India's only omni-channel payments facilitator. Our fintech platform enables 360 degrees payment management for enterprises. Improve your cash flow through seamless accounts receivables and optimizing accounts payable.

Accounts Receivable

Never lose a customer because of lack of payment options. Automatically accept various domestic and international instruments through simplified integrated solutions - subscription management for recurring billing, consumer lending for instant EMI purchases, instant in-ward remittance and out of the box compliance management.

Accounts Payable

Consolidate and aggregate your accounts payable through a single interface for expense management, vendor and utility payments. Optimize your cash flow through working capital loans and bill discounting.

Omni-present

Payment collection across online, mobile, call centre, retail or payment collection centres. All this enabled through standard SDKs and APIS for Realtime information exchange.

Service

Acquiring

Accepting 100+ instruments. Credit & Debit Cards, Net Banking, Wallets, UPI & Cash

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Lending

Aggregating lenders to enable personal loan to consumers and working capital loan to enterprises

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Subscription

Managing and collecting recurring payments from customers

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Remittance

Enable in-bound remittances from 5 continents into India. Turning a 3 day settlement process to 1 day settlement

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Compliance

Know your customer, Prevention of money laundering and other regulatory compliances. Enabling secure acceptance and storage of payment information

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Corporate Expense Management

Expense management, vendor and utility payments for enterprises.

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Features

Extensible and Scalable Architecture

Consumers are constantly adopting new platforms of interaction forcing you to go where they are. We ensure our platform is scalable and automatically available on all these platforms

Consistent Customer Experiences

Your customers will experience the same tailored experience irrespective of the location they are interacting with you on.

Risk and Compliance Reap

We live in a new reality of high risk, fast changing compliance and regulatory standards and procedures. We will make sure you are in compliance all the time.

Central Data Repository

All your data is stored in a central location of easy processing and access.

Frictionless Customer Journeys

Customers follow the same user journeys as they move from interactions on the computer to the mobile or voice. No new discoveries or learnings for them.

Extensive Business Intelligence

Your business is constantly generating new data points. We give you access to these data points and processed reports to make smarter business decisions.

Acquiring

Only 3% of India's population have access to credit cards while 33% have access to debit cards. Consumer wallet accounts make up another 25% followed closely by savings accounts across 150+ banks. The consumers are demanding choice, exponentially driving up your costs. The airpay platform reduces revenue related costs and helps expand margins.

Omnichannel Acquiring

Get independence from limiting customer payment options to certain sales channels. Accept payments across all your sales channels - online, mobile, call centre, retail and door to door.

Multiple Instruments

Spoilt your customer with choice. Let them pay by Credit Cards, Debit Cards, Net Banking, RTGS / NEFT, BharatQR, UPI, Cash, Corporate Cards, Pre-Paid Card, Loyalty Cards or Wallets.

Basic Features

Single Realtime Dashboard

Unified MIS and transaction reporting with segregated data reporting functionality

100% Secure and User friendly

Ontime Reconciliation and Settlement

Partners

ICICI Bank
HDFC Bank
Axis Bank
KOtak Bank
SBI
Bank of Maharashtra

amazon
jiomoney
payzapp
paytm
mobikwik
olamoney

Subscription

Empower your business by enabling automated recurring payments from your customers. Be it a gym membership or a monthly club membership, Airpay subscription management will send payment reminders and collection requests with customizable frequency, payment date and amount.

Payment Instruments

It is time to go above and beyond credit card transactions! Airpay validates payment instruments and activates them in real time for future transactions. This isn't restricted to simply eNACH or Standing Instructions. Give your customers the flexibility of changing the instrument as and when they need. Store your customers information a protected and secure environment.

Subscription Management

Subscription management is a service which works on top of payment gateway to handle subscriptions and ensure that the right account is charged the right amount.

