01
Send money to any bank account
Customer gives you cash. You send it to their family by IMPS or NEFT. Limit is ₹5,000 per send and ₹25,000 in a month. You need their mobile, ID, and an OTP.
How it worksgfinpay · India
Banking services for kirana retailers.
Customers walk in with cash. You send money to a bank account, pay a bill, recharge a phone, give cash against UPI, or help them take an FD card. Add money to your wallet first — then serve the queue.
Used by retailers, distributors, and banks across India.
Bill pay, send money, cash, cards — from one gfinpay counter.
Send money (DMT)BBPS billsMobile & DTHFASTagLIC premiumAadhaar cashUPI to cash
What you can do at the retailer counter
Same services as a small bank counter. Run by someone the customer already knows.
Send money, pay bills, recharge, give cash, keep a wallet, and help with cards. You cannot go below zero. Every rupee is recorded.
02
Give cash with Aadhaar
Customer puts thumb on the machine. Money comes from their bank. You give cash from the retailer counter. We only keep last 4 digits of Aadhaar — never the fingerprint.
How it works
03
UPI to cash
Show a QR. Customer pays from PhonePe or GPay and enters UPI PIN. After it shows paid, give them cash. Maximum ₹5,000 at a time.
How it works
04
Your retailer wallet
Add money first, then do business. You cannot send more than the balance. If a transfer fails, the money comes back to your wallet.
How it works
05
Pay electricity and other bills
Customer brings a CA number or a policy number. You fetch the bill, take cash, and pay from your wallet. Electricity, water, gas, broadband, LPG, credit card, loan, education, and municipal — all on BBPS.
How it works
06
Mobile and DTH recharge
Airtel, Jio, Vi, BSNL, Tata Play, Dish TV. Pick a plan or type an amount. The wallet is debited before the operator is credited.
How it works
07
FASTag recharge
Enter the vehicle number. Some banks show the outstanding first. You pay from the wallet and hand over the receipt.
How it works
08
Collect an LIC premium
Fetch the premium on the policy number, then pay. Same wallet hold as a bill. Commission posts when it succeeds.
How it works
09
Help with an FD credit card
You collect ID and PAN. Customer puts money in a fixed deposit from their own phone. You never take that cash at the counter. The retailer earns a fee when the card is issued.
How it works
010
Retailers, distributors, and admin
Admin appoints distributors. Distributors add retailers. There is no public signup. Commission is split when a transfer succeeds.
How it worksA walk-in customer
Four steps. A few minutes.
1
Customer comes in
Cash in hand, or a UPI app open. They do not need a gfinpay account.
2
You take details
Mobile and ID for sending money. Name and mobile for cash. QR for UPI.
3
Wallet is locked
The amount is held in your wallet before the bank is called.
4
Done
When the bank confirms, you get a receipt. Your commission is added the same time.
How money is kept
Every rupee is written in a passbook that cannot be edited.
You add money to the wallet first. When you send, that amount is held. If the bank succeeds, it is taken. If it fails, it comes back. Commission is split when the transfer is successful.
Customers do not get a gfinpay wallet. Their money stays in their own bank.
Who uses gfinpay.
Retailer
You run the counter.
Phone on the table. Wallet on top. Send money, bills, recharge, cash, and cards — next to oil and SIM cards.
Distributor
You look after the area.
See retailers, balances, and your commission. You do not handle customer cash.
Bank / partner
You hold the licence.
You keep accounts and cards. We keep retailers, wallets, and a daily file you can match.
What we will not do
- Hold customer deposits or run a public app for everyone.
- Let a retailer send money on credit — wallet must have balance first.
- Let you collect FD cash at the counter.
- Allow anyone to sign up. Retailers are appointed.
What an auditor will find
- Monthly send-money limits locked so two sends cannot overshoot.
- Aadhaar last-4 only. No fingerprint stored.
- PAN last-4 only on the till.
- Day-end files that match the bank, not a screenshot.
If you run retailers or a bank rail — write to us.
We add distributors and retailers ourselves. There is no public signup. A person replies, not a bot.