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Fintech Infrastructure Platform

Powering the Future of Digital Payments & Financial Services

txnhub enables businesses, retailers, and fintech startups to deliver digital payments, AEPS, DMT, and API-driven financial services with unmatched speed, security, and scalability.

🚀 Get the App Explore Services →

Powering India's Digital Financial Ecosystem

Trusted infrastructure for retailers, developers & fintech businesses

25K+

Active Retailers

Growing Network

1M+

Transactions Processed

⚡ Real-time Processing

99%

Nationwide Coverage

🌐 PAN India Reach

24×7

Support & Monitoring

🟢 Always Online
✔ PCI-DSS Aware Infrastructure*
🔐 Secure APIs with Token Authentication
🏦 Bank-grade Security & Compliance
📊 Continuous Monitoring & Audit Systems

Fintech Services & API Infrastructure

Power your business with scalable financial services — from DMT & AEPS to BBPS and developer-friendly APIs.

📱

Recharge & Utility Payments

Instant mobile, DTH, and utility bill payments with real-time processing and high success rate APIs.

💳

Wallet, UPI & BBPS Services

Secure digital transactions with wallet, UPI, and BBPS integration for seamless customer payments.

🏦

AEPS & Banking Infrastructure

Enable assisted banking, cash withdrawal, and financial inclusion services across rural and urban networks.

✔ BBPS Enabled Payments
✔ Insurance & Financial Services*
✔ Recharge & API Integration
✔ White-label & Branding

Why Businesses Choose txnhub

Built for scalability, performance, and security — trusted by fintech startups, enterprises, and growing distribution networks.

⚡

Lightning Fast Processing

Transactions processed in milliseconds with real-time updates and minimal latency.

🛡️

Enterprise-grade Security

End-to-end encryption, RBAC controls, and compliance-ready infrastructure for secure operations.

📊

Smart Analytics & Reporting

Real-time dashboards, MIS reports, and actionable insights for better business decisions.

🤝

Dedicated Partner Support

Multi-level support system with API, technical, and business assistance for all partners.

Industry Recognition

Trusted Fintech Infrastructure Platform

txnhub powers secure, scalable, and high-performance financial services trusted by retailers, enterprises, and API-driven platforms across India.

Innovation in Digital Payments

Recognized for delivering reliable, scalable, and high-success fintech infrastructure solutions.

Trusted by 25,000+ Retailers

Empowering retailers, distributors, and fintech startups with seamless digital financial services.

Secure & Compliance-Ready Platform

Built with enterprise-grade security, continuous monitoring, and compliance-focused architecture.

Get Started with txnhub Explore Services

How txnhub Works

Get started in minutes and launch your fintech services with a powerful, secure, and scalable infrastructure.

1

Register & Onboard

Create your txnhub account, complete KYC verification, and get instant access to your secure dashboard.

2

Configure & Integrate

Add wallet balance, set commissions, or integrate APIs to customize your fintech operations.

3

Start Transactions

Begin offering DMT, AEPS, recharge, and bill payment services with real-time processing and high success rates.

Built for Every Fintech Business Model

txnhub powers retailers, banking agents, and fintech platforms with scalable infrastructure and high-performance APIs.

📱

Retail Recharge & Utility Stores

Enable instant recharges, BBPS bill payments, and AEPS services for walk-in customers with a single unified dashboard.

🏦

AEPS & Banking Agents

Deliver assisted banking services including cash withdrawal, balance enquiry, and financial access in rural and urban areas.

⚙️

Fintech Apps & API Platforms

Integrate DMT, Recharge, AEPS, and BBPS APIs to launch scalable fintech products with secure and reliable infrastructure.

Growth Journey with txnhub

Scale from a local retailer to a full fintech business using txnhub’s powerful infrastructure and APIs.

Step 1

Start as Retail Partner

Begin with recharge, BBPS, and basic financial services using a simple and secure dashboard.

