About Digifinpay

Who we are

Digifinpay is a merchant-centric digital financial platform focused on enabling last-mile financial services across urban and rural India. We provide retailers and business correspondents an easy onboarding, robust settlement, and a secure platform to deliver payments and banking services to their communities.

Our mission

• Promote financial inclusion by enabling local retailers to become trusted banking touchpoints.
• Create reliable, recurring income opportunities for retailer partners.
• Operate a secure, RBI & NPCI-aligned platform trusted by banks and customers.

Core services we offer

• AEPS (Aadhaar-Enabled Payment System) — Cash withdrawal, balance enquiry, mini statement, Aadhaar-to-Aadhaar transfer, deposit & purchase via biometric authentication (microATM / PoS).
• MicroATM / Biometric Services — Portable devices to deliver banking at the doorstep.
• DMT (Domestic Money Transfer) — Instant bank transfers to any bank across India.
• BBPS & Bill Payments — Utilities, postpaid/landline, FASTag recharges and more.
• Mobile & DTH Recharge, Insurance & Micro-Savings, Value-Added Services (Digital Gold, Loans routing).

AEPS — How it works (short)

AEPS lets a customer transact using their Aadhaar-linked bank account by authenticating with their biometric (fingerprint/IRIS) through a microATM or biometric PoS. The merchant (Business Correspondent / Touchpoint Operator) selects bank + Aadhaar number, captures biometric and processes the requested transaction (withdrawal, balance, mini statement etc.).

(Source: NPCI AePS product overview and AePS product booklet.)

Why Digifinpay vs other platforms

Competitors such as Spice Money, PayNearby and PayWorld also provide AEPS, MicroATM and a broad digital services suite — we use those industry standards as a baseline and add value in onboarding, settlements and support. See competitor product pages for public comparisons. :contentReference[oaicite:6]{index=6}

Our differentiators

• Faster onboarding & verified KYC workflows — streamlined forms and agent training.
• Transparent commission plans and performance-based bonuses for high-volume retailers.
• Industry-grade security & compliance — biometric data storage rules & NPCI / bank integrations.
• Reliable settlements with clear TATs and settlement reporting for merchants.
• Dashboard & APIs for distributors to manage agents, view reports, and integrate services.