{"id":14349,"date":"2022-12-30T17:40:05","date_gmt":"2022-12-30T12:10:05","guid":{"rendered":"https:\/\/blogrevamp.cashfree.com\/?p=14349"},"modified":"2023-01-03T11:22:59","modified_gmt":"2023-01-03T05:52:59","slug":"rundown-2022-cashfree-payments-milestones-memories","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/","title":{"rendered":"Rundown 2022: Cashfree Payments&#8217;s Year of Milestones and Memories"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a8f3c2354182\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a8f3c2354182\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#The_year_in_numbers\" >The year in numbers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Revolutionising_payments_one_product_at_a_time\" >Revolutionising payments, one product at a time<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Collections\" >Collections<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#softPOS\" >softPOS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#On-demand_UPI_Autopay\" >On-demand UPI Autopay<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#BNPL_by_Cashfree_Payments_%E2%80%93_Indias_largest_BNPL_suite\" >BNPL by Cashfree Payments &#8211; India\u2019s largest BNPL suite&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#3-D_Secure_20_for_international_card_payments\" >3-D Secure 2.0 for international card payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#QR_and_intent_flow_for_UPI_Autopay\" >QR and intent flow for UPI Autopay<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Offer_Engine\" >Offer Engine<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#DisbursalsPayouts\" >Disbursals\/Payouts<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Integrated_Payouts\" >Integrated Payouts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Refunds_on_Cashgram\" >Refunds on Cashgram<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Payouts_via_Corporate_Credit_Cards_and_Escrow_Accounts\" >Payouts via Corporate Credit Cards and Escrow Accounts<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Digital_Lending_Compliant_Solution_for_NBFCs_and_BNPL\" >Digital Lending Compliant Solution for NBFCs and BNPL<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Verification_Suite\" >Verification Suite<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Bank_Account_Verification\" >Bank Account Verification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Permanent_Account_Number_PAN_Verification\" >Permanent Account Number (PAN) Verification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Aadhar_Verification\" >Aadhar Verification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Vendor_Verification_for_Easy_Split\" >Vendor Verification for Easy Split<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Issuance_as_a_Service_IaaS\" >Issuance as a Service (IaaS)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Token_Vault\" >Token Vault<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Advances\" >Advances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#UniFi\" >UniFi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Simplifying_Cross-Border_Payments\" >Simplifying Cross-Border Payments<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Partnering_for_growth\" >Partnering for growth<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Event_Payments_Partnerships\" >Event &amp; Payments Partnerships<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Awards_and_recognition\" >Awards and recognition<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Our_burgeoning_family\" >Our burgeoning family<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Giving_back_to_the_community\" >Giving back to the community<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#In_the_news\" >In the news<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/#Wrapping_up\" >Wrapping up<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">The end of yet another eventful year is upon us. A year that brought us many milestones, achievements to celebrate, and occasions to remember fondly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We started returning to our offices, grew to a family of 842, turned 7 years old, opened 3 new offices across the country, and launched products that put us on the forefront of fintech innovation.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We also became the Payments Partner for the debut season of <a href=\"https:\/\/www.linkedin.com\/company\/shark-tank-india\/\" target=\"_blank\" rel=\"noreferrer noopener\">Shark Tank India<\/a> &#8211; which went on to become one of the country\u2019s most loved shows. Further along, we became the Payments Partner of <a href=\"https:\/\/globalfintechfest.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Global Fintech Fest 2022<\/a> &#8211; the world\u2019s largest fintech summit &#8211; and <a href=\"https:\/\/www.bengalurutechsummit.com\/\">Bengaluru Tech Summit 2022<\/a>, Asia\u2019s largest tech event.