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.
₹250 Cr
Monthly GTV
8
Core Payment Rails
20+
Banking & Fintech Partners
20,000+
Active Merchants
15+ Years
Distribution Excellence Since 2011
₹250 Cr
Monthly GTV
8
Core Payment Rails
20+
Banking & Fintech Partners
20,000+
Active Merchants
15+ Years
Distribution Excellence Since 2011
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.
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
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
20,000+ 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.
20,000+
Active Merchants
₹250 Cr
Monthly Transaction GTV
5L+
Monthly Transaction
20+
Banking Partners
15+ Years
Distribution Experience
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.
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.
Looking for travel bookings?
Flight, hotel and bus bookings are a separate business line with their own page.
Working with Licensed Partners
Services delivered through licensed partners
Why Banks & Financial Institutions Integrate
Expand banking presence into areas where physical branches are unviable.
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.
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 outlet geo-tagging.
Terminal Activation
Device binding, security credential issuance, and service 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 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
Instant fund movement & reconciliation.
Licensed Partner Network
Services delivered through licensed partners.
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 20,000+ active merchants already operating on NPay India.
Registration is streamlined. Get onboarded with verified compliance.