One Platform.
Every Payment Need.
Payzento's integrated product suite powers retailers, distributors, and corporates with a unified, RBI-compliant payment infrastructure built for India's multi-tier distribution economy.
Three Wallet System
The backbone of Payzento's payment network
Payzento's proprietary three-tier wallet architecture enables seamless, real-time fund flow across your entire business network — from corporate to distributor to retailer — with full visibility, role-based access, and RBI-compliant controls at every level. Load funds once at the corporate level and watch them flow instantly to every merchant in your network.
Corporate Wallet
The master wallet for enterprises and large businesses. Load funds once and distribute across your entire distributor and retailer network instantly. Full audit trail, role-based access, maker-checker approval, and real-time balance visibility across all downstream wallets.
Distributor Wallet
Designed for distributors managing multiple retailers. Receive funds from the corporate wallet, disburse to retailers instantly, and track every transaction in real time. Automated reconciliation, commission tracking, and retailer performance dashboards built in.
Merchant Wallet
The retailer-facing wallet for collections, settlements, and value-added services. Accept UPI, QR, and card payments. Process AEPS withdrawals, BBPS bill payments, and DMT remittances. Instant T+0 settlement to bank account.
Key Features
Corporate Payment Workflow
Automate every corporate payment — from approval to settlement
Payzento's Corporate Payment Workflow gives enterprises and large distributors a structured, auditable, and automated payment engine. From bulk salary disbursements and vendor payments to distributor fund loading and inter-wallet transfers — every payment goes through a configurable approval chain before execution, with real-time status tracking and automated reconciliation.
Maker-Checker Approval Engine
Every payment instruction is created by a maker and approved by a checker before execution. Configurable approval hierarchies, multi-level sign-offs, and time-bound approval windows ensure zero unauthorised disbursements.
Bulk Disbursement Module
Upload a payment file and disburse to hundreds of vendors, employees, or distributors in a single click. Supports NEFT, IMPS, UPI, and wallet-to-wallet transfers with real-time status for every beneficiary.
Real-Time Tracking & Reconciliation
Live payment status dashboard with success, pending, and failure tracking. Automated reconciliation against bank statements with downloadable MIS reports for finance teams.
Key Features
Retailer Solutions
Everything a retailer needs — in one app, one account
Payzento's Retailer Solutions turn every merchant into a full-service financial services point. From accepting UPI and QR payments to offering AEPS cash withdrawals, BBPS bill payments, and domestic money transfers — retailers earn commissions on every transaction while serving their community's financial needs.
Payment Acceptance
Accept payments via UPI, QR code, and card through a single merchant app. Instant settlement to the merchant wallet with T+0 eligibility. Supports all major UPI apps — PhonePe, GPay, Paytm, and more.
Financial Services Suite
Offer AEPS-based Aadhaar cash withdrawals, BBPS bill payments for 200+ billers, and domestic money transfers (DMT) to any bank account in India. Each service earns the retailer a commission per transaction.
Merchant Dashboard
A simple, mobile-first dashboard showing real-time wallet balance, transaction history, commission earnings, and settlement status. Designed for low-bandwidth environments with offline-resilient UX.
Key Features
API & Integration Suite
Integrate Payzento's payment infrastructure into any platform
Payzento's REST API suite gives developers and businesses direct access to the full payment infrastructure — wallet management, fund transfers, payment acceptance, AEPS, BBPS, DMT, and more. With a sandbox environment, comprehensive documentation, and dedicated integration support, you can go live in hours.
REST API Suite
Fully documented REST APIs for wallet creation, fund loading, transfers, payment acceptance, AEPS, BBPS, DMT, and settlement queries. JSON responses, standard HTTP status codes, and webhook support for real-time event notifications.
Sandbox & Testing
A full-featured sandbox environment mirroring production. Test every API endpoint, simulate payment flows, and validate your integration before going live — with no real money involved.
Integration Support
Dedicated integration engineers available during onboarding. Postman collections, code samples in multiple languages, and a developer portal with changelogs and versioning.
Key Features
Compare All Products
Every product in the Payzento suite is designed to work independently or as part of an integrated stack.
Three Wallet System
Core ArchitecturePayzento's proprietary three-tier wallet architecture enables seamless, real-time fund flow across your entire business network — from corporate to distributor to retailer — with full visibility, role-based access, and RBI-compliant controls at every level. Load funds once at the corporate level and watch them flow instantly to every merchant in your network.
Corporate Payment Workflow
EnterprisePayzento's Corporate Payment Workflow gives enterprises and large distributors a structured, auditable, and automated payment engine. From bulk salary disbursements and vendor payments to distributor fund loading and inter-wallet transfers — every payment goes through a configurable approval chain before execution, with real-time status tracking and automated reconciliation.
Retailer Solutions
Retail NetworkPayzento's Retailer Solutions turn every merchant into a full-service financial services point. From accepting UPI and QR payments to offering AEPS cash withdrawals, BBPS bill payments, and domestic money transfers — retailers earn commissions on every transaction while serving their community's financial needs.
API & Integration Suite
Developer ReadyPayzento's REST API suite gives developers and businesses direct access to the full payment infrastructure — wallet management, fund transfers, payment acceptance, AEPS, BBPS, DMT, and more. With a sandbox environment, comprehensive documentation, and dedicated integration support, you can go live in hours.
Value-Added Services
Every Payzento retailer account unlocks 10+ financial services — each earning a commission per transaction. No separate integrations, no extra hardware required.
AEPS
Aadhaar Enabled Payment System
Enable Aadhaar-based cash withdrawals, balance enquiries, and mini statements for customers — using just their fingerprint. No debit card needed.
BBPS
Bharat Bill Payment System
Accept bill payments for 200+ billers — electricity, water, gas, DTH, broadband, insurance, and more — through a single integrated platform.
DMT
Domestic Money Transfer
Allow customers to send money to any bank account in India instantly. Ideal for migrant workers and unbanked populations needing reliable remittance.
UPI Cash
UPI-Based Cash Withdrawal
Let customers withdraw cash at your retail point using their UPI ID — no ATM card required. A convenient last-mile cash access solution.
Mini ATM
Mini ATM Card Swipe Service
A compact card-swipe device that turns your retail counter into a cash withdrawal point for any debit card holder — powered by Payzento's network.
POS Machine
Point of Sale Terminal
Accept debit and credit card payments at your store with a Payzento-integrated POS terminal. Fast, secure, and connected to your merchant wallet.
Flight Tickets
Air Ticket Booking Service
Book domestic and international flight tickets for customers directly from your retailer dashboard. Earn a booking commission on every ticket sold.
Gold Loan
Gold Loan Facilitation
Help customers access gold loans through Payzento's lending partners. Act as a facilitation point and earn a referral fee for every successful loan disbursement.
Digital Loan
Instant Digital Loan
Facilitate instant personal and business loans for customers through Payzento's digital lending partners — fully paperless, with quick disbursal.
Digital Savings
Digital Savings Account
Help unbanked customers open a digital savings account through Payzento's banking partners — bringing formal banking access to the last mile.
All services are available through a single Payzento retailer account. No separate integrations needed.
Activate All ServicesReady to Expand Your Payment Network?
Talk to our team and get your retailer or distributor network live on Payzento in under 24 hours.