7+ Years of
Experience
14 Countries
Served
10 Mn
Users
$1 Bn
Transactions
Delivering Reliable and Scalable Solutions for Fintech App Development
We excel in fintech app development, offering a broad range of cutting-edge features and functionalities.
Comprehensive Fintech App Development Solutions
We offer end-to-end fintech app development services tailored to meet your specific needs, establishing your leadership in the market.

Digital Payments
With our software expertise, we enable NFC/QR transactions, easy global transfers, & secure mobile payments via smartphones.
Buy Now, Pay Later
Users can buy interest-free products in installments; merchants offer BNPL tools at checkout for flexibility.
Neobanking Solutions
Providing comprehensive mobile banking services without branches; using data for personalized financial products & advice.
Open Banking and Data Aggregation
Integrating multiple accounts into one platform for a holistic financial view, enabling tailored services in fintech apps.
Highlighted Features for Your Fintech App Solutions
PayNet is a leading fintech app development company, recognized for seamlessly integrating strong data security measures and offering value-added features that set industry standards in the competitive software development market.
Instant Money Transfer
Our fintech solutions, developed by experts, enable effortless money transfers between users.
Omni Channel Approach
Manage all channels (mobile, web, POS, API, chatbot) with a single backend for responsive support.
Loyalty Management
Multi-currency wallet for loyalty rewards, customizable by transactions, events, age, demographics, etc.
Rewards
Redeem loyalty points and cashback in vouchers in 150 countries Agent and
Hierarchy management.

Smooth Onboarding & KYC
Fintech will use AI for facial recognition and document verification, speeding up secure onboarding.
Personalised Engagement
We use AI to offer personalized financial insights, enhancing user engagement through customer data.
Multi-Platform Compatibility
Our services ensure seamless, consistent operation across all devices and providers, extending your app's reach.
Secure Integration
Choose our app development services for seamless CRM, HRMS, Payment Gateway, and KYC integration.
Security Protocols

PCI DSS Certified
We build with PCI DSS, ISO, and OWASP guidelines. With your database kept on your servers - You can forget about compliance issues.

REST API Integration
As a top fintech mobile app development company, we optimize fintech app speed and security by implementing REST protocols in backend coding.

Biometric Authentication
Enhance security and user experience in your fintech software with biometric authentication, making it a trusted choice for financial transactions.

SSL Encryption
Opt for fintech mobile app development with SSL certificates to safeguard data from third-party theft by encrypting user-server communications.
Technology Stack We Use
User Interface
Backend





Database





Monitoring & Analytics



Infrastructure





Design
In our design phase, we craft wireframes and mockups to shape the software's look, refining based on your feedback to match your vision.
Development
Our developers use advanced tech to bring designs to life, following an agile approach with regular updates and your ongoing input.
Testing
Before launch, we rigorously test the software to fix any bugs, ensuring a smooth and reliable user experience from day one.
Deployment
We collaborate closely to implement the software in your environment, offering training and support for a smooth transition.
Why Choose Us For Fintech Mobile App Development?
Cloud-native
Third-party API development

10x Faster Time To Market
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Fully Complaint Tech Stack
Why PayNet?

10x Faster Time To Market
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Fully Complaint Tech Stack

SaaS Based Pricing Model
Discover a suite of software solutions tailored to support and enhance your payment operations.

White-label
Payment Gateway

Bank Merchant Management

Payment Orchestration

Payment Gateway
Extension
Partner with Paynet Systems for white-label payment gateway solutions that enhance your business's payment capabilities while maintaining your brand integrity.

Customization
We believe in tailoring solutions to fit your business's unique requirements and brand identity.

Innovation
Stay ahead in the competitive landscape with our innovative features and technologies.

Security
Your security is our priority. Our solutions are designed with advanced security measures to ensure safe transactions.

Support
We provide exceptional customer support to address your needs promptly and effectively.
Partner with Paynet Systems for white-label payment gateway solutions that enhance your business's payment capabilities while maintaining your brand integrity.

