Give every household near you easy access to DBT funds, digital payments and essential banking services — without them travelling to a bank branch.
No working capital. No new hardware bill. You keep the shop you already run.
Aadhaar-based withdrawal, balance enquiry, mini statement and Aadhaar Pay on one screen. Customers stop walking kilometres for cash — and you earn on every transaction.
Same-day settlement. Live success-rate dashboard.
Banking, bills, recharge, insurance, travel, PAN and partner services — all on a single balance and a single login. Reconcile once, at the end of the day.
One app. Every service. Every commission in one ledger.
Real earning potential with one small one-time setup and zero working capital.
Prepaid cards, UPI QR and Aadhaar Pay, ready at your counter. Track every customer's udhaar in Customer Khata, our digital ledger, instead of a paper notebook.
Customers withdraw cash, deposit money, transfer funds, apply for a loan or start saving — from your shop. You join a network handling a million financial transactions a day, and you earn on every one you complete.
Every household pays EMIs and utility bills on a fixed cycle. Water, electricity, gas, DTH, mobile recharge and loan collections — handle all of it at your counter so nobody has to stand in a queue.
Fewer than 3 in 100 households in Bharat hold any insurance. Sell affordable health, motor and general cover to the families who already trust you — and earn respect alongside the commission.
Rail, flight, bus, hotel and holiday bookings at competitive rates through an IATA-approved travel partner. One more reason for customers to walk in — and one more commission per visit.
Issue paperless PAN cards and file returns for customers at your counter. Bring first-time filers into the formal financial system, and become the address people come back to.
Customers in small towns and villages are underserved on digital products as much as financial ones. Sell partner-brand products across ecommerce, gaming, education, music and video. Earn on every transaction.
Digital KYC, instant activation, no branch visit.
Multiple banking routes, so a failed switch doesn't cost you the sale.
A named person for your territory, not a ticket queue.
Works on an entry-level Android phone and a patchy 4G signal.
Everything that runs on the Xpress Money multi-channel platform.
Cash-to-account transfers from any Xpress Money CSP counter.
Book rail, flight and hotels and pay straight from your wallet.
Every biller on BBPS, available whenever your shutter is open.
Health, motor and general cover at entry-level premiums.
Xpress Money delivers payment services to underserved markets through a large agent network, built on a semi-closed wallet and a neo-banking platform. Agents offer Domestic Money Transfer (DMT), cash withdrawal, Mini ATM (AEPS), PAN card applications, travel booking, insurance, BBPS bill payment, Indo-Nepal remittance and more — all from one login.
You sign up with a different platform for every service, and stitch the day together yourself.
Log out, log in, re-check a balance, repeat — for each customer standing in front of you.
Separate balances, separate statements and separate commission slabs to chase at month end.
Every service you already sell, plus the ones you couldn't offer before, from the shop you already run.
Switch from a recharge to a cash withdrawal to a bus ticket without leaving the screen.
Every commission, every settlement and every failed transaction in a single statement.
The nearest ATM is eight kilometres away and it is empty half the month. Now people withdraw at my counter instead. My footfall doubled and the kirana sales came with it.
I was running three different apps and still failing DMT transfers at month end. One login fixed the mess, and I finally know what I earned without opening a notebook.
Onboarding took under ten minutes and I did my first AEPS withdrawal the same afternoon. Settlement reached my account before I shut the shop.
Insurance is what surprised me. Families here never bought a policy because nobody explained it. Now I sell two or three a week alongside the bill payments.
My relationship manager picks up the phone. That sounds small until a transaction is stuck and a customer is standing in front of you waiting for their money.
The app runs fine on my old phone even when the network drops to one bar. That matters more than any feature list where I live.