Dunning Process

Automatically send reminder notifications to your customers about past due accounts. Reducing the time and resources spent manually checking up on delinquent accounts. We will ensure that customer has updated payment details on file so that the occurrence of failed transactions is reduced.

For example:
When the Lending card / debit card is about to expire Bank account details have changed

Unified Customer View

ERPs were built to track products not customer relationships. Airpay offers a single interface to own the entire subscription lifecycle so that you have a single view of a customer.

Billing Models

Fixed Payment Schedule

Charge the same amount on the same date at the same time interval

Quantity based model

Charge your customers based on usage tier based billing

Trial

Offer a free trial for XX number days post which you start billing automatically

Usage based model

Charge a different amount on the same date based on the product / service usage

One time charge

Charge a one time fee + subscription fee on a fixed schedule

Get insight into customer retention and new sales

Monthly recurring revenue
Average revenue per customer
Customer lifetime value
Customer churn rate
Revenue churn
New / Active / Paused / Reactivated / Cancelled subscriptions
Average subscription cycle
Average subscription frequency

Instrument

Lending

Airpay eliminates wait times and enables instant disbursements to grow your revenue with zero risk. Get access to a country-wide network of traditional and new age lenders dynamically identified to fit your customers' specific need.

Instant approval with zero documentation

Know your eligibility in a fraction of seconds with by filling out a few details and zero documentation.

Minimal documentation

Get your loan approved and disbursed with just your PAN card and an Address proof.

Loans of any size

Get loans up to Rs 10 lakh without any collateral within a few working hours.

Multiple plans Multiple Lenders

Get loans from lenders that specifically fit your needs - Low interest fees! Flexible Terms.

Enter basic details

Get instant approval of the loan amount with just filling of a few details in milli-seconds

Select offer & Sign agreement

Choose from a bucket of lenders and get an offer that best suits you. Digitally sign your agreement and money will be disbursed within few hours

Money Disbursed

Get access to loan amount in express speed with Xpressloan

Consumer Lending

Term Loan

Get instant approved loan without collateral and minimal paper work to make your dream purchase.
Line of Credit

Don’t let insufficient funds be a roadblock, avail instant line of credit facility through airpay.
Buy Now & pay Later

Get interest free credit instantly for upto 14 days.

Merchant Lending

Term Loan

Small business loan made easy and flexible, money in just 2 working days into your account.
Line of Credit

Avail line of credit to manage cashflow gaps and dynamic business opportunities.

Partners

iifl
kissht
eduvanz

Compliance

In a fast changing regulatory environment, stay in-sync with the latest regulatory compliance requirements for your industry. Airpay compliance automatically detects the compliance demands for your industry and captures necessary customer information for each transaction. Encrypted with the highest security update, you can rest assured that the information is safe while instantly available to you!

Know your customer

Let us securely manage and store your 'Know Your Customer' details. Do not waste precious real estate storing and operational bandwidth searching for customer KYC data. Airpay maintains all the records securely and gives access to them with a click of a button.

Tokenization

Airpay tokenization technology lets you safely store your customer credit card details for future billing, eliminating the uncertainty of hackers and fraud.

Data collection and verification

Collect and verify documents as required by your business and the regulator. Information is verified in real-time against government and third party databases.

Business Benefit

Certifications – PCI/DSS
Secure channel communication using SSL
Encrypt and store data
Encrypted storage of card details
Backup / Business continuity
Audit Trails
Long term data storage

Customer Benefit

PAN validation
Passport validation
Driver license validation
Voter ID
Company PAN card
Company GST
eSign

Our Certifications

Remittance

Enable in-bound remittances from 5 continents into India. Turning a 3 day settlement process to 1 day settlement
Airpay allows you to collect payments from inside as well as overseas customer. We provide your customer a hassle-free payment experience with competitive exchange rates and low fee. With quick customer onboarding and two-tap payments, we make the transaction complete in typically 1-2 business days.