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amid celebrating these highs and working on pathbreaking products, there\u2019s much that we want to share with you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, let\u2019s rewind.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"770\" height=\"5468\" data-attachment-id=\"14351\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/high_cf_yearreview2022\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/High_CF_YearReview2022.png?fit=2500%2C17752&amp;ssl=1\" data-orig-size=\"2500,17752\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"High_CF_YearReview2022\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/High_CF_YearReview2022.png?fit=144%2C1024&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/High_CF_YearReview2022.png?resize=770%2C5468&#038;ssl=1\" alt=\"\" class=\"wp-image-14351\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/High_CF_YearReview2022.png?w=2500&amp;ssl=1 2500w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/High_CF_YearReview2022.png?resize=144%2C1024&amp;ssl=1 144w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/High_CF_YearReview2022.png?resize=768%2C5453&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/High_CF_YearReview2022.png?w=1540&amp;ssl=1 1540w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/High_CF_YearReview2022.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-year-in-numbers\"><span class=\"ez-toc-section\" id=\"The_year_in_numbers\"><\/span>The year in numbers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We pulled all stops this year, in a bid to bring fintech excellence to Indian businesses. The culmination of our efforts can be summed up in three neat figures. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This past year, we processed <strong>USD 40 billion in transactions<\/strong>. We are currently <strong>serving 200+ million bank accounts<\/strong>, and powering payments for over <strong>3,00,000 merchants<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-revolutionising-payments-one-product-at-a-time\"><span class=\"ez-toc-section\" id=\"Revolutionising_payments_one_product_at_a_time\"><\/span>Revolutionising payments, one product at a time<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Finding simple, revolutionary solutions to long-standing, complex payment problems has been our goal since we started out seven years ago. And, this year, we went above and beyond to bring this vision to life.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a ready reckoner on launches this year, from the House of Cashfree Payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-collections\"><span class=\"ez-toc-section\" id=\"Collections\"><\/span><strong>Collections<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-softpos\"><span class=\"ez-toc-section\" id=\"softPOS\"><\/span>softPOS<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Collecting payments from customers, especially those who prefer COD orders, can be challenging. We decided to dive deep into the problem and build layers on top of our existing products, so your collection woes can become a thing of the past.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With <strong><a href=\"https:\/\/www.cashfree.com\/bank-account-verification\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">softPOS<\/a><\/strong>, we enabled business merchants and their agents to turn any android device into a POS machine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">All your agents or delivery partners have to do is download the softPOS Android app and connect your Cashfree Payments account, and they\u2019re ready to collect payments from your customers at their doorstep via<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payment links with options for payment via UPI, cards, net banking, Pay later, paypal, etc.<\/li>\n\n\n\n<li>Dynamic codes for each payment<\/li>\n\n\n\n<li>Tap &amp; Pay (using mobile NFCs)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Your agents can also record cash payments, helping you reconcile smoothly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We further introduced<strong> <\/strong><a href=\"https:\/\/www.cashfree.com\/blog\/whats-new-static-qr-code-on-softpos\/\"><strong>Static QR Codes on softPOS machines<\/strong><\/a> to facilitate secure contactless in-store payments. Delivery partners and sales agents can generate static QR codes for customers to scan and pay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This helps you collect and keep track of payments, especially if you operate through multiple physical stores, or have many points of collection.