ABCM APP
ABCM APP Private Limited is a Mumbai-based B2B SaaS company that licenses a PCI-DSS Level 1 white-label payment gateway to Aggregators, Banks, PSPs and large enterprises, complemented by WaitNpay micro credit, ChatNpay WhatsApp collection, and bill-payment modules.
- Company typePrivate
- Founded2021
- HeadquartersMalad, India
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What ABCM APP does
ABCM APP Private Limited is a Mumbai-based B2B technology company that builds and licenses a SaaS-based payments and collections platform. Its core offering is a White Label Payment Gateway that enables Aggregators, Banks, PSPs, eCommerce companies and large enterprises to launch and operate payment infrastructure under their own branding — including custom logos, dashboards, and URLs — without building card-processing technology in-house. The platform is PCI-DSS Level 1 (v3.2.1) certified, with annual third-party QSA renewal and quarterly external vulnerability assessments, and is positioned as a fully hosted, market-ready service supporting rapid deployment.
Under the parent platform sit specialized sub-products and modules: WaitNpay (a micro credit deferred-payment modality positioned for cross-industry integration), ChatNpay (a WhatsApp-based utility and subscription collection service with one-click 'pay now' functionality), and Recharge/Bill Payment/Ticket Booking Services (consolidated utility bill, recharge, flight, and loan EMI payments). The platform also includes a DIY from Builder (ecaas) tool and a configurable router/balancer that lets clients self-configure payment routing and gateway workflows.
The company's business model is B2B SaaS licensing combined with transaction-based fees, sold quote-based through direct sales and demo requests, typically on multi-year contracts. Distribution is primarily OEM/embedded: ABCM APP powers the underlying payment rails while clients own the merchant-facing brand experience. Revenue is not publicly disclosed; the company is privately held, founder-owned (Santosh Purabia, formerly of AggrePay), and operates with 11–50 employees out of Malad West, Mumbai, claiming international reach via its white-label deployments.
ABCM APP firmographics
Firmographics- Name
- ABCM APP
- Legal name
- ABCM APP PRIVATE LIMITED
- Website
- https://abcmapp.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ABCM APP Private Limited is a Mumbai-based B2B SaaS company that licenses a PCI-DSS Level 1 white-label payment gateway to Aggregators, Banks, PSPs and large enterprises, complemented by WaitNpay micro credit, ChatNpay WhatsApp collection, and bill-payment modules.
- Ownership category
- akta.pro rank
ABCM APP industry classification
Industry- Product category
- Payment Gateway Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Software Publishers (513210)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Payment Gateways & Orchestration (BPAMAFAA)
- akta.pro secondary industries
- Biller Direct EBPP Platforms (FSAMAJAA), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)
Keywords
Where ABCM APP is headquartered
LocationHeadquarters
- HQ city
- Malad
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
ABCM APP business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Personnel, Marketing or Sales, Operations
Revenue model
- White Label Payment Gateway Licensing: ABCM APP develops White Label Payment Gateway solutions with customization, enabling clients to operate their own payment gateway. Revenue generated through SaaS platform licensing and transaction processing fees.
- Recharge and Bill Payment Services: Provides recharge services for phone bills, utility bills, flight tickets, loan EMIs enabling merchants to offer comprehensive payment services to their customers.
- WaitNpay Micro Credit Product: Micro credit payment solution allowing users to defer payments with dynamic integration capabilities across industries.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | White Label Payment Gateway - Custom Enterprise Solution |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
ABCM APP product offering
Product offeringCore offering
ABCM APP develops and licenses a SaaS-based White Label Payment Gateway platform that allows Aggregators, Banks, PSPs, eCommerce companies, and large businesses to deploy their own branded payment gateway quickly. The platform is complemented by Recharge/Bill Payment services, the WaitNpay micro credit solution, and the ChatNpay WhatsApp-based payment collection product. All components are hosted and maintained by ABCM APP, with PCI-DSS Level 1 compliant card processing infrastructure.
Product overview
ABCM APP is a SaaS-based payments and collections platform offering a unified portfolio centered around its White Label Payment Gateway (core product). The platform is complemented by specialized sub-products: WaitNpay (micro credit payment), ChatNpay (WhatsApp payment collection), and Recharge/Bill Payment/Ticket Booking Services (utility payments). The platform also features DIY from Builder (ecaas) for custom configuration. All products share the White Label Payment Gateway as their foundational infrastructure, with customization capabilities and white-labelled solutions allowing clients to deploy under their own branding.
Differentiator
Problem solved
Functional benefit
Brands
- WaitnPay: Digitally advanced version of micro credit payment option that is easy to understand by all age groups. Its dynamic nature gives wide range of scope to plug across all industries.
