About Merchant Link (PaaS)

Empower your merchants, discover ways to enhance the customer experience.

Merchant Link, Payments-as-a-Service Platform (PaaS), is a model that allows banks and other financial institutions to offer their customers advanced payment products and services without the need of building it internally. Brankas is a service provider, that connects Banks and financial institutions to operate their own payment services. We integrate our Merchant Link Privacy-by-design Payment technology with your bank’s core banking or digital banking system through an API gateway and offer operations such as end-to-end merchant management, transaction management and API-management.

The right Open Finance infrastructure for your business.

Key Merchant Link Benefits

• Save on Transaction Cost - Save up to 50% on recurring transaction fees regardless of transaction volume.

• Scale to any Payment Method - Merchant link is built for growth and expansion, ready to adapt to any payment method.

• Improve Brand Consistency - Customize the checkout process with your business name, logo and colors.

• Customized to your Business Needs - Configure processes best to fit your business needs without compromising on security compliance.

• Expand your Reach & Customer Base - By partnering with third-party companies and allowing them to offer financial services using your banking infrastructure.

• Generate Additional Revenue - Monetize your Banking-as-a-service APIs by offering seamless integration of banking services to the partners you choose.

• Build New Business Relationships - By partnering up with the non-bank partners, build relationships for your business banking sector.

• Stay Competitive & Innovative - Leveraging the latest technology and innovations, stay ahead of your competition in a rapidly evolving industry.

Top Use Case Features

• Easily Set up any Payment Method - Set up any payment methods to best cater for your customers such as QRIS payments, BNPL & cash payments for retail.

• Fraud Detection Service - Merchant Link is equipped with advanced fraud detection technology so your business can remain fraud-free.

• Seamless Card Management - Manage card transactions such as reversals, refunds, currency conversion, instalments, tokenization and settlements all in one platform.

• Manage your Merchants - Equipped with a maker-checker process, notifications and invoicing.

• Seamless Payment Symphony - Mastering API Orchestration, built for you and your open finance initiatives.

Top Case Study