Pay Point India Network Private Limited
Pay Point India operates Digi Khata, an RBI-approved prepaid digital wallet that issues interoperable UPI handles and RuPay cards to underbanked Indian consumers without requiring a traditional bank account, distributed via a multilingual app and pan-India Digi Kiosk retail network.
- Company typePrivate
- Founded-
- HeadquartersNot specified, India
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Pay Point India Network Private Limited does
Pay Point India Network Private Limited, operating under the brand name Digi Khata, is an RBI-approved issuer of Prepaid Payment Instruments (PPI) running a digital wallet platform that delivers an interoperable UPI handle without requiring a traditional bank account. The company serves underbanked and unbanked Indian consumer segments — explicitly Professionals, Students, Homemakers, and Elders — using a free prepaid digital account with zero minimum balance and 2-minute onboarding via Aadhaar-based KYC. Its core technical stack centers on PPI wallet issuance, UPI interoperability through a personalized handle and QR code, and physical RuPay prepaid card issuance with tap, swipe, and chip functionality, including a specialized DigiKhata Metro Card for transit access. Supporting infrastructure includes a multilingual mobile application and a pan-India Digi Kiosk franchise network that enables cash deposit, cash withdrawal, and assisted onboarding for users without smartphone access.
Pay Point India Network Private Limited firmographics
Firmographics- Name
- Pay Point India Network Private Limited
- Legal name
- Pay Point India Private Limited
- Website
- https://paypointz.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Pay Point India operates Digi Khata, an RBI-approved prepaid digital wallet that issues interoperable UPI handles and RuPay cards to underbanked Indian consumers without requiring a traditional bank account, distributed via a multilingual app and pan-India Digi Kiosk retail network.
- Ownership category
- akta.pro rank
Pay Point India Network Private Limited industry classification
Industry- Product category
- Prepaid Payment Instruments / Digital Payments
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- In-App / Online Checkout Wallets (FSAMAEAH)
- akta.pro secondary industries
- In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
Keywords
Where Pay Point India Network Private Limited is headquartered
LocationHeadquarters
- HQ city
- Not specified
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Pay Point India Network Private Limited business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Transaction Fees: Revenue generated from transaction processing including fund transfers, bill payments, recharges, and merchant payments
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Pre-paid Digital Account |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
Pay Point India Network Private Limited product offering
Product offeringCore offering
Pay Point India operates Digi Khata, an RBI-approved prepaid digital account (PPI wallet) that gives users a UPI handle and RuPay prepaid card without requiring a traditional bank account. The account is free, activates in approximately 2 minutes via app or Digi Kiosk, supports cash deposit and withdrawal through the kiosk network, and enables UPI payments, fund transfers, bill payments, recharges, metro transit, and merchant acceptance. The platform also provides business-facing solutions including Digi Vyapaar for merchants, a UPI API for enterprise integration, and co-branded prepaid card programs.
Product overview
Digi Khata is a unified prepaid digital account platform operated by Pay Point India Network Private Limited, offering an RBI-approved PPI wallet with UPI capabilities. The core product provides instant account activation in 2 minutes without requiring a traditional bank account, featuring zero minimum balance, RuPay prepaid cards, and multilingual mobile app access. The platform operates through a modular architecture with consumer-facing products (Instant UPI Account, Prepaid RuPay Card, Mobile App, Metro Card) and business solutions (Digi Kiosk retail network, Digi Vyapaar merchant tools, UPI API, Enterprise Solutions, Online Gateway). Additional services include Gift Cards, Expense Management, and Cobrand Pre-paid Cards. Target segments include Professionals, Students, Homemakers, and Elders, each served through tailored solutions while sharing the underlying prepaid account infrastructure.
Differentiator
Problem solved
Functional benefit
Brands
- Digi Khata UPI: UPI payment service allowing transactions without a bank account
- Digi Kiosk
- Digi Vyapaar
- Digi Khata Metro Card
- Digi Khata Gift Card
- Digi Khata Expense Management
- Cobrand Pre-paid Card
Products and services
- Digi Khata Prepaid Digital Account Free RBI-approved prepaid digital account (PPI wallet) that issues an interoperable UPI handle and a RuPay card without requiring a bank account. Customers can activate the account in approximately 2 minutes, load and withdraw cash at Digi Kiosks, and use it for UPI payments, fund transfers, bill payments, recharges, and merchant transactions. Targeted at Indian consumers who are unbanked, underbanked, or seeking a no-minimum-balance payment alternative.
- Instant RuPay Prepaid Card Physical RuPay-branded prepaid card issued instantly upon Digi Khata account activation. Supports tap-and-pay, swipe, and chip transactions at any RuPay-accepting merchant location and at metro stations, enabling offline and transit payments linked to the prepaid wallet balance.
- Digi Khata Metro Card Special-purpose prepaid card integrated with the Digi Khata wallet that enables tap-and-pay entry at metro stations and ticketless transit. Sold as a standalone card variant linked to the user's prepaid account balance.
- Digi Kiosk Network Retail agent network of neighborhood Digi Kiosks where customers can open Digi Khata accounts, complete paperless KYC using Aadhaar and PAN, and deposit or withdraw cash. Operated by partner agents under a franchise-like arrangement supported by Pay Point India's regional offices across India.
- Digi Vyapaar Merchant Solution Merchant solution for small businesses and retailers to accept digital payments through Digi Khata and manage day-to-day financial operations, including collections, disbursements, and expense tracking on top of the prepaid wallet infrastructure.
