Three ways to work with Payonclick India
| Route | What it is | Suits |
|---|---|---|
| Partner APIs | BBPS, recharge, DMT, AEPS, Micro ATM, UPI cash withdrawal and verification APIs, signed and called from your servers | Fintech apps and software companies with developers |
| White-label platform | The Payonclick platform rebuilt under your brand, with an admin panel, a portal, an Android app and the source code | Distributors and founders launching their own network |
| Custom software | Modules, integrations or products built to your specification | Businesses with their own software or specific needs |
Service availability at a glance
| Service | Partner API | White-label module | Custom build |
|---|---|---|---|
| BBPS / Bharat Connect bill payment | Live | Yes | Yes |
| Verification | Live | Yes | Yes |
| DMT money transfer | Live, supported banks | Yes | Yes |
| PPI wallet fund transfer | White-label and custom | Yes | Yes |
| Mobile recharge | Live | Yes | Yes |
| DTH recharge | Live | Yes | Yes |
| AEPS | Live, with cash deposit | Yes | Yes |
| Micro ATM | Live, Android SDK | Yes, Android | Yes |
| UPI cash withdrawal | Live | Yes | Yes |
| Payouts | White-label and custom | Yes | Yes |
| Dynamic UPI QR | Inside UPI cash withdrawal | Inside UPI cash withdrawal | On your bank or aggregator |
| CMS / loan EMI collection | Through the BBPS Loan Repayment category | Not included | With the lender |
In a white-label or custom build, regulated services run on your own contracts with banks, aggregators and operating units.
Retailers, CSPs and distributors
Shop owners who want to offer AEPS, Micro ATM, UPI cash withdrawal, wallet fund transfer, recharge or bill payments at their counter don't need an API. They register on payonclick.in and use the Payonclick app, and their guides are on the payonclick.in blog.
Payonclick India is operated by VVN MULTISERVICES INDIA Pvt. Ltd., Sirsa, Haryana, a technology and service provider and an NBBL-certified Bharat Connect Agent Institution. It is not a bank or a payment aggregator. Regulated transactions run through regulated banks, networks and partners under RBI and NPCI rules.