AutoPe Payment Solutions

What AutoPe Payment Solutions does

AutoPe Payment Solutions is a privately held Indian fintech founded in 2006 and headquartered in Gurgaon, incubated under the Amity Innovation Incubator. The company operates a transit-focused digital mobility platform that combines smart payments, smart card issuance, and physical locker infrastructure deployed across Indian metro networks. Its three core products are: (1) DMRC Auto Top-Up Smart Cards — the only privately issued Delhi Metro Smart Cards, which automatically recharge via linked bank/card/UPI accounts when balances fall below Rs. 100; (2) IRCTC Autopay — a lien-based payment system for the national railway booking platform that creates a temporary hold on funds and delivers refunds within 30 minutes versus the standard 5-7 working days, with real-time reward point redemption; and (3) Smart Lockers — OTP/QR-accessed digital lockers deployed at metro stations for personal storage and e-commerce parcel delivery, with 996+ units across 12 Mumbai Metro One stations.

The company's business model is transaction-fee and usage-based: revenue is generated from processing digital payments across metro transit systems, smart card issuance and auto top-up transactions, and smart locker rental for commuter storage and last-mile logistics. AutoPe distributes primarily through direct partnerships with government transit authorities (DMRC, Mumbai Metro One, IRCTC) and through its website (autope.in). Its primary customer segment is urban metro commuters, with a secondary segment in e-commerce and logistics providers seeking delivery points at high-traffic transit hubs.

For FY 2025-26, AutoPe reported revenue surpassing INR 100 crore (~USD 12 million), corroborated by multiple news sources. The company employs 51-100 people and operates exclusively in India. Its strategic positioning rests on regulatory exclusivity with DMRC, embedded infrastructure partnerships with major metro operators and IRCTC, and a product portfolio that addresses friction points in the Indian urban commuter journey — automated card top-ups, instant refunds, and secure storage.

Name

AutoPe Payment Solutions

Legal name

Autope Payment Solutions

Website

https://autope.in

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

51–100 employees

Short description

AutoPe Payment Solutions is an Indian fintech that operates a transit-focused digital mobility platform, offering auto top-up Delhi Metro Smart Cards, lien-based instant-refund payments for IRCTC rail bookings, and smart locker infrastructure at metro stations for commuters and e-commerce logistics.

Ownership category

akta.pro rank

Headquarters

HQ city

Gurugram

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Digital Mobility Transaction Fees: Revenue generated from processing digital payments and transactions across metro transit systems. Driven by increased transaction volumes through metro integrations and multimodal transport solutions.
2. Smart Card Issuance and Auto Top-Up: Revenue from DMRC Smart Card issuance and automatic top-up transactions. Includes monthly payment cycle option for selective users converting prepaid to post-paid model based on credit history.
3. Smart Locker Services: Revenue generated from smart locker deployments at metro stations, serving commuters for personal storage and e-commerce parcel deliveries.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

AutoPe Payment Solutions is a transit-focused fintech company that builds digital mobility and payment platforms for Indian urban commuters. Its core offerings include DMRC Auto Top-Up Smart Cards with automatic balance recharge, IRCTC Autopay with instant refund processing via lien-based payments, and Smart Locker deployments at metro stations for secure storage and e-commerce parcel delivery.

Product overview

AutoPe Payment Solutions is a fintech company building scalable technology solutions in smart payments and urban mobility. The company offers three core products: Smart Lockers (digital parcel lockers at metro stations for secure storage and e-commerce deliveries), DMRC Auto Top-Up Smart Cards (automatic balance recharge for Delhi Metro cards, with AutoPe being the only private authorized issuer), and IRCTC - Autopay (instant refund processing and reward points redemption for railway bookings). These products work together to provide seamless urban mobility and payment solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Smart Lockers Digital lockers deployed at metro stations providing secure, OTP/QR-code-accessed storage for personal belongings and parcel delivery services. Lockers are customizable to fit items such as backpacks, laptops, files, and groceries, and are designed for daily commuters and e-commerce logistics providers.
• DMRC Auto Top-Up Smart Cards Delhi Metro Smart Cards with automatic balance recharge, where a Rs. 200 top-up is initiated at the AFC gate whenever the card balance falls below Rs. 100. AutoPe is the only private institution authorized to issue these cards besides DMRC itself, and offers free home delivery, card personalization, transaction history, and a credit-history-based monthly payment cycle.
• IRCTC Autopay Payment solution for IRCTC railway bookings that creates a temporary lien on the user's Bank/Card/UPI account during payment processing. Funds are only debited if the PNR is generated; otherwise the lien is removed instantly, enabling refunds within 30 minutes versus the standard 5-7 working days. Also supports real-time reward points redemption on UPI, debit, and credit cards.