Customization
We believe in tailoring solutions to fit your business's unique requirements and brand identity.

Innovation
Stay ahead in the competitive landscape with our innovative features and technologies.

Security
Your security is our priority. Our solutions are designed with advanced security measures to ensure safe transactions.

Support
We provide exceptional customer support to address your needs promptly and effectively.
Customizable Software Solutions For Various Business Types
Payment Providers
Start and operate your payment business without any capital expenses. We handle software development, infrastructure maintenance, and technical support for you.
Marketplace Platform
Integrate financial services into your platform to create a new revenue stream through embedded payment processing.
Banks and Acquirers
Streamline merchant services with efficient onboarding, compliance, customizable payment pages, settlements, anti-fraud measures, third-party integrations, and more.

Tailored Solutions
We start by understanding your needs, collaborating closely to design software that aligns with your workflow, goals, and challenges.

Easy Integration
We ensure smooth integration with your existing systems and software, avoiding disruptions and data silos to create a cohesive ecosystem.
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Scalability
Our solutions adapt as your business grows. Whether you're a startup or established, our software evolves to meet changing needs while ensuring top performance.
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User-Focused
We prioritize user experience in our development process, crafting intuitive interfaces for effortless use by both businesses and customers.
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Enhance Efficiency
Our tailored software optimizes workflows, streamlines processes, automates tasks, enhancing productivity and cutting operational costs.

Security
Security is our top priority. We implement robust measures to protect your data from threats, following industry best practices and latest trends.

Customization
We believe in tailoring solutions to fit your business's unique requirements and brand identity.

Innovation
Stay ahead in the competitive landscape with our innovative features and technologies.

Security
Your security is our priority. Our solutions are designed with advanced security measures to ensure safe transactions.

Support
We provide exceptional customer support to address your needs promptly and effectively.
Building from scratch
Development Cost
Building a proficient development team is expensive and time-consuming.
With white-label software
Reduced initial investment through a cost-effective subscription model that adapts to your business needs.
Time To Market
Longer phases of development delay the entry into the market.
Rapid deployment with a entirely tested, ready-to-use platform.
Technology Costs
Substantial costs for setup and maintenance.
All costs are included to ensure transparency and savings.
Team
Requires diverse teams for support, monitoring, fraud prevention, and account management, which can be tough and resource-heavy.
PayNet provides an all-inclusive expert team that includes all key roles and tasks, simplifying processes and cutting out intricacy.
Connectors
Creating bespoke payment integrations is time-consuming and technically demanding.
PayNet offers 200+ APIs with ready-to-use payment connectors, making deployment faster
Data Security Certifications
Achieving PCI DSS compliance can take months due to extensive processes.
Comes with PCI DSS and other standards compliance built-in.
Efficient and Developer-Centric
Designed with developers in mind, integrating the PayNet wallet API is straightforward and user-friendly.
Access our libraries through our developer portal, test features with the admin panel in our sandbox, integrate in five programming languages and count on continuous support from our development experts.

Mobile Banking
Revolutionizing banks with mobile-first methods for client Onboarding, Usage, Engagement, and Advice.
Corporate Banking
Our White-Label banking services enable a fully digital experience for all company clients, ready for market.
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Conversational Banking
Leverage WhatsApp chatbots for efficient notifications, quick query resolution, and streamlined sales lead compilation.

Payments & Collections
Ready-for-use payment system offers clients and companies a safe, easy-to-use pre-built platform.
Digital Wallet
We can deploy mobile wallets for clients via our Market-Ready White-label wallet platform.
Engagement Banking
It builds vital trust between organizations and clients using modern, customer-focused tech.

Mobile Banking
Revolutionizing banks with mobile-first methods for client Onboarding, Usage, Engagement, and Advice.
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Conversational Banking
Leverage WhatsApp chatbots for efficient notifications, quick query resolution, and streamlined sales lead compilation.

