Live in 18 states · 24,000+ retail partners

Banking. Bharat.
Bharosa.

YBLPay turns the kirana, the mobile shop and the CSC next door into a full-service banking point. Cash withdrawals, money transfers, insurance and loans, delivered by a neighbour your village already trusts.

UIDAI-compliant AEPS NPCI rails Settlement under a minute
Rural shopkeeper assisting a customer with a biometric device at a kirana counter
AEPS ₹4,500 withdrawn via AEPS Settled in <60s · Sitapur, UP
Pan-IndiaReach across Bharat, Barmer to Bongaigaon
18+States and union territories covered
₹1,240 CrTransactions processed to date
31,000Villages served, growing every week

Tied up with leading banks & NBFC aggregators

Bank Partner
NBFC Aggregator
Payments Bank
Insurance Partner
Switch Provider
Lending Partner
Close-up of a fingerprint scanner on a shop counter
Aadhaar Services

Cash in hand with a fingerprint

AEPS balance checks, withdrawals and mini statements. No card, no form, no branch queue — the customer's thumb is the whole authentication.

Agent helping a customer send money home at a counter
Money Transfer

Wages home before dinner

IMPS and NEFT to any bank account in India, with an instant confirmation SMS the sender can show the family back home.

Why partners stay with YBLPay

Built for a shop with one counter, one phone, and a queue of neighbours waiting.

SEC

Bank-grade security

End-to-end encryption, PCI-DSS aligned infrastructure and audited access controls on every rail we touch.

<60s

Instant settlement

Commissions and float land in the partner wallet in under a minute, not at the end of the week.

भाषा

Truly inclusive

Vernacular-first app in 11 languages, voice prompts, and flows designed for assisted use at a counter.

₹

Earn more

Transparent commission on every service, plus footfall that turns into shop sales.

Services

One login. Six ways to serve your village.

View all services →
Aadhaar-enabled
Aadhaar Services (AEPS) Biometric banking, no card needed Let customers withdraw cash, check balance, get a mini statement and pay merchants using just their Aadhaar number and a thumb.
  • Cash withdrawal and balance enquiry
  • Mini statement printing
  • Aadhaar Pay for merchant collections
All Indian banksReal-timeUIDAI-compliant
Send money
Domestic Money Transfer Send money anywhere in India Instant bank-to-bank remittance for walk-in customers via IMPS and NEFT — wages home before dinner, with an SMS receipt for both sides.
  • IMPS credit in seconds, NEFT fallback
  • Beneficiary saved for repeat sends
  • Automatic refund on failed credit
IMPS/NEFTAll Indian banksInstant SMS
Card payments
Micro ATM Turn your counter into an ATM A portable, secure PIN-based POS terminal that lets any retailer accept debit cards and dispense cash — a card-swipe ATM that fits in a drawer.
  • Debit card withdrawal and balance check
  • PIN-based, EMV-certified terminals
  • Runs on a phone hotspot
Card + PINEMV certifiedPortable
Full banking
BC Banking Operate as a bank correspondent Open savings accounts with eKYC, take deposits and withdrawals, and disburse pensions and DBT — full banking, run from your shop.
  • Savings account opening with eKYC
  • Cash deposit and withdrawal
  • Pension and DBT disbursal
eKYCBank-tiedDBT ready
Protection
Insurance Cover priced for a village household Life, health, accident, two-wheeler and crop policies with cash premium collection — and claim assistance from a partner the family already knows.
  • Life, health and accident cover
  • Two-wheeler and crop policies
  • Claim assistance by the partner
IRDAI partnersCash premiumMicro-cover
Credit access
Loans Credit for customers banks miss Personal, business, gold and two-wheeler loan sourcing with a paperless application from the app, and commission on every disbursal.
  • Personal and business loans
  • Gold and two-wheeler loans
  • Paperless application from the app
NBFC networkPaperlessCommission
Nationwide impact

The last mile is where we start

Where the nearest branch is 30 km away, the nearest YBLPay point is 3 minutes away. Every new partner shop puts banking back within walking distance.

3 minAverage walk to a partner point
96%Settled on first attempt
11Languages in the partner app
"पहले लोग पैसे निकालने के लिए 30 किलोमीटर जाते थे। अब मेरी दुकान पर ही काम हो जाता है।"

"People used to travel 30 kilometres to withdraw money. Now it gets done right at my shop."

RY Ramesh YadavYBLPay partner · Sitapur, Uttar Pradesh
Doorstep banking in a village lane

Partner coverage, August 2026

Become a Partner

Your shop is already the centre of the village. Make it the bank too.

Onboarding takes a day. No franchise fee, no minimum float, and commission credited on every transaction.

Monday to Saturday, 9 AM – 8 PM · Support in 11 languages