NPCI & UIDAI Integrated Authorized CSP & E-Governance Infrastructure Network
Toll-Free Support: 8509786150 • Operating under Class 36 (LB Digital of Bharat)
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Class 36 Operating Infrastructure

One Unified Portal for
Digital Banking, Tax & Utility Solutions.

Instant payments, seamless government compliance, and next-generation financial services across India.

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256-Bit Bank Security
Class 36 Regulated
Physical / Manual Verification
AEPS Withdrawal

₹2,500.00 • Cleared

BBPS Settlement

Instant Transaction Reciept

Paynoov Logo Paynoov CSP Merchant
Main Clearing Wallet
₹ 1,48,290.50 INR
Transaction Successful
NPCI Reference #7731992010
Domestic Transfer ₹ 8,500.00
e-KYC Verified (Aadhaar)

UIDAI Biometric Authentication Approved

Mantra / Morpho Micro-ATM
Core Ecosystem

Integrated Service Infrastructure

Six mission-critical pillars powering retail banking, utilities, government compliance, and credit across Bharat.

Coming Soon

1. Digital Banking

Interoperable rural & urban retail cash points

  • Aadhaar Enabled Payment System (AEPS)
  • Domestic Money Transfer (DMT 24/7 IMPS/NEFT)
  • Micro-ATM Instant Cash Withdrawals & Balance Inquiry
Coming Soon

2. Utility

All billers across 28 states on one console

  • Mobile & DTH Recharge (Jio, Airtel, Vi, BSNL, Tata Play)
  • Electricity, Municipal Water, Piped Gas & Broadband Bills
  • OTT Platform Digital Subscriptions & Fastag Top-ups
Coming Soon

3. Insurance

Affordable bite-sized financial protection

  • Health Insurance plans with cashless network access
  • Motor Insurance (2-Wheeler / 4-Wheeler Comprehensive & Third Party)
  • Retail Shop & Commercial Insurance
  • Device & Smartphone Electronics Protection
Coming Soon

4. Travel

Comprehensive corporate & retail ticketing

  • Authorized IRCTC Train Ticketing with Tatkal & Berth choice
  • Domestic & International Flights with agent commissions
  • Intercity Bus Bookings across 50,000+ routes
  • Budget & Luxury Hotel Reservations across India
● Available Now

5. Government & Tax

Digitized national tax compliance for merchants & citizens

  • NSDL PAN Service
  • Income Tax Return (ITR) Filing (ITR-1, 2, 3, 4)
  • GST Registration & Monthly/Quarterly Return Filing
  • MSME (Udyam) Registration & Business Certifications
Apply Mobile Lead →
Coming Soon

6. Neo Banking

Modern banking rails directly delivered to the counter

  • Instant Digital Bank Account Opening via video-KYC
  • Physical RuPay / Visa Debit Card Dispatch to address
  • Direct UPI Payment Integration & Soundbox issuance
  • Personal & MSME Working Capital Loans
  • Digital Fixed Deposits & Daily Gold Investments
99.9%
Uptime Guarantee
100%
Zero-paper Digital Workflow
256-Bit
Bank-Grade SSL Security
Instant
Agent Commission Settlement
Authorized Retailer Program

Transform Your Cyber-Cafe or Shop into an Authorized Paynoov CSP

Join 45,000+ merchants and CSC centers across India. Deliver essential digital banking, PAN cards, ITR filings, bill payments, and tickets while earning industry-leading tiered commissions with real-time settlement into your bank account.

Zero Security Deposit for basic tier
Instant biometric e-KYC onboarding
Official Paynoov CSP Certificate & Branding
Dedicated Relationship Manager support
Tiered Commission Slabs Live Surcharge Rates
Service Pillar Transaction Range Merchant Payout
AEPS Cash Withdrawal ₹3,000 – ₹10,000 Up to ₹13.50 / txn
DMT Money Transfer ₹1,000 – ₹5,000 0.45% Flat
ITR Filing (Tax) Assisted Retailing ₹120 – ₹450 / filing
BBPS Electricity/Gas Per Bill > ₹500 ₹2.50 + Cashbacks
IRCTC Train Booking Per AC PNR ₹40.00 / ticket
Frictionless Experience

How Paynoov Works: 3-Step Execution

Engineered for swift, secure, and fully auditable operations with zero physical paperwork.

01

1. Select Service

Choose between financial modules (AEPS, DMT), tax compliance (PAN, ITR, GST), or utility and BBPS services via our unified dashboard or counter terminal.

Instant Catalog Navigation
02

2. Submit Details

Enter consumer identifiers or beneficiary accounts. Enjoy complete paperless completion via biometric fingerprint validation or Aadhaar OTP authentication.

UIDAI & NPCI Secured
03

3. Instant Delivery

Receive real-time transaction confirmation, a unique tracking reference, and instant digital document or receipt download with SMS notification.

Audit-Ready PDF Receipts
✓
AEPS ₹3,500 Cash Withdrawal cleared in Patna CSP