BBPS & NPCI Network: 99.98% Live | AePS 24x7 Settlement: Operational
PCI-DSS Level 1 & ISO 27001 Compliance Desk
Institutional-Grade FinTech & Digital Payment Grid

Empowering Bharat with Next-Gen FinCorp Infrastructure

ReffersPay FinCorp unites AePS branchless banking, BBPS utility settlements, domestic money transfers, and zero-risk digital consumer rewards on a secure, bank-grade rails architecture.

Member Login Create Free Account

Explore solutions · Calculate earnings

₹450Cr+
Annual Volume
2.4M+
Active Consumers
50,000+
Retail Touchpoints
99.98%
Core SLA Uptime
9:415G ▮▮▮
Welcome backMember
Wallet balance
₹84,350.25
▲ ₹1,450 today KYC verified
＋Add money ➤Send ⇩Withdraw
Pay & recharge
Mobile
DTH
Electricity
FASTag
Broadband
Bill pay
Landline
Transfer
Recent activity
✓
Electricity billCashback +₹75 credited
−₹2,450
⇄
Bank transferIMPS · settled
−₹5,000
⌂Home ▦Services ◔History ☺Profile
✓
Payment successfulBBPS · instant
★
Rewards earnedOn every bill

Illustrative preview of the member app

One app, every payment

Recharge, pay bills and send money from one wallet

Pick a service, enter the details and pay from your ReffersPay wallet. More services are being added.

Mobile DTH Bill Pay Electricity Broadband Landline FASTag Money Transfer AePS
SoonDigital Wallet
SoonData Card
SoonWater
SoonGas
SoonCredit Card
SoonFees
SoonInsurance
SoonLoan
SoonTaxes
SoonCable TV
SoonHotel
SoonFlight
SoonBus
Get started

Up and running in three steps

1

Create your account

Register with your mobile number and email, then sign in to your member portal.

Create account →
2

Add funds

Request a top-up to your funds wallet and keep it ready for recharges and bill payments.

Open wallet →
3

Pay, earn and grow

Pay bills and recharge in a few taps, earn rewards, and share your referral link to grow your team.

See what you can earn →
Member login Create free account
Unified FinCorp Architecture

Comprehensive Financial Services Suite

Whether you are an individual managing family utility bills, a retail store owner becoming a local digital banking point, or an enterprise seeking scalable payout APIs, ReffersPay FinCorp delivers.

AePS Banking
Banking Point

AePS & Micro-ATM

Transform any retail counter into a digital banking outlet. Customers can withdraw cash, check bank balances, and obtain mini-statements using fingerprint biometric authentication.

  • Instant interoperable cash withdrawal
  • Highest retail commission slabs in India
  • Aadhaar Pay for high-ticket purchases
Learn More & Commission Slabs →
BBPS Electricity
BBPS Central Grid

BBPS & Utility Settlements

Connected to the Bharat Bill Payment System (BBPS) central clearing switch. Clear 20,000+ billers including electricity, piped gas, water, broadband, FASTag, and DTH.

  • Real-time automated bill fetch & receipt
  • Zero convenience fee with instant cashback
  • National FASTag instant toll recharge
Explore BBPS Coverage →
Money Transfer
Direct Bank Payouts

Money Transfer (DMT)

Send cash directly to any bank account in India 24 hours a day, 365 days a year, even on bank holidays. Powered by high-speed IMPS & NEFT banking pipelines.

  • Instant bank name verification before transfer
  • High monthly transaction limits for merchants
  • Automatic rollback protection for pending txns
DMT Routing & Limits →
Merchant QR
Merchant Point POS

Merchant QR & Soundbox

Next-generation audio-assisted UPI payment verification. Accept payments from Google Pay, PhonePe, Paytm, and BHIM with immediate multi-lingual voice alerts.

