Bank-grade · NPCI-linked rails

Banking services at every counter

iSoftMoney turns any retail shop into a financial service point. Aadhaar cash withdrawal, bill payments, recharge, money transfer, card applications and instant savings accounts — one app, one wallet, one settlement.

Become a partner See how each service works
AEPS BBPS Recharge DMT Credit Cards Savings A/C
One retailer app
Real-time wallet settlement Biometric device pairing in minutes 20,000+ BBPS billers Commission visible per transaction 24/7 dispute tracing by reference ID
Services

Six services your customers already ask for

Every service settles into the same wallet, with receipts and commission shown per transaction.

AEPS — Aadhaar cash withdrawal

Customers withdraw cash, check balance and get a mini statement using only a fingerprint.

  • Cash withdrawal & balance enquiry
  • Mini statement and Aadhaar Pay
  • Certified biometric device support
How it works

BBPS — Bill payments

Electricity, gas, water, broadband, DTH, insurance premium, FASTag and loan EMIs in one screen.

  • 20,000+ billers, instant confirmation
  • Bill fetch before payment
  • Printable customer receipt
How it works

Mobile & DTH recharge

Prepaid, postpaid and DTH top-ups across every operator with live plan lookup.

  • Operator auto-detect
  • Best-plan browser by circle
  • Auto-reversal on failure
How it works

DMT — Domestic money transfer

Send cash to any bank account over IMPS or NEFT with beneficiary verification first.

  • Penny-drop name check
  • Saved beneficiary book
  • Refund tracking with UTR
How it works

Credit card applications

Compare cards, check eligibility and submit a complete application from the counter.

  • Eligibility pre-check
  • Document upload from mobile
  • Payout on approved cards
How it works

Open savings bank account

Paperless account opening with partner banks — verified, funded and active in one visit.

  • Aadhaar + PAN verification
  • Video KYC scheduling
  • Instant account number
How it works
How AEPS works

Aadhaar cash withdrawal, step by step

The exact path a transaction takes from the retailer counter to the switch and back — animated as it moves.

STEP 01

Customer chooses bank

Retailer opens AEPS, enters the Aadhaar number and selects the customer's bank.

STEP 02

Live biometric capture

A certified scanner captures the fingerprint. Nothing is stored on the device.

STEP 03

Encrypted authentication

The packet is encrypted and sent for Aadhaar authentication through the payment switch.

STEP 04

Bank debits the account

The issuing bank validates balance and limits, then approves the debit.

STEP 05

Cash handed over

The retailer pays cash from the till; the amount plus commission credits the wallet.

STEP 06

Receipt and settlement

Receipt prints with the reference ID; settlement reconciles the same day.

How BBPS works

Bill payment in four moves

Select biller
Fetch bill
Pay
Receipt
How account opening works

Savings account in one visit

KYC capture
Video KYC
A/C number
Funded
0 Active retail counters
0 BBPS billers reachable
0 Transaction success rate
0 Partner onboarding time
Why partners stay

Built for the counter, not the boardroom

Instant settlement

Commission credits to the wallet as each transaction closes — no month-end waiting.

Compliance built in

KYC, AML screening and transaction monitoring run in the background on every request.

Traceable support

Every ticket carries the transaction reference, so disputes are traced the same day.

Distributor tooling

Multi-level networks with limits, wallet top-ups and per-retailer performance views.

FAQ

Retailer and distributor questions

Completed KYC, a certified biometric scanner paired to your account, and a funded wallet. Onboarding usually finishes within 48 hours.

Commission posts to the wallet as each transaction settles, and the ledger shows the amount against the transaction reference.

Failed transactions auto-reverse to the source. If the reversal has not landed inside the stated window, raise a ticket with the reference ID and we trace it with the bank.

Yes. Distributor accounts create retailers, set per-service limits, transfer wallet balance and view performance per counter.

No. Biometrics are captured live, encrypted at the device and used only for that single authentication request.
Become a partner

Start earning on every counter transaction

Onboarding takes 48 hours: KYC, device pairing and wallet funding — then you are live on all six services.

  • No franchise fee for single-counter retailers
  • Commission slabs shared before you sign
  • Training and marketing kit included
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Ready to add banking to your shop?

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