Payments & Collections
Ready-for-use payment system offers clients and companies a safe, easy-to-use pre-built platform.
Digital Wallet
We can deploy mobile wallets for clients via our Market-Ready White-label wallet platform.
Corporate Banking
Our White-Label banking services enable a fully digital experience for all company clients, ready for market.
Engagement Banking
It builds vital trust between organizations and clients using modern, customer-focused tech.
Conversational AI in Banking: Use cases
Personal Banking Assistants
AI chatbots assist with customer queries, transactions, & personalized financial advice, integrating with banking systems for comprehensive service & offering biometric security.
Customer Service Agents
AI revolutionizes banking customer service by automating tier-1 support, handling routine inquiries, reducing call volumes, & enhancing issue resolution speed.

Mortgage Assistance
AI enhances home lending by automating mortgage applications, guiding applicants, providing updates, and expediting the loan process.
Fraud Detection
and Security
AI boosts financial security by detecting fraud, alerting customers, and implementing temporary account locks.
Benefits Of Using White Label Mobile Banking Solutions
PayNet's white-label mobile banking solutions are really popular right now. Curious about why they’re such a hit? Let's check out some of their key benefits.
Practical and Efficient
These days, everyone is looking for smart and straightforward ways to handle their money, and that’s where white label digital banking services come in handy.
Effort Saver
Fintech companies use our white label banking services to easily offer more financial products without building everything from scratch.
Customizable
We offer fully customized white label banking solutions designed to meet the unique needs of businesses in niche markets.
Cost-effective Software-As-A-Service Solutions
Imagine this: instead of the usual banking setup, we've got this super sleek SaaS platform that's all about shaking things up. Revolutionizing banking with seamless, API-driven white-label services for faster, reliable, and tailored experiences.

Biometric
Beyond the added security, borrowers prefer the ease of use and speed of biometric authentication over complex passwords.

2F Authentication
By requiring an extra verification step, two-factor authentication on our digital banking platform provides an additional layer of protection.

Fraud Prevention
To control cross-site frauds that can safe user information, our white-label solution blocks anonymous, unsafe, or fraudulent requests.
Industries We Serve
Our Custom Customer Onboarding Solution for Financial Services is uniquely positioned to meet the needs of firms that require sophisticated, tailored onboarding journeys like:
Retail and E-commerce
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Instant Refunds
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Loyalty Programs
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Gift Cards
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Promotions and Offers
Hospitality
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Guest Wallets
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Loyalty Rewards
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Event Management
Transportation
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Transit Cards
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Ride-Sharing Services
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Parking Payments
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Restaurant Payments
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Loyalty Points
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Order Ahead
Healthcare
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Patient Accounts
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Insurance Claims
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Loyalty Programs
Education
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Campus Cards
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Fee Payments
-
Loyalty Programs
Use White Label Banking Solutions to
Digitise Your FinTech Business
Paynet offers cutting-edge white-label banking solutions to help you develop a future-centric fintech business approach.
Fast Launch
Get speedy development and modern white-label development solutions without having to go through the complex process of developing software from scratch.
Easily Scalable
We've incorporated top-notch IT tools into our solutions, empowering you to harness the latest in technology for enhanced flexibility and scalability.
Easily Implemented
Incorporating third-party APIs accelerates the creation of digital platforms, retaining the advanced features of existing banking software.
Unlimited Possibilities
Smart contract coding manages an entirely decentralised platform's workforce, operations, and user interface. The platform functions according to access levels and roles.
Industries We Serve
Our Closed-loop Wallet Solution for Financial Services is uniquely positioned to meet the needs of firms that require sophisticated, secure, and seamless payment processing. Here's an in-depth overview of targeted several industries:
Retail & E-commerce
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Instant Refunds
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Loyalty & Gift Programs
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Promotions and Offers
Healthcare
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Patient Accounts
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Insurance Claims
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Membership Programs
Education
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Campus Cards
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Fee Payments
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Retention Programs
Food & Beverage
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Restaurant Payments
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Loyalty Points
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Order Ahead
Travel and Tourism
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Travel Wallets
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Bonus Miles
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Foreign Exchange
Gaming
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In-Game Purchases
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Rewards & Bonuses
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Payouts
Entertainment
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Event Tickets
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In-App Purchases
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Loyalty Rewards
Finance & Banking
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Micro-loans & Credit
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P2P Payments
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Savings Program
Corporate
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Employee Wallets
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Incentive Programs
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Corporate Gifts
Entertainment
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Event Tickets
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In-App Purchases
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Loyalty Rewards
Finance & Banking
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Microloans and Credit
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P2P Payments
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Savings Program
Telecommunications
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Bill Payments
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Prepaid Services
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Rewards Program
Corporate
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Employee Wallets
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Incentive Programs
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Corporate Gifts
Retail and E-commerce
Transportation
Healthcare
Entertainment
Telecommunications
Utilities
Hospitality
Food and Beverage
Education
Finance and Banking
Travel and Tourism
Corporate and Gaming


