“Can Innoviti become India's dominant unified payment aggregator and retail SaaS platform by embedding payments, credit, and revenue intelligence for enterprise merchants and SME dealers across both online and physical channels?”
Founded in 2002 as a technology firm, Innoviti pivoted in 2008 into payments infrastructure for merchants across India, focusing on in-store POS, EMI, and multi-channel payment acceptance. By 2017, Innoviti layered in SME lending via dealer financing partnerships, embedding credit distribution alongside its payment stack. Over 2024–2026, Innoviti transformed into a fully RBI-authorized Payment Aggregator for both online and physical channels, positioning itself as a payments-centric retail SaaS platform with embedded lending, reconciliation, and revenue assurance capabilities for enterprise merchants and SMEs.