  • 0% MDR on UPI payments for small merchants
  • Same-day or instant settlement to bank
  • 4G SIM & Wi-Fi enabled soundbox hardware
Order Merchant Terminal →
Micro Credit
Financial Inclusion

Credit & Insurance

Extending institutional credit lines to underserved retailers and consumers. Paperless digital loans, two-wheeler insurance, and health coverage in under 3 minutes.

  • Working capital credit for retailers up to ₹5 Lakh
  • IRDAI licensed general & health partners
  • Instant policy generation via API
Credit Eligibility Details →
Developer APIs
FinCorp Cloud

Enterprise Banking APIs

Integrate our battle-tested financial infrastructure directly into your ERP, e-commerce platform, or fintech app. Complete with sandboxes and webhooks.

  • Bulk payouts API with sub-second settlement
  • PAN, Aadhaar, and Bank Account Penny Drop
  • 99.99% SLA uptime commitment
API Documentation & Sandbox →
Transparent Financial Forecast

Interactive Earnings & Savings Estimator

Discover how much you can save as an active user, or how much monthly revenue you can generate as a registered ReffersPay FinCorp retail banking point.

Consumer Mode

Personal Utility & Reward Yield

₹
₹6,000
₹1,000 ₹15,000 ₹30,000+
3 tasks/day
1 task 8 tasks 15 tasks
Estimated Monthly Yield
₹1,770
Directly withdrawable to UPI
Projected Annual Savings
₹21,240
Based on real cash payouts
Download ReffersPay App & Start Saving
Business / Retailer Mode

Retailer Banking Point Commission

💼
25 txns/day
15 txns/day
30 txns/day
Estimated Monthly Revenue
₹17,625
Credited instantly to bank wallet
Annualized Store Profit
₹2,11,500
Zero inventory risk
Apply for FinCorp Retailer Franchise
Live Simulator

Experience Instant BBPS Clearing

Test how our real-time reconciliation engine handles a live bill payment, clears with the NPCI switch, and returns confirmation in milliseconds.

Select Sample Biller
Ready to initiate BBPS settlement
Switch: LIVE_NP_01
Bank-Grade Resilience

Secured to the
Highest Financial Standards

In digital finance, security is the foundation of every relationship. ReffersPay FinCorp adheres strictly to Reserve Bank of India (RBI) payment guidelines, NPCI operational standards, and ISO 27001 data protection protocols.

🔒

256-Bit Military Grade AES Encryption

All sensitive transactions and customer credentials are encrypted in-transit (TLS 1.3) and at-rest within tier-4 Indian data centers.

🛡️

PCI-DSS Level 1 & ISO/IEC 27001 Certified

Independently audited infrastructure guaranteeing zero unauthorized data leakage or unauthorized account tampering.

⚡

Zero-Liability Consumer Protection

24x7 automated fraud velocity checks, instant OTP multi-factor challenge, and immediate reversal for disputed switch transactions.

Read Detailed Security Architecture & Disclosures →
🏛️

Regulatory Framework Compliance

Fully legal, licensed, and registered operations in India

NPCI & BBPS Registered Rails COMPLIANT
RBI Digital Payment Security Guidelines VERIFIED
Data Localization (Stored Exclusively in India) 100% IN-INDIA
No Multi-Level Marketing (MLM) or Crypto Trading STRICT ZERO
Designated Grievance Redressal Officer ACTIVE
Need corporate diligence or compliance documentation?
Contact Compliance & Legal Desk →

Integrated with Premier Indian Banking Infrastructure & Central Switches

NPCI Bharat BillPay
State Bank of India
HDFC Bank
ICICI Bank
Axis Bank
Yes Bank
Available for Android & Web

Start Transacting & Earning with
ReffersPay FinCorp Today

Join over 2.4 Million consumers and 50,000 retail entrepreneurs who trust ReffersPay for zero-delay utility settlements and dependable cash rewards.

Get it on Google Play Open Web App
ReffersPay FinCorp Mobile Interface