White-label panels, retailer hierarchy and commissions so distributors launch Bharat Connect / BBPS bill pay + Aadhaar banking under their own brand — without building from scratch.
Two clear funnels — so BBPS demos and software projects never get mixed up.
Estimate network economics or find the right OptionPay path in under two minutes.
Model retailer count, daily tickets and average commission. Figures are indicative — not a quote or SLA.
Illustrative monthly commission pool
₹130,000
Actual earnings depend on scheme rates, your pricing, settlement and approvals.
Answer four quick questions — we will recommend distributor platform or IT delivery.
Question 1 of 4
Highlight a column to see the recommended next step. Mix of platform roles and OptionPay IT delivery.
| Capability | Retailer | Distributor | White label | IT buyer |
|---|---|---|---|---|
| Branded domain & theme | — | Optional | Yes | Custom |
| BBPS / Bharat Connect panel | Yes | Yes | Yes | If scoped |
| AEPS enablement | Yes | Yes | Yes | If scoped |
| Downline / commission engine | — | Yes | Yes | Custom |
| PayIn / Payout APIs | — | Add-on | Yes | Custom |
| Typical go-live | Days via distributor | ~7 days post-KYC | 1–3 weeks | Milestone plan |
| Best when you… | Want counter services | Recruit retailers | Own the brand | Need a bespoke product |
Technology aligned to NPCI BBPS / AEPS workflows and major Indian banking rails — not an endorsement by any bank
Badges describe product readiness — not bank sponsorship or an NPCI / RBI licence claim. Read our NPCI, Bharat Connect and RBI-aligned notes.
OptionPay focuses on distributor-led growth: branded BBPS, AEPS, recharge and hierarchy tools that help you onboard retailers faster and keep commissions transparent.
7 days
Typical white-label go-live
1000+
Business partners
BBPS+AEPS
Core retailer stack
T+0
Settlement visibility
Admin, retailer and distributor dashboards with transaction, settlement and commission reports.
Real-time overview of transactions, settlements, partner hierarchy and commission reports.
Book a live demo →Downloadable reports with date filters, service-wise breakdown and export to CSV.
Filter by date, service, retailer and status. Export CSV for reconciliation with real-time success/failure tracking.
See transactions, reporting and wallet management in action.
Bharat Connect / BBPS, AEPS and banking tools for retailer networks — plus custom software, websites and mobile apps from OptionPay IT Solutions.
White-label bill pay for electricity, gas, water, telecom and more — with clear COU/BOU disclaimers.
Representative outcomes from OptionPay partner models. Named case studies publish as partners approve.
"We moved our retailer network to a branded BBPS + AEPS panel and cut onboarding time from weeks to days. Commission reports finally match what retailers see."
"AEPS cash withdrawal and bill payments keep customers coming daily. Settlement visibility and support response are what keep us on OptionPay."
"Our brand, our domain, our pricing — with PayIn/Payout and BBPS modules under one hierarchy. Go-live was measured in days after KYC."
"Sandbox + webhooks made PayIn/Payout integration predictable. We care more about reconciliation than marketing claims — OptionPay delivered that."
Anonymised partner patterns — open a story for challenge, approach and results.
Distributor Growth
A Master Distributor in North India grew active retailers several-fold using branded Bharat Connect / BBPS and AEPS modules with clearer commission reporting.
Read story →Retailer Success
A rural retailer used AEPS cash withdrawal and BBPS bill payments on a branded panel to become a neighborhood digital services point.
Read story →Fintech Startup
A regional fintech brand launched PayIn, Payout and Bharat Connect–ready bill pay under their own domain after KYC and module enablement.
Read story →Building trust through partnerships that last. Creating a network that serves millions.
Quick setup for your BBPS & Recharge services platform
Technