For merchants
How to become an OUTPAY merchant: eligibility, documents and steps
What you need to become an OUTPAY merchant, the documents to keep ready, and the nine steps from application to your first transaction.
1 min readRead
Pan-India merchant network
Scan. Pay. Get Cash.
Access cash and essential financial services through authorised OUTPAY merchant points located near your home, workplace or local market.
- Authorised merchant points
- Secure authentication
- Digital receipt for every transaction
One merchant point, many essential services
Everyday financial services, delivered through a trusted local merchant.
UPI Cash-Access Services
Scan-based cash access at any OUTPAY merchant point.
Learn moreAePS Services
Aadhaar-enabled payment services, authenticated securely.
Learn moreDomestic Money Transfer
Fast, secure money transfer to any bank account in India.
Learn moreMicro-ATM Services
Card-based cash access wherever a bank branch isn't nearby.
Learn moreRecharge & Utility Services
Instant recharges for mobile, DTH and toll accounts.
Learn moreBBPS Services
Bharat Bill Payment System: every regular household bill, in one place.
Learn moreAdditional Financial Services
Everyday assistance beyond payments.
Learn more
Cash and essential services, made simple
A secure, four-step process at every OUTPAY merchant point.
- 1
Find a merchant
Locate a nearby authorised OUTPAY merchant point.
- 2
Confirm and authenticate
Confirm service availability and authenticate securely.
- 3
Verify the transaction
Your transaction is verified before it's completed.
- 4
Get cash and a receipt
Receive your cash or service, plus a digital receipt.
About OUTPAY
Making financial services more accessible
OUTPAY INDIA is a technology-enabled merchant network built to improve access to cash and assisted digital financial services across India. We connect customers with trusted local merchants, and support those merchants with secure technology, structured operations and transparent processes.
- Trust and security built into every transaction
- Pan-India reach: local access, national network
- A structured network from Head Office to merchant
- Support-driven, with training at every level
Why choose OUTPAY
Built on trust, backed by structure.
Trust
A transparent network built on verified merchants.
Accessibility
Services available at merchant points close to home.
Security
Encrypted, authenticated, audited transactions.
Scalable network
A structured hierarchy built for pan-India growth.
Support-driven
Training and assistance at every level of the network.
For shop owners
Turn your shop into an OUTPAY service point
Offer cash withdrawal, money transfer and bill payments to your customers, and grow your business with an additional income stream, a merchant dashboard, and hands-on training and support.
- Additional earning potential from every transaction
- Increased customer footfall to your shop
- Local distributor assistance and structured training
For distributors
Build a territory business with OUTPAY
Lead a State, District or Pincode territory, recruiting and supporting merchants, and building a structured business backed by OUTPAY's training, tools and technology.
- Territory-based business ownership
- Dedicated onboarding and platform training
- Distributor dashboard for tracking and reporting
Our expansion targets
36
State and regional territories
400
District distributors
1,000
Pincode distributors
2,000
Initial merchants
These figures are business expansion targets, not our current network size, and are not guaranteed outcomes. Actual growth depends on merchant activation, partner approval, operating conditions and market factors. See the Compliance Disclaimer for details.
Find an OUTPAY merchant near you
Enter your pincode to see authorised merchant points close to you.
Frequently asked questions
What is OUTPAY INDIA?
OUTPAY INDIA is a technology-enabled merchant network that improves access to cash and assisted digital financial services across India. We connect customers with trusted local merchants, and support those merchants with secure technology, structured operations and transparent processes.
Is OUTPAY INDIA a bank?
No. OUTPAY INDIA is a technology-enabled service platform and is not a bank. Services are made available through tie-ups with authorised banks, business correspondents and regulated partners, subject to eligibility, limits and applicable regulations.
What services can I get at an OUTPAY merchant point?
Services may include UPI cash access, AePS, domestic money transfer, micro-ATM services, recharge and utility payments, and BBPS bill payments. Which services a particular merchant offers can vary, so confirm with the merchant before you go.
How do I get cash from an OUTPAY merchant?
Find a nearby authorised merchant point, confirm the service is available, enter the amount, and authenticate securely. Your transaction is verified before it is completed, and you receive your cash along with a digital receipt.
What are your support hours, and how quickly will you reply?
Our team is available Monday to Saturday, 9:30 AM to 6:30 PM IST. Enquiries sent outside these hours are answered the next business day, and we typically respond within one business day.
Should I ever share my UPI PIN or OTP with a merchant?
No, never. OUTPAY and its merchants will never ask for your UPI PIN or any OTP, including someone claiming to be from OUTPAY. Confirm the exact amount before you authorise a transaction and always collect your digital receipt.
Who can become an OUTPAY merchant?
You need an active retail shop, valid identity and address proof, a PAN, an active bank account, a smartphone with internet, the ability to manage cash, a good local reputation, and a willingness to follow compliance requirements.
What documents do I need to apply as a merchant?
Typically your Aadhaar card, PAN card, a passport-size photograph, a photograph of your shop, business proof, a bank statement, a cancelled cheque, address proof, GST registration and trade licence where applicable, and your mobile number and email. Documents are collected during verified onboarding, not on the website form.
Is the earning potential guaranteed?
No. Any earning example is an indicative estimate only. Actual earnings depend on your transaction volume, local demand, the services active on your account, and your operating hours and cash availability.
What types of distributor are there?
There are three: State distributors, who oversee state-level merchant and district-distributor growth; District distributors, who recruit and support pincode distributors and merchants in a district; and Pincode distributors, who recruit, train and support merchants within an assigned pincode.
Does OUTPAY guarantee income to distributors?
No. All investment, commission and income illustrations are indicative business projections only. OUTPAY INDIA does not guarantee income, returns or profitability to any distributor. Please read the Compliance Disclaimer before you commit.
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Ready to grow with OUTPAY INDIA?
Whether you run a shop or want to build a territory business, there's a place for you in the OUTPAY network.