Retail Platform

Banking & VAS services | Join us as CSP (Customer Service Point) and 
start providing banking & VAS services in your neighborhood.

Our Retail Offering

Aadhaar Enable Payment System (AEPS)

Aadhaar Enabled Payment System (AEPS) was launched by NPCI to enable bank customers to use Aadhaar as their identity to access their Aadhaar enabled bank account. Using AEPS the bank account holder can perform basic banking transactions like cash deposit, cash withdrawal, fund transfer, balance enquiry and also to obtain a mini statement. PayMonk AEPS can be availed by retailers across the country to provide last-mile services to bank customers at their doorstep.

Domestic Money Transfer (DMT)

Fund transfers are made simple with Cash to Account through DMT. PayMonk has partnered with multiple Banks to provide Domestic Money Transfer service to meet the remittance needs of migrant workers in India. The product is designed to provide on ground services through Business Correspondent (BC)/ Agents to end users. Remitter pays cash to the BC/ Agent and the same is transferred to the beneficiary bank account through PayMonk payments platform. The facility is available 24x7x365 days through IMPS Technology.

Bill Payment

Bharat Bill Payment System (BBPS) is an integrated bill payment system offering inter-operable bill payment service to customers through a network of PayMonk BC/ Agents enabling multiple payment modes, and providing instant confirmation of payment. The entire mechanism is routed through NPCI to undertake clearing and settlement activities related to transactions routed through BBPS. Payments may be made through the BBPS using cash, transfer cheques, and electronic mode.


Our recharge facility is available for all pre-paid accounts such as prepaid mobile phone and DTH. Our CSP can recharge any phone of all the operators across India, similarly, DTH prepaid accounts can be topped from all operators across India. You can also enjoy the latest offers by operators. Millions of users have availed PayMonk Mobile/ DTH recharge facility through our network of agents.

Micro ATM

Now customers can draw cash from their nearby retailers using Micro ATM devices. No need to worry about closed ATMs, no cash at ATM or no ATM around. Just walk into any PayMonk agent in the neighbourhood and customers can draw cash from their debit cards by swiping their debit cards and entering PIN. Customer does not have to pay any service charge, whereas, BC/Agent gets commission for providing cash to bank customers.


PayMonk offers loans through its CSP network, through its NBFC partners. PayMonk CSPs can avail loans for themselves to provide AEPS cash withdrawal services or for expanding their business. Also CSPs can offer personal loan, vehicle loan or business loan in their neighbourhood and can earn handsome commissions. CSP has to generate enquiries, fill up the form on behalf of customers and submit the form to PayMonk.

Value Added Services

Enjoy Our Host of Financial & Non Financial Value Added Services at a Click of Button

Digital Financial Transaction Platform

Powered with all features required by small to large aggregators

Secure & Compliant

PCI – DSS Compliant and as per Regulatory Guidelines.

Cross Platform Support

Platform works across Online Payment Gateway, POS Devices & Analytics Engine.

Easy Maintenance

Can be easily maintained by your team. No vendor dependence.