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-on-demand-upi-autopay\"><span class=\"ez-toc-section\" id=\"On-demand_UPI_Autopay\"><\/span>On-demand UPI Autopay<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">We took our UPI AutoPay offering up a notch with <strong>On-demand UPI Autopay<\/strong>. This adds a personalised layer which enables businesses like you to customise your services as per your unique customer requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With <a href=\"https:\/\/www.cashfree.com\/blog\/whats-new-set-up-custom-recurring-payments-via-any-upi-app-with-on-demand-upi-autopay\/\">On-Demand UPI payment<\/a>, customers can make <em>recurring payments for subscription plans<\/em> instead of making one-off payments repeatedly. Your subscribers set up auto-debit with a one-time authorisation, deciding&nbsp; the amount, frequency and duration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This goes a long way in offering your customers payment flexibility. What\u2019s more -it is super easy to implement, and is supported on all major UPI apps such as Google Pay, PhonePe, Paytm, and the like.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-bnpl-by-cashfree-payments-india-s-largest-bnpl-suite\"><span class=\"ez-toc-section\" id=\"BNPL_by_Cashfree_Payments_%E2%80%93_Indias_largest_BNPL_suite\"><\/span>BNPL by Cashfree Payments &#8211; India\u2019s largest BNPL suite&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Providing convenience and flexibility to the end customers of the businesses we\u2019re so proud to power got us to build our latest offering &#8211; <a href=\"https:\/\/www.cashfree.com\/buy-now-pay-later\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">BNPL <\/a>by Cashfree Payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With India\u2019s largest BNPL suite, we enable businesses to offer pay later options, credit and debit card EMIs as well as cardless EMIs via our 30+ partners.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our BNPL offering can boost conversions by 30%, yield a 68% higher average order value and above all, bring your customers the ultimate flexibility of payment via no-cost EMIs and more.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-d-secure-2-0-for-international-card-payments\"><span class=\"ez-toc-section\" id=\"3-D_Secure_20_for_international_card_payments\"><\/span>3-D Secure 2.0 for international card payments<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">When a consumer makes a purchase online digitally, verifying transaction details and customer identity, and preventing fraud are absolutely vital.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We recently launched 3DS 2.0 &#8211; a&nbsp; secure and efficient method to collect payments from international customers for Indian businesses. It allows transactions to flow at great speed, while our APIs help banks and merchants distinguish clean transactions from fraudulent ones.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-qr-and-intent-flow-for-upi-autopay\"><span class=\"ez-toc-section\" id=\"QR_and_intent_flow_for_UPI_Autopay\"><\/span>QR and intent flow for UPI Autopay<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">To make recurring payments and subscriptions simpler for businesses, we launched QR codes and intent flow for UPI Autopay. Together, they make setting up autopay much faster for customers while embellishing the overall user experience.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-offer-engine\"><span class=\"ez-toc-section\" id=\"Offer_Engine\"><\/span>Offer Engine<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">When you are looking to convert more customers, reduce drop-offs and boost seasonal sales, discounts go a long way. But, implementing discounts is where most businesses encounter roadblocks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This year, we built the Offer Engine &#8211; a simple, yet powerful mechanism that makes it easy for businesses like you to<strong> <\/strong>create, configure, and manage offers across all online payment modes directly from the <a href=\"https:\/\/www.cashfree.com\/payment-gateway-india\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">Cashfree Payment Gateway<\/a> dashboard.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-disbursals-payouts\"><span class=\"ez-toc-section\" id=\"DisbursalsPayouts\"><\/span>Disbursals\/Payouts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-integrated-payouts\"><span class=\"ez-toc-section\" id=\"Integrated_Payouts\"><\/span>Integrated Payouts<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Whether it be paying employees or vendors, sending out partner commissions or customer refunds, making bulk <a href=\"https:\/\/www.cashfree.com\/payouts\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">payouts<\/a> is a routine activity for businesses. What puts a dent in this activity is having to integrate with multiple banks (and going through tons of paperwork). Bank holidays and transaction-per-second limits just add to the already long list of woes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our <strong>Integrated Payouts<\/strong> with 100% online onboarding, paperless KYC and a dedicated account manager, is a step in making this activity delightful. What\u2019s more &#8211;&nbsp; we connect you with all of our partner banks with our one-time integration &#8211; cutting down the integration time to <strong>three weeks<\/strong>, as opposed to several months if done with banks one by one.