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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.

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banking app development

Banking App Development

Revolutionize banking with our customized financial software development services. Create user-focused applications such as mobile banking apps and digital wallets using our fintech app development expertise.

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.

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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.

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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

burp suite

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

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

Biometric Authentication

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

ssl encryption

 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

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Database

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Monitoring & Analytics

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Infrastructure

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microsoft azure
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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

fast-time

10x Faster Time To Market

budget

Fully Complaint Tech Stack

Why PayNet?

fast-time

10x Faster Time To Market

budget

Fully Complaint Tech Stack

discount

SaaS Based Pricing Model

Discover a suite of software solutions tailored to support and enhance your payment operations.

white label payment gateway

White-label

Payment Gateway

bank merchant management

Bank Merchant Management

payment orchestration

Payment Orchestration

payment gateway extension

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

Customization

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

Innovation

Innovation

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

security

Security

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

support

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

Customization

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

Innovation

Innovation

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

security

Security

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

support

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.

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Tailored Solutions

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

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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.

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Security

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

customization

Customization

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

Innovation

Innovation

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

security

Security

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

support

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.

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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.

conversational banking

Conversational Banking

Leverage WhatsApp chatbots for efficient notifications, quick query resolution, and streamlined sales lead compilation.

mobile wallet

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.

multicurrency

Mobile Banking

Revolutionizing banks with mobile-first methods for client Onboarding, Usage, Engagement, and Advice.

conversational banking

Conversational Banking

Leverage WhatsApp chatbots for efficient notifications, quick query resolution, and streamlined sales lead compilation.

mobile wallet

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.

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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.

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Biometric

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

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2F Authentication

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

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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

  • Instant Refunds

  • Loyalty Programs

  • Gift Cards

  • Promotions and Offers

Hospitality

  • Guest Wallets

  • Loyalty Rewards

  • Event Management

Transportation

  • Transit Cards

  • Ride-Sharing Services

  • Parking Payments

  • Restaurant Payments

  • Loyalty Points

  • Order Ahead

Healthcare

  • Patient Accounts

  • Insurance Claims

  • Loyalty Programs

Education

  • Campus Cards

  • 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

  • Instant Refunds

  • Loyalty & Gift Programs 

  • Promotions and Offers

Healthcare

  • Patient Accounts

  • Insurance Claims

  • Membership Programs

Education

  • Campus Cards

  • Fee Payments

  • Retention Programs

Food & Beverage

  • Restaurant Payments

  • Loyalty Points

  • Order Ahead

Travel and Tourism

  • Travel Wallets

  • Bonus Miles

  • Foreign Exchange

Gaming

  • In-Game Purchases

  • Rewards & Bonuses

  • Payouts

Entertainment

  • Event Tickets

  • In-App Purchases

  • Loyalty Rewards

Finance & Banking

  • Micro-loans & Credit

  • P2P Payments

  • Savings Program

Corporate

  • Employee Wallets

  • Incentive Programs

  • Corporate Gifts

Entertainment

  • Event Tickets

  • In-App Purchases

  • Loyalty Rewards

Finance & Banking

  • Microloans and Credit

  • P2P Payments

  • Savings Program

Telecommunications

  • Bill Payments

  • Prepaid Services

  • Rewards Program

Corporate

  • Employee Wallets

  • Incentive Programs

  • 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

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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.

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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.

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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.jpeg

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.

a.png

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.jpeg

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.

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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?

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Scalability

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

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Technical Support

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

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Reporting Dashboard

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

compliance regulation

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.

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local language

Local Language

Communicate to your users in their native language.

bulk and recurring payments

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.

omnichannel

Omni Channel

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

readymade connectors

Ready Made Connectors

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

targeted campaign

Targeted Campaigns

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

invoicing and reconcilation

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

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

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.

banks and financial institutions

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.

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Digital Customer Identification

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Verification requires only a mobile phone or laptop.

PayNet LMS - For All Loan Types 

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Group

Lending

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Variable Installment Loans

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Business

Loans

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Agriculture

Loans

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Incremental Disbursement

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Joint Liability Group

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SME

Lending

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Individual

Lending

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Open Ended Lending

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Custom Loan

Program

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Payday

Loans

Buy Now

Pay Later

Send targeted offers on customer's preferred channels

  • InApp Notification

  • Email Banners 

  • App Banners

  • Social Messengers

  • SMS

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Building a Payment Solution?

Partner with us and launch 10x faster!

