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Regulated Payment & Financial Infrastructure Services

Institutional-grade payment services for banks, financial institutions, and business correspondents through compliant channels.

Service Scope Notice: All services described on this page are available to authorised institutional partners, banks, business correspondents, and through approved consumer-facing channels. No guaranteed transaction volumes or outcomes are represented.

About Our Services

Payment Infrastructure Built for Institutional Partners

Services designed to enable regulated partners to extend last-mile financial services — structured around RBI, NPCI, and BBPS frameworks.

AePS
Service 01
AEPS

Aadhaar-Enabled Payment System

NPCI-operated payment framework enabling biometric-authenticated transactions. Quanture Calanytics facilitates AEPS to authorised business correspondents and partner institutions.

What It Is

Aadhaar and fingerprint-based cash withdrawals, balance enquiries, and mini statements at customer service points — no bank branch visit required.

Who It Is For

Authorised banks, business correspondents, and institutional intermediaries permitted under RBI and NPCI frameworks.

Compliance Framework

  • Operated under NPCI AEPS framework and guidelines
  • Biometric authentication via UIDAI-compliant channels
  • Partner KYC verification mandated before onboarding
  • Transaction limits as per applicable regulatory guidelines

AEPS Service Overview

Available transaction types and scope

  • Cash Withdrawal via Aadhaar Authentication
  • Balance Enquiry at Point of Service
  • Mini Statement Retrieval
  • Aadhaar-to-Aadhaar Fund Transfer (where permitted)
  • Partner Integration and API Connectivity
  • Transaction Reporting and Reconciliation
  • Dispute Resolution Support
Regulatory Reference: AEPS services are governed by the National Payments Corporation of India (NPCI) and operate within the framework established by the Reserve Bank of India for Business Correspondent operations.

DMT Service Overview

Fund transfer types and scope

  • Domestic Remittance Facilitation
  • Sender and Beneficiary Registration
  • IMPS-Based Fund Transfer
  • Per-Transaction Limit Compliance
  • Sender KYC Validation
  • Transaction History and Reporting
  • Refund and Dispute Management
Regulatory Reference: DMT operations are governed by applicable RBI guidelines on domestic money transfer, including transaction limit provisions and KYC obligations for payment service facilitators.
DMT
Service 02
DMT

Domestic Money Transfer

Regulated fund remittance within India, enabling individuals to transfer funds to bank accounts through authorised partner channels.

What It Is

Fund transfers from a sender's registered mobile to any bank account across India via IMPS, within prescribed regulatory transaction limits.

Who It Is For

Authorised banking partners, business correspondents, and payment service facilitators compliant with RBI guidelines.

Compliance Framework

  • Aligned with RBI guidelines on domestic money transfer
  • Mandatory sender KYC validation per transaction thresholds
  • Transaction limits per applicable regulatory provisions
  • AML monitoring on transaction flows
BBPS
Service 03
BBPS

BBPS — Utility Bill Payments

NPCI-operated integrated bill payment system. Quanture Calanytics facilitates BBPS services through its institutional partner network.

What It Is

Pay recurring utility bills — electricity, water, gas, telecom, DTH, and more — through a single, interoperable platform with instant confirmation.

Who It Is For

BBPS-authorised Operating Units, banks, and channel partners seeking compliant bill payment infrastructure.

Bill Categories Covered

  • Electricity Bills
  • Water Supply Bills
  • Gas Connection & PNG Bills
  • Telecom & Broadband Recharges
  • Direct-to-Home (DTH) Recharges
  • Other BBPS-Listed Billers

BBPS Service Overview

Capabilities and operational scope

  • Multi-Category Bill Fetch and Payment
  • Instant Payment Confirmation
  • Biller Integration across BBPS Network
  • Receipt Generation and Transaction Records
  • Partner API Integration
  • Settlement and Reconciliation Support
  • Customer Dispute and Query Support
Regulatory Reference: BBPS operations are governed by NPCI's Bharat Bill Payment System framework. All biller integrations and operating unit authorisations are subject to NPCI approval and applicable guidelines.

CMS Service Overview

Cash management capabilities

  • Cash Collection and Deposit Facilitation
  • Currency Distribution to Service Points
  • Cash Flow Monitoring and Reporting
  • End-of-Day Reconciliation
  • Vault Management Coordination
  • Cash-in-Transit Coordination Support
  • Audit Trail and Documentation
Regulatory Reference: Cash management activities are conducted in accordance with applicable RBI guidelines and the operational frameworks established by banking partners within whose regulatory scope CMS activities are conducted.
CMS
Service 04
CMS

Cash Management Services

Structured cash handling, collection, and distribution on behalf of institutional partners operating cash-based service networks.

What It Is

Systematic management of physical cash flows — collection, ATM replenishment, correspondent location servicing, reconciliation, and reporting.

Who It Is For

Banks, NBFCs, and institutional partners with distributed cash handling requirements.

Compliance Framework

  • Operated within banking partner authorisation scope
  • Full documentation and audit trail maintenance
  • End-of-day reconciliation with partner institutions
  • Currency handling per applicable RBI guidelines

Interested in Partnering With Us?

For service enquiries, partnership discussions, or due diligence requests, contact our team.

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