Simplify a complex and time consuming process

Same day money transfer
No bank involvement
One time paperwork process

Features

Quick customer onboarding

Customer's do local transfers avoiding complex global regulations.

Live competitive exchange rate

Get the best exchange rates available at the time of transaction instead of the applicable day rate.

Low processing fee

No more cost prohibitive processing fees.

Fully secure

Work with peace of mind with our fully secure and certified environment.

Available over 60+ countries

Make a customer from virtually any part of the world, instantly.

Business Benefit

Receives money in local currency next day
Pre-established Forex rate management
Significantly reduced cost of transaction
Reconciled report

Customer Benefit

Local account payment
No complex Forex rate management
Zero cost of transaction

Corporate Expense Management

Airpay’s Corporate Expense Management solution provides a single dashboard to manage all your invoices; Whether it is vendor invoices or monthly utility bills. You can select and pay all of them with a single click. Make your vendors part of the same ecosystem to push out payments. Generate invoices with payment links for your customers and track the payments. Multi-level access system to keep your information secure with maker-checker capabilities.

Push Payments

Corporate can upload and pay invoices in bulk.

Pull Payments

Vendors can upload their invoices & the corporate can approve make payments.

Invoice Notifications

Receive push notification for your utility bills as and when they are generated.

Intuitive workflow process for end to end operations

Vendor / Supplier Registration Portal
Web based Interface
Quotation & Invoice Upload
Maker & Checker Rules
Real time Payments
MIS &
Dashboard

Features

Utilities

Console to aggregate all the utilities bill payments for across geographies using any payment instrument by a single click.

Taxes

A single interface to pay your State & Central government taxes.

Expense Management

Employees submitting too many reimbursement receipts? Simplify the employees expense management giving a better visibility on the spends and the expense heads. PartnerPay helps Employees comply with company policies in addition to a managing manager approvals.

Working Capital

Manage your working capital by leveraging your accounts receivable for on the fly credit. Negotiate better payment terms with your Vendors through bill discounting.

Hospitality

Hospitality is really all about experiences

Give your customers a pleasant payment experience with Airpay’s suite of products designed to make hotel payments a breeze.

Industry Challenges:

Accepting payments across all channels and multiple reconciliation hassles
Creating experiences to cater to the millennials
Loyalty management that goes beyond just points
Monitor productivity across properties in real-time
Call-centre unable to accept digital payments from customers

Internet booking engine
Channel Manager
F&B system & PCPoS
Property management system & CRS
Call centre solution
ERP

Online & face-to-face integrated payment solution that accepts payments using any payment instrument – past, present and future. Get one single reconciliation with a real-time dashboard that helps you track productivity, manage loyalty & campaigns and improve overall customer experience.

Airpay works in tandem with all existing units in the ecosystem:

Internet booking engine
Channel manager
F&B system & PCPoS
Property management system & CRS
Call centre solution
ERP

Internet booking engine
Channel Manager
F&B system & PCPoS
Property management system & CRS
Call centre solution
ERP

Education

School fee collection made easy

Reduce the administrative burden on the school and start collecting fees digitally with Schoolpay – an end-to-end admission management platform.

Industry Challenges:

Accepting payments across all channels and multiple reconciliation hassles
Creating experiences to cater to the millennials
Loyalty management that goes beyond just points
Monitor productivity across properties in real-time
Call-centre unable to accept digital payments from customers

ERP
Website
Mobile App

Airpay works in tandem with all existing units in the ecosystem:

ERP
Website
Mobile App

ERP
Website
Mobile App

Retail

Quick, hassle-free digital payments

Retail is today an omni-channel experience and so is Airpay. Whether in-store or online, help your customers pay you digitally.

Industry Challenges:

Customers are omni-present – in store & online
Only option of payment in-store is cash or card
Multiple partners for online payments & PoS machines – reconciliation hassles

ERP
Website
Mobile App
Call centre solution

Whether online, in-store, card present or card not present – Airpay has a payment interface across all of these. Pamper your customers with the convenience of paying with their instrument of choice, all with just one integration with Airpay.