VINCENT LI
Managing Director
United Points
Singapore
Paynet's unparalleled payment expertise created a high-quality use case for today's financial needs. Partnering with them boosted our understanding and opened major opportunities across ASEAN.

SAURAV SHRESTHA
Head Digital Banking
KSB Bank Ltd
Nepal
Paynet's social banking module revolutionized customer interactions with swift services via Facebook Messenger and Viber, raising service standards in digital social banking.

ARCHIL BAKURADZE
Chairman
Georgia MFI Association
Georgia
Paynet's wallet solution excels with rich features, seamless transactions, reliable performance, and exceptional support, crucial for our operations.


VINCENT LI
Managing Director
United Points
Singapore
Paynet's unparalleled payment expertise created a high-quality use case for today's financial needs. Partnering with them boosted our understanding and opened major opportunities across ASEAN.

SAURAV SHRESTHA
Head Digital Banking
KSB Bank Ltd
Nepal
Paynet's social banking module revolutionized customer interactions with swift services via Facebook Messenger and Viber, raising service standards in digital social banking.

ARCHIL BAKURADZE
Chairman
Georgia MFI Association
Georgia
Paynet's wallet solution excels with rich features, seamless transactions, reliable performance, and exceptional support, crucial for our operations.

Integration - We seamlessly integrate our platform into your existing infrastructure, ensuring a smooth transition for both you and your customers.
Personalization - Customize the platform's features and functionalities to align with your institution's unique offerings and branding.
Onboarding and Training - Our team provides comprehensive training to your staff, ensuring they can maximize the platform's potential.
Continuous Support - We offer ongoing support and updates to ensure that your Engagement Banking Platform remains cutting-edge and relevant.
Why Choose PayNet Loan Management Software?

Scalability
Relax in the scalability of PayNet's platform as it adapts business's growth and rising volumes of transactions.

Technical Support
PayNet's technical support will ensure smooth integration and stay advice, offering a reliable and efficient platform.

Reporting Dashboard
Access extra tools such as risk management tools and analytics, which will improve the overall efficiency of your BNPL product.

Compliance & Security
Ensures that businesses using the platform can operate with confidence, mitigating legal risks and building trust with customers.
Who Will Benefit from PayNet BNPL Platforms?
Lenders ( Loan Providers)
1. Manage lending cycles with the advanced loan Management platform.
2. GTM techniques have become faster.
3. Direct connection with a plethora of merchant payment systems is available.
4. BNPL can be easily accessible within all channels, including mobile wallets, UPI, and official cards.
5. Monitor consumer behavior and increase credit limit
Covering the entire loan Management Software lifecycle
1. A Unified Platform
Loan management software that saves money and increases efficiency
2. Streamlined Process
A digital experience that cuts down the use of humans or, as a result, risk and human error.
3. Improved Client Experience
A more seamless onboarding process can help to capture and retain clients.


Local Language
Communicate to your users in their native language.

