Complete service basket
Cash withdrawal and deposit (AePS), domestic money transfer on two vendors, bill payments (BBPS) and bank payouts — on one login.
Fintech Software One network. Every payment.
AePS, money transfer, bill payments and payouts for every counter — managed through one secure platform connecting Admin, Super Distributors, Distributors and Retailers, with a mobile app and live reports.
- Admin Console
- Super Distributor
- Distributor
- Retailer Panel
- Mobile App
- AePS
- DMT 1 & 2
- BBPS
- Wallets & Commission
4 role-based panels plus website and mobile app
160+ready-made screens across web and app
120+fine-grained permissions for roles
400+secure API endpoints behind the platform
Why FinTech
Everything a counter needs, one platform to run it.
FinTech connects every layer of a retail-services business: the company, its partners and the shopkeepers who serve customers. Each user sees exactly the tools they need — nothing more.
Built for networks
Super Distributor → Distributor → Retailer hierarchy with wallets, credit/debit and commission split automatically at every level.
Money you can trace
Every rupee is in a wallet ledger. Per-service reports and one merged All Services report with filters and export.
Secure by design
Role permissions, transaction PIN, trusted devices, quick login on the app, live service switches and a full audit log.
Works on any device
Responsive panels for desktop, tablet and phone, plus a dedicated Retailer mobile app with PIN or biometric login.
Live and guided
Real-time alerts, step-by-step flows and clear messages when a bank or fingerprint scanner needs attention.
A day with FinTech
One system, from the first top-up to the evening review.
- 9:00 · Top-up
The retailer tops up the wallet; the admin approves the request.
- 10:30 · AePS
A customer withdraws cash with Aadhaar and fingerprint.
- 12:00 · DMT
A remittance goes to a bank account through domestic money transfer.
- 14:00 · BBPS
Electricity and mobile bills paid in seconds.
- 16:00 · Commission
Commission splits to Retailer, Distributor and Super Distributor.
- 18:00 · Review
The admin reviews dashboards, tickets and reports.
The platform at a glance
Four panels. One source of truth.
Every audience gets an interface built for their job. All of them share the same users, wallets, services, commissions and reports — so nothing is typed twice.
Admin console · 55 screens
- Controls partners, services, commissions and security
- Users, approvals, wallets, reports, API vendors, announcements and audit
Super Distributor panel
- The regional network owner
- Distributors, wallet credit/debit and network reports
Distributor panel
- Builds the retailer base
- Retailers, wallets, top retailers and commission view
Retailer panel · 28 screens
- Serves customers at the counter
- AePS, DMT 1 & 2, BBPS, settlement, wallets, reports and support
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One secure core
API · SQL Server database · real-time hub
400+ secure API endpoints and 300+ stored procedures keep every panel and the mobile app in step, with live notifications for tickets, top-ups and wallet changes.
Admin console · Operations
Run the whole network from one screen.
A live dashboard, partner onboarding, approvals, wallet top-ups and support — for the head-office team.
People
- Create Super Distributors, Distributors and Retailers
- KYC documents and approvals
- Credentials and PIN resets
Wallets
- Top-up requests and bank accounts
- Credit / debit, wallet-to-wallet (W2W) and lien
- Wallet types and reports
Support
- Ticket inbox with assignment
- Live chat replies
- Broadcast announcements
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Admin console · Control & security
Your rules, your vendors, your audit trail.
Configure services, commissions and access without a developer — and see who changed what.
Vendors and providers
- Switch API providers per service
- Live, Sandbox and Simulated modes
- Credentials stored securely
Live service switches
- Turn a service or capability on or off for a panel instantly
- Require email OTP at login
Roles & permissions
- Employees and roles with tick-box access
- Per module and action, across all panels
Commission slabs
- Amount-range slabs per service
- Split between Retailer, Distributor and Super Distributor
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Transaction PIN
Required to authorise money movement, with a per-user switch.
Trusted devices
Quick PIN or biometric login on approved phones only.
Full audit
A searchable history of admin changes — who, what and when.
Capability gates
Disable a service live, without redeploying.
Super Distributor & Distributor panels
Grow the network, fund the counters.
Partners onboard their own downline, move wallet balance down the chain and watch performance — each inside their own colour-coded panel.
