Bijlipay

What Bijlipay does

Bijlipay, operated by Skilworth Technologies Pvt. Ltd., is an India-based merchant payment solutions provider headquartered in Chennai and incorporated in 2012, with its go-to-market brand launched in July 2014. The company serves over 60,000 MSMEs and small retailers across India through a portfolio of POS hardware devices (Android POS with NFC/4G/WiFi/Bluetooth, Paper GPRS POS, Digital GPRS POS, Sound Box), QR-based payment acceptance, Swipe4Cash Micro ATM services, and POS Loans referral financing. Its products support card networks (Visa, Mastercard, RuPay, American Express) and all major UPI apps (Google Pay, PhonePe, Paytm, BharatPe, WhatsApp Pay), with PCI-DSS, ISO 27001, ISO 9001, and PA-DSS certifications and Visa/Mastercard/RuPay network certifications.

Revenue is generated through three primary streams: transaction fees on card and QR payments (MDR-based), POS device hardware sales, and referral commissions on unsecured working capital loans (Rs 3–50 lakh, 6–24 month tenure) facilitated through partners including Lendingkart. Distribution operates through a 400+ service-oriented field sales force, an inbound contact center (1800 4200 235), website self-service, Google Play merchant app, and a channel network of 20+ bank partnerships (DCB, Equitas, Federal Bank, IOB, Saraswat, Ujjivan, SVC, AU Bank, Axis Bank) that drive outsourced merchant acquisition. The company operates from 9 regional offices spanning North, South, East, West, and Central India and remains a privately held, founder-led entity with $2 million in disclosed funding (October 2014).

Name

Bijlipay

Legal name

Skilworth Technologies Pvt. Ltd.

Website

https://bijlipay.co.in

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

Bijlipay is an India-based merchant payment solutions provider offering Android and GPRS POS hardware, QR-based UPI/card acceptance, Micro ATM services, and POS-backed working capital loans. It serves 60,000+ MSMEs and small retailers through a 400+ team and 20+ bank channel partnerships across India.

Ownership category

akta.pro rank

Product category

Merchant Payment Solutions

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industries

QR Code & Alternative In-Store Acceptance (QR, APMs) (FSAMADAH), mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB)

Keywords

• Merchant payment solutions
• POS terminal devices
• QR payment acceptance
• Micro ATM services
• Merchant working capital loans

Headquarters

HQ city

Chennai

HQ country

India

HQ region

Asia

Offices9 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Supply Chain

Revenue model

1. Transaction MDR (Merchant Discount Rate): Revenue earned from transaction fees on card payments processed through POS terminals. The company processes payments for merchants and earns a percentage of each transaction.
2. POS Device Sales: Sale of hardware POS terminals including Android POS, Paper GPRS POS, Digital GPRS POS, Sound Box, and Micro ATM devices
3. POS Loans (Working Capital): Unsecured business loans against POS receivables provided through partner financial institutions. Bijlipay acts as intermediary earning referral/commission fees.
4. QR Payment Processing: Revenue from QR code payment acceptance services including UPI and card payments with next business day settlement

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Bijlipay is an end-to-end payment solutions provider for merchants and financial institutions in India. It sells and deploys a range of POS hardware devices (Android POS, Paper GPRS POS, Digital GPRS POS, Sound Box), QR-based payment acceptance services supporting UPI and all major card networks, Swipe4Cash Micro ATM devices for cash withdrawal, and POS-backed working capital loans offered via partner financial institutions.

Product overview

Bijlipay is a payment solutions provider offering an integrated portfolio of POS hardware devices and digital payment services for merchants in India. The core product line includes four POS device types: Android POS (smart touchscreen device with NFC and multi-connectivity), Paper GPRS POS (traditional card machine), Digital GPRS POS (paperless digital receipt device), and Sound Box (UPI audio confirmation device). These hardware products are complemented by QR code payment solutions accepting multiple UPI apps and card networks, Swipe4Cash Micro ATM for cash withdrawal services, and POS Loans for merchant financing. GeeNee POS+ represents a sub-brand within the POS device range. The company serves diverse industries including retail, F&B, hospitality, e-commerce, healthcare, transport, and financial institutions, with over 60,000 customers and partnerships with 20+ banks across India.

Differentiator

Problem solved

Functional benefit

Products and services

• Bijlipay Android POS Next-generation Android-based smart POS device with full touchscreen, NFC contactless payment support for Visa/MasterCard/RuPay, 4G LTE/WiFi/Bluetooth connectivity, UPI QR and EMI support, and multi-application capability for merchants.
• Bijlipay Paper GPRS POS Traditional paper receipt-based GPRS card swiping POS device with dual SIM support, multi-operator compatibility (Airtel, Idea, BSNL, Vodafone), and rugged design for high-volume card processing merchants.
• Bijlipay Digital GPRS POS Touchscreen GPRS POS device that generates digital charge slips instead of paper receipts, eliminating paper rolls and servicing requirements while supporting wallet payments and loyalty features.
• Bijlipay Sound Box Audio alert device for UPI QR payments that provides real-time audio confirmation of successful transactions in multiple languages, with 4G connectivity and long battery life.
• Bijlipay QR Solutions QR code-based payment acceptance solution that enables merchants to accept UPI payments from Google Pay, PhonePe, Paytm, BharatPe, and WhatsApp Pay, plus card payments via Visa, Mastercard, RuPay, and American Express. Includes next-business-day settlement.
• Swipe4Cash Micro ATM Portable, low-cost Micro ATM device that enables merchants to offer cash withdrawal and balance enquiry services to customers using debit cards, generating additional footfalls and commission income for retailers with instant settlement.
• POS Loans (Working Capital) Unsecured working capital loan product offered in partnership with Lendingkart and other financial institutions, available to merchants with Bijlipay POS machines. Loan amounts range from Rs 3 lakh to Rs 50 lakh with tenure of 6 to 24 months, no collateral required, and funds disbursed within 4 business days of approval.
• GeeNee POS+ Sub-brand of Bijlipay offering multipurpose POS payment terminals for merchants to accept various payment methods.