Step 2

Expand with AEPS & Services

Enable AEPS, money transfer (DMT), and additional services to increase revenue and customer reach.

Step 3

Scale as Distributor

Build your own network of retailers, manage commissions, and monitor performance with advanced reporting tools.

Step 4

Launch Your Fintech Brand

Use txnhub APIs and white-label solutions to build your own fintech platform, app, or payment business.

Built for Scale & Performance

txnhub is engineered to handle high-volume fintech operations with real-time processing, scalable infrastructure, and enterprise-grade reliability.

  • ⚡ High-throughput transaction engine
  • 🛡️ Secure & fault-tolerant architecture
  • 📡 Real-time monitoring & alerts

Peak TPS

0

Transactions / sec

Daily Volume

0

Transactions / day

Success Rate

0

% success rate

Active Sessions

0

Concurrent Users

Live

Built for Retailers, Distributors & CSPs

txnhub empowers on-ground agents — from small retail shops to large distribution networks — with scalable fintech infrastructure and real-time transaction capabilities.

  • ✔ Unified wallet for all financial services
  • ✔ Transparent commissions with instant margin credits
  • ✔ Real-time ledger, reports & analytics
  • ✔ Multi-level hierarchy (Retailer → Distributor → Super Distributor)

Real Business Scenarios

  • 📱 A retail shop offering recharge, DTH & BBPS services from a single dashboard.
  • 🏦 A kirana store enabling AEPS cash withdrawal & banking access.
  • 📊 A distributor managing multiple retailers with centralized control & commissions.
  • 🌐 A CSP operating as a mini-bank outlet for underserved rural areas.

Developer-Friendly Fintech APIs

Integrate DMT, Recharge, AEPS, and BBPS services directly into your platform with secure, scalable, and high-performance txnhub APIs.

  • ⚡ REST APIs with JSON-based responses
  • 🔐 Token-based authentication & IP whitelisting
  • 🧪 Sandbox & test environment for safe integration
  • 📘 Complete documentation with ready-to-use examples
View API Documentation →

// txnhub API Example

POST /api/v1/recharge
Host: api.txnhub.in
Authorization: Bearer YOUR_API_TOKEN
Content-Type: application/json

{
  "mobile": "9876543210",
  "operator": "JIO",
  "amount": 199,
  "reference_id": "TXN123456"
}
Response: JSON API Online

Flexible Partner Plans

Start as a retailer and scale into a full fintech business with txnhub’s flexible commission-based model.

Retailer

Starter

₹0 / month

  • ✔ Recharge & BBPS services
  • ✔ Standard margins
  • ✔ Basic dashboard & reports
  • ✔ Email support
Most Popular

Distributor

Growth

Custom

  • ✔ Higher commissions & incentives
  • ✔ Multi-retailer management
  • ✔ Advanced reports & analytics
  • ✔ Priority support

Enterprise / API

Custom

On Request

  • ✔ White-label & API solutions
  • ✔ Dedicated account manager
  • ✔ Custom SLA & uptime
  • ✔ Full fintech infrastructure access

*Commissions and incentives vary based on operator, bank, and regulatory guidelines. Final slabs are shared during onboarding.

Security & Compliance

txnhub is built with security-first architecture, ensuring every transaction, API request, and data flow is protected, monitored, and compliant with industry best practices.

Platform Controls

  • 🛡️ Role-based access control (RBAC)
  • 🌐 IP & device-level monitoring
  • ⚡ Transaction velocity & fraud checks

Data Protection

  • 🔐 Encrypted data-in-transit (HTTPS/TLS)
  • 👁️ Masked & secure sensitive information
  • 💾 Regular backups & disaster recovery

Trusted by Partners Across India

Real experiences from retailers and distributors using txnhub daily.

“Recharge and bill payments are now instant. The ledger is clear and settlements are always on time.”

