PayOrbit
Enterprise Financial Infrastructure

Payments Beyond Limits.

Production-grade financial operating system power-housing Recharge, BBPS, AEPS, DMT, Wallets, and Multi-Tier Distribution on one immutable ledger.

99.98%

Switching Uptime

<450ms

Average Execution

100%

Double-Entry Ledger

24x7

Real-Time Settlement

Core Offerings

Commercial Financial Services

Direct connectivity to NPCI, BBPS Central, NSDL, and tier-1 banking switches with smart routing failover.

Instant Rail

Mobile Recharge

Instant prepaid and postpaid recharges across all major telco operators in India with real-time plan lookups.

Automated

DTH Services

Direct-to-home digital cable and satellite top-ups with immediate subscriber balance refresh.

NPCI Certified

BBPS Utility Hub

Bharat Bill Payment System integration for Electricity, Water, Gas, FASTag, Broadband, and Loan repayments.

Biometric Auth

AEPS Banking

Aadhaar Enabled Payment System for biometric cash withdrawal, mini statements, and balance inquiries.

Direct Bank API

Domestic Money Transfer

24x7 IMPS and NEFT transfers with instant beneficiary account verification (penny drop).

Paperless eKYC

PAN Card Services

Authorized NSDL & UTI infrastructure for biometric and paperless new PAN card and correction applications.

POS Hardware

Micro ATM

EMV chip and magnetic stripe debit card transactions through paired Bluetooth POS hardware terminals.

Dynamic Margins

Commission & Pricing Engine

Granular hierarchical margin distribution with real-time cashback credits and charge calculations.

Distribution Hierarchy

Engineered for Massive Agent Networks

Complete multi-tenant separation allowing White Labels, Master Distributors, Distributors, and Retailers to operate under their own autonomous boundaries.

01

B2B & White Label Partners

Launch your proprietary branded fintech portal with custom domain, branding theme, independent pricing rules, and isolated member hierarchies.

02

Master Distributors & Distributors

Onboard downstream retail shops, distribute float balance, configure commission splits, and monitor branch-level sales metrics in real-time.

03

Retailer Agent Points

High-velocity cashier interface designed mobile-first. Instant customer receipts, zero lag, and instant commission crediting to wallet.

PayOrbit

Bank-Grade Compliance

Strict Double-Entry Ledger Isolation

Financial transactions are mathematically verified. Every debit has a corresponding credit, idempotency locks prevent duplicate charges, and automated daily bank reconciliations guarantee zero float discrepancies.