Why schools shouldn't use shared fee wallets

When a SaaS platform pools school fees into its own merchant account, schools inherit settlement delays, reconciliation pain, and regulatory risk.

PrismSwift takes a different approach: each school connects its own UPI ID, Razorpay keys, or Stripe Connect account. Payment intents are created against the school's credentials. Funds never pass through PrismSwift.

That means faster settlement, clearer audit trails, and a product relationship based on software — not custody.