⬤ SERVICES DELIVERED THROUGH LICENSED PARTNERS

Payment Infrastructure for Bharat

NPay India connects India's banking core to merchants and distributors across Tier-2, Tier-3, and rural districts via robust payment rails — powering BBPS, Payouts, QR & CMS.

NPay India Digital Payment Network Map

₹250 Cr

Monthly GTV

Live Payment Rails

8

Core Payment Rails

20+

Banking & Fintech Partners

20,000+

Active Merchants

15+ Years

Distribution Excellence Since 2011

About NPay India - Digital Payment Infrastructure
ABOUT NPAY INDIA

20,000+ Merchants. ₹250 Cr Monthly GTV. 20+ Banking & Fintech Partners.

NPay India — a flagship brand of NPay Technologies Pvt. Ltd. — was built with a single vision: to bring robust, real-time payment infrastructure to every corner of India, especially Tier-2, Tier-3 cities, and rural districts.

Services are delivered through licensed partners and our physical-digital distribution network, empowering merchants, distributors, and financial institutions.

Join as a merchant or distributor to serve your region.

Or partner as a bank or service provider to expand last-mile reach.

OUR JOURNEY

From a Single CSP toBharat's Payment Infrastructure

NPay India was founded on a steadfast conviction — every citizen across Tier-2, Tier-3, and rural India deserves uninterrupted access to banking and payment rails. The business has operated since 2011, first as a proprietorship. NPay Technologies Pvt. Ltd. was incorporated on 31 May 2022.

SBI CSP

2011

The first counter

NPay begins as a single service point bringing basic banking to customers far from the nearest branch.

Retailers Network

2015

A network takes shape

One counter becomes many. Retailers are appointed town by town, proving that reach in Bharat is built through partners, not branches.

Launched NPAY

2018

One platform, many services

Bill payments and recharge come together under the NPay brand - one interface for everything a retailer offers.

Scaled rapidly

2022

NPay Technologies Pvt. Ltd.

The business is formalised as a private limited company, consolidating the network, the platform and its banking relationships under one entity.

Trusted Infrastructure

2026

At national scale

20,000+ merchants across 10+ states transacting every day, on 8 rails, settled in real time.

Pardeep Kumar Yadav, Chairman of NPay India

Pardeep Kumar Yadav

Chairman & Founder

NPay Technologies Pvt. Ltd.

NPAY AT A GLANCE

Built for Scale. Driven by Trust.

Active Retailers

20,000+

Active Merchants

Monthly Transaction Value

₹250 Cr

Monthly Transaction GTV

Monthly Transaction Count

5L+

Monthly Transaction

Banking Partners

20+

Banking Partners

Distribution Experience

15+ Years

Distribution Experience

Uptime & Reliability

99.90%

Uptime & Reliability

OUR PAYMENT RAILS

Core Payment Rails for Bharat

From retail utility payments to institutional cash management — NPay India operates robust payment rails connecting India's banking core to grassroots merchants.

BBPS (Bill Payments)

Bharat Bill Payment System — Nationwide bill collection covering electricity, water, gas, FASTag, and DTH.

🏬 Merchant:Become your locality's one-stop utility bill payment destination.
🏦 Bank / Partner:BBPS bill collection delivered through licensed partners.

QR Payments (UPI)

Static & dynamic UPI QR codes supporting all national UPI apps with instant settlement notifications.

🏬 Merchant:Zero-hardware instant UPI payment acceptance at your shop.
🏦 Bank / Partner:Rapid merchant acquiring across Tier-2/3 retail counters.

CMS (Cash Management)

Enterprise cash collection, NBFC loan EMI collection, and corporate cash management network.

🏬 Merchant:Collect loan EMIs & insurance premiums and earn a commission.
🏦 Bank / Partner:Same-day physical-to-digital cash pooling & reconciliation.

Looking for travel bookings?

Flight, hotel and bus bookings are a separate business line with their own page.

Go to Travel

Working with Licensed Partners

Services delivered through licensed partners

Fingpay
Finkeda
VimoPay
SUPPLY-SIDE DISTRIBUTION

Why Banks & Financial Institutions Integrate

Expand banking presence into areas where physical branches are unviable.

Bank Integration 3D Illustration

LAST-MILE DISTRIBUTION

Access 20,000+ verified merchant points across Tier-2, Tier-3, and rural districts without physical capex.

LICENSED PARTNER NETWORK

Services delivered through licensed partners, with seamless transaction processing and reconciliation.

VERIFIED MERCHANT KYC

Every merchant is KYC-verified with Aadhaar and PAN checks, outlet geo-tagging, risk scoring, and biometric authorization.

ONBOARDING & VERIFICATION

Verified Onboarding. Built for Trust.

Multi-tier compliance ensuring every merchant and distributor terminal operates with full regulatory integrity.

01

Merchant Registration

Submit business credentials, Aadhaar, PAN, and shop location details through our secure digital portal.

02

Verification & Penny Drop

Automated bank account validation via penny-drop, risk-scoring, and outlet geo-tagging.

03

Terminal Activation

Device binding, security credential issuance, and service activation.

04

Live Operations & Support

Start processing BBPS, QR Payments, and Payouts transactions with real-time settlement and dedicated helpdesk support.

INSTITUTIONAL PARTNERSHIP

Why Fintech & Enterprise Providers Choose NPay

Fintech Banking Infrastructure

READY DISTRIBUTION FOOTPRINT

Deploy financial products, micro-insurance, and collections across 20,000+ active merchant counters.

HIGH-AVAILABILITY RAILS

Operating 8 core payment rails with 99.90% uptime SLA and automated failover.

ENTERPRISE CASH POOLING

Leverage our CMS distribution network for instant loan EMI collections, corporate recovery, and digital audit trails.
WHY NPAY INDIA

Built for Scale, Speed & Security

NPay India delivers services through licensed partners, connecting merchants and financial institutions with high-availability transaction routing.

Licensed Partners

Services delivered through licensed partners.

Real-time Settlement

Real-time Settlement

Instant fund movement & reconciliation.

Licensed Partner Network

Licensed Partner Network

Services delivered through licensed partners.

Rural India Ready

Rural India Ready

Optimized for Tier-2 & village networks.

Live Dashboard

Live Dashboard

Real-time analytics & reports.

24/7 Support

24/7 Support

Hindi & English dedicated support.

GET STARTED TODAY

Ready to Build Your Payment Business?

Join 20,000+ active merchants already operating on NPay India.

Registration is streamlined. Get onboarded with verified compliance.