Novopay Retailer

Novopay Retailer puts a suite of financial services into the hands of shopkeepers and local merchants, enabling them to act as business correspondents and expand income streams. The Novopay Retailer app consolidates domestic money transfer, Aadhaar-based cash withdrawal (AePS), MicroATM transactions, bill payments, FASTag top-ups, recharges and even digital gold purchases into a single interface. Merchants can accept cash and send funds via IMPS and NEFT, collect payments for utilities and insurance, and offer customers convenient channels for everyday financial needs — a compelling toolkit for retailers looking to add services and earn meaningful commissions.

Core Functions

The app’s core functions cover Domestic Money Transfer (DMT) to any bank using IMPS and NEFT, Aadhaar ATM (AePS) cash withdrawal using Aadhaar number and fingerprint, and MicroATM support for debit-card withdrawals and mPOS transactions. Novopay Retailer also supports Cash Management Services for partners, routine bill payments (gas, electricity, water, municipality), FASTag recharges, mobile and DTH recharges, and an option to help customers buy digital gold. The platform is designed to let retailers accept cash, process transactions and earn commissions—claims include potential earnings up to 50,000 INR per month.

Key Features

Key features emphasize reach and trust: a network used by over 300,000 retailers across more than 25 states, secure transaction processing, and dedicated customer support. The app follows a B2B2C model that converts neighborhood stores into financial service points and supports a range of partner services such as insurance and consumer finance. MicroATM hardware can double as an mPOS device, and the service stack includes quick recharges and bill settlement options that customers expect at a retail counter.

User Experience

The Novopay Retailer experience focuses on speed and practicality for everyday retail environments. Agents can accept cash and complete transfers instantly via IMPS or schedule NEFT, while AePS uses biometric authentication for withdrawals. The interface groups common services—recharges, bill payments, FASTag and digital gold—so transactions are straightforward at the till. Back-end support and partnerships mean retailers can act as convenient one-stop points for routine financial needs, helping build customer loyalty and new revenue lines.

Conclusion

For retailers aiming to diversify income and offer trusted financial services, Novopay Retailer provides an integrated set of tools and partner services that simplify money transfers, cash management and everyday payments. Its established network, security measures and support make it a practical choice for small businesses looking to expand their service offerings and earn commissions through regular customer interactions.