Super Distributor
- Create and manage Distributors
- Credit / debit distributor wallets with transaction PIN
- Top-up requests to the company and W2W transfers
- Reports: own wallet, DS wallet and credit summaries
- Earns its share of commission on every downline transaction
Distributor
- Create and manage Retailers
- Credit / debit retailer wallets instantly
- Top-up requests, W2W and wallet summaries
- Retailer wallet and credit reports
- Earns its commission share and sees top retailers
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Retailer panel · Services
Five services, one counter.
Everything a customer asks for — cash, transfers, bills — from a clean panel with live wallet balances in the header.
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AePS 1
Cash withdrawal and deposit, balance enquiry, mini statement and merchant eKYC with Aadhaar and fingerprint.
DMT 1 & DMT 2
Domestic money transfer on two vendors: sender, recipients, fee preview and OTP-confirmed transfer.
BBPS 1
Electricity, mobile, DTH, FASTag, credit card, gas, water and more, with trending-service tiles.
AePS Settlement
Send wallet money to any bank account by IMPS, NEFT or RTGS with a live fee quote.
Account verification
Optional bank-account check built into recipient and payee forms.
Reports
One report per service and a merged All Services report with filters and export.
Light and dark themes
Every panel works in light and dark mode, so counters stay readable all day.
Wallet top-up with receipt
Retailers request a top-up with bank details and a receipt upload; the admin approves it.
AePS 1
Cash services with Aadhaar and fingerprint.
A guided, bank-grade AePS flow: customer details, fingerprint scan, result — with clear help when anything needs attention.
One AePS hub
- Cash withdrawal and cash deposit
- Balance enquiry and mini statement
- Merchant eKYC with status tracker and bank activation steps
- Aadhaar entry grouped 4-4-4 with a validity tick and quick amounts
When a scan fails, the retailer is told what to do
- Scanner not found — plug in the device, wait for the light, check the RD Service
- Print not read — clean the glass and finger, press flat and firm, try another finger
- Retry in one tap — no pop-ups, no lost form data
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Aadhaar input
Paste-friendly, checksum warning and last-4 masking — the Aadhaar number is never stored.
Daily biometric login
A fresh fingerprint 2FA once a day before transacting.
Merchant eKYC
Guided onboarding with a status tracker and bank activation steps.
AEPS wallet
Commission credited to its own wallet, visible on every page.
DMT 1 & DMT 2 · BBPS 1
Transfers and bills, in a few taps.
Step-by-step flows with a live summary beside the form, so the retailer always knows the fee and the wallet balance after payment.
Domestic money transfer
- Sender → Recipient → Send money
- Register once, then pick saved recipients as cards
- Six-digit OTP with auto-advance and paste, plus fingerprint where the vendor requires it
- DMT 1 and DMT 2 run side by side, so a counter is never blocked by one provider
Bill payments (BBPS), powered by Bharat Connect
- Trending tiles for electricity, mobile, DTH, FASTag, credit card, gas, water, broadband and insurance
- Biller catalogue with search and categories
- Fetch bill, confirm, pay and print a receipt
- Pay-again shortcuts and complaints on any payment
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AePS settlement · Wallets
Move money with confidence.
Pay out to any bank account, top up the wallet and follow every credit and debit.
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Saved payees
One-tap payee cards, optional account verification, remove any time.
Live fee quote
Fee and total debit shown before sending; a low-balance guard blocks the payment.
Auto refund
If a payout fails, the full amount returns to the wallet automatically.
Three wallets
Main, AEPS and PG wallets with live balances in the header.
W2W transfer
Move balance between partners with commission rules.
Commission ledger
Every credit labelled by service and reference, plus fund settlement of earnings to a bank account.
Reports · Support
See every transaction. Fix every issue.
Separate reports for each service and one merged report, plus a ticket system that works like a chat.
Reports
- Per-service reports: AePS 1, DMT 1, DMT 2, BBPS 1 and AePS Settlement
- Search and filters by status, date, amount, reference and customer
- CSV export for accounts; wallet reports also in Excel, PDF and print
Support
- Ticket counts, filters and last-activity tracking
- Live chat with the support agent
- Real-time notifications for tickets, top-ups and wallet changes
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Retailer mobile app
The counter in your pocket.
