Bringing formal banking to every retail counter in India
Pay4done is a retailer-first Domestic Money Transfer and AEPS platform, built to close the distance between India's banked cities and its underbanked towns — one shop counter at a time.
25,000+
Active retailers
₹1,200 Cr+
Transacted annually
99.8%
Success rate
Our Story
Millions of Indians in small towns and semi-urban markets still travel long distances or wait in bank queues for basic transactions — sending money home, withdrawing cash, paying a bill. Pay4done was built to close that gap by turning the local kirana store, mobile shop, or CSC counter into a full-service banking point.
₹1,200 Cr+ moved through Pay4done retail counters last year — money that once meant a trip to the nearest bank branch.
What started as a simple money-transfer counter has grown into a complete retail fintech platform — spanning Domestic Money Transfer, AEPS, Aadhaar Pay, recharge and bill payments, and micro-insurance — all running on a single retail ID and a single wallet, so retailers spend less time managing apps and more time serving customers.
Our Mission
To make formal financial services accessible from every neighbourhood counter in India — so no one has to travel far, wait long, or pay extra for the money they've already earned.
Our Vision
A retail network where every kirana store, mobile shop and CSC counter is also a trusted banking point — powering financial inclusion for the next billion Indians.
What We Do
Six services, one retail ID. Every Pay4done retailer runs a full suite of financial services from one counter, one login, and one wallet — instead of juggling a different app for each.
Domestic Money Transfer
Send money to any bank account in India instantly via IMPS/NEFT, with real-time status and a receipt for every transfer.
AEPS
Aadhaar-enabled cash withdrawal, balance enquiry and mini statements — no card or PIN needed at the counter.
Aadhaar Pay
Accept biometric payments from customers and settle merchant transactions directly to your account.
Recharge & Bill Payments
Mobile, DTH, electricity, water and broadband payments across every major operator and biller.
Micro ATM
Turn your counter into a cash-out point with a portable card-reader device for card-based withdrawals.
PAN & Insurance Services
Instant PAN card applications and micro-insurance products as additional counter revenue.
Our Journey
From a single money-transfer counter to a nationwide retail network.
Pay4done founded
Started with a simple goal: bring formal money-transfer access to India's underserved retail counters.
AEPS & Aadhaar Pay launched
Crossed 5,000 active retailers as biometric cash-out went live across our network.
Multi-state expansion
Grew to 15+ states and added recharge and bill payment services to the platform.
20,000+ retailers
Crossed ₹800 Cr+ transacted annually with daily settlement across our partner bank network.
Where we are today
25,000+ active retailers, ₹1,200 Cr+ transacted annually, and a 99.8% transaction success rate.
Our Values
The principles that shape every product decision we make.
Trust
Every transaction runs on RBI-compliant, bank-grade infrastructure — because handling someone else's money is a responsibility, not just a feature.
Transparency
No hidden slabs, no fine print. Retailers see exactly what they earn, and customers see exactly what they pay.
Speed
From onboarding to settlement, we design for same-day — waiting shouldn't be the cost of formal banking.
Inclusion
We build for the retailer in a small town as seriously as the one in a metro — financial access shouldn't depend on your pin code.
Ready to grow your shop's income?
Join 25,000+ retailers already earning daily commission with Pay4done. Onboarding takes less than 10 minutes.