Bulk & Recurring
Payments
Generate payment links in bulk by uploading a simple .csv or .xlsx file. Save time and reduce errors by creating payment links in bulk.

Omni Channel
Notify and engage your user on the channel they use, target messengers, email, SMS, push, In-App.

Ready Made Connectors
We have ready made connectors for leading CRM, CBS, BPM, ESB, systems, custom integrations are available on request.

Targeted Campaigns
Schedule campaigns to user segments for a higher success rate in user onboarding and pending payments

Invoicing and Reconcilation
Invoice your customers, share payment links and Get real-time reports to help your finance team manage the books better.
Who Will Benefit from PayNet BNPL Platforms?
White Label BNPL Platforms cater to a diverse range of stakeholders across various industries.
White Label BNPL Solution providers often partner with merchants to offer this financing option at the point of sale, both online and in physical stores.

Consumers
BNPL is easy for buyers who wish to extend the cost of their goods over time and make higher-value it cheaper without putting them at quick fiscal strain.

Merchants
Merchants can boost customer loyalty and get new clients using the BNPL system. Able to pick up the BNPL process leads business's standing and buyer trust.

Financial Institutions
PayNet serves financial services and banks with BNPL solutions. let firms cash in on the rising desire for substitute ways to pay, raise their customers, or grow revenue.

Digital Customer Identification

Verification requires only a mobile phone or laptop.
PayNet LMS - For All Loan Types

Group
Lending

Variable Installment Loans

Business
Loans

Agriculture
Loans

Incremental Disbursement

Joint Liability Group

SME
Lending

Individual
Lending

Open Ended Lending

Custom Loan
Program

Payday
Loans

Buy Now
Pay Later
PayNet LMS - For All Loan Types

Group Lending

Business Loans

Incremental Disbursement

SME Lending

Variable Installment Loans

Agriculture Loans

Joint Liability Group

Individual Lending

Open Ended Lending
Custom Loan
Program

Payday Loans


Buy Now
Pay Later

Start Building Your Fintech 10X Faster 🚀

Let's Build Your Fintech 10x Faster 🚀
Stay Compliant with Worldwide Rules and regulations
Firms can ensure clear legal compliance via a one-click the bureau of credit files, from one platform.
Lms is fully integrated into banking & and finance systems, allowing firms to perform multiple tasks that one time and ensuring privacy and security for the client's journey.

Features that will assist you in remaining compliant
☑️ Certified for Infosec compliance
☑️ Industry-standard authorization protocol
☑️ Encryption of sensitive data
☑️ Credit Bureau exchange & Banking standards

To reach a wider audience, engage in real-time with key players
Use our API 3.0 software to connect, merge, and quickly assess real-time data at a broad range of areas in and out of your firm, leading you to make better use of a larger pool of cash and more clients in the workplace.
Features That Your Team Will Appreciate
☑️ Co-Lending
☑️ Marketplace Integration
☑️ Extensive Third Party Integrations
☑️ Secure Open API
Lending must be simple for consumers, with easy-to-use paperwork, automated server processes, and other benefit.
Execute All Steps in the Loan Query
Get high-quality lenders faster than your rivals. Find leads via all sources, like the Internet, calls, mail, social media, e-commerce loans, etc.
By seamless verification for every point, team members won't waste time on non-serious lenders or cheap leads.


Form for the Self-Service Loan Inquiries
The borrowers will enjoy an excellent app process due to its easy-to-use, mobile-friendly form. Verification of OTP helps to the quick reject of silly requests.
The form can be done at any time, boosting the lending process & and cutting the lender's time.
Gateways for the Use of Self-Lending
Make unique solutions for loan services and clients.
The lender can apply for mortgages fast, manage online profiles or programs, send documents, track status on their apps, and get permits and verified alerts.