Merchant

Abhishek Singh • New Delhi

“Managing multiple retailers from a single dashboard is seamless. Commission setup is quick and flexible.”

Distributor

Mohit Gupta • Gorakhpur

“Transactions are faster and more reliable now. The system is easy to use and perfect for daily operations.”

Merchant

Sanjiv Bansal • Bangalore

*Testimonials are illustrative and reflect typical partner experiences.

What’s New at txnhub

Latest updates, improvements, and new features to enhance your fintech experience.

UPI-based Wallet Loading

Beta

Add balance instantly using supported UPI handles with faster settlement.

v1.4

Advanced Ledger Filters

Filter transactions by service, status, and date range with improved reporting.

v1.3

API Key Rotation Tools

New

Rotate API keys securely without downtime for uninterrupted integrations.

v1.2
System Status: All Systems Operational
View Status Page →

Manage Your Fintech Business On-the-Go

The txnhub mobile app lets you handle transactions, monitor reports, and serve customers anytime, anywhere — with speed, security, and control.

  • 📱 Real-time transaction tracking
  • 📊 Live reports & earnings insights
  • 🔐 Secure login with MPIN protection
📥 Download for Android 🍎 Download for iOS

Launch Faster. Scale Smarter.

Ready to build your fintech business with txnhub?

Test APIs, validate flows, and go live quickly using our secure UAT environment, sandbox access, and production-ready infrastructure.

🚀 Create Free Test Account 📘 View API Sandbox Guide

Built for Every Merchant & Fintech Model

txnhub supports a wide range of business types — from retail outlets to API-driven fintech platforms.

Retail

Mobile & DTH Shops

Offer instant recharges, bill payments, and UPI collections from a single dashboard.

Utility

Kirana & Utility Stores

Accept payments and act as local BBPS collection points for customers.

Banking

BC / CSP Outlets

Provide AEPS cash-in, cash-out, and assisted banking services in local areas.

Digital

Apps & API Platforms

Integrate recharge, AEPS, and BBPS services via secure APIs into your apps and portals.

Operational Safeguards & Risk Controls

txnhub implements advanced safeguards to ensure reliability, reduce fraud risk, and maintain operational integrity across all financial services.

  • ✔ Daily transaction reconciliation across services
  • ✔ Automated anomaly detection & fraud pattern alerts
  • ✔ Maker-checker workflows for critical operations
  • ✔ Version-controlled configurations & safe rollouts

Limit Controls

Configure transaction, daily, and user-level limits to control risk exposure.

Risk Alerts

Detect unusual spikes or patterns and trigger real-time internal alerts.

Dual Approval

Critical operations like reversals or adjustments require multi-level approvals.

Audit Trails

All key actions are logged with timestamps, user details, and references.

Training & Onboarding Support

txnhub provides structured onboarding and training resources to ensure your team can start quickly and operate efficiently from day one.

  • ✔ Retailer onboarding kits & training decks
  • ✔ SOP templates for operations & compliance
  • ✔ Customer communication & usage guides
  • ✔ Shop setup & kiosk readiness checklists

Onboarding Journey

1

Retailer registration & identity verification

2

Wallet setup & initial balance loading

3

Training on services, usage & compliance guidelines

4

Controlled soft launch with monitoring

5

Full-scale rollout after performance validation

Escalation Matrix

txnhub ensures structured and transparent issue resolution through a multi-level escalation framework aligned with service standards and compliance requirements.

Level 1 – Primary Support

Customer Support Team

📧 support@txnhub.in

📱 8929727617

WhatsApp Support Only

All queries are acknowledged with a ticket ID and estimated resolution time. Any delays are proactively communicated with proper updates.

⏱ Response: Within 24 working hours

Level 2 – Escalation

Technical & API Support

📧 tech@txnhub.in

For unresolved issues or technical concerns, escalation is handled with deeper investigation and system-level analysis.

