01Mission · Bharat
Digital India
Aligned with the Government of India's Digital India initiative — bridging Bharat's last-mile, one panchayat at a time.
1,250+Gram Panchayats served
India's most loved fintech OSOne platform for every shop,
One platform for every shop,
every distributor, every bank.
NextGenPay is the operating system for India's digital banking economy. 60+ services, 4 personas, real-time settlements, 99.97% uptime — built for the next 100 million retailers.
RBI-licensed nodal banks
ISO 27001 + PCI-DSS L1
SOC 2 Type II
- 38M+
- Businesses joined
- 1,200+
- Live billers
- 60+
- Digital services
- 99.9%
- Uptime SLA
NextGenPay Wallet
₹ 28,450.00
Today
₹3,420
AePS
Today
₹1,840
DMT
Today
₹2,180
Recharge
+₹ 2,184 earned today as commission
Trusted by 38M+ Indian businesses
RBI Licensed Partners
256-bit Encryption
PCI-DSS Compliant
ISO 27001 Certified
NPCIRBI AuthorisedVisaMastercardRuPayBBPSIRCTCFASTagUIDAINPCIRBI AuthorisedVisaMastercardRuPayBBPSIRCTCFASTagUIDAI
Built for the entire chain
One platform. Four superpowers.
Every persona — from village retailer to platform admin — gets a workspace built around their job.
Retailer workspace
Run all 60+ services from your shop
- Single dashboard for AePS, DMT, UPI, recharges, bills, travel
- Instant IMPS settlement, 24×7 wallet top-up
- Highest commissions in the industry
- Free RuPay debit card + sound box
Wallet
₹ 28,450
AePS
DMT
UPI
Bills
Banking & Digital Services
60+ services. One dashboard. Zero friction.
Every banking & digital service your customers need — fully secured, RBI-compliant and ready to go live in minutes.
New
Payment Gateway
Accept UPI, cards, net banking & wallets with real-time tracking and T+1 settlement.
Open serviceNew
POS Terminals
Android POS machines on rental with card, UPI, BharatQR & Tap-and-Pay acceptance.
Open serviceNew
QR Code Payments
Branded static & dynamic UPI QR codes with instant alerts and settlement reports.
Open serviceAadhaar Pay (AePS)
Cash withdrawal, balance inquiry & mini statement using Aadhaar biometric.
Open serviceMoney Transfer (DMT)
Send money instantly to any Indian bank account 24x7.
Open serviceUPI Collect
Generate UPI requests and accept payments without a POS.
Open serviceWallet Pay
Top-up your NextGenPay wallet and pay anywhere instantly.
Open serviceNew
Virtual Account
Get a unique IFSC + account number to receive payments.
Open serviceCredit Card Bill
Pay any credit card bill across all major banks.
Open serviceMobile Recharge
Prepaid recharge for Jio, Airtel, Vi, BSNL with cashback.
Open serviceDTH Recharge
Recharge Tata Play, Dish TV, d2h, Sun Direct & Airtel DTH.
Open serviceBroadband / OTT
Postpaid broadband, landline & OTT subscriptions.
Open serviceElectricity
Pay state & private electricity bills across India.
Open serviceWater
Pay municipal water bills with instant confirmation.
Open serviceGas (Piped & LPG)
Book LPG cylinders or pay piped gas bills in seconds.
Open serviceFlight Booking
Search and book domestic flights with best fares.
Open serviceHotel Booking
Browse 50,000+ hotels across India at agent rates.
Open serviceBus Booking
Book AC sleeper, semi-sleeper & seater buses pan-India.
Open serviceEducation Fees
Pay school & college fees with auto reminders.
Open service The NextGenPay differenceBuilt like a bank.
Built like a bank.
Felt like an app.
Four engineering pillars that quietly power every transaction across the network.
Instant settlement
T+0 commissions. T+1 nodal settlement. IMPS 24×7. UPI sub-second. Built on direct integrations with NPCI, NETC, BBPS.
Bank-grade security
ISO 27001 + PCI-DSS L1 + SOC 2 Type II. mTLS-only APIs. End-to-end encryption. WORM-archived audit logs.
Composable platform
60+ services as REST APIs. Webhook-everything. Plug into your ERP, POS, neobank, or super-app in days, not months.
Pan-India, Bharat-first
Live in 28 states · 9 languages · 1,200+ billers · 38M businesses onboarded across tier-1 to tier-6 towns.