- Digi Khata UPI API API product that enables enterprise partners and platforms to integrate Digi Khata's UPI payment and prepaid wallet capabilities into their own systems, allowing third-party applications to issue interoperable UPI handles and accept or disburse payments through the Digi Khata rails.
- Digi Khata Gift Card Digital gift card product available through Digi Khata that lets customers purchase and send gift cards for various brands and occasions, with redemption handled through the prepaid wallet and partner merchant network.
- Cobrand Pre-paid Card Co-branded prepaid card program delivered in partnership with other brands, enabling customized card products with brand-specific benefits issued under Pay Point India's RBI-approved PPI framework.
Quantifiable outcome
- Instant account activation in 2 minutes
Companies that use Pay Point India Network Private Limited
Customer profileSegments4 records
Ideal customer profiles4 records
Pay Point India Network Private Limited technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
Pay Point India Network Private Limited partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights5 records
Pay Point India Network Private Limited competitors and assessment
Company assessmentDirect peers
- PhonePe: Leading UPI payments platform in India with a wallet, bill payments, and merchant acceptance. Directly competes with Digi Khata on UPI-based consumer payments and increasingly on financial-inclusion features.
- India1 Payments: ATM and payment services network in India with white-label ATM, AEPS, and prepaid wallet services. Comparable as a payments infrastructure player serving financial-inclusion segments via a retail partner network.
- FINO Payments Bank: Indian payments bank with a large agent/retailer network for cash deposit/withdrawal. Comparable to Digi Khata in serving the unbanked segment through a physical retail partner network and digital wallet.
- Google Pay India: Major UPI payments app in India with deep distribution through Android. Overlaps with Digi Khata on UPI interoperability, bill payments, and merchant QR payments.
- Freecharge (Axis Bank): PPI wallet and digital payments platform, now owned by Axis Bank. Comparable to Digi Khata in offering prepaid wallet services, bill payments, and recharges to Indian consumers.
- Amazon Pay India: Digital wallet and UPI payments offering from Amazon India. Directly competes on consumer digital payments, bill pay, and merchant acceptance with substantial parent-company backing.
- Airtel Payments Bank: Payments bank offering a digital wallet and UPI services to Indian consumers, particularly in semi-urban and rural areas. Comparable distribution and financial-inclusion positioning to Digi Khata.
- MobiKwik: Indian PPI wallet and digital payments company offering prepaid wallets, UPI, and lending products. Closest comparable to Digi Khata in being a primarily wallet-focused, RBI-licensed PPI issuer.
- Paytm (One97 Communications): India's largest PPI wallet and UPI payments app. Direct competitor offering a prepaid wallet, UPI payments, merchant acceptance, and similar financial-inclusion products, but at vastly greater scale and funding.
Broad incumbents
- JioPay (Reliance): Digital payments offering from Reliance Jio with UPI and wallet capabilities bundled into a much larger telecom and retail ecosystem. Adjacent competitor with substantially greater resources and distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Pay Point India Network Private Limited social profiles
Digital presencePay Point India Network Private Limited compliance and trust
Trust signalCompliance1 record
Pay Point India Network Private Limited financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pay Point India Network Private Limited leadership team
Management profileNumber of profiles
Pay Point India Network Private Limited funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pay Point India Network Private Limited 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 Pay Point India Network Private Limited
What does Pay Point India Network Private Limited do?
Pay Point India operates Digi Khata, an RBI-approved prepaid digital account (PPI wallet) that gives users a UPI handle and RuPay prepaid card without requiring a traditional bank account. The account is free, activates in approximately 2 minutes via app or Digi Kiosk, supports cash deposit and withdrawal through the kiosk network, and enables UPI payments, fund transfers, bill payments, recharges, metro transit, and merchant acceptance. The platform also provides business-facing solutions including Digi Vyapaar for merchants, a UPI API for enterprise integration, and co-branded prepaid card programs.
Is Pay Point India Network Private Limited a public or private company?
Pay Point India Network Private Limited is a private company. It is classified as unknown and is currently operating.
When was Pay Point India Network Private Limited founded?
Pay Point India Network Private Limited was founded in -1. It employs 1 to 10 people.
Where is Pay Point India Network Private Limited based?
Pay Point India Network Private Limited is headquartered in Not specified, India, in the Asia region.
How does Pay Point India Network Private Limited make money?
One revenue line is on record: transaction Fees.
Who are Pay Point India Network Private Limited's main competitors?
Direct peers on record are PhonePe, India1 Payments, FINO Payments Bank, Google Pay India, Freecharge (Axis Bank), Amazon Pay India, Airtel Payments Bank, MobiKwik and Paytm (One97 Communications). JioPay (Reliance) is listed as a broad incumbent.
Does Pay Point India Network Private Limited have an API?
Yes. Digi Khata UPI API is mentioned as a product offering for businesses, suggesting a UPI integration API is available for enterprise partners to integrate digital payment and wallet capabilities into their systems.
What industry is Pay Point India Network Private Limited in?
Pay Point India Network Private Limited's product category is Prepaid Payment Instruments / Digital Payments. Its primary akta.pro industry code is FSAMAEAH, In-App / Online Checkout Wallets, with a secondary code of FSAMADAF, In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless). Its NAICS code is 52232 and its SIC code is 6199.