Enterprise FinTech Catalog

FinCorp Solutions &
Banking Infrastructure

From micro-ATM cash withdrawals in remote panchayats to automated national bill clearing and enterprise bulk disbursements, ReffersPay FinCorp delivers unified financial agility.

AePS & Banking Points BBPS & Utilities Money Transfer (DMT) Merchant Soundbox & QR Micro-Credit & Insurance Developer APIs

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AePS & Micro-ATM Cash Points

Aadhaar Enabled Payment System (AePS) empowers retail merchants to offer branchless banking services. Customers with any Aadhaar-linked bank account can withdraw money, view mini statements, and transfer funds with just their fingerprint.

✓ Zero Capital Risk: Merchants use their daily store cash floats to service customer withdrawals, receiving immediate bank credit with attractive transaction commissions.

✓ Interoperable with all 140+ Indian Banks: Works with SBI, PNB, Bank of Baroda, HDFC, ICICI, Gramin Banks, and Post Payment Bank.

✓ Full RD Device Integration: Certified support for Mantra MFS100, Morpho 1300 E3, Startek FM220, and Bluetooth Micro-ATMs.

Apply for AePS Merchant ID View Commission Slabs →

Retailer AePS Commission Slab

Live Rates

Transaction Range	Settlement Mode	Retailer Commission
₹100 - ₹499	Instant Wallet	₹0.50
₹500 - ₹999	Instant Wallet	₹2.00
₹1,000 - ₹1,499	Instant Wallet	₹3.50
₹1,500 - ₹2,999	Instant Wallet	₹5.50
₹3,000 - ₹10,000	Instant Wallet	₹10.00 - ₹13.00
Mini-Statement Enquiry	Instant Wallet	₹1.50 flat

*Commissions are credited in real-time and transferable to bank account anytime via IMPS.

Electricity

75+ Discoms

FASTag Toll

All National Banks

Piped Gas & LPG

IGL, MGL, Adani

Water Utilities

Municipal Boards

DTH & Cable TV

Tata Play, Airtel, Dish

Broadband & Landline

Jio, Airtel, BSNL

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Bharat BillPay (BBPS) Central Grid

Integrated directly with NPCI’s Bharat Bill Payment System, our clearing engine enables instantaneous bill fetching, automated due date reminders, and zero-fee settlement across 20,000+ national billers.

✓ Digital Verification: Real-time validation of consumer accounts against state discom and municipal utility databases.

✓ Dispute Management Engine: Full end-to-end complaint redressal mechanism with NPCI transaction tracking IDs.

✓ Consumer Cashback: Every bill payment unlocks smart reward coins redeemable for cash discounts on future settlements.

Pay Bills on ReffersPay App

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Domestic Money Transfer (DMT)

A lifeline for migrant workers, families, and rural enterprises. ReffersPay FinCorp DMT enables cash-in to any Indian bank account within seconds, even when bank branches are closed on Sundays or holidays.

✓ Account Name Penny Drop Verification: Validates beneficiary name directly against banking records before debiting cash.

✓ High Transaction Ceilings: Tier-2 KYC allows up to ₹25,000 per remitter per month, with enterprise multi-sender modes.

✓ Dual Routing Redundancy: Intelligent failover automatically re-routes payments via alternate banking switches if one bank network is slow.

Activate DMT at your Store

Instant DMT Routing Architecture

1. Remitter Cash In at Retailer Point OTP Secured

2. Automated Penny Drop Name Check 0.4s Verification

3. NPCI / IMPS Central Switch Payout Real-Time Core

4. Instant SMS & Bank Notification UTR Generated

FinCorp Soundbox Specs

Hardware Series 4G

Supported Languages Hindi, English, Marathi, Telugu, Tamil, Bengali, Gujarati
Connectivity Dual 4G SIM & 2.4GHz Wi-Fi
Battery Life 2,600 mAh (up to 4 days active standby)
Speaker Volume 95 dB High-Decibel Acoustic Clarity
Settlement Cycle T+0 Same Day / Instant Auto-Sweep

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Merchant QR & Soundbox POS

Eliminate payment fraud and fake screenshot scams. ReffersPay FinCorp Soundbox alerts store owners with instant clear voice feedback the millisecond a customer pays via UPI.

✓ Zero MDR on UPI: Keep 100% of your earnings without hidden interchange or gateway fees.

✓ All-in-One Standee: Accepts payments from Google Pay, PhonePe, Paytm, BHIM, and bank mobile apps.

✓ Merchant Business Credit: Build a high credit score through daily QR receipts to unlock unsecured store expansion loans.

Order Soundbox for Your Shop

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FinCorp Developer APIs & Cloud

Engineered for fintechs, aggregators, payroll platforms, and marketplaces. Access high-throughput, bank-grade RESTful endpoints with automated webhooks and sandbox environments.

✓ Bulk Payouts API: Disburse vendor payments, gig-worker wages, or affiliate commissions at 5,000+ transactions per second.

✓ Digital KYC Stack: Instant PAN verification, Aadhaar OTP authentication, GSTIN validation, and bank penny drop APIs.

✓ Comprehensive SDKs: Ready-to-deploy client libraries for Node.js, Python, Java, PHP, and cURL.

Request API Sandbox Keys

POST /v1/payouts/instant

200 OK

{
  "status": "SUCCESS",
  "reference_id": "RPAY_TXN_98412049",
  "beneficiary": {
    "account_number": "91823749102",
    "ifsc": "HDFC0001244",
    "registered_name": "Suresh Kumar"
  },
  "amount": 45000.00,
  "clearing_mode": "IMPS_SUB_SECOND",
  "bank_rrn": "329410928401",
  "timestamp": "2026-09-18T13:30:00Z"
}

Join the Network

Ready to Expand Your Store with
ReffersPay FinCorp?

Join 50,000+ retailer banking outlets across 28 states. Minimal documentation, instant approval, and daily commission payouts directly to your linked account.

FinCorp Solutions & Banking Infrastructure