Pay2All

Pay2All operates a retailer network offering recharge, bill payment, AEPS, UTI PAN card services and travel booking, with instant settlement and bank-grade security.

The service mix reflects what an Indian neighbourhood shop actually sells and is broader than recharge alone. AEPS, the Aadhaar Enabled Payment System, lets customers withdraw cash using their fingerprint and Aadhaar number, which turns a shop into a banking access point where no branch exists. PAN card services and travel booking are added because the same customer who tops up their phone also needs a tax number and a bus ticket, and the retailer earns commission on each.

Instant settlement is the operationally critical promise. A retailer floats their own working capital on every transaction, so money that takes days to arrive is money they cannot recycle into the next customer's recharge, and settlement speed effectively determines how much business a small shop can do.

The commercial terms are stated openly: flat 25 rupee cashback on a first recharge for new users, up to 2 percent back on electricity bills applied automatically every month, and the highest commission on AEPS and PAN services for retailers. There are no sign-up charges and retailers can request a callback. Published pricing runs at 899 and 24,999 rupees.