PayPoint India Franchise
Mumbai assisted-banking agent network (kiosk banking, AePS, bill pay); agent sign-up with no published fees or terms; RBI-authorised wallet; 123 board complaints.
We couldn't confirm PayPoint India is taking franchisees right now
Treat this as research, not an open offer, until the brand confirms its programme in writing. See the note below.
About This Listing
PayPoint's site invites retailers, distributors and super distributors to sign up as agents ('Become an Agent'; 'Create your agent account in minutes'), and its Services page calls this 'the PayPoint franchise'. It publishes no fee, deposit, commission rate, territory or agreement text, so we cannot say what you would sign or pay. A public complaints board lists 123 complaints against the company (5 marked resolved; latest July 2023). Some posters allege they paid for a bank-kiosk (CSP) code or distributorship and did not get it or a refund: Rs 12,500 in 2015 (post of 2017, marked Resolved on the board), Rs 50,000 and 25,000 (2021), and Rs 89,000 (2022, where the company replied that the payment details were not its own); other users allege unauthorised debits. These are allegations from an open complaints site, and the company's side is mostly not shown. Before paying anything, ask in writing for the fee, refund terms, commission schedule and the bank or service-provider tie-up you are being offered, and confirm that tie-up with the bank itself.
Source: PayPoint India's own sign-up pages (agent account, no terms published)
PayPoint India franchise at a glance (terms checked Nov 2026)
Investment
Not published
The brand doesn't publish its investment
Ongoing take
Commission
Franchise fee
No franchise fee
Payback
Not published
- Disputes with franchisees: None found (records checked Nov 2026)
- Company standing: Active and up to date with the registrar
Outlets
Not published
What we couldn't verify
- โข Outlet closures
- โข Franchisee satisfaction
- โข Profit or loss
- โข Revenue trend
Ask before you sign
- Get written confirmation that PayPoint India is taking franchisees at all before paying anything โ see the note at the top of this page.
- Ask for every upfront payment in writing โ deposit, onboarding, equipment or stock โ and which parts are refundable.
- Ask exactly how your margin or commission is calculated, when it's paid, and whether the brand can change it.
Franchise terms checked against PayPoint India's agent sign-up page on 15 Nov 2026. Figures marked * aren't published by the brand โ they come from other published sources or our own estimate, and aren't verified.
Ways to Partner with PayPoint India
4 partner models published by the brand. Figures it doesn't publish are left blank.
Retailer (agent)
- Royalty / margin
- Commission on services; rates not published.
The Retailer account is the shop-level agent that offers kiosk banking, AePS, money transfer, bill payments and recharges. No fee is published.
Distributor
- Royalty / margin
- Not published.
Listed as a log-in and sign-up tier ('Become Distributor Partner'); the site does not describe its terms.
Super Distributor
- Royalty / margin
- Not published.
Listed as a log-in and sign-up tier ('Become Super Distributor Partner'); the site does not describe its terms.
Associate Partner / DSA
- Royalty / margin
- Not published.
The home page lists an 'Associate Partner' log-in and the sign-up form lists 'Become DSA Partner'; the site does not describe either.
Reputation & News
1 red flag to checkWhat the press, courts and real franchisees or customers have said about PayPoint India โ summarised by us, with every source linked.
- Customer viewยท Jul 2023โ 1/5 ยท 123 ratings
Complaints board: 1 of 5, 123 complaints, 5 marked resolved
A public complaints board lists 123 complaints against the company, 118 unresolved, with the latest in July 2023. Posters allege they paid for bank-kiosk (CSP) codes or distributorships and received neither the service nor a refund: Rs 12,500 by draft in Feb 2015 (posted Sep 2017; the board marks it Resolved without saying how), Rs 50,000 and 25,000 (posted Jul 2021), Rs 89,000 for a Bank of India CSP (Apr-Sep 2022; a company reply on Jul 2022 says the payment details do not belong to the company), and a refund for a bank-correspondent point paid for five years earlier (Aug 2021). Others allege unauthorised debits of Rs 15,000 (Jul 2023) and Rs 20,000 twice (Mar 2023), and an agent-holder alleged poor service and low margins (2009). These are allegations from an open complaints site, which attracts unhappy users; the company replied to only some posts and we did not verify any of them.
Source: ConsumerComplaints.in - regulatoryยท Oct 2026
Listed by the RBI as an authorised prepaid payment instrument issuer
The Reserve Bank of India's list of Certificates of Authorisation under the Payment and Settlement Systems Act (30 Oct 2026) includes Pay Point India Network Private Limited for 'Digi Khata' prepaid payment instruments. This covers the company's wallet, not an agent's kiosk-banking or other services.
Source: Reserve Bank of India
Legal & Contract Summary
Key contract terms at a glance โ read before you sign.