How it works
A simple 4-step payment journey
Behind every tap, NextGenPay runs a battle-tested gateway that processes millions of transactions every day with bank-grade security.
1
Customer initiates payment
Your customer selects a service and hits Pay Now. They choose a method — Card, UPI, Net Banking, Wallet.
2
Payment details entered
Card details or UPI QR are securely encrypted (256-bit TLS) and sent to the payment gateway.
3
Gateway routes to issuer
The payment gateway forwards the request to the bank or card network — Visa, Mastercard, RuPay or NPCI.
4
Confirmation in seconds
Funds are confirmed, the wallet is credited and you and your customer get an instant receipt.
Made in Bharat. Made for Bharat.
Built on the rails of India's public digital infrastructure — UPI, Aadhaar, BBPS & ONDC.
NextGenPay is a 100% Indian fintech stack — engineered in Surat, hosted on Indian soil, and certified by every domestic regulator that matters. Every line of code is aligned with national missions that move Bharat from cash to digital.
02Mission · Bharat
Jan Dhan – Aadhaar – Mobile (JAM)
Built natively on the JAM trinity. Every retailer can onboard a customer using just an Aadhaar and a fingerprint.
₹0Cost to open a Jan-Dhan account
03Mission · Bharat
UPI · BBPS · AePS
Direct certified integrations with NPCI rails — UPI 2.0, Bharat BillPay v2, Aadhaar Enabled Payment System & FASTag.
60+Live NPCI services
04Mission · Bharat
Aatmanirbhar Bharat
100% Made-in-India fintech stack. Data resident on Indian soil, engineered in Surat, processed in India only.
🇮🇳Proudly Made in India
Onboarded in 28 States & 8 UTs
9 Indian Languages
₹0 Subsidy · ₹0 Foreign Capital
Our impact, in numbers
Powering Bharat's next 100 million transactions.
0.0M+
Businesses onboarded
0 Cr
Daily GMV processed
0.0%
Uptime SLA · 30 days
0.00s
Avg AePS settlement
0.0+
Live services
0.0
States · 9 languages
From Kanyakumari to KashmirA Bharat-wide network that
A Bharat-wide network that
speaks your customer's language.
35 lakh+ kirana shops, CSPs and distributors in 19,400+ PIN codes already power their daily ledger on NextGenPay. The app, dashboard and support team operate in nine Indian languages so no retailer is left behind.
- 28
- States · 8 UTs
- 19,400+
- PIN codes served
- 35.2 L
- Active retailers
- 9
- Indian languages
Coverage by zone · Q1 FY26
North India
7 states · live
9.4 L
Active retailers
DelhiLucknowJaipurChandigarhDehradun
West India
6 states · live
11.2 L
Active retailers
MumbaiPuneAhmedabadSuratIndore
South India
5 states · live
8.6 L
Active retailers
BengaluruChennaiHyderabadKochiCoimbatore
East India
6 states · live
5.1 L
Active retailers
KolkataPatnaRanchiBhubaneswarGuwahati
North-East India
4 states · live
0.9 L
Active retailers
GuwahatiShillongAizawlImphalItanagar
Available in
Englishहिन्दीગુજરાતીमराठीதமிழ்తెలుగుಕನ್ನಡবাংলাമലയാളം
Compliance & Certifications
Regulated. Audited. Indian by law.
Every rupee that moves through NextGenPay is settled through RBI-licensed sponsor banks, certified NPCI rails and ISO-grade security controls — and every byte stays inside Indian data centres as mandated by the RBI on Storage of Payment System Data, 2018.
RBILive
RBI Authorised Partners
Reserve Bank of India
All money-movement is settled through RBI-licensed sponsor banks holding a valid PA / PPI / BBPOU licence.
NPCICertified
NPCI Certified
National Payments Corporation of India
Direct certified member rails for UPI 2.0, AePS, IMPS, NACH, RuPay, BBPS, NETC FASTag and APBS.
UIDAISub-AUA
UIDAI · AUA / KUA
Unique Identification Authority of India
Aadhaar authentication performed under a licensed AUA/KUA with mandatory STQC-certified biometric devices.
DPDPCompliant
DPDP Act 2023 Ready
Ministry of Electronics & IT
Data minimisation, purpose-limited consent, principal rights & breach notification — all baked in.
