RBI Regulated & Secure — All AEPS, DMT, BBPS, UPI & Wallet services are offered through RBI-licensed bank partners as per applicable RBI/NPCI guidelines. View Guidelines →
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Powering Digital India with Smart Financial Solutions

We offer a wide range of secure, reliable and innovative financial services to help businesses and individuals grow digitally.

AP Fintech services device showing AEPS, DMT, BBPS and UPI
AEPS
Aadhaar Enabled Payment System for secure cash withdrawal, balance inquiry & more.
RBI Guideline: Per the RBI AePS Due-Diligence Directive, daily cash withdrawal is capped at ₹25,000 and fund transfer at ₹50,000/txn, with mandatory Aadhaar biometric authentication.
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DMT
Domestic Money Transfer with 24x7 availability and real-time settlement.
RBI Guideline: As per RBI's Domestic Money Transfer framework, cash pay-out is capped at ₹10,000/txn (₹25,000/month) with mandatory remitter KYC & OTP-based authentication.
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BBPS
Bharat Bill Payment System for all bill payments in a single platform.
RBI Guideline: Operated under NPCI's RBI-mandated Bharat BillPay framework; agents must complete KYC (PAN + Aadhaar) via an authorized Agent Institution before onboarding.
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Mobile Recharge
Instant mobile, DTH, datacard & utility recharges.
RBI Guideline: Processed as a merchant bill-payment service under RBI-aligned payment aggregator norms; retailer KYC is mandatory before activation.
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Micro ATM
Turn your device into an ATM and offer banking services anywhere.
RBI Guideline: Functions under RBI's Business Correspondent guidelines; cash withdrawal is capped at ₹10,000/txn with biometric or PIN-based authentication.
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UPI Services
UPI Collect, Transfer, Payouts and more with high success rate.
RBI Guideline: Governed by NPCI/RBI UPI guidelines — standard transactions are capped at ₹1,00,000/day (up to 20 txns), with higher limits for select merchant categories.
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API Solutions
API Solutions
Powerful APIs to integrate our services into your platform seamlessly.
RBI Guideline: Integrations route through RBI-regulated bank/PA partners with PCI-DSS grade security and RBI-mandated payment data localization.
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CMS
Cash Management Services for businesses and enterprises.
RBI Guideline: Cash handling follows RBI's Business Correspondent cash-management norms, including daily reconciliation and audit trails.
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Aadhaar Pay
Accept Payments using Aadhaar authentication with ease.
RBI Guideline: Covered under the same RBI AePS due-diligence directive as AEPS — Aadhaar biometric authentication is mandatory and daily limits mirror AEPS caps.
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Payout API
Automate payouts to bank accounts via secure and fast APIs.
RBI Guideline: Disbursements route through RBI-authorized bank/payment-aggregator rails and are subject to AML monitoring & beneficiary KYC checks.
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Wallet Solution
White-label wallet solution for businesses and startups.
RBI Guideline: Issued under RBI's Master Directions on PPIs — Full-KYC wallets allow up to ₹2 lakh outstanding/monthly debit, with cash loading capped at ₹10,000/month.
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Support Services
24x7 customer support to help you at every step of the way.
RBI Guideline: Unresolved grievances can be escalated per RBI's Integrated Ombudsman Scheme for Digital Transactions.
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