Agreement Type
You supply retailers in your territory
Contract Duration
โRenewal Available
โTerritory Exclusivity
โNon-Compete Clause
โExit Clause
โWho Can Apply for PayPoint India
Conditions the brand sets for partners, and the licences the business needs.
Licences & registrations
| Licence | Issued by | Who gets it |
|---|---|---|
| RBI authorisation for prepaid payment instruments (Digi Khata)The company holds the wallet authorisation; an agent's bank kiosk banking and other services depend on separate tie-ups with banks and service providers. | Reserve Bank of India | The brand |
About the Brand
Brand USP
An assisted-banking and payments agent network from Mumbai, with its own RBI-authorised prepaid wallet (Digi Khata) alongside bank kiosk banking, AePS and bill-payment services.
Why invest in PayPoint India?
PayPoint India by the Numbers
As stated by the brand1,00,000+
Retailers (home page) ยท Nov 2026
Brand claim64,000+ mom and pop stores; 50,000+ retailer entrepreneurs on the same page
Stores (About page) ยท Nov 2026 (undated text)
Brand claim120+ service providers and services claimed
Services ยท Nov 2026
Brand claimMumbai, Thane, Delhi, Lucknow, Hyderabad, Guwahati and Calcutta
Regional offices ยท Nov 2026
Brand claimCompany Health Check
What PayPoint India's franchisor company has filed with the registrar and the courts โ the checks a lawyer would run before you sign.
- Status with the registrar
- Active
Source: Registry mirrors (Finanvo, Instafinancials, Vakilsearch; Active); RBI list of authorised PPI issuers; public complaints board (no court search run) (checked Nov 2026)
Full company recordsFinancials year by year, registered details, leadership and timelineShowHide
Company Profile
The legal entity behind the brand, its leadership, and its official channels.
- Registered name
- Pay Point India Network Private Limited
- Company type
- Private Limited Company
- CIN
- U74999MH2005PTC156130
- Incorporated
- 16 Sep 2005
- Headquarters
- Powai, Mumbai, Maharashtra
Leadership
- KKetan DoshiManaging Director, as named in press items posted on the brand's news page (2020-2022)
Social presence
PayPoint India Timeline
Apr 2012
RBI list shows Digi Khata prepaid payment instrument authorisation
The RBI list of authorised PPI issuers (30 Oct 2026) gives 03.04.2012 against the company's Digi Khata instrument.
Source
FranchiseChuno Analysis
Our analysis of verified dataHow PayPoint India looks once the numbers are checked side by side.
- โBrand operating for 18 yearsFounded in 2008. The brand doesn't state when franchising began.
- !1 red flag in the news or public discussionSee Reputation & News below, and ask the brand to address each one.
Data completeness
45%
- โ Terms checked against the brand's own page
- โ Published investment (not an estimate)
- โ Franchise fee
- โ Royalty
- โ ROI or payback claim
- โ Agreement term
- โ Training details
- โ Outlet cities verified
- โ Company financials
- โ Legal entity
- โ News & public opinion checked
Ask Before You Sign
Questions tailored to what PayPoint India does and doesn't publish.
- 1Get written confirmation that PayPoint India is taking franchisees at all before paying anything โ see the note at the top of this page.
- 2Ask for every upfront payment in writing โ deposit, onboarding, equipment or stock โ and which parts are refundable.
- 3Ask exactly how your margin or commission is calculated, when it's paid, and whether the brand can change it.
- 4Ask for the agreement term, renewal fee and exit or transfer terms.
- 5Ask whether you get an exclusive territory, and how large it is.
- 6Ask the brand to respond to each red flag listed under Reputation & News.
- 7Have a lawyer review the franchise agreement before paying anything.
- 8Visit 2โ3 existing outlets and speak to their owners without the brand present.
Running the outletSpace, staff, launch steps, training, support and who does whatShowHide
Operations Required
What you'll need on the ground to run this franchise day-to-day.
Area Required
โ
Staff Needed
โ
Setup Time
โ
Owner Involvement
โ
Best Locations
Not published
Business Type
Not published
Training & Support
What the brand provides to help you launch and run your franchise.
Operations Manual
Step-by-step playbook for running the outlet
Supply Chain Support
Vendor sourcing, inventory & logistics
Technology / POS
Billing, inventory, and management software
Marketing Support
National & local marketing campaigns
Launch Support
Pre-opening setup and grand-opening assistance
Ongoing Field Support
Regular visits and operational coaching
Training Programme
Ongoing Support
What PayPoint India franchisees say
We haven't yet heard from enough PayPoint India franchisees to show anything. We publish totals once 3 or more people who run an outlet have answered and we've called each one to check.
I run a PayPoint India outlet โ share how it went
