Merchant Customer Payments
Customer storefront payments go 100% directly to the merchant's own bank account or payment gateway. TWAICY never receives, holds, or delays merchant customer revenue.
Direct Payouts
100% Revenue Retention
1. 100% Direct Merchant Payout Model
Platform USP: Zero Escrow Holding & Direct Peer-to-Merchant Revenue
"100% of customer storefront payments go directly to the merchant's bank account or payment gateway. TWAICY never collects, holds, settles, delays or controls merchant revenue."
Unlike traditional marketplace aggregators (Zomato, Swiggy, Amazon) that hold merchant revenue in central wallets for 7 to 14 days and deduct 15–30% platform commissions, TWAICY operates under a zero-interception model.
Your business earns 100% of the sale price immediately when the customer places an order.
2. Payment Flow Diagram
Peer-to-Merchant Payout vs Marketplace Aggregator Interception
✅ TWAICY Direct Cash Flow Architecture:
3. Zero Escrow & Zero Holding Guarantee
No 14-Day Payout Delays or Holdbacks
TWAICY does not operate a central customer wallet. Payouts are not locked behind arbitrary threshold balances or subject to settlement delays.
4. Merchant-Controlled Payment Channels
Direct Credentials Connected to Merchant Storefront
UPI QR Code
Customer scans merchant UPI QR. Money credits instantly to merchant bank.
Direct Bank NEFT / IMPS
Direct bank transfer details for wholesale and bulk orders.
Merchant Razorpay Keys
Connect your own Razorpay ID for T+1 direct bank settlements.
Cash on Delivery (COD)
Collected directly by courier (Shiprocket) and remitted to merchant bank.
5. Zero Platform Commission per Sale
Keep 100% of Your Profit Margins
TWAICY charges 0% platform commission on orders. Whether your store does ₹10,000 or ₹10,00,000 in monthly sales, TWAICY earns only fixed SaaS subscription revenue.
6. Instant Liquidity & Working Capital Cash Flow
Same-Day Cash Flow to Restock Inventory
Direct payouts ensure instant liquidity for local merchants to restock inventory, pay suppliers, and manage daily operating cash flow without waiting for weekly platform cycles.
7. Payment Security & Fraud Prevention
Encrypted Checkout & Manual UTR Verification Controls
Storefront checkout pages are protected by SSL/TLS encryption. For QR payments, merchants verify 12-digit UTR numbers against bank passbooks before confirming order dispatch.
8. Complete Merchant Ownership Rights
100% Data & Customer List Sovereignty
You own your customer relationships, phone numbers, order histories, and sales revenue. TWAICY never locks your customer lists or restricts store export tools.
9. Frequently Asked Questions
Merchant Revenue & Direct Payout Questions
10. Contact Merchant Support Desk
Direct Payment Integration Assistance