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.
₹500 Cr+
Monthly GTV
8
Core Payment Rails
50+
Banking & Fintech Partners
500+
Towns & Cities Connected
15+ Years
Distribution Excellence Since 2011
₹500 Cr+
Monthly GTV
8
Core Payment Rails
50+
Banking & Fintech Partners
500+
Towns & Cities Connected
15+ Years
Distribution Excellence Since 2011
30,000+ Merchants. ₹500 Cr+ Monthly GTV. 50+ 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.
We operate direct banking rails and a vast physical-digital distribution network to empower 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. Npay formalised as a pvt ltd company in 2021 but operating under proprietorship firm since 2011
2011
The first counter
NPay begins as a single service point bringing basic banking to customers far from the nearest branch.
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.
2018
One platform, many services
Cash withdrawal, Travel Bookings, bill payments and recharge come together under the NPay brand - one interface for everything a retailer offers.
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.
2026
At national scale
30,000+ merchants across 10+ states transacting every day, on 8 rails, settled in real time.
Pardeep Kumar Yadav
Chairman & Founder
NPay Technologies Pvt. Ltd.
NPAY AT A GLANCE
Built for Scale. Driven by Trust.
30,000+
Active Merchants
₹500 Cr+
Monthly Transaction GTV
7L+
Monthly Transaction
50+
Banking Partners
3,000+
Districts Covered
99.90%
Uptime & Reliability
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.
Travel (Ticket & Hotel Bookings)
Flight, bus and hotel bookings made at local merchant points for customers who prefer assisted, cash-friendly booking.
QR Payments (UPI)
Static & dynamic UPI QR codes supporting all national UPI apps with instant settlement notifications.
CMS (Cash Management)
Enterprise cash collection, NBFC loan EMI collection, and corporate cash management network across 3,000+ districts.
Connected with Direct Bank Integrations
Operating on regulated sponsor bank rails and NPCI frameworks
Why Banks & Financial Institutions Integrate
Expand banking presence into 3,000+ districts where physical branch economics and direct BC operations are unviable.
LAST-MILE DISTRIBUTION
Access 30,000+ verified merchant points across Tier-2, Tier-3, and rural districts without physical capex.
DIRECT SPONSOR SETTLEMENT
Seamless transaction processing, automated clearing, and regulatory-compliant daily settlement with sponsor banks.
VERIFIED MERCHANT KYC
Every merchant is KYC-verified with physical shop verification, risk scoring, and biometric authorization.
Verified Onboarding. Built for Trust.
Multi-tier compliance ensuring every merchant and distributor terminal operates with full regulatory integrity.
Merchant Registration
Submit business credentials, Aadhaar, PAN, and shop location details through our secure digital portal.
Verification & Penny Drop
Automated bank account validation via penny-drop, risk-scoring, and physical outlet verification.
Terminal Activation
Device binding, security credential issuance, and sponsor bank rail access activation.
Live Operations & Support
Start processing BBPS, QR Payments, and Payouts transactions with real-time settlement and dedicated helpdesk support.
Why Fintech & Enterprise Providers Choose NPay
READY DISTRIBUTION FOOTPRINT
HIGH-AVAILABILITY RAILS
ENTERPRISE CASH POOLING
Built for Scale, Speed & Security
NPay India operates on direct banking rails, connecting merchants and financial institutions with high-availability transaction routing.
Direct Bank Rails
Direct clearing with sponsor banks.
Real-time Settlement
Instant fund movement & reconciliation.
Sponsor Bank Direct Rails
Operating on regulated sponsor bank frameworks.
Rural India Ready
Optimized for Tier-2 & village networks.
Live Dashboard
Real-time analytics & reports.
24/7 Support
Hindi & English dedicated support.
Ready to Build Your Payment Business?
Join 30,000+ active merchants already operating on NPay India.
Registration is streamlined. Get onboarded with verified compliance.