Quantifiable outcome

• Trusted by 20+ Banks & over 60,000 customers in India
• +2 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

15 partnerships are on record, tiered core and secondary.

• DCB BankcoreChannel Partner/ Reseller/ DistributorBanking partner for merchant acquisition and payment processing services. DCB bank offers POS terminals and digital payment solutions to their merchant customers through Bijlipay.
• Equitas Small Finance BankcoreChannel Partner/ Reseller/ DistributorEquitas Small Finance Bank partners with Bijlipay for merchant POS deployment and digital payment acceptance services for their SME customers.
• Federal BankcoreChannel Partner/ Reseller/ DistributorFederal Bank utilizes Bijlipay POS solutions for merchant acquisition across their banking network in India.
• Indian Overseas Bank (IOB)coreChannel Partner/ Reseller/ DistributorIOB partners with Bijlipay for deploying payment acceptance infrastructure to their merchant base.
• Saraswat BankcoreChannel Partner/ Reseller/ DistributorSaraswat Co-operative Bank uses Bijlipay payment solutions for merchant services.
• Ujjivan Small Finance BankcoreChannel Partner/ Reseller/ DistributorUjjivan Small Finance Bank partners with Bijlipay for digital payment infrastructure for their MSME customers.
• SVC BankcoreChannel Partner/ Reseller/ DistributorSVC Co-operative Bank utilizes Bijlipay POS terminals for merchant payment acceptance.
• Andhra Bank (now Union Bank of India)secondaryChannel Partner/ Reseller/ DistributorFormer Andhra Bank partnership for merchant payment services, now part of Union Bank of India.
• AU BanksecondaryChannel Partner/ Reseller/ DistributorAU Bank partners with Bijlipay for POS and digital payment solutions.
• Axis BanksecondaryChannel Partner/ Reseller/ DistributorAxis Bank utilizes Bijlipay payment solutions for merchant acquisition.
• NPCI (National Payments Corporation of India)coreTechnology or IntegrationNPCI is the umbrella organization for all retail payment systems in India. Bijlipay integrates with NPCI networks for RuPay, UPI, and other payment rails.
• RuPaycoreTechnology or IntegrationRuPay is India's domestic card payment network. Bijlipay supports RuPay cards on all POS terminals for processing domestic card payments.
• VISAcoreTechnology or IntegrationVISA is the global payments technology company. Bijlipay is VISA certified to process international card payments on their POS terminals.
• MastercardcoreTechnology or IntegrationMastercard is a global payments technology corporation. Bijlipay supports Mastercard payments through their POS network.
• LendingkartcoreStrategic or Co-development PartnerFinancial technology company providing working capital loans. Bijlipay has partnered with Lendingkart to offer POS loans - unsecured business loans against POS receivables for merchants.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Pine Labs: India's leading POS terminal provider for merchants and enterprise retail, offering smart Android POS, payment gateway, and gift/loyalty solutions. Directly comparable to Bijlipay across product line, target merchant segments, and bank-partner distribution model.
• Mswipe: Direct competitor providing POS terminals, mPOS, QR payment acceptance, and merchant acquiring services to Indian SMBs. Operates similar bank-partner-led merchant acquisition model with comparable Android-based smart POS hardware.
• Innoviti Payment Solutions: Provides POS terminals, payment processing, and payment orchestration solutions to merchants and enterprises across India. Comparable product portfolio spanning Android POS, SoftPOS, and merchant analytics.
• Ezetap (PayU): Mobile POS and smart POS provider for Indian merchants, now part of PayU. Competes head-on with Bijlipay in serving SMB retailers with card-present acceptance devices.
• Paynear Solutions: India POS and merchant payment acceptance provider offering mPOS and smart POS devices to small merchants. Direct overlap in SMB merchant targeting and bank-distributed POS deployment.
• BharatPe: QR-first merchant payment and lending platform serving Indian SMBs with free QR acceptance and merchant loans. Competes directly with Bijlipay's QR Solutions and POS Loans products for the same MSME merchant.
• Razorpay POS: Razorpay's POS offering provides smart POS terminals and QR-based acceptance to Indian merchants, directly competing with Bijlipay's hardware and QR products in the SMB segment.

Broad incumbents

• Paytm (One97 Communications): India's largest digital payments platform offering QR, POS, payment gateway, and merchant lending. Overlaps with Bijlipay across QR acceptance and POS but operates at much greater scale and as a broader payments ecosystem.
• PhonePe: Dominant UPI-based merchant acceptance network in India. While not a traditional POS hardware provider, it directly competes with Bijlipay's QR Solutions business and increasingly offers merchant devices.
• Worldline India (Ingenico): Global payment terminal manufacturer and acquirer with operations in India. Provides Android and traditional POS hardware to merchants and banks, competing with Bijlipay in bank-channel POS deployments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bijlipayindia
• Facebookfacebook.com/bijlipay-skilworth-technolgies-997434400328403
• LinkedInlinkedin.com/company/bijlipay

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bijlipay