PayBazzar Technologies Pvt Ltd is embarking on the development of a comprehensive fintech platform that aims to revolutionize financial inclusion and digital services across India and beyond. The project is designed as a multi-layered ecosystem that caters to Retailers, Distributors, and Administrators, integrating multiple financial services such as AEPS (Aadhaar Enabled Payment System), Wallets, Domestic Money Transfer (DMT), Mobile Recharge, Utility Bill Payments, and more into a single, seamless platform.

1 AEPS (Aadhaar Enabled Payment System)

Cash Withdrawal, Balance Enquiry, and Mini Statement using Aadhaar authentication.
NPCI integration for secure Aadhaar-based banking.
Biometric authentication through fingerprint/IRIS devices.

2 Wallet System

Digital wallet for Retailers and Distributors to manage funds.
Easy fund transfers between wallet and bank account.
Secure top-up options via NEFT, IMPS, or UPI.
Transaction history and real-time balance updates.

3 Domestic Money Transfer (DMT)

Transfer money instantly to any bank account in India.
Support for IMPS/NEFT with instant confirmations.
Multiple transaction limits and slab-based charges.
Retailers earn commissions per transaction.

4 Mobile & DTH Recharge

Prepaid mobile recharges across all telecom providers.
Postpaid bill payments.
DTH service recharges.
API-based integration for instant success/failure responses.

5 Utility Bill Payments (BBPS Integration)

Electricity, Gas, Water, and Broadband bill payments.
Bharat Bill Payment System (BBPS) integration.
Auto-generated receipts and real-time settlement.

6 Admin Panel

Centralized control for PayBazzar team.
Manage Retailers and Distributors (onboarding, KYC verification).
Configure commission slabs and settlement rules.
Monitor platform performance and detect fraud.
Generate detailed MIS reports, transaction logs, and settlement reports.

7 Distributor Panel

Dashboard to onboard and manage retailers.
Commission and earning reports.
Wallet management for fund transfers to retailers.
Transaction oversight and support ticket handling.

8 Retailer Panel

Simplified POS-style dashboard for daily transactions.
Quick access to AEPS, DMT, Recharge, and Bill Payment modules.
Real-time earnings report.
Instant receipts for customer transactions.

9 Security & Compliance Features

Two-factor authentication for all logins.
End-to-end encrypted transaction processing.
PCI-DSS and RBI-compliant security architecture.
Fraud detection and dispute resolution system.

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