PCICertified
PCI-DSS v4.0 Level 1
PCI Security Standards Council
Card data tokenised at issuer per RBI CoFT guidelines. Quarterly ASV scans & annual on-site audit.
ISOCertified
ISO/IEC 27001:2022
International Standards Organisation
Information Security Management System audited and certified by an accredited Indian certification body.
CERTAudited
CERT-In Empanelled
Indian Computer Emergency Response Team
Annual VAPT by a CERT-In empanelled auditor. 6-hour incident reporting protocol as per CERT-In 2022 directions.
PMLAReporting
PMLA / KYC / AML
Financial Intelligence Unit – India
Full KYC, transaction-monitoring, sanctions screening and STR/CTR reporting per PMLA Rules 2005.
Data localisation
All payment-system data stored on Indian soil — RBI 2018 circular.
DPDP-aligned consent
Free, specific, informed, unambiguous consent for every data field.
CERT-In incident response
6-hour reporting protocol; annual VAPT by an empanelled auditor.
Powered together
One handshake. Every rail in India.
Direct integrations with NPCI, BBPS, RBI sandbox, nodal banks and biometric vendors. You ship — we handle the wires.
NPCI
NPCI
Switch
BBPS
NPCI Bharat BillPay
BBPS
RBI
RBI Sandbox
Regulatory
ICICI
ICICI Nodal
Nodal Bank
YES
Yes Bank Nodal
Nodal Bank
AXIS
Axis Bank
DMT Partner
VISA
Visa
Card Network
MC
Mastercard
Card Network
RUPAY
RuPay
Card Network
UIDAI
Aadhaar / UIDAI
Identity
MFS
Mantra MFS100
Biometric
MORPH
Morpho MSO 1300
Biometric
● 99.97% uptime·1,238 live billers·12 service categories·9 Indian languages
Pricing
Economical pricing for every retailer
Pick a plan that fits your business — upgrade as you grow. Cancel anytime, no questions asked.
Starter
Perfect for individuals starting their fintech journey.
₹0forever free
- Access to 30+ services
- Standard commission rates
- UPI & wallet payments
- Email support
- Basic transaction reports
Most popular
Retailer
Best for shops & local retail outlets.
₹499/year
- All Starter features
- AePS & money transfer enabled
- Higher commission slabs
- Priority WhatsApp support
- Advanced reports & exports
- Free RuPay card
Loved across India
38 million businesses can't be wrong.
“Working with NextGenPay has transformed my business. The platform is fast, the commissions are great, and the support team is always there when I need them.”
Kasendar Prasad
Owner, Rishabh Telecom & Money Transfer
Frequently asked questions
Everything you need to know
Can't find your answer? Our support team replies in under 15 minutes on WhatsApp.
NextGenPay (operated by JMP NEXTGENPAY PRIVATE LIMITED) is a digital banking & utility fintech platform that helps retailers and consumers access 60+ services — money transfer, AePS, recharges, bill payments, travel bookings — all from a single dashboard, with zero hidden fees.
Yes. We use bank-grade 256-bit TLS encryption, RBI-licensed payment partners, and 2-factor authentication on every login & high-value transaction. Your data is never sold or shared.
Electricity, water, piped gas & LPG, broadband, DTH, postpaid mobile, landline, credit-card bills, education fees, insurance premiums, FASTag, municipal taxes and more — across 1,200+ billers.
Sign up with your PAN, Aadhaar and shop details, complete KYC in under 5 minutes, and start earning commissions on every transaction. There is no joining fee.
Commissions are credited to your NextGenPay wallet in real-time on every successful transaction. You can withdraw to your bank account 24x7 with instant IMPS settlement.
No. Our pricing is fully transparent — every service shows the exact convenience fee (if any) before you confirm. There are zero hidden charges, ever.
News & insights
Latest from NextGenPay
Tips, trends and product updates to help your business grow faster.
Banking
How AePS is changing rural banking in Bharat
Aadhaar-enabled Payment System has brought formal banking to villages where ATMs never reached. Here's how retailers can ride the wave.
Apr 02, 2026 5 min read
Read more Growth
10 tips to grow your customer service point in 2026
Practical, retailer-tested strategies to bring more footfall and increase per-customer revenue at your CSP.
Mar 18, 2026 7 min read
Read more Insights
UPI vs cards — which wins in 2026?
We crunch the numbers across 12M transactions to see how UPI and cards stack up on cost, speed and customer love.
Feb 28, 2026 6 min read
Read more