A Loan Management Software
That Addresses All Issues
Create exclusive loans your clients will admire.
Firms can easily set apart among rivals by seamlessly integrating adaptability & flexible repayment decisions with each loan solution with the BYOS design.
Features That Your Team Will Appreciate
☑️ Buy Now Pay Later | Line of Credit
☑️ Co-Lending
☑️ Reporting Dashboard
☑️ Flexible Loan Product Constructs

A consistent, seamless digital borrower experience
Total Lending is a Loan Solution
The market's most complete array
of end-to-end loan solutions.
Enhance Risk Management
Loan documentation compliance is an industry norm.
An Effortless Experience
Steady, smooth digital lender experience for companies, firms, & and clients
Simple Lending
Transparency and enhancing back-office operations while boosting client onboarding
One Platform for Agility
Every interaction and asset under leadership is viewed from each perspective.
Quick ROI
Easy processes and minimal learning ensure faster employee uptake and ROI.
Use Cases Loan Management System
Fully Customizable Loan Programs
Empowering them to tailor their offerings according to the unique needs and preferences of their customers.
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Real-Time Decision Making
Real-time decision-making enhances the overall customer experience by reducing processing times and increasing efficiency.
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Ready-Made Connector for Other Banking Systems
This interoperability speeds up the deployment process and ensures a smooth transition for banks adopting this innovative solution.


Use Cases
28% of customers are extremely inclined to visit businesses where they are a member of a loyalty program to do so.
By retaining just 5% of their customer base, businesses can raise sales by up to 75%.
According to 32.3% of consumers, the recession has increased their involvement in retailer rewards programs.
Why Choose PayNet Systems?
Digital Wallet is developed for Enterprise Banking and Payments Platforms, offering your digital growth.
The implementation is fast to go to market, flexible, and gives fast positive ROI. Cloud, on-premises, or both of the two.
Over 7+ years of global experience with 10 Mn users in over 11 countries.
Offering a wide variety of financial services and payments at all times and from any location. Begin with the Digital Wallet.
Digital Wallet is developed for Enterprise Banking and Payments Platforms, offering your digital growth.
The implementation is fast to go to market, flexible, and gives fast positive ROI. Cloud, on-premises, or both of the two.
Over 7+ years of global experience with 10 Mn users in over 11 countries.
Offering a wide variety of financial services and payments at all times and from any location. Begin with the Digital Wallet.
ROLE: SALES INTERNSHIP
Qualification:
Graduate in any field.
Skills:
Communication Skills, Interpersonal Skills, Problem-Solving, Sales Management,
Teamwork.
Location:
Remote
Shift Timings:
Flexible
Key Responsibilities:
-
Spread the word about our game-changing products.
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Turn potential clients into lifelong partners.
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Bring your ideas to the table – we love fresh perspectives!
ROLE: SOFTWARE DEVELOPER JOBS
Qualification:
Bachelor's degree in Computer Science or a related field.
Experience:
2 Years of software development experience preferably in the Fintech industry
Skills:
Java, Spring & Hibernate, MySQL, AWS, Mongo, and REST API
Key Responsibilities:
-
Develop and maintain Java apps with Spring & Hibernate frames.
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Design, implement, and maintain databases using MySQL and MongoDB.
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Develop and maintain REST APIs
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Deploy and manage applications on AWS cloud services
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Collaborate with other team members and stakeholders to ensure project success.

PayNet is a White Label Neo-Banking Platform, for new-age financial institutions, helping them thrive in the industry through our agile cloud-native and API-first technology. PayNet’s prebuilt modules help you with the fastest time to market without compromising on the security level.
Company
Products
© 2023 PayNet. All rights reserved.
Customers are able to make payments using the digital wallet platform in a pre-set setting. In a payment device owned by a particular business, customers can load money into a spending account similar to a gift card, and they can use the mobile wallet software to make payments.
Closed Loop
Customers can conduct transactions at the businesses and places listed using mobile payment solutions. This software enables users to make both online and offline payments. It is frequently used to transfer money between users and to make purchases of products and services.
Semi Closed Loop
In contrast to closed-loop Paynet wallets, it. Open wallets are distributed by banks or authorized organizations. Together with money transfers and bank withdrawals, users can use a digital wallet platform for every transaction allowed with a semi-closed wallet.
Open Loop
What sets apart PayNet as a flexible Digital Wallet Platform?
Outstanding Customer Satisfaction
All accounts and transactions are managed through a single interface. Customer-centric UX from start to finish. There will be no further branch visits. Customers can use PayNet's digital Wallet to access a variety of payment options as well as other services.

