Payratna – AEPS, MATM, CMS & Recharge Services
Payratna is a powerful fintech platform offering AEPS services, mobile recharge, bill payments, Fastag recharge, CMS services, MATM transactions, and digital banking solutions in India. Designed for retailers and distributors, Payratna enables secure, fast, and reliable financial services anytime, anywhere.
Payratna is a leading fintech app in India offering AEPS, recharge, bill payments, Fastag, MATM & digital banking services for retailers and businesses.
AEPS Banking
Aadhaar-based biometric banking — cash withdrawal, balance check & mini statement
Instant Recharges
Mobile, DTH & data card recharges processed instantly across all operators
mATM Services
Mobile ATM for cash withdrawal and deposits anywhere, anytime
One Platform. Multiple Financial Services.
Access a complete suite of digital financial services including AEPS, mATM, transfer, bill payments, and cash management — all from a single, easy-to-use platform. Payratna empowers you to serve more customers, grow your business, and increase your daily earnings effortlessly.
- Easy Onboarding
- User-Friendly Interface
- Multi-Service Access
- Dedicated Support Team
- High Success Rate
Building the Future of Digital Payments in India
Payratna is a leading FinTech platform offering AEPS, mATM, Recharges, Vendor Payments, CMS, and Adharpay services. We empower retailers, distributors, and businesses across India with fast, secure, and reliable digital financial solutions.
Secure & Reliable
Bank-level security with Aadhaar biometric authentication for every transaction
24/7 Support
Round-the-clock customer support to ensure smooth operations for your business
AEPS, mATM, Recharges & More — One Platform, Complete Financial Services
AEPS
Aadhaar Enabled Payment System for cash withdrawal, balance enquiry & mini statements using biometric authentication
Learn moremATM
Mobile ATM services enabling cash withdrawal & deposits at your doorstep without visiting a bank branch
Learn moreRecharges
Instant mobile, DTH & data card recharges for all major operators with real-time confirmation
Learn moreVendor Payments
Fast & secure vendor payment platform to manage all your supplier and distributor settlements effortlessly
Learn moreCMS
Cash Management System to optimize your cash flow, reduce idle cash and improve financial operations
Learn moreAdharpay
Seamless Aadhaar-based payment transactions with instant settlements and zero hassle for merchants
Learn moreWhy Thousands of Retailers
Trust Payratna
Payratna delivers a powerful, all-in-one platform combining AEPS, mATM, Recharges, and Vendor Payments. Our technology ensures zero downtime, instant settlements, and maximum security for every transaction.
The Best Payment Experience
50K+
Active Retailers & Merchants
Trusted by retailers, CSP agents and businesses across India
Future of Payments Together
Everything You Need to Run a Successful Payment Business
AEPS & Adharpay
Biometric-secured Aadhaar-based banking services for cash withdrawal, deposits and fund transfers.
Read More →100% Secure Transactions
Bank-level encryption, Aadhaar OTP & biometric verification keeps every transaction fully protected.
Read More →
CMS & Vendor Payments
Manage cash flow and settle vendor payments instantly with our integrated CMS platform.
Read More →Instant Recharges
Process mobile, DTH and data card recharges instantly for all major operators across India.
Read More →Stay Ahead in the Digital Payment World
Payment Solutions
Digital Payments Revolution in India
Discover how digital payments are transforming the Indian economy and what it means for businesses....
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Financial Services
Understanding AEPS: Complete Guide
Learn everything about Aadhaar Enabled Payment System and how it benefits customers and businesses....
Read More
Business Tips
How to Start a Successful Recharge Business
Step-by-step guide to starting and growing a profitable recharge business in 2024....
Read MoreFrequently Asked Questions
AEPS (Aadhaar Enabled Payment System) allows customers to perform banking transactions using their Aadhaar number and biometric fingerprint authentication. Through Payratna, retailers can offer cash withdrawal, balance enquiry, and mini statement services to their customers without requiring a bank branch.
You can register by clicking the Sign Up button and completing the KYC process. You will need a valid Aadhaar card, PAN card, and a bank account. Once verified, you can start offering all Payratna services to your customers immediately.
Payratna supports all major telecom operators including Jio, Airtel, Vi, BSNL, and all leading DTH providers like Tata Sky, Dish TV, Airtel DTH, and Sun Direct. Recharges are processed instantly with real-time confirmation.
Yes, absolutely. Payratna uses bank-level encryption and follows RBI guidelines for data security. All AEPS and Adharpay transactions are secured by Aadhaar biometric authentication via UIDAI, ensuring complete safety for you and your customers.
Join 50,000+ Retailers Using Payratna!
Start offering AEPS, Recharges, mATM, Vendor Payments and more to your customers. Grow your business with India's trusted FinTech platform.
Get Started Today