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12+ Payment Services
Under One Roof

From money transfers to biometric banking — PIYOPAY covers every financial service your customers need, all from a single dashboard.

All Services
Banking
Payments
KYC & Identity
Management
💸
Domestic Money Transfer
IMPS / NEFT

Send money instantly to any bank account across India. IMPS-powered real-time transfers with robust retry and auto-refund mechanisms.

Transfer to any Indian bank account
Real-time IMPS transfers 24×7
Up to ₹50,000 per transaction
Instant confirmation SMS
Auto-refund on failure within 2 hrs
🏦
AEPS Services
Biometric

Aadhaar Enabled Payment System allowing customers to withdraw cash, check balance and get mini statements using fingerprint authentication.

Cash withdrawal via biometric
Balance enquiry & mini statement
Aadhaar to Aadhaar fund transfer
Works without debit card
RD device compatible (Mantra, Startek)
🏧
Micro ATM
Card + PIN

Portable card-swipe terminal enabling debit card cash withdrawals at any retail point — bringing ATM functionality to every neighbourhood.

All bank debit card withdrawals
Balance enquiry & mini statement
RuPay, Visa, Mastercard supported
Compact BLE/USB device support
Offline transaction buffering
📋
BBPS Bill Payments
200+ Billers

Bharat Bill Payment System — pay electricity, gas, water, broadband, insurance premiums and 200+ billers across India instantly.

Electricity (all DISCOMs)
Gas, water & piped utilities
Broadband & landline bills
Insurance premium payments
Instant receipt generation
📱
Mobile Recharge
All Operators

Prepaid and postpaid recharges for all Indian operators — Jio, Airtel, Vi, BSNL, MTNL — with instant confirmation and best market commissions.

All prepaid & postpaid operators
Instant activation confirmation
Special plans & offer catalogue
Bulk recharge for retailers
Data card & dongles supported
Utility Payments
DTH / FASTag

DTH recharge (Tata, Dish, Airtel, Sun), FASTag top-up, EMI collections, school fee payments and more under one unified platform.

All DTH operators (Tata, Dish, Sun, Airtel)
NHAI FASTag recharge
EMI & loan payment collection
Municipal & government dues
School & education fee payments
🪪
PAN Services
NSDL / UTI

Full suite of PAN card services including new application, correction/update, e-PAN download, and real-time application status tracking.

New PAN card application
PAN correction & reprinting
Instant e-PAN download
Application status tracking
Both NSDL & UTI ITSL portals
🔐
Aadhaar Enabled Services
UIDAI API

Comprehensive Aadhaar services powered by official UIDAI APIs — eKYC, demographic auth, Aadhaar Pay and OTP-based verification.

Aadhaar OTP-based eKYC
Biometric KYC verification
Aadhaar Pay transactions
Demographic authentication
UIDAI compliant & certified
KYC Management
Automated

End-to-end automated KYC pipeline with Aadhaar OTP, VKYC, document verification, liveness detection and centralized compliance dashboard.

Aadhaar OTP & biometric eKYC
Video KYC (VKYC) support
Liveness & face-match detection
Document OCR & verification
Compliance audit dashboard
🏢
Distributor Management
Enterprise

Complete distributor lifecycle management platform — from onboarding to wallet funding, commission management and territory analytics.

Multi-level distributor hierarchy
Territory & zone management
Wallet funding & transfers
Commission slab configuration
Performance analytics dashboard
🛒
Retailer Network Platform
50K+ Retailers

Complete retailer management — activation, KYC, service enablement, incentive programs and a dedicated mobile app for field operations.

Retailer onboarding & activation
Service permissions management
Performance incentive programs
Dedicated Android retailer app
Geo-tagging & field tracking
👛
Wallet Management
Real-time

Multi-tier digital wallet system with instant fund transfers, real-time balance updates, auto-refill rules and secure escrow mechanisms.

Multi-level wallet hierarchy
Instant inter-wallet transfers
Auto low-balance alerts
Auto-refill rules configuration
Secure escrow mechanisms
Earnings

Commission Structure

Transparent, competitive commissions credited instantly to your PIYOPAY wallet.

Service Retailer Commission Distributor Override Settlement
Domestic Money Transfer (DMT)Up to 0.8% per txn0.1–0.2%Instant
AEPS Withdrawal₹3–12 per txn₹1–3Instant
Micro ATM Withdrawal₹5–15 per txn₹2–5Instant
BBPS Bill PaymentsUp to ₹15 per bill₹2–5Instant
Mobile RechargeUp to 3%0.3–0.5%Instant
DTH RechargeUp to 2.5%0.3–0.5%Instant
FASTag Recharge₹10–20 per txn₹3–5Instant
PAN Card Application₹20–60 per application₹10–20Daily
Aadhaar Services₹5–25 per service₹2–8Daily

* Commission rates are indicative and subject to volume slabs. Final rates communicated during onboarding.

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