Don't Slaying Security
A white-label digital wallet that protects your customers' data. Self-registration user onboarding (KYC/Non-KYC etc.) Secure your transaction with OTP, PIN, Biometric, and other two-auth factor verification methods.
P2P, P2M, Payments, and More
Allow clients to transact instantly with a variety of payment and financial services, including P2P, P2M, and Payroll. Provide easy access to payments via NFC and QR codes, as well as multi-channel connectivity.

Products Having a Monetary Value
With PayNets digital wallet value-added features such as form invoices, bill payments, multi-currency, remittances, offers and promotions, and others, you can go above and beyond what customers think.
Our Mission
To enable small and medium organisations to provide personalised digital banking and payments service on all channels


Trusted By Financial Institutions Across Globe
Loyalty Rewards
Reward your loyal customers like never before! Our software enables you to create and manage captivating loyalty programs that keep shoppers coming back for more. Increase customer retention and build lasting relationships.
Data Security Certified
Rest easy knowing that your customer data is protected. We take data security seriously, and our software is certified to meet the highest industry standards. Trust us to safeguard your valuable information.
Hassle-Free Refunds
Say goodbye to complicated refund processes. Our Close-Loop Wallet Software streamlines the refund procedure, ensuring quick and hassle-free transactions. Keep your customers satisfied and encourage repeat business.
SaaS-Based Pricing
Enjoy flexibility with our SaaS-based pricing model. Pay for what you need and scale your operations as your business grows. No hidden fees, no surprises, just transparent and affordable pricing
11 Countries

10 Million Users



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Mobile Banking
Digital channels are fast becoming the primary interface for you to communicate and engage with your customers. At PayNet we are constantly innovating, and collaborating with solution creators all over the world to make your you have access to the latest and the best technologies, services, and features and can create a continuously evolving and delighting experience for your customers.
1.
2.
3.
Easy On-boarding
Social log-in, eKYC for document and biometric verification, 3rd party database cross-checks, Debit card enabled log-in.
Multi-Factor Authentication
Device binding, OTP, Transaction Passwords, ATM PIN, log-in password, 3rd party HSM.
Service Management
Service fees, customer groups, banking service requests, 3rd party services like bill-pay, top-up, stock quotes, portfolio management.

4.
Geo-location services
Locate bank branches, ATM's, and push location specific services for partners.
Agent Banking
Financial Inclusion can be defined as the pursuit of making financial services accessible at affordable costs to all individuals and businesses, irrespective of net worth and size respectively. At PayNet we strive to address and proffer solutions to the constraints that exclude people from participating in the financial sector. Our Agency Banking solutions provide you with the most cost-effective way of delivering solutions to the marginalised and unbanked sections of the economy.
Mobile Banking Terminals
PayNet supports specialised mobile banking terminals with inbuilt capability for Off-line transactions, biometric authentication, audio notifications, USSD, and SMS support. Learn more
Off-Line Transactions
PayNet provides multiple solutions to enable offline banking solutions to enable inclusion in geographies that are not served by Telco's or where connectivity is not reliable. Learn more
Financial Product Modelling
Financial Inclusion to be successful requires a whole new set of products that are relevant to our target audience. PayNet provides multiple tools to design and deliver products like micro savings/lending, aid distribution, etc. Learn more




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Utility Bill Pay
In App Purchase
Credit Card Pay
Credit Card Pay
Payroll Services
Digital Content
Loyalty Programs
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Social Payments
Scheduled Payments
NFC
e-KYC
Geo-location Services
Dependent Wallets
Mobile Topups