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our payouts are instant, and run round the clock, even on bank holidays. And, with dynamic rerouting for payouts through multiple banks, success rates remain high.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Besides, we\u2019ve also made manual errors a thing of the past, with bulk uploads for disbursals and smart reconciliation.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-refunds-on-cashgram\"><span class=\"ez-toc-section\" id=\"Refunds_on_Cashgram\"><\/span>Refunds on Cashgram<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">While refunds on UPI and cards are getting faster, COD refunds remain quite the challenge for businesses because they take ages to come through. Cashgram is our moonshot at making COD refunds simpler than ever before.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With <a href=\"https:\/\/www.cashfree.com\/blog\/cod-refunds-cashgram\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Cashgram<\/strong><\/a>, our most sought-after payout tool, you can process refunds to your customers for all COD orders. With just a phone number or an email ID, you can share a Cashgram with your customer and process refunds swiftly. It is smooth, it is easy and, above all, it does not take the usual 10-15 days.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-payouts-via-corporate-credit-cards-and-escrow-accounts\"><span class=\"ez-toc-section\" id=\"Payouts_via_Corporate_Credit_Cards_and_Escrow_Accounts\"><\/span>Payouts via Corporate Credit Cards and Escrow Accounts<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Businesses looking for multiple fund sources for making payouts &#8211; we hear you.<br><br>You can now make payouts via connected bank accounts, corporate credit cards and escrow accounts on our platform.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can add and manage multiple corporate credit cards to your Cashfree Payments dashboard, and use them to make payouts flexibly. You can also see your corporate credit card fund source details, available balance in the fund source, and the latest recharge details on the Overview screen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can also create <strong>escrow accounts<\/strong> and use our powerful APIs for loan disbursements, repayments and co-lending &#8211; staying secure and compliant as you operate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-digital-lending-compliant-solution-for-nbfcs-and-bnpl\"><span class=\"ez-toc-section\" id=\"Digital_Lending_Compliant_Solution_for_NBFCs_and_BNPL\"><\/span>Digital Lending Compliant Solution for NBFCs and BNPL<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We also launched a full-stack <a href=\"https:\/\/www.cashfree.com\/nbfc-digital-lending-solutions\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">digital lending solution <\/a>for NBFCs and fintechs. Our tailored solution enables them and their partner LSPs to scale their digital lending use cases, in alignment with RBI\u2019s latest Digital Lending Guidelines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With our suite, businesses can create escrow accounts and operate through APIs for loan disbursements, repayments and co-lending, while being fully compliant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-verification-suite\"><span class=\"ez-toc-section\" id=\"Verification_Suite\"><\/span>Verification Suite<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This year, we built the Verification Suite \u2013 a fuss-free solution that facilitates KYC for customers, employees and vendors by verifying their <a href=\"https:\/\/www.cashfree.com\/PAN-verification\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">PAN<\/a>, <a href=\"https:\/\/www.cashfree.com\/aadhaar-verification\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">Aadhar<\/a>, <a href=\"https:\/\/www.cashfree.com\/bank-account-verification\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">bank account numbers<\/a>, and <a href=\"https:\/\/www.cashfree.com\/gst-verification\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">GSTINs<\/a>.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-bank-account-verification\"><span class=\"ez-toc-section\" id=\"Bank_Account_Verification\"><\/span>Bank Account Verification<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Onboarding vendors or employees, and need to know if their bank account details are in order?