Co-branded Digital Wallet

The Best Co-branded Digital Wallet Stack for Indian Businesses

Build, Launch & Scale Digital Wallets in India, Confidently

Powering the Future of Financial Infrastructure

100%

Regulatory Compliance

99.99%

Platform Uptime

100%

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A Full-stack Wallet-as-a-Service (WaaS): Designed for Scale

Start with Compliance Built In

A digital wallet solution provider built on a fully licensed and regulated foundation, eliminating the complexity of developing your own compliant prepaid wallet stack.

RBI-Authorized Licenses

We operate under both PPI and PA/PG licenses, giving you immediate access to regulated infrastructure.

Compliant by Design

Escrow, KYC, and settlement flows are pre-built to ensure every transaction aligns with strict RBI regulations.

Multi-Layered Data Protection Architecture

PCI-DSS-certified infrastructure with AI fraud intelligence and real-time anomaly detection ensures end-to-end payment data protection.

Audit & Governance

Automated reporting and compliance trails make it easier to meet regulatory and partner bank obligations.

Never Lose a User to KYC Delays

Accelerate user onboarding and wallet activation with 24×7, always-on verification flows.

Smart KYC Onboarding

Onboard users at any hour, including pre- and post-office times, ensuring no drop-offs due to time constraints.

Instant Wallet Activation

Real-time notifications keep your platform updated the moment a wallet is fully enabled.

Tier Upgrade Flows

Seamlessly move users from Min KYC to Full KYC, unlocking higher wallet limits and interoperability without additional friction.

Built for Scale

Optimized KYC engine supports large volumes without slowing down the user journey.

Manage Every Payment Flow in One Place

All functions — Wallets, Payment Gateway, BBPS, and Merchant settlement are live under one platform, not across multiple vendors.

API-First Approach

From wallet creation to fund loading to IMPS transfer, everything managed through APIs.

Pre-Integrated Payment Gateway

Simplify fund flows with an embedded payment gateway that eliminates third-party integrations.

Multi-Rail Support

Enable wallet loads, spends, refunds, merchant settlements, and UPI linkage in a unified flow.

Operational Visibility

Monitor transactions and settlements in real-time through a single dashboard.

Go-live with Developer-First Infrastructure

Built for product and tech teams that want to move fast without sacrificing reliability.

Powerful APIs

REST APIs designed for speed, security, and easy integration.

Sandbox Environment

Test, iterate, and simulate transactions safely before going live.

Event-Driven Architecture

Webhooks for real-time updates on transactions, settlements, and wallet events.

Flexible Integration

Works seamlessly across mobile and web platforms with minimal engineering effort.

Digital Wallet Infrastructure That Fits Your Vision

Gig Economy & Payouts

Marketplace Merchant Settlements

Refunds, Loyalty & Cashback

Corporate Wallets

Campus, EdTech & Communities

Gig Economy & Payouts

Power instant, trackable payouts for gig platforms and creator economies.

Digital Wallet Infrastructure That Fits Your Vision

Gig Economy & Payouts

Marketplace Merchant Settlements

Refunds, Loyalty & Cashback

Corporate Wallets

Campus, EdTech & Communities

From Wallet Issuance to Payment Processing: End-to-End Digital Wallet Service Provider

Start Building Your Wallet Today

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Frequently Asked Questions (FAQs)

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01. What are the PPI wallet limits, including Min KYC and Full KYC?

Min KYC: Up to ₹10,000 balance, ₹10,000 monthly load/spend. Full KYC: Up to ₹2 Lakh balance at any time, with no monthly limits on loads or spends.

02. What are the beneficiary limits?

You can add unlimited beneficiaries. There are no restrictions on the number of bank accounts or wallets linked for transfers.

03. How do cobrand partners manage funds?

As a cobrand partner, you maintain a master wallet with EnKash. You can load funds to individual user wallets only up to the available balance in your master wallet.

04. Is there a wallet expiry?

Wallets do not expire as long as they are active. Inactive wallets (no transactions for 12 months) may be flagged, but funds remain safe and can be reactivated anytime.

05. What KYC methods are supported?

We support seamless digital KYC (Aadhaar e-sign or OTP-based), video KYC, and offline options. Your users can complete it directly in-app for quick upgrades.

06. Is user data shared with the cobrand partner?

Yes, as per RBI co-branding guidelines, cobrand partners get access to relevant transaction data, KYC status, and wallet details for compliance and operations. Sensitive data is shared securely and only as needed.

07. Are IMPS transfers allowed from the wallet?

Yes, instant IMPS transfers to bank accounts are fully supported for Full KYC wallets – fast, 24/7, and reliable for payouts. IMPS is not allowed on Min KYC wallets.

08. Are there any limits on IMPS transfers from wallets?

Up to ₹2 Lakh per transaction, no monthly cap overall. However, the maximum is ₹2 Lakh per beneficiary per month.

09. Can I issue cards under a co-branding arrangement?

Yes! Under our co-branding model, you can issue RuPay prepaid cards (virtual or physical) in your brand name. This is fully supported and helps add new features like card-based spending for your users.

10. Are there any restrictions or guidelines for using PPI wallets for rent payments or education payments?

PPI wallets can be used for legitimate rent and education payments as per RBI guidelines for prepaid instruments. All transactions must comply with RBI rules on permitted use cases, KYC requirements, and limits – no special restrictions beyond standard PPI regulations. We ensure full compliance in our setup.

The Best Co-branded Digital Wallet Stack for Indian Businesses

Powering the Future of Financial Infrastructure

A Full-stack Wallet-as-a-Service (WaaS): Designed for Scale

Start with Compliance Built In

RBI-Authorized Licenses

Compliant by Design

Multi-Layered Data Protection Architecture

Audit & Governance

Never Lose a User to KYC Delays

Smart KYC Onboarding

Instant Wallet Activation

Tier Upgrade Flows

Built for Scale

Manage Every Payment Flow in One Place

API-First Approach

Pre-Integrated Payment Gateway

Multi-Rail Support

Operational Visibility

Go-live with Developer-First Infrastructure

Powerful APIs

Sandbox Environment

Event-Driven Architecture

Flexible Integration

Digital Wallet Infrastructure That Fits Your Vision

Gig Economy & Payouts

Digital Wallet Infrastructure That Fits Your Vision

From Wallet Issuance to Payment Processing: End-to-End Digital Wallet Service Provider

Start Building Your Wallet Today

Frequently Asked Questions (FAQs)

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The Best Co-branded Digital Wallet Stack for Indian Businesses

Powering the Future of Financial Infrastructure

A Full-stack Wallet-as-a-Service (WaaS): Designed for Scale

Start with Compliance Built In

RBI-Authorized Licenses

Compliant by Design

Multi-Layered Data Protection Architecture

Audit & Governance

Never Lose a User to KYC Delays

Smart KYC Onboarding

Instant Wallet Activation

Tier Upgrade Flows

Built for Scale

Manage Every Payment Flow in One Place

API-First Approach

Pre-Integrated Payment Gateway

Multi-Rail Support

Operational Visibility

Go-live with Developer-First Infrastructure

Powerful APIs

Sandbox Environment

Event-Driven Architecture

Flexible Integration

Digital Wallet Infrastructure That Fits Your Vision

Gig Economy & Payouts

Digital Wallet Infrastructure That Fits Your Vision

From Wallet Issuance to Payment Processing: End-to-End Digital Wallet Service Provider

Start Building Your Wallet Today

Frequently Asked Questions (FAQs)