Merchant Warrior

Merchant Warrior is a global payments technology company founded in 2009 by brothers Raky and Sumeet Pathak. Headquartered in Brisbane, Australia, the company builds modern infrastructure for digital commerce, equipping businesses of all sizes with tools to accept, manage, and optimize payments. The platform supports a wide range of payment methods including Visa, MasterCard, American Express, Discover, JCB, Diners, China UnionPay, and digital wallets like Apple Pay, Google Pay, and Click to Pay. It also facilitates real-time payments and bank transfers via EFT, PayID, and PayTo through Australia’s New Payments Platform. Beyond payment processing, Merchant Warrior offers advanced features such as recurring billing, fraud prevention, transaction analytics, and seamless integration via APIs and SDKs. The company partners with financial institutions and global tech providers to ensure secure, scalable, and compliant payment solutions. - Direct API - for real-time payment processing, - Hosted Payment Pages - (customizable and PCI-DSS compliant) - Token Payments - to securely store card data and facilitate repeat transactions - Phone Payments (IVR) - handling transactions via call-in systems - Batch Payments - to efficiently process high-volume transactions - Payframe iFrame - solution to outsource PCI compliance while matching site branding - Apple Pay - support for iOS and web powered purchases - Google Pay - support for Android and web transactions - PayID - generation for instant bank transfers - BPAY - for bill payments via Australian banking channels - Payouts – real-time transfers from business accounts to consumers or other businesses - Paylink - for sending secure payment links - Direct Debit - processing for Australian and NZ bank accounts - Dynamic Currency Conversion - to charge customers in their currency and settle in local - Least Cost Routing; Dynamic Surcharging; Automated Reconciliation; - Chargeback Automation - for acquirers/integrators