VittFlow: Enterprise FinTech Platform
About Ciphers
Ciphers is a next-gen Indian technology company helping businesses build, launch, and scale their best tech products — as good as in-house, so they don't have to!
We combine the robustness of traditional enterprise tech with the agility of modern AI/ML and scalable cloud architecture. From FinTech to EdTech, PharmaTech to AgriTech, ChemTech to anything you can imagine — we've got it covered.
Your Long-Term Technology Partner
Development
Custom-built solutions tailored to your specific business requirements
Scale
Robust architecture that grows with your business needs
Management
Ongoing support and maintenance to ensure optimal performance
We're more than just a software development company — we're a long-term partner that helps you go from development to scale to ongoing management of your tech.
The Missing Piece in Indian Business
Skills
Industry expertise
Registration
Regulatory approvals
Tech Partner
The critical missing piece
There are countless great players in the Indian business space who already have the skills, licenses, and regulatory approvals to run their businesses — but many lack one critical piece: the right tech partner to bring it all together.
That's where Ciphers comes in.
Why Ciphers Exists
Partnership
Long-term technology ally
Integration
Seamless tech solutions
Innovation
Cutting-edge capabilities
At Ciphers, we exist to be the right tech partner that brings together all the elements of your business. We understand the unique challenges of the Indian market and provide solutions that help you navigate the complex technological landscape.
Introducing VittStack - Coming soon!
SaaS Products
Purpose-built for financial technology
Enterprise Ready
Designed for startups to large corporations
Production Ready
Mature and deployment-ready solutions
Beyond services, we are also actively developing our own suite of SaaS products under VittStack, specifically built for FinTech startups, corporates, and large enterprises.
Currently, VittFlow is the most mature and production-ready platform in the stack — and our main focus for onboarding enterprise customers.
VittFlow: Launch Your FinTech Business
PaaS Solution
Platform-as-a-Service model
White-Label Ready
Brand it as your own
Secure & Scalable
Enterprise-grade architecture
Quick Launch
No need to start from scratch
With VittFlow, you can launch and operate your own FinTech company without starting from scratch. It's a scalable, secure, white-label-ready Platform-as-a-Service.
Comprehensive Payment Solutions
UPI Collections
Seamless integration with India's Unified Payments Interface
Vendor Payments
Streamlined payment processing for your business partners
KYC-Enabled Domestic Money Transfer (DMT)
Secure and compliant money transfer services
Currently supports:
UPI Collections, Vendor Payments, KYC-Enabled Domestic Money Transfer (DMT), Bharat Bill Payment System (BBPS), Aadhaar Enabled Payment System (AEPS), Mobile Recharge Services
AEPS, Bill Payment & Recharges
Bharat Bill Payment System (BBPS)
Integrated platform for bill payments across multiple service providers
- Utility bills
- Telecom services
- DTH recharges
- Insurance premiums
Aadhaar Enabled Payment System (AEPS)
Biometric authentication for secure financial transactions
- Cash withdrawals
- Cash deposits
- Balance inquiries
- Fund transfers
Mobile Recharge Services
Comprehensive platform for prepaid and postpaid mobile recharges
- All major telecom operators
- Data plans
- Talk time recharges
- Special packs
Enterprise-Grade Security Features
Secure Authentication
Multi-factor authentication and advanced security protocols
Role-Based Access Control
Granular permission settings for different user types
Data Protection
End-to-end encryption and compliance with data security standards
Audit Trails
Comprehensive logging of all system activities
Key Features: Secure authentication, Role-based access control
Scalable Architecture
Microservices Design
Modular components that can be scaled independently based on demand
Cloud-Native Infrastructure
Leveraging the best of modern cloud technologies for optimal performance
Auto-Scaling Capabilities
Automatically adjusts resources based on traffic and processing needs
High Availability
Redundant systems ensuring continuous operation even during maintenance
Key Features: Highly scalable architecture
Hierarchical Merchant Management
Admin
Complete system control
Super Distributor
Regional management
Distributor
Local area coordination
Retailer
End-user service provider
Key Features: Merchant hierarchy: Retailer → Distributor → Super Distributor → Admin
KYC Management & Compliance
Document Collection
Secure upload and storage of identity documents
Verification Process
Automated and manual verification workflows
Approval & Activation
Quick merchant onboarding after successful verification
Periodic Re-verification
Compliance with regulatory requirements for KYC updates
Key Features: KYC management for merchants
Financial Management Tools
Key Features: Individual merchant ledgers, Advanced dashboard and reports
Streamlined Onboarding Experience
Registration
Simple sign-up process with minimal information
KYC Submission
User-friendly interface for document uploads
3
3
Verification
Automated checks with manual review when needed
Activation
Immediate access upon approval
Key Features: Automated signup and registration flows
Multi-Level Commission Structure
4
Hierarchy Levels
From retailers to admin
100%
Customizable
Flexible commission rates
24/7
Real-time Tracking
Instant commission calculations
Key Features: Commission setting + multi-level distribution
VittFlow provides a sophisticated commission management system that allows you to set different rates at each level of your merchant hierarchy. This ensures fair compensation for all participants while maintaining your profit margins.
Get Started with VittFlow Today
Take the next step in transforming your payment ecosystem with VittFlow - India's premier enterprise FinTech solution. Our team is ready to guide you through implementation and provide ongoing support.
Call Our Team
+91-8800XXXXXX
Contact Us
Email: business@ciphers.tech
Visit Website
Book Demo
Schedule a personalized demonstration
Ready to revolutionize your payment solutions? Reach out today!
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