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Verify up to 10,000 bank accounts and IFSCs in real time via dashboard bulk upload or API with our <strong><a href=\"https:\/\/www.cashfree.com\/bank-account-verification\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bank Account Verification<\/a> <\/strong>functionality. You could do the verification manually, or upload details to verify in bulk. You can also do bulk verification by <strong>enabling maker and checker flow<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-permanent-account-number-pan-verification\"><span class=\"ez-toc-section\" id=\"Permanent_Account_Number_PAN_Verification\"><\/span>Permanent Account Number (PAN) Verification<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">With <a href=\"https:\/\/www.cashfree.com\/PAN-verification\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">this addition to our verification suite<\/a>, you can verify up to 10,000 PANs instantly. You can verify the beneficiary\u2019s PAN details like the card holder\u2019s name and PAN type while onboarding employees, vendors or customers.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-aadhar-verification\"><span class=\"ez-toc-section\" id=\"Aadhar_Verification\"><\/span>Aadhar Verification<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Likewise, with <strong><a href=\"https:\/\/www.cashfree.com\/aadhaar-verification\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">Aadhar Verification<\/a><\/strong>, you can instantly verify the <strong>Aadhaar, <\/strong>along with all details like age, gender, address and the like, as you do your KYC while onboarding investors or customers on your platform.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The latest layer we\u2019ve embellished our product with is <a href=\"https:\/\/www.cashfree.com\/aadhaar-verification\/?\">OTP-based Aadhaar Verification<\/a>, which lets you do offline KYC verification by validating the registered mobile number linked with the 12-digit Aadhaar number. Talk about making Aadhar KYC simple and paperless!<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-vendor-verification-for-easy-split\"><span class=\"ez-toc-section\" id=\"Vendor_Verification_for_Easy_Split\"><\/span>Vendor Verification for Easy Split<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">It is important to have vital information about your vendors &#8211; and equally important to ensure they aren\u2019t dissatisfied. And, one primary cause of dissatisfaction is delayed settlements and payment reversals. Moreover, ensuring that vendor payments aren\u2019t fraught with fraudulent transactions is paramount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This year, we introduced <a href=\"https:\/\/www.cashfree.com\/blog\/vendor-account-verification-easy-split\/\"><strong>Vendor Verification for all our Easy Split merchants<\/strong><\/a> to help solve these problems. It allows businesses like you to check each vendor\u2019s bank account number, IFSC, name match and UPI ID, so that you can make timely and accurate payments to vendors without the risk of fraud or reversals.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-issuance-as-a-service-iaas\"><span class=\"ez-toc-section\" id=\"Issuance_as_a_Service_IaaS\"><\/span>Issuance as a Service (IaaS)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">One of our biggest launches this year has been our <strong><a href=\"https:\/\/www.cashfree.com\/card-issuance\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">Issuance as a Service stack<\/a><\/strong> &#8211; a low-code solution that lets you create your own, custom-branded card. What\u2019s more &#8211; you can launch it in physical form, a digital card, an e-wallet, or even as wearables.<br><br>So, whether it be creating your rewards program, streamlining expense management or managing employee incentives, issuance can help you set it up in as less as three weeks.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-token-vault\"><span class=\"ez-toc-section\" id=\"Token_Vault\"><\/span>Token Vault<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Regulatory compliance is central to everything we build. In line with the directives of RBI, we created <a href=\"https:\/\/www.cashfree.com\/card-tokenization\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Token Vault<\/strong><\/a> \u2013 our <a href=\"https:\/\/www.cashfree.com\/blog\/types-of-tokenization-integration\/\">Tokenization<\/a> solution, to make card payments more secure. This past year, we <strong><em>tokenised cards for businesses across all major card networks in India.<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-advances\"><span class=\"ez-toc-section\" id=\"Advances\"><\/span>Advances<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Among the many things a business needs to run successfully is affordable and easily accessible working capital. We set out to address this with our product, <a href=\"https:\/\/www.cashfree.com\/working-capital-loan\/?utm_source=year+end+blog&amp;utm_medium=blog&amp;utm_campaign=year+end\" target=\"_blank\" rel=\"noreferrer noopener\">Advances<\/a>.