Quantifiable outcome

• Revenue exceeded INR 100 crore in FY 2025-26
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Mumbai Metro OnecoreStrategic or Co-development Partner · 25 November 2025AutoPe launched over 996 smart lockers at 12 Mumbai Metro One stations in partnership, targeting approximately 500,000 commuters. The lockers are integrated into Mumbai's transit system, offering secure storage and parcel delivery services to enhance urban mobility and last-mile logistics.
• Delhi Metro Rail Corporation (DMRC)coreStrategic or Co-development PartnerAutoPe is the only private institution authorized to issue Delhi Metro Smart Cards besides DMRC itself. The partnership enables AutoPe to provide Auto Top-Up Smart Cards with automatic balance recharge functionality.
• IRCTCcoreTechnology or IntegrationIntegrated Autopay feature on IRCTC's platform that eliminates payment failure hassles through a lien-based payment system. Provides instant refunds within 30 minutes and real-time reward points redemption for railway bookings.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Paytm: Paytm operates one of India's largest digital payment and wallet platforms with established transit integrations including metro payments and UPI-based ticketing. It competes broadly with AutoPe in transit payments and commuter wallets, but as a much larger multi-vertical fintech rather than a transit-specialist.
• PhonePe: PhonePe is a leading Indian UPI and digital payments platform that increasingly integrates with transit operators for ticketing and recharge. While not transit-specialized, its scale and consumer reach make it a direct substitute for AutoPe's auto top-up and payment processing offerings.
• Delhivery: Delhivery is a major Indian third-party logistics and last-mile delivery provider with its own parcel locker and pickup infrastructure. It is comparable to AutoPe as it operates locker and delivery infrastructure at scale across urban Indian markets, including transit-adjacent locations.
• FreeCharge: FreeCharge is an Axis Bank-owned Indian digital payments platform historically known for mobile recharge and bill payments, including metro card top-ups. It is comparable to AutoPe as a competing prepaid payment and recharge channel for Indian transit and utility customers.

Direct peers

• Amazon Hub Locker: Amazon's Hub Locker network is a global smart locker system enabling secure parcel pickup and returns in high-traffic locations. It directly competes with AutoPe's smart locker product for e-commerce last-mile delivery at metro and urban transit nodes.
• InPost: InPost operates one of the largest automated parcel locker networks globally, deployed in high-footfall locations including transport hubs. Its business model of locker-as-pickup-point for e-commerce and consumer storage directly mirrors AutoPe's smart locker offering at metro stations.
• IRCTC iPay: IRCTC's own payment processing service for railway ticket bookings is the incumbent alternative to AutoPe's IRCTC Autopay feature. Both target the same user pain point of failed transaction refunds during Tatkal and regular railway bookings on IRCTC's platform.

Regional players

• Namma Yatri: Namma Yatri is an Indian open-mobility platform serving daily commuters with digital payments for auto-rickshaw and transit services. While focused on ride-hailing rather than metro smart cards, it competes for the same urban commuter digital payments wallet in Indian cities.
• Dunzo: Dunzo is an Indian on-demand delivery and last-mile logistics platform serving urban consumers and merchants. It overlaps with AutoPe's smart locker and last-mile delivery use case, particularly in connecting transit stations with commerce and parcel drop-off.

Emerging players

• Mobycy: Mobycy is an Indian dock-less micromobility and urban mobility startup focused on shared bicycles and last-mile transit connections. While its product is different, it shares AutoPe's focus on Indian urban multimodal commuting and last-mile transit integration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/official_AutoPe

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

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 AutoPe Payment Solutions