Abstract: Embodiments provide method and systems for determining connectivity information of payment network for a reliable payment transaction. The method includes receiving a connectivity information request before performing a payment transaction via payment network. The method includes generating a connectivity check message including a plurality of connectivity status flags associated with payment entities in payment network. The method includes sending the connectivity check message to the payment entities in a predefined sequence of a payment transaction flow in the payment network. The method further includes facilitating setting up the plurality of connectivity status flags based on a successful communication of the connectivity check message between the payment entities in the predefined sequence. The method includes determining if each of the plurality of connectivity status flags is set with the success state.

Abstract: Embodiments provide method and systems for determining connectivity information of payment network for a reliable payment transaction. The method includes receiving a connectivity information request before performing a payment transaction via payment network. The method includes generating a connectivity check message including a plurality of connectivity status flags associated with payment entities in payment network. The method includes sending the connectivity check message to the payment entities in a predefined sequence of a payment transaction flow in the payment network. The method further includes facilitating setting up the plurality of connectivity status flags based on a successful communication of the connectivity check message between the payment entities in the predefined sequence. The method includes determining if each of the plurality of connectivity status flags is set with the success state.

Abstract: Embodiments provide methods and systems of enabling an electronic payment from a merchant device using customer credential when a customer does not have mobile device or card with him. The customer enters customer credential, associated with a customer wallet, on a merchant wallet application accessible in the merchant device. The customer credential and merchant credential are transmitted to a server system associated with a payment network. The server system validates the customer credential, generates and transmits a pull payment request to a customer wallet server for approval of the payment request for transferring funds from customer wallet to the merchant wallet. After the approval, the server system transmits the successful payment response to the merchant device.

Abstract: Embodiments provide method and systems for determining connectivity information of payment network for a reliable payment transaction. The method includes receiving a connectivity information request before performing a payment transaction via payment network. The method includes generating a connectivity check message including a plurality of connectivity status flags associated with payment entities in payment network. The method includes sending the connectivity check message to the payment entities in a predefined sequence of a payment transaction flow in the payment network. The method further includes facilitating setting up the plurality of connectivity status flags based on a successful communication of the connectivity check message between the payment entities in the predefined sequence. The method includes determining if each of the plurality of connectivity status flags is set with the success state.

Abstract: The disclosure herein describes processing transactions from multiple users as installment transactions based on an installment plan. A first transaction associated with a first user is received. The transaction includes an installment indicator and a transaction value, the installment indicator indicating that an installment plan is requested, and wherein the transaction value is less than a total value threshold required to qualify for the installment plan. At least one second transaction associated with at least one second user is identified associated with the installment plan. Based on a sum of the transactions exceeding the total value threshold, the first transaction is associated with the at least one second transaction as an installment transaction set associated with the installment plan. The installment transaction set is then provided for processing as installment transactions.