger stay as they are.Anubavam does not process payments or hold funds.
- Screening stays with your provider.We pass details to your screening and verification providers and record the result.
- Connect in stages.Controlled exports first, then read access, then two-way where needed and approved. See Integration.
- Documents read and checked,with uncertain items sent to a person. See Document Intelligence.
Controls you can show
- Rules as settings. Risk thresholds, document requirements and approval levels are settings. Changes are approved and versioned.
- Separation of duties. The person who prepares a case cannot approve it.
- A record of every decision. Who decided, when, on which evidence and under which rule version.
- Data in your region where available, on AWS or Oracle Cloud, in an environment dedicated to you.
- Certified security. ISO/IEC 27001:2022 and ISO/IEC 27701:2019, certified by DNV. See Trust.
You remain responsible to your regulator. Anubavam gives you the controls and the evidence.
AI agents can help, for example by checking documents for missing items or preparing a dispute summary. You decide whether each agent alerts, recommends or acts. Early Adopter. See AI and Agents.
Start with one process, on your rules
Our integration layer, Creatrix Connect, already connects to more than 50 payment gateways for our clients. Bring one process, such as merchant onboarding or disputes. We map how it runs today and show a first version measured on your own numbers.
For banks, see Banking.
Questions from financial services firms.
No. Anubavam runs the operations around it and connects to it in stages. It does not process payments or hold funds.
We collect and check documents and pass the details to your screening and verification providers, then record the result. Screening stays with the provider you already use.
Every decision is recorded with the evidence and rule version that applied, and you can export the record. You remain responsible to your regulator; we give you the controls and the evidence.
Yes. Thresholds, document requirements and approval levels are settings, changed by authorised administrators and recorded.
On AWS or Oracle Cloud, in your region where available, in an environment dedicated to you.
Banking covers lending and branch operations for banks. This page covers payment companies, finance companies and other regulated firms.