PayShield is a UPI payment platform where every transaction is verified by three independent security layers — and where critical payments like hospital bills, ambulance charges and emergency transfers get a dedicated Continuity Route when the primary network is overloaded.
✓Pilot running with 3 merchant categories · No card data stored · NPCI-aligned design
When networks congest, when a payment is disputed, or when a family is standing at a hospital counter at 2 AM — the current experience breaks down exactly when it matters most.
During salary days, festivals and outages, transaction success rates drop. A failed payment at a hospital counter is not an inconvenience — it is a crisis.
Most payment flows trust one signal — a PIN or a device. If that single signal is compromised, so is the account.
There is no concept of a "critical payment" in the routing layer. A ₹50 chai and a ₹50,000 hospital bill compete for the same capacity.
PayShield never relies on a single check. Each layer is independent — compromising one does not weaken the other two.
A unique key pair is generated inside the phone's hardware secure element and never leaves it. Every transaction is signed on-device.
Hardware-backedBefore a payment is released, PayShield confirms that a real human intended it — combining biometrics with an on-device behavioural model.
On-device AIEvery request is scored server-side in milliseconds against device reputation, beneficiary history, velocity and network signals.
Server-side scoringWhen the primary rail is congested, degraded or down, PayShield detects it in real time and automatically moves qualifying payments onto a secondary route with reserved capacity and a priority queue.
The user scans a QR or taps a merchant. PayShield builds a signed payment intent on-device.
Layer 1 signs with the hardware key. Layer 2 confirms intent. Layer 3 scores risk server-side.
The routing engine checks rail health. Critical payments enter the priority queue if needed.
The payment settles, and a tamper-evident audit record is written for every layer.
A side-by-side look at standard UPI flows versus the PayShield approach.
| Capability | Standard UPI flow | PayShield |
|---|---|---|
| Authentication signals | Single layer (PIN / device) | Three independent layers |
| Key storage | App-level | Hardware secure element |
| Behavioural verification | Not used | On-device model |
| Emergency payment lane | None | Continuity Route |
| Failover during congestion | Manual retry by user | Automatic, <2s |
| Audit trail per layer | Limited | Full, tamper-evident |
Guaranteed priority routing for emergency admissions, ambulance charges and pharmacy counters.
Drop-in SDK for the three-layer authentication stack and a rail-health API.
Higher success rates at peak hours, fewer failed carts, and a fair fraud liability model.
Layer 1 is a hardware-bound cryptographic key. Layer 2 is intent verification with biometrics and behavioural signals. Layer 3 is a server-side risk engine. All three must pass.
Hospital bills, ambulance charges, dialysis, emergency pharmacy and user-flagged urgent transfers. Classification uses merchant category codes plus in-app intent signals.
No. The Continuity Route changes how a payment is transported, not how it is authorised. All three security layers still run and must pass.
PayShield sits alongside existing UPI rails. Banks and PSPs integrate through an SDK and a REST API for rail-health signals.
We are in pilot with a small set of hospital and merchant partners. We are now onboarding design partners for the next phase.
Cryptographic keys never leave the device's secure element. Behavioural models run on-device. Full details available under NDA.
Whether you're a hospital, a bank, a PSP or an investor — we'd like to hear from you. We usually reply within one business day.
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