<br><br>Advances allows businesses to avail of loans at best-in-the-market interest rates, with minimal documentation and 100% paperless disbursals. You could also customize your repayment schedule in a way that aligns with you cash flow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-unifi\"><span class=\"ez-toc-section\" id=\"UniFi\"><\/span>UniFi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We launched UniFi this year at the Bengaluru Tech Summit 2022, as a solution for businesses to connect, consolidate, and control your finances from across banks, on a single dashboard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">UniFi can help you manage your disbursals at scale, keep an eye on your cash flows, and allow you to transact 24&#215;7, even on bank holidays, while seamlessly switching bank accounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-simplifying-cross-border-payments\"><span class=\"ez-toc-section\" id=\"Simplifying_Cross-Border_Payments\"><\/span>Simplifying Cross-Border Payments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Investing in stocks abroad is common, but it hasn\u2019t traditionally been easy for Indian investors. For the longest time, the process has involved funding accounts overseas to purchase or trade stocks. We built our <a href=\"https:\/\/www.cashfree.com\/blog\/policy-radar-bringing-convenience-to-cross-border-investing\/\">Cross-border Payments <\/a>solution to let investing platforms enable their users to buy foreign stock using local payment methods such as UPI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We demonstrated the robustness of our offering as part of the <strong>second cohort of RBI\u2019s Regulatory Sandbox.<\/strong> And, we became one of the four payment service providers in the country to have received their approval!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Partnering_for_growth\"><\/span>Partnering for growth<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This year also brought us many fruitful alliances, which will go a long way in developing synergies and creating seamless payments experiences. We built some significant business partnerships with Shopify, Zoho, Tally, Edchemy, Travclan and Wix among many others.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-event-payments-partnerships\"><span class=\"ez-toc-section\" id=\"Event_Payments_Partnerships\"><\/span>Event &amp; Payments Partnerships<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We always look up to events that encourage a spirit of innovation and resilience. Therefore, we like to mark our presence on such platforms, many times, by sponsoring and driving the events.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Events have been instrumental in cementing our presence as a potent force in Indian fintech. And, with t<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We were the <strong>Payments Partner<\/strong> for <strong>Shark Tank Season 1<\/strong> &#8211; the debut season that kicked off in December 2021 and went on to become an audience favourite. In 2023, we&#8217;re returning as the<strong> Payments Partner<\/strong> for <strong>Season 2 of Shark Tank<\/strong> <strong>India<\/strong>, that goes on air in January. Watch out for our new brand campaign!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We were also the <strong>Payments Partner <\/strong>of<strong> Global Fintech Fest 2022, <\/strong>a four-day mega event with over 7,000 attending delegates from across the world came together to discuss four pillars:  Planet, People, Prosperity, and Principles of Governance, to build a sustainable financial sector and consequently a sustainable and inclusive world.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As <strong>Payments Partner<\/strong>, we powered <strong>D2C Summit 3.0 by Inc42<\/strong>&#8211;  India\u2019s largest D2C &amp; e-commerce conference that brought together leading D2C, e-commerce and retail brands and founders to help level up their e-commerce businesses. The event featured 5000+ attendees with 75+ speakers across two days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We also became the <strong>Payments Partners<\/strong> of the <strong>Elets AatmaNirbhar Bharat Summit &amp; Awards<\/strong>, which brought together key officers and policy makers from Government of India &amp; State Governments, policy think tanks and industry leaders on a common platform to discuss issues, challenges and transformational opportunities, and build upon the clarion call given by our Hon&#8217;ble Prime Minister for the making of an AatmaNirbhar Bharat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We also drove the <strong>Fintech Session at 25th Bengaluru Tech Summit, 2022<\/strong> addressing 5,000 delegates and over 50,000 visitors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-awards-and-recognition\"><span class=\"ez-toc-section\" id=\"Awards_and_recognition\"><\/span>Awards and recognition<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This year was not only eventful, but also rewarding. We were named the <strong>Best Payment Aggregator<\/strong> at Global Fintech Fest, 2022. Further along, we also won the <strong>CXO Tech Innovation Award 2022<\/strong> for Instant Payments Disbursal<strong>.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We made it to the <strong>Deloitte India Technology Fast 50 list<\/strong> for the <strong>second<\/strong> year in a row. We also became the <strong>Finalists<\/strong> for the <strong>Fintech Startup of the Year Award<\/strong> and for the <strong>Excellence in Payments Award<\/strong> at IFTA 2022.