Building a More Connected Digital Bharat
CashioPay is a digital financial services company committed to making essential banking, payment and digital services more accessible, convenient and reliable across India.
We are building a technology-led financial services ecosystem that connects businesses, retail partners and customers through a trusted and scalable digital platform.
Our focus is to simplify access to essential financial services and empower local businesses to serve their communities with greater convenience and efficiency.
Our Purpose
India's digital economy is growing rapidly, but access to financial services remains uneven across many rural and semi-urban markets.
CashioPay is working to bridge this gap by bringing essential financial and digital services closer to customers through a growing network of trusted retail partners.
We believe technology should make financial services simple, accessible and available to everyone β regardless of location.
What We Offer
CashioPay brings multiple essential services together on a single platform, designed to help retail partners manage services efficiently while delivering a convenient experience to their customers.
Aadhaar-enabled payment services for seamless banking access at every retail counter.
Fast, reliable money transfer services connecting families across the country.
Compact ATM solutions enabling cash withdrawals and balance inquiries anywhere.
One-stop solution for electricity, water, gas and all utility bill payments.
Quick recharge services for mobile, DTH and FASTag right at the counter.
Hassle-free PAN card application and delivery services for customers.
Comprehensive digital payment solutions for a cashless transaction experience.
Tailored tools and technology to help businesses grow and serve their communities better.
Empowering Local Businesses
Our retail network is at the core of the CashioPay ecosystem. We enable local entrepreneurs, retailers and businesses to become accessible digital service points within their communities.
By providing them with the right technology, services and support, we help create new opportunities while making essential services easier for customers to access.
Built on Trust. Driven by Technology.
At CashioPay, we place strong emphasis on security, reliability, transparency and operational excellence. Our approach is focused on building a long-term ecosystem where customers, retailers, distributors and business partners can grow together.
To become one of India's most trusted digital financial services platforms, connecting millions of customers and businesses with accessible and reliable financial services.
To simplify financial access, empower local businesses and accelerate digital financial inclusion across Bharat.
Our Team
A small team of operators, engineers and banking-partnership specialists. Tap a card to read their story.
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Cedric Gabriel is the Founder & CEO of CashioPay, bringing over a decade of experience in sales across Telecom, Digital Services, and Fintech since 2012.
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GOVINDA KAMDE is the Co-Founder & COO of CashioPay, driving business operations, strategic initiatives, and the companyβs growth across the fintech ecosystem.
CashioPay makes it effortless for retail entrepreneurs to offer AEPS, BBPS, DMT and more β giving every neighbourhood store the tools and trust to become a full financial access point.
What Drives Us
Open each one to read what it means to us, day to day.
Consistent, incremental improvements to reliability matter more than chasing perfection. We stay focused on steady progress for every partner, every release.
From authentication to settlement, every layer of the transaction is built to work together, every single time β no partner should ever have to think twice.
Understanding the everyday challenges of retail partners and fostering a genuine sense of connection. It takes a network β no store grows alone.
We give partners control of their business by providing the tools, data and knowledge they need to make confident decisions, every day.
Open conversations about fees, settlement times and support. Every partner deserves a clear, honest path forward β no fine print, no surprises.
Partner Stories
Real stories from retail partners across India.
Pehle doubt tha, lekin pehli same-day settlement ke baad sab clear ho gaya. AEPS ka uptime itna solid hai ki ab mere customers meri dukaan pe bharosa karte hain.
Ek hi dashboard pe BBPS aur DMT chalane se roz double customers aane lage. Commission seedha wallet mein β koi bhi payout ke liye wait nahi karna.
Onboarding sirf paanch minute mein ho gayi aur support ne har sawaal ka jawab diya. Pehli baar laga koi cheez sach mein dukaaandaaron ke liye bani hai.
Mini-statement aur passbook ek-ek rupaye mein match karte hain. Isi consistency ki wajah se mere customers counter pe aankh moond ke bharosa karte hain.
No franchise fee. No hidden charges. Onboarding takes under 10 minutes.