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Start Building Your Buy Now Pay Later Platform

PayNet LMS - For All Loan Types 

group lending

Group Lending

business loans

Business Loans

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Incremental Disbursement

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SME Lending

variable installment loans

Variable Installment Loans

agriculture loans

Agriculture Loans

joint liability group

Joint Liability Group

individual lending

Individual Lending

open lending

Open Ended Lending

Custom Loan

Program

custom loan program

Payday Loans

payday loans
buy now pay later

Buy Now

Pay Later

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Start Building Mobile Financial Services Now 

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Start Building Mobile Financial Services Now 

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Start Building Your Payment Gateway  Now

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Start Building Your Digital Bill Payment Platform

Contact Us
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Start Building Your Fintech 10X Faster 🚀

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Let's Talk  About How We Can Support You To Launch White Label Fintech Platform

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Let's Talk  About How We Can Help You To Launch Custom Fintech Software Development

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Automate Your Business With Whatsapp Conversational Chatbots

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Let's Talk  About How We Can Support You
To Launch Digital Banking Services

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Start Building Your Omnichannel Platform

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Start Building Your Omnichannel Banking Platform

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Let's Talk  About How We Can Support You
To Launch Loan Management System

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Start Building Your NeoBank, Today!

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Let's Build Your Fintech 10x Faster 🚀 

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Tap for Speed, QR for Ease – Your Choice!

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Faster Transactions, Less Hassle – Tap or QR?

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.

keep up with ever changing national & international regulations

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

 

collaborate with essential stakeholders

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.

loan application form
take every step of the loan inquiry

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.

gateways for the use of self lending

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

create unique financing products

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.

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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.

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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.

  • Turn potential clients into lifelong partners.

  • 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.

  • Design, implement, and maintain databases using MySQL and MongoDB.

  • Develop and maintain REST APIs

  • Deploy and manage applications on AWS cloud services

  • Collaborate with other team members and stakeholders to ensure project success.

logo paynet

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

  • Facebook
  • Twitter
  • LinkedIn
  • YouTube

© 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.

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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.

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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

Read more about PayNet 

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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

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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.

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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.

PayNet Mobile Banking App

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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

Mobile Financial Inclusion
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Omni Channel Banking

PayNet Omnichannel Banking Platform allows your clients to enjoy a consistent and smooth experience on any medium they choose to reach your bank.

Design seamless interactions across all channels like website, mobile app, branch, telephone, or WhatsApp messenger.

bill-pay
Purchase
credit card
credit card pay
Payroll services
digital content
loyalty programs

Utility Bill Pay

In App Purchase

Credit Card Pay

Credit Card Pay

Payroll Services

Digital Content

Loyalty Programs

payments
scheduled payments
NFC
e-kyc
location
digital-wallet
Mobile banking

Social Payments

Scheduled Payments

NFC

e-KYC

Geo-location Services

Dependent Wallets

Mobile Topups

payments
split payments
multi-currency
coupons
gift-box
tax free collections
Aid distribution

e-Commerce Payments

Split Payments

Multi-Currency Transactions

Coupons & Vouchers

Gifts & Promotions

Tax and Fee Collections

Aid Distribution

Pre Built Features

bill-pay
Purchase
credit card
credit card pay
Payroll services
digital content
loyalty programs

Utility Bill Pay

In App Purchase

Credit Card Pay

International Remittances

Payroll Services

Digital Content

Loyalty Programs

payments
scheduled payments
NFC
e-kyc

Social Payments

Scheduled Payments

NFC

e-KYC

location
digital-wallet
Mobile banking

Geo-location Services

Dependent Wallets

Mobile Topups

payments
split payments

e-Commerce Payments

Split Payments

multi-currency
coupons
gift-box

Multi-Currency Transactions

Coupons & Vouchers

Gifts and Promotions

tax free collections
Aid distribution

Tax and Fee Collections

Aid Distribution

What Our Clients Are Saying

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Build Strong Partnerships With Us

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Fitness Classes

Anytime, Anywhere

Ready to Use Modular Backend

  • 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

  • PayNet offers a ready-to-configure software system that enables Banks, Credit Unions, and Fintechs to go to market quickly.

  • Quick  to deploy with your own branding

  • Configure to match the bank’s workflows

  • Rich set of features to delight retail and business customers

  • PayNet invest heavily in ensuring infrastructure is comprehensive and secure by utilizing highly secured authentication, software security credential, and certification standards.

  • Details are stored with military-grade 256-bit encryption.

  • All data transmission is encrypted to the HTTPS standard.

  • 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

  • 200+ APIs to centrally manage all products.

​​

  • Flexibility to add functionalities and build customer journeys as per your choice.

​​

  • Build customer-centric products through our API and SDKs.

​​

  • Access platform capabilities through our extensive set of 200+ readily consumable, RESTful APIs

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Fully Customisable Turn Key Apps

  • PayNet offers a ready-to-configure software system that enables Banks, Credit Unions, and Fintechs to go to market quickly.

  • Quick  to deploy with your own branding

  • Configure to match the bank’s workflows

  • Rich set of features to delight retail and business customers

PayNet is Certified in Security

  • PayNet invest heavily in ensuring infrastructure is comprehensive and secure by utilizing highly secured authentication, software security credential, and certification standards.

  • Details are stored with military-grade 256-bit encryption.

  • All data transmission is encrypted to the HTTPS standard.

  • All files are transferred in compliance with OWASP standards

.

  • Authorization of all transactions completed with 2-factor auth.

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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.

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