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-our-burgeoning-family\"><span class=\"ez-toc-section\" id=\"Our_burgeoning_family\"><\/span>Our burgeoning family<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We are now a family of over <strong>842 Cashiens &#8211; <\/strong>up by <strong>148%<\/strong> since last year<strong>.<\/strong> While some of us enjoy the flexibility of working remotely, most of us are back in office and sharing some great camaraderie.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retreats, offsites, and in-house events have been instrumental in building great connections within and across teams. One such massive event was <strong>Switch On &#8211; our first organisation wide hackathon<\/strong>, designed to foster innovation and cross-team collaboration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The days of the hackathon were far too eventful and memorable to be encapsulated in mere words. But, to sum up the event in numbers, we had <strong>246 participants <\/strong>across <strong>57 teams<\/strong>, with <strong>19 mentors<\/strong> to guide them, <strong>23 volunteers<\/strong> that brought this fantastic event to life, and \u20b9<strong>6.75 lakh in prizes<\/strong> given to our hackathon and contest winners.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We also had a <strong>session for women<\/strong> under #IAmRemarkable, an initiative by Google which motivated them to celebrate their work achievements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Along with growth, this year brought us opportunities to take our footprints to newer locations. We set up a <strong>new office at DLF CyberCity, Gurgaon (Delhi NCR)<\/strong> which is now functional for teams operating out of Delhi. We also recently inaugurated a new office in the <strong>Mangaluru<\/strong> cluster. For <strong>Mumbai<\/strong> folks, we got a new workplace at <strong>BKC<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-giving-back-to-the-community\"><span class=\"ez-toc-section\" id=\"Giving_back_to_the_community\"><\/span>Giving back to the community<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve always given immense importance to contributing to social causes. This year, we partnered with Many Hands, an NGO that works for child health and welfare. With this partnership, we hope to make a difference in the lives of the young, and giving them a shot at building healthy, productive and prosperous future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019re also kicking off a new initiative in the year to follow to celebrate Cashiens while going green. On the birthday of each employee, we\u2019ll plant a tree in their name &#8211; a legacy that will live on, and benefit both present and future generations.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-in-the-news\"><span class=\"ez-toc-section\" id=\"In_the_news\"><\/span>In the news<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"770\" height=\"2517\" data-attachment-id=\"14353\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/rundown-2022-cashfree-payments-milestones-memories\/collage_blog\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/Collage_Blog.jpg?fit=1200%2C3923&amp;ssl=1\" data-orig-size=\"1200,3923\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Collage_Blog\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/Collage_Blog.jpg?fit=313%2C1024&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/Collage_Blog.jpg?resize=770%2C2517&#038;ssl=1\" alt=\"\" class=\"wp-image-14353\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/Collage_Blog.jpg?w=1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/Collage_Blog.jpg?resize=92%2C300&amp;ssl=1 92w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/Collage_Blog.jpg?resize=313%2C1024&amp;ssl=1 313w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/Collage_Blog.jpg?resize=768%2C2511&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2022\/12\/Collage_Blog.jpg?resize=470%2C1536&amp;ssl=1 470w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-wrapping-up\"><span class=\"ez-toc-section\" id=\"Wrapping_up\"><\/span>Wrapping up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2022 has been quite the roller coaster ride &#8211; one full of lessons, achievements, and lots of memories. The year has endowed us with wisdom, resolve, and motivation, to scale even greater heights.<br><br>We stand at the threshold of the new year, stronger, wiser, and more resolute than ever before &#8211; ready to bring the best of fintech and banking to the businesses that we celebrate and are so proud to serve.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2023, here we come!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2022 has been quite the roller coaster ride &#8211; one full of lessons, achievements, and lots of memories. 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