Payment operations
Card, ATM, UPI, switch, merchant and partner files handled in one operating view.
Future-ready banking operations
Unified payment operations for banks, fintechs, and regulated financial teams
FirstMelon brings reconciliation, settlement, merchant acquiring, dispute management, ATM operations, and banking intelligence into a dependable product suite for institutions that run high-volume payment ecosystems.
Settlement Control Room
Matched valueRs. 482.7 Cr99.82% cleared
Open exceptions14842 urgent
SLA health96%on track
UPI switch file reconciled
ATM cash forecast ready
Chargeback queue assigned
Payments value chain
Reconciliation and settlement
Merchant and TPAP operations
Bank-grade workflow control
Key capabilities
Payment technology shaped for real banking operations
Exception lifecycle
Every mismatch, owner, action, comment, evidence and closure stays traceable.
Bank workflow engine
Rules, validations, approvals and settlement flows can be shaped around each institution.
Processing discipline
Built for daily transaction pressure, operational cut-offs and controlled day-end movement.
Unified operating layer
Bring order, speed, and confidence to every transaction cycle
From file intake to exception closure, FirstMelon gives banking teams a disciplined way to match records, trace mismatches, assign ownership, prove closure, and move daily operations forward without spreadsheet chaos.
Real-time exception visibilityMulti-rail payment supportConfigurable bank workflows
Product ecosystem
One stack for the payment value chain
Inspired by the way leading payment platforms organize products, FirstMelon brings the relevant operating layers into a focused banking product suite.
Central Payment Operations
A command layer for reconciliation, settlement, clearing, switching support and day-end closure.
Retail and Digital Payments
Operational products for UPI, cards, wallets, ATM, merchant and acquiring transaction flows.
Transaction Banking Support
Tools for collections, payouts, partner files, exception routing and enterprise payment visibility.
Merchant and TPAP Operations
Merchant onboarding support, transaction visibility, settlement checks and dispute workflow control.
Reconciliation and Settlement
Comprehensive matching, robust settlement, dispute management and chargeback processing.
Banking Intelligence Services
Dashboards, risk signals, automation, AI assistants and data products for banking teams.
Product suite
Core banking operations, made sharper
Purpose-built modules for the moments where financial operations cannot afford delay, leakage, uncertainty, or broken audit trails.
Clearing and Settlement System
A bank-grade clearing engine for payment rails, settlement windows, liquidity visibility, exception queues, and controlled day-end closure.
Enterprise Reconciliation
Match high-volume transactions across CBS, switch, card, UPI, wallet, ATM, merchant, and partner files with audit-ready confidence.
Merchant Acquirer Payments
Give acquiring teams one command center for merchant transactions, charges, payouts, settlement, and operational reconciliation.
ATM Cash Forecasting
Forecast cash demand, optimize replenishment, reduce idle cash, and keep ATM networks available with analytics-led planning.
Dispute Management System
Resolve card and payment disputes with guided workflows for chargeback, representment, write-off, evidence, and SLA tracking.
Technical Service Provider Platform
Run technical service requests, field coordination, partner performance, and issue closure through a transparent operating layer.
Platform strengths
Designed for volume, accuracy, and control
Dispute Command Center
Track cases, evidence, reason codes, responses, reversals, and closure without losing visibility.
Multilingual Ready
Support wider teams and customers with language-ready workflows and service journeys.
Channel File Intake
Bring statements, switch files, reports, and operational data into one governed matching flow.
Distributed Reconciliation
Coordinate transaction matching across systems, teams, business units, and payment channels.
Guided Operations
Give users clear prompts, status answers, and workflow guidance for routine tasks.
Rule-Based Configuration
Adapt matching rules, validation, routing, and approval flows without brittle custom changes.
Modular Architecture
Use independent services that integrate cleanly with enterprise banking ecosystems.
Scale With Volume
Handle growing transaction loads while keeping exception management responsive.
High-Throughput Processing
Process large batches and daily transaction streams with speed, consistency, and control.
Lower Operating Cost
Reduce manual effort, repeated follow-up, exception leakage, and downstream rework.
Why FirstMelon?
Built like a product company. Trusted like a banking partner.
Traditional banking understanding
We speak the language of branch operations, payment cut-offs, settlement windows, ledgers, controls and audit trails.
Modern product architecture
Our modules follow a configurable, integration-friendly approach so banks can modernize without disturbing core systems.
Operational clarity
Teams get one place to see matched records, open exceptions, ageing, ownership, SLA health and closure status.
Built for trust
Secure delivery, structured workflows and transparent evidence trails help institutions operate with confidence.
Trusted relationships