Connecting Every Indian
to India's Banking Core
NPay India — operated by NPay Technologies Pvt. Ltd. — engineers resilient payment rails connecting India's banking institutions to over 20,000+ grassroots merchants.
From a Single CSP to Bharat's Payment Infrastructure
NPay India was founded on a steadfast conviction — every citizen across Tier-2, Tier-3, and rural India deserves uninterrupted access to banking and payment rails. The business has operated since 2011, first as a proprietorship. NPay Technologies Pvt. Ltd. was incorporated on 31 May 2022.
The first counter
NPay begins as a single service point bringing basic banking to customers far from the nearest branch.
A network takes shape
One counter becomes many. Retailers are appointed town by town, proving that reach in Bharat is built through partners, not branches.
One platform, many services
Bill payments and recharge come together under the NPay brand - one interface for everything a retailer offers.
NPay Technologies Pvt. Ltd.
The business is formalised as a private limited company, consolidating the network, the platform and its banking relationships under one entity.
At national scale
20,000+ merchants across 10+ states transacting every day, on 8 rails, settled in real time.
Pardeep Kumar Yadav
Founder & Chairman, NPay India
Building India's last-mile payments network since 2011.
Pardeep Kumar Yadav founded NPay in 2011 with a simple conviction: the people who serve India's neighbourhoods, the local shopkeeper, the village retailer, the small-town distributor, should be able to offer their communities the same financial services available in any city.
He began by running a single customer service point, learning firsthand what retailers need to earn reliably and what customers need to trust a counter with their money. That ground-level understanding became NPay's operating model. Over the next decade, he grew that one counter into a network of more than 20,000 retailers and distributors, processing ₹250 crore in monthly transactions.
FOUNDER'S NOTE
"Every transaction on our network is a retailer earning a living and a customer being served close to home. Our job is to make sure both can trust us, every single time."
— Pardeep Kumar Yadav, Founder & Chairman
Pardeep Kumar Yadav
FOUNDER & CHAIRMAN
Regulated Standing & Corporate Identity
NPay Technologies Pvt. Ltd. operates as a formally registered payments technology provider adhering to strict statutory, corporate, and financial integrity frameworks.
Legal Entity & CIN
NPay Technologies Pvt. Ltd.
CIN: U72900DL2021PTC384912. Incorporated on 31 May 2022. Directors: Pardeep Kumar Yadav and Nirmal Yadav.
Registered Office
Landmark: Pole No. 41, 1st Floor
House No. 263, Village Samaypur, Gali No. 07, North Delhi - 110042, India
Licensed Partners
Services delivered through licensed partners
Our services are delivered through licensed partners.
Security & Encryption
256-Bit SSL & Tokenization
End-to-end encrypted payload routing with tamper-evident audit trails.
Institutional Compliance Posture
Every transaction, terminal, and user on the NPay India platform is protected by institutional-grade verification standards and consumer privacy safeguards.
Tiered Merchant Verification
Aadhaar e-KYC, PAN validation, automated penny-drop bank account check, and physical outlet location tagging.
DPDP Act 2023 Compliance
Full adherence to the Digital Personal Data Protection Act 2023, data minimization, and explicit consent records.
Dedicated Grievance Redressal
Nodal Grievance Officer with acknowledgment within 24–48 hours and a structured escalation matrix adhering to regulatory norms.
Continuous Transaction Monitoring
Automated fraud scoring, terminal MAC binding, and real-time velocity controls to mitigate systemic risk.
Nodal Grievance Redressal & Compliance Support
Direct escalation channel with 24-48h acknowledgment and structured resolution matrix.
NPAY AT A GLANCE
Built for Scale. Driven by Trust.
20,000+
Active Merchants
₹250 Cr
Monthly Transaction GTV
5L+
Monthly Transaction
20+
Banking Partners
15+ Years
Distribution Experience
99.90%
Uptime & Reliability
What Drives Us Every Day
At NPay, our mission and vision shape every solution we build and every partnership we create.
Our Mission
To simplify and strengthen digital payments by building secure, reliable, and innovative solutions that empower banks, businesses, and communities across India.
Our Vision
To be a leading payments infrastructure partner — powering high-throughput transaction rails and fueling the digital growth of a new Bharat.
Ready to Integrate with Bharat's Payment Rails?
Join 20,000+ active merchants, or partner with us as a Bank or Enterprise Provider.
Verified onboarding with dedicated technical & compliance support.