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Six rails, one ledger

Services built for
the retail counter

Every transaction type a customer asks for — withdrawals, bills, transfers, banking and insurance — runs on the same platform, the same login, the same settlement cycle.

01 / AEPS

Aadhaar Enabled Payment System

Customers withdraw cash, check balances and pull mini statements using just their Aadhaar number and fingerprint — no card, no PIN to remember.

  • Biometric authentication via NPCI switch
  • Cash withdrawal, balance enquiry, mini statement
  • Works with any bank-linked Aadhaar number
Integration: NPCI switch + biometric device SDK
02 / BBPS

Bharat Bill Payment System

Electricity, water, gas, broadband, DTH and mobile recharges — all on one screen, with instant confirmation for your customer.

  • Covers all major billers nationwide
  • Recharges for prepaid mobile and DTH
  • Instant digital receipts
Integration: BBPS aggregator API
03 / DMT

Domestic Money Transfer

Send funds to any bank account across India through IMPS and NEFT, with saved beneficiary management for repeat transfers.

  • Beneficiary add & verification
  • IMPS for instant transfer, NEFT for batch
  • Real-time status tracking
Integration: Bank partner API (IMPS / NEFT)
04 / MATM

Micro ATM

Turn a compact card-swipe device into a banking point — customers tap or swipe their debit card for withdrawals and balance checks.

  • Card-based cash withdrawal
  • Balance enquiry & mini statement
  • Works with any bank's debit card
Integration: Card switch via micro ATM device
05 / CMS

Collection Management System

Businesses get dedicated virtual accounts to collect payments from customers, with automatic reconciliation against every credit.

  • Unique virtual account per customer or branch
  • Automatic daily reconciliation
  • Downloadable settlement reports
Integration: Partner bank virtual account API
06 / Insurance

Insurance

Issue life, health and motor policies and collect premiums on the spot — giving your customers cover without a separate visit to an agent.

  • Policy issuance at the counter
  • Premium collection & renewal reminders
  • Digital policy documents
Integration: Insurance partner API
Built for every level

One platform, three portals

Whether you run one counter or manage a network of retailers, PayClarity gives you the view you need.

Retailer / Merchant

Register, get verified, run transactions across all six services and track commission in real time.

Distributor / Business

Onboard and manage retailers under you, fund their accounts, and track commission across your entire hierarchy.

Admin / Salesforce

Approve KYC and limits, monitor settlements, manage complaints and run MIS reports for the entire network.

Ready when you are

Pick the services your counter needs

Start with one service or all six — your limits and dashboard scale with you.