- ChatNpay
- AggrePay
Products and services
- White Label Payment Gateway Solutions A white-label payment gateway solution that enables Aggregators, Banks, PSPs, eCommerce companies, and large businesses to launch their own branded payment gateway with customization options and quick deployment.
- WaitNpay A digitally advanced micro credit payment option with dynamic nature, designed to be easily understood across all age groups and pluggable across industries for deferred payment use cases.
- ChatNpay WhatsApp-based collect payment service that allows users to pay utility bills and subscription payments with a single click, featuring a 'pay now' button and link creation with receiver account details.
- Recharge/Bill Payment/Ticket Booking Services A recharge product enabling consumers to pay phone bills, utility bills, recharges, flight tickets, and loan EMIs through a single point of contact, offered via merchants and ABCM APP's payment infrastructure.
Companies that use ABCM APP
Customer profileSegments4 records
Ideal customer profiles2 records
ABCM APP technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
ABCM APP partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
ABCM APP competitors and assessment
Company assessmentDirect peers
- Razorpay: India's leading payment gateway and merchant acquiring platform. Razorpay is the most direct competitor to ABCM APP's white-label payment gateway offering, serving banks, PSPs, and large enterprises with embedded payment infrastructure.
- PayU India: Naspers-owned payment gateway offering online payment acceptance, merchant solutions, and credit/lending products. PayU competes with ABCM APP in white-label payment infrastructure for banks and large enterprises in India.
- Cashfree Payments: India-based payment gateway and payouts platform offering payment aggregation, instant settlements, and white-label solutions. Comparable to ABCM APP in serving PSPs, banks, and enterprises with embedded payment products.
- CCAvenue: One of India's longest-running payment gateways serving merchants and enterprises with multi-method payment acceptance. Competes with ABCM APP in the core payment gateway and white-label OEM space.
- Instamojo: India-based payment gateway and merchant services platform serving SMBs and enterprises. Comparable to ABCM APP in offering payment gateway infrastructure with custom branding and developer-friendly tooling.
- Eko: India-focused fintech providing digital payment, banking, and merchant solutions with API-driven infrastructure for businesses. Comparable to ABCM APP in enabling embedded payment and collection services for partners.
Broad incumbents
- Paytm: India's largest digital payments and financial services platform offering payments gateway, wallet, banking, and merchant services. A broad incumbent whose payment gateway competes with ABCM APP in the enterprise and partner white-label segment.
- Stripe: Global payment infrastructure platform offering gateway, processing, and embedded financial products. Comparable as a broad incumbent in the white-label/embedded payments space ABCM APP targets, especially for international expansion ambitions.
- Pine Labs: India-based merchant commerce and payments platform offering point-of-sale, online checkout, and payment infrastructure for large enterprises. Comparable as an incumbent providing end-to-end payment and collection solutions.
Regional players
- BillDesk: India-focused bill payment aggregator and online payment platform. Comparable to ABCM APP's recharge and bill payment services offering, with similar target customers in utility and subscription collections.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
ABCM APP social profiles
Digital presenceABCM APP compliance and trust
Trust signalCompliance2 records
ABCM APP financial estimates
Financial estimateRevenue estimate
Valuation estimate
ABCM APP leadership team
Management profileNumber of profiles
Profiles1 record
ABCM APP funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ABCM APP M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ABCM APP
What does ABCM APP do?
ABCM APP develops and licenses a SaaS-based White Label Payment Gateway platform that allows Aggregators, Banks, PSPs, eCommerce companies, and large businesses to deploy their own branded payment gateway quickly. The platform is complemented by Recharge/Bill Payment services, the WaitNpay micro credit solution, and the ChatNpay WhatsApp-based payment collection product. All components are hosted and maintained by ABCM APP, with PCI-DSS Level 1 compliant card processing infrastructure.
Is ABCM APP a public or private company?
ABCM APP is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ABCM APP founded?
ABCM APP was founded in 2021. It employs 11 to 50 people.
Where is ABCM APP based?
ABCM APP is headquartered in Malad, India, in the Asia region.
How does ABCM APP make money?
Three revenue lines are on record. White Label Payment Gateway Licensing is the primary driver. The others are recharge and Bill Payment Services and waitNpay Micro Credit Product.
Who are ABCM APP's main competitors?
Direct peers on record are Razorpay, PayU India, Cashfree Payments, CCAvenue, Instamojo and Eko. Broad incumbents are Paytm, Stripe and Pine Labs. BillDesk is listed as a regional player.
Does ABCM APP have an API?
No public API is recorded for ABCM APP.
What industry is ABCM APP in?
ABCM APP's product category is Payment Gateway Software. Its primary akta.pro industry code is BPAMAFAA, Payment Gateways & Orchestration, with a secondary code of FSAMAJAA, Biller Direct EBPP Platforms. Its NAICS code is 522320 and its SIC code is 7370.