iSoftMoney services

Every service, explained by animation

What the retailer does, what the customer sees and how the money actually moves. Each product below plays its own sequence — hover any icon to inspect that stage.

AEPS BBPS Recharge DMT Credit cards Savings account
Service 01

AEPS — Aadhaar Enabled Payment System

A customer with an Aadhaar-linked bank account withdraws cash, checks balance or prints a mini statement using a fingerprint. No card, no PIN, no cheque.

  • Cash withdrawal, balance enquiry, mini statement, Aadhaar Pay
  • Live capture only — biometrics are never stored on the device
  • Commission credited to the wallet on every successful debit
Select bank
Biometric
Encrypted auth
Bank debit
Cash out
Receipt
Service 02

BBPS — Bill payments

One screen for electricity, gas, water, broadband, DTH, insurance premium, FASTag and loan EMIs. The bill is fetched live so the customer pays the exact amount due.

  • 20,000+ billers with instant confirmation
  • Bill fetch before payment removes wrong-amount disputes
  • Printable receipt carrying the biller reference
Category
Consumer no.
Bill fetched
Wallet debit
Biller confirms
Receipt
Service 03

Mobile & DTH recharge

Prepaid, postpaid and DTH top-ups across every operator. The operator and circle are detected from the number, and plans are listed with validity and data.

  • Operator and circle auto-detect
  • Best-plan browser with validity and benefits
  • Automatic reversal when the operator declines
Enter number
Auto-detect
Pick plan
Wallet debit
Top-up
Confirmation
Service 04

DMT — Domestic money transfer

A walk-in customer hands over cash and it lands in any bank account over IMPS or NEFT. The beneficiary name is verified by penny-drop before the transfer runs.

  • Sender registered once with mobile OTP
  • Penny-drop name verification on new beneficiaries
  • UTR captured for every transfer and refund
Sender KYC
Add payee
Name check
Collect cash
IMPS / NEFT
UTR
Service 05

Credit card applications

Compare partner cards on fees and rewards, run an eligibility pre-check, then submit a complete application with documents captured on the phone.

  • Soft eligibility check before a full application
  • Document capture and upload from the counter
  • Status tracking and payout on approved cards
Profile
Compare
Pre-check
Documents
Underwriting
Card issued
Service 06

Open a savings bank account

Paperless account opening with partner banks. Verified, funded and active in a single visit to the counter — no branch trip needed.

  • Aadhaar and PAN verified against source
  • Video KYC scheduled with the bank agent
  • Instant account number and digital passbook
Pick bank
Aadhaar + PAN
OTP verify
Video KYC
A/C number
Funded
Behind the counter

How money and commission settle

Whatever the service, the money movement follows the same pipeline. That is why one wallet and one ledger cover all six products.

Become a partner
STAGE 01

Wallet funding

The retailer tops up the wallet by UPI, IMPS or through the distributor.

STAGE 02

Limits and risk rules

Per-service limits, velocity checks and AML rules validate each request before it leaves.

STAGE 03

Routing to the rail

The request is routed to the right rail — AEPS switch, BBPS, operator API or IMPS.

STAGE 04

Response and reversal

Success posts the ledger entry; a decline reverses the wallet hold automatically.

STAGE 05

Commission posting

Slab commission is calculated per transaction and credited against the reference ID.

STAGE 06

Reconciliation

Daily reconciliation matches switch reports to the ledger and flags every mismatch.

Add these six services to your store

Tell us your network size and we will map commissions, devices and settlement for you.

Talk to iSoftMoney Policies