Airpay works in tandem with all existing units in the ecosystem:

ERP
Website
Mobile App
Call centre solution

ERP
Website
Mobile App
Call centre solution

BFSI

One payment – multiple ways to do it

You have feet on street, a call centre & a website for payment collections. Bring all of this under one roof with our omni-channel payment solutions – PoS, ePoS & SMS payment link.

Industry Challenges:

Customers willing to pay but payments are cumbersome, cash-based and unintuitive
Customers want more and more options for payments meaning working with multiple payment partners
Feet-on-street have to make repeated trips for cheque collection

ERP
Website
Mobile App
Call centre solution

Your feet-on-street can now accept digital payments with PoS & ePoS, website can have one click payment and call-centre can send out a payment link on SMS at the end of the call. Airpay’s solutions will make payment collection a delight with access at every touchpoint - increase collections and reduce reminders to your customers.

Airpay works in tandem with all existing units in the ecosystem:

ERP
Website
Mobile App
Call centre solution

ERP
Website
Mobile App
Call centre solution

Logistics

One to many & many to one!

You manage logistics & we manage the logistics of payments for you. Whether its customers paying you for services or you are paying your multiple vendors.

Industry Challenges:

Fragmented customer base paying you and an army of truckers & vendors to pay-out
Heaps of paper and a lot of cash circulating in the system
Reconciliation of accounts is never perfect

ERP
Website
Mobile App
Call centre solution

Make a single payment on the platform and Airpay reconciles the payment to your multiple vendors according to rules set by you. Make the whole life-cycle – from PO to payment – paperless & cashless with Partnerpay and collect payments from your customers through any instruments with our other offerings.

Airpay works in tandem with all existing units in the ecosystem:

ERP
Website
Mobile App
Call centre solution

ERP
Website
Mobile App
Call centre solution

Banks

Zero investment, multiple returns!

Our white-label payment solutions make sure that your customers always have the best-in-class payment solutions available to them. Give them more opportunities to transact and increase your CASA floats.

Industry Challenges:

Merchants with CASA float want payment services from your bank but cost associated with developing the solutions is high and man-power intensive
Multiple partners for each payment service
No transparency in leads shared and converted
Account holders moving to other banks to avail digital payment services

ERP
Website
Mobile App
Lead Management Software

Airpay becomes your white-label payments partner and offers all the payment services to your merchants – PoS, ePoS, payment gateway, Schoolpay, Hotelpay, etc. The bank can thus retain the merchant and increase his transactions through more touchpoints. Airpay’s Lead Management System gives complete transparency and real-time update on the leads shared.

Airpay works in tandem with all existing units in the ecosystem:

ERP
Website
Mobile App
Lead Management Software

ERP
Website
Mobile App
Lead Management Software

About Us

We built a payments platform from the ground up to help fast-growing businesses

2018-19

Shift from SME to enterprise introduced sector-wise solutions

2017-18

Tested platform with SME & MSME PCI-DSS certification

2016-17

Launched consumer and corporate credit products introduced QR based payments introduced tokenization launched vendor payment solution

2015-16

Omni-channel offering completed POS acceptance cash collection

2015-14

Shift from SME to enterprise introduced sector-wise solutions

2014-13

Tested platform with SME & MSME PCI-DSS certification

2012-13

Established built proprietary platform

Contact Us

#SquadGoals

RANGE OF PERKS

At Airpay, we support our employees to be the best version of themselves. We bring together employees from varied backgrounds under one roof and create their growth path and an opportunity for them to grow along with the organisation. Our flat organization structure is built on a culture of early responsibility and employees are empowered with freedom to fulfil their aspirations and maximize their true potential. With our constant endeavour to strike a work life balance, we encourage flexi working hours to manage their work & life well.