⏱ Response: Within 1–2 working days

Level 3 – Final Resolution

Management / Compliance

📧 support@txnhub.in

📧 api@txnhub.in

Final escalation ensures independent review and resolution aligned with compliance, audit, and regulatory guidelines.

⏱ Response: Within 2 working days

*Escalation timelines and resolution commitments may vary depending on transaction type, banking partners, and regulatory guidelines.

Regulatory & Legal Compliance

txnhub is built with compliance-first architecture, aligning with industry standards for digital financial services, including KYC, AML, and transaction monitoring practices.

  • ✔ KYC verification, AML checks & transaction monitoring
  • ✔ Secure data retention, logs & audit reporting
  • ✔ Transparent policies for users & partners

Policy & Documentation

Ensure your production setup, agreements, and documentation are reviewed periodically to stay aligned with regulatory and compliance requirements.

Smart Tools Inside Your Dashboard

txnhub dashboard is built to help you operate faster, track everything, and manage your fintech business efficiently.

📊 Ledger Views

Advanced filters by service, user, date, and status with export-ready reports.

📄 Statement Downloads

Generate transaction and settlement statements for custom date ranges instantly.

⚖️ Dispute Tracking

Manage disputes with structured tracking, comments, and real-time status updates.

🔔 Notification Center

Stay updated with system alerts, advisories, and scheduled maintenance notifications.

Branding & White-label Solutions

txnhub enables partners to launch and scale their own fintech brand while we power the underlying infrastructure, transactions, and reconciliation engine.

  • ✔ Custom logo, theme colors & branded interface
  • ✔ Dedicated domain / white-label panel setup
  • ✔ Branded SMS, notifications & communication templates

White-label Example

Your retailers and staff log in to your own branded portal or mobile app, while txnhub operates silently in the background handling transactions, settlements, and reconciliation.

✔ Your Brand Frontend

✔ txnhub Backend Infrastructure

*Available based on business requirements, commercial terms, and approvals.

Implementation & Go-Live Timeline

txnhub enables fast deployment with a structured rollout plan — from sandbox testing to full-scale production launch.

Week 1

Requirement & Sandbox Setup

Finalize business flows, enable sandbox environment, and share API keys & documentation.

Week 2–3

Integration & UAT

Complete API or panel integration, execute UAT scenarios, and finalize sign-off.

Week 4

Pilot Rollout

Launch with a limited user base, monitor performance, and validate transaction flows.

Week 5+

Scale & Optimization

Expand across your network, optimize performance, and review metrics regularly.

*Actual timelines may vary based on integration complexity, partner readiness, compliance approvals, and operational requirements.

Frequently Asked Questions

Everything you need to know about txnhub services, APIs, and operations.

txnhub provides DMT, AEPS, recharge, BBPS bill payments, and API-based fintech services for retailers, distributors, and developers.
Most transactions are processed in real-time within seconds, depending on bank/operator response.
Yes. txnhub uses encrypted APIs, secure authentication, and industry-standard security practices to protect all transactions and user data.
Yes. txnhub provides secure REST APIs for integration into apps, portals, and white-label fintech solutions.
Failed transactions are usually auto-reversed by banks/operators. If not, our support team assists you as per the refund policy.

Stay Updated with txnhub

Get product updates, new features, and important service notifications directly in your inbox.

No spam. Only important updates, alerts & product announcements.

Contact & Support

Official communication channels for txnhub by Payon Technologies Private Limited. Reach out through the appropriate channel for faster resolution.

Registered Office

Payon Technologies Private Limited
rz k2 125 nihal vihar
new delhi-110041. India

Support Channels

Customer Support

support@txnhub.in

API Support

api@txnhub.in

Technical Support

tech@txnhub.in

Sales & Partnerships

sales@txnhub.in

WhatsApp Support

8929727617 WhatsApp only

Business Hours

Monday – Saturday
10:00 AM – 6:00 PM (IST)

Closed on Sundays & public holidays