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e-Commerce Payments
Split Payments
Multi-Currency Transactions
Coupons & Vouchers
Gifts & Promotions
Tax and Fee Collections
Aid Distribution
Pre Built Features


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Utility Bill Pay
In App Purchase
Credit Card Pay
International Remittances
Payroll Services
Digital Content
Loyalty Programs
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Social Payments
Scheduled Payments
NFC
e-KYC
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Geo-location Services
Dependent Wallets
Mobile Topups

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e-Commerce Payments
Split Payments



Multi-Currency Transactions
Coupons & Vouchers
Gifts and Promotions


Tax and Fee Collections
Aid Distribution
“What Our Clients Are Saying”
Build Strong Partnerships With Us






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Fitness Classes
Anytime, Anywhere
Ready to Use Modular Backend
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200+ APIs to centrally manage all products.
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Flexibility to add functionalities and build customer journeys as per your choice.
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Build customer-centric products through our API and SDKs.
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Access platform capabilities through our extensive set of 200+ readily consumable, RESTful APIs
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PayNet offers a ready-to-configure software system that enables Banks, Credit Unions, and Fintechs to go to market quickly.
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Quick to deploy with your own branding
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Configure to match the bank’s workflows
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Rich set of features to delight retail and business customers
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PayNet invest heavily in ensuring infrastructure is comprehensive and secure by utilizing highly secured authentication, software security credential, and certification standards.
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Details are stored with military-grade 256-bit encryption.
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All data transmission is encrypted to the HTTPS standard.
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All files are transferred in compliance with OWASP standards
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Authorization of all transactions completed with 2-factor auth.
Ready to Use Modular Backend
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200+ APIs to centrally manage all products.
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Flexibility to add functionalities and build customer journeys as per your choice.
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Build customer-centric products through our API and SDKs.
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Access platform capabilities through our extensive set of 200+ readily consumable, RESTful APIs

Fully Customisable Turn Key Apps
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PayNet offers a ready-to-configure software system that enables Banks, Credit Unions, and Fintechs to go to market quickly.
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Quick to deploy with your own branding
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Configure to match the bank’s workflows
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Rich set of features to delight retail and business customers
PayNet is Certified in Security
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PayNet invest heavily in ensuring infrastructure is comprehensive and secure by utilizing highly secured authentication, software security credential, and certification standards.
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Details are stored with military-grade 256-bit encryption.
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All data transmission is encrypted to the HTTPS standard.
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All files are transferred in compliance with OWASP standards
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Authorization of all transactions completed with 2-factor auth.

Ownership and Control
When you own custom software, you have full control over its development, updates, and maintenance. You're not dependent on a third-party vendor's decisions or timelines.
Adaptability
Custom software can be designed to adapt to changes in your business environment. Whether you need to accommodate new regulations, market trends, or user requirements, custom software can be adjusted accordingly.
Competitive Advantage
Custom software can give you a competitive edge by enabling you to offer unique features and functionalities that aren't available in off-the-shelf solutions. This differentiation can attract and retain customers.
Data Security
With custom software, you have control over security features and protocols. You can implement robust security measures to protect sensitive data and comply with industry-specific regulations.
Integration
Custom software can be developed to seamlessly integrate with your existing systems and software. This eliminates data silos and ensures smooth communication between different tools.
Innovation
Custom software development allows you to innovate by implementing cutting-edge technologies and features that are relevant to your industry and customer base.
Tailored to Specific Needs
Custom software is built to address your organization's unique requirements, workflows, and challenges. It can be designed to fit your business processes precisely, resulting in improved efficiency and productivity.
Support and Maintenance
With custom software, you receive dedicated support and maintenance from the development team. Issues can be addressed promptly, and updates can be tailored to your specific needs.
Benefits of Custom Fintech Software Development
Custom software development offers a range of benefits that can greatly impact businesses and organizations. We build personalized solutions that are scalable, easy-to-maintain and support.