Empowering Retailerswith India's smartestB2B Fintech Platform.
Offer banking, AEPS, money transfer, bill payments, recharge, account opening, PAN services and software solutions — all from one powerful platform, under your own brand.
{
"vpa": "arjun@upi",
"amount": 4999,
"note": "CoolPay",
"expiry": 300
}
The scale we run,
quietly, every day.
Twenty digital services,
one CoolPay login.
From AEPS and BBPS to app development and custom software — everything your retail counter and your customers need, delivered under one brand.
Sixteen production APIs,
one integration.
Every API ships with a sandbox, signed webhooks, code samples in six languages, and a real human on call.
AEPS API
Aadhaar-enabled cash-in, cash-out, mini-statement.
DMT API
Instant domestic money transfer to any bank account.
Recharge API
Prepaid, postpaid, DTH & data-card recharge.
BBPS API
Pay 350+ billers via the Bharat BillPay rail.
UPI API
UPI collect, intent, and QR payments in one call.
Micro ATM API
PoS-based ATM cash withdrawal at any location.
Payout API
IMPS, NEFT, RTGS payouts with reconciliation.
PAN API
Real-time PAN validation and NSDL lookup.
Aadhaar API
OTP-based Aadhaar verification & eKYC.
KYC API
V-KYC, DigiLocker & document OCR pipelines.
Wallet API
PPI-compliant wallet creation & ledger.
Payment Gateway
Cards, UPI, netbanking, wallets, EMI.
Insurance API
Motor, health & term insurance issuance.
Loan API
Loan origination, underwriting & disbursal.
Virtual Account API
Unique VANs for automated reconciliation.
Webhook API
Signed, retried event delivery at scale.
We power the tech.
You own the brand.
Ship a national fintech network under your own identity. CoolPay operates the rails, compliance and reliability so your product team can focus on customers.
- Your brand
- Your logo
- Your domain
- Your Android app
- Your admin panel
- Your APIs
- Your identity
Enterprise software,
crafted like a product.
From your CRM to your school ERP — we design, ship, and maintain systems that run entire businesses.
Native performance.
Cross-platform speed.
From single-market MVPs to national fintech apps used by millions — we build for iOS, Android, and everything in-between.
Built for the
people who ship.
Six languages, one predictable API surface. Copy the snippet, paste your key, be live in an afternoon.
import CoolPay from "@coolpay/node";
const cp = new CoolPay(process.env.COOLPAY_KEY);
const collect = await cp.upi.collect({
vpa: "arjun@upi",
amount: 4999,
note: "CoolPay Order #A-882",
});{
"id": "coll_882F1A",
"status": "PENDING",
"amount": 4999,
"vpa": "arjun@upi",
"created_at": "2025-12-11T09:12:33Z",
"expires_at": "2025-12-11T09:17:33Z"
}A control room that
feels like a co-founder.
Real-time revenue, API health, live requests and reconciliation — one screen your operations team will not want to close.
- UPI collect · ₹4,999arjun@upi
- AEPS · ₹2,500Agent · MH-882
- Payout · ₹18,200IMPS · HDFC
- Bill · ElectricityMSEB · Pune
- KYC · Aadhaar OTPuser_x_881
Nine reasons the best
fintech teams pick CoolPay.
Instant Settlement
T+0 and T+1 settlement across rails — your money lands where it belongs, on time.
Secure Transactions
AES-256 at rest, TLS 1.2+ in transit, PCI-DSS aligned. Bank-grade every step.
24×7 Support
Dedicated Hindi + English support on WhatsApp, calls and email. Real humans, real quick.
Easy Onboarding
Live in 24 hours — paperless V-KYC, digital agreements and instant login.
Powerful Admin Dashboard
One screen to run your entire network — retailers, distributors, wallets and reports.
High Commission
Industry-best payouts across AEPS, DMT, BBPS and account opening.
Real-Time Reports
Live revenue, ledger, commissions and reconciliation — refreshed every second.
API Integration
REST APIs, sandbox, signed webhooks and SDKs in six languages.
White Label Ready
Your brand, your domain, your Android app — we power the tech.
Scalable Platform
Kubernetes-native and multi-region — scales from ten to ten million transactions.
We don't just build the rails —
we run on them too.
Two production-scale fintech brands run entirely on the CoolPay infrastructure. Both live, both battle-tested, both eating our own dogfood.
Meet NeoMoney
Fast · Simple · Digital.
CoolPay's flagship consumer-facing fintech — a full retail super-app for payments, AEPS, DMT, BBPS and instant payouts. Built entirely on the CoolPay platform.
- Real-time settlement
- 40,000+ retail agents
- 4.6★ on Play Store
Meet CoolPay Partner
Made Banking Easy.
The partner platform that powers thousands of CoolPay agents, distributors and retailers across India — issuance, KYC, wallet, commissions and settlement in one app.
- Distributor onboarding
- Bank-grade wallet
- Instant commissions
Industries we
quietly power.
From central bank–regulated NBFCs to 40,000-outlet retail networks — the same infrastructure, tuned for the vertical.
The people we ship
with, on the record.
“CoolPay ne mera business transform kar diya. Ab main apni dukaan pe hi AEPS, DMT aur BBPS deta hu — settlement bhi same-day.”
“White label solution ne humein ek national retail footprint diya bina koi engineer hire kiye. Support outstanding hai.”
“API docs are best in class. Our team integrated UPI + KYC in a single sprint.”
Questions,
answered.
Onboarding, commissions, compliance, developer docs — the essentials, up front. Can't find what you're looking for? Reach us any time.
Let’s build the next
fintech story.
A CoolPay solutions engineer will get in touch within one business day. Or reach us directly through any of the channels below.
- Phone+91 9422799504
- Websitecoolpay.in
- Registered OfficeCoolPay India Digital Services Private Limited
H.No 6, Vrindavan Colony, Rohtas Nagar, Khajuri Kalan, Huzur, Bhopal — 462022, Madhya Pradesh, India