A fast, native-feel app for Android and iOS — PIN or fingerprint login, live balance and the same services as the web panel.
Why it matters
No desktop needed at the counter.
Retailers work from the phone they already carry — every AePS, DMT and BBPS service, wallet and report in their pocket.
Quick login
App PIN or fingerprint for fast, secure access on a trusted phone.
Live wallets
Main, AEPS and PG balances, with top-up, transfer and settlement shortcuts.
Reports on the go
Service reports with search, status and date chips; tap any row for details.
Partners & compliance
Built to plug into your banking partners.
FinTech is the software layer. Services such as AePS, DMT, BBPS and payouts run through the bank, NPCI and API partners you contract with — and the platform keeps every one of them configurable.
Your API vendors
Connect the providers you contract with for each service, switch between them and test in Sandbox or Simulated mode before going live.
Data handled carefully
Aadhaar numbers are masked and never stored; money movement needs a transaction PIN, and every admin change is audited.
Set up for your business
We configure partners, wallets, services, commission slabs and branding, and train your office and retailers.
More from Sysfo
Related Sysfo software
Software we build and support for the businesses that run on it.
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GST Billing & Invoicing Software
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ERP Software
One connected platform for enquiries, proposals, sales, GST invoicing, purchase, expenses, HRMS & payroll, projects, helpdesk, assets and your online store. ExploreFAQ
Fintech Software — frequently asked questions
What is FinTech software?
FinTech by Sysfo is fintech software for retail services businesses: AePS cash withdrawal and deposit, DMT 1 & 2 domestic money transfer, BBPS bill payments and bank payouts, run through Admin, Super Distributor, Distributor and Retailer panels with wallets, automatic commission and a retailer mobile app.
Which services are included?
AePS 1 (cash withdrawal, cash deposit, balance enquiry, mini statement and merchant eKYC), DMT 1 and DMT 2 on two vendors, BBPS 1 bill payments for electricity, mobile, DTH, FASTag, credit card, gas, water and more, AePS Settlement payouts by IMPS, NEFT or RTGS, and optional bank-account verification.
How does commission work across the network?
Commission slabs are set per service by amount range and split automatically between the Retailer, Distributor and Super Distributor on every transaction. Every credit appears in the commission ledger, labelled by service and reference.
Can we use our own API providers?
Yes. API Management lets you add and switch providers per service, set Live, Sandbox or Simulated mode and store credentials securely. DMT runs on two vendors side by side, so a counter is never blocked by one provider.
Is there a mobile app for retailers?
Yes. The retailer app for Android and iOS has PIN or fingerprint quick login on trusted phones, live Main, AEPS and PG wallet balances, the same AePS, DMT and BBPS services as the web panel, and reports on the go.
How secure is the platform?
Role-based permissions (120+), a transaction PIN for money movement, trusted devices, daily biometric login for AePS, email OTP at login, live service switches and a full audit log. Aadhaar numbers are masked and never stored.
What reports are available?
A report for each service — AePS 1, DMT 1, DMT 2, BBPS 1 and AePS Settlement — plus a merged All Services report with filters by status, date, amount, reference and customer, summary cards and CSV export. Wallet reports also export to Excel and PDF.
How do we get started?
We start with a live demo, then configure your partners, wallets, services, commission slabs and branding, and give hands-on training to your office team and retailers, with support after launch.
Get started
See FinTech in action.
We set up your panels, services, commission slabs and partners, train your team and support you after launch — so you can go live quickly and confidently.
- 1Live demo
A walkthrough of the panels and services that matter most to your business.
- 2Setup & data
Partners, wallets, services, commission slabs and branding configured for you.
- 3Training & go-live
Hands-on training for the office and retailers, with support after launch.
- Own colour-coded panel for every partner
- Wallets, commission and reports built in
- Users and permissions for every role
- Mobile app for retailers
- AePS · DMT 1 & 2 · BBPS · Settlement
- Per-service and merged reports with export
- Transaction PIN, trusted devices, audit log
- Real-time notifications and ticketing
- Company
- Sysfo Software Solutions Pvt. Ltd.
- Phone
- +91 76074 20009
- Product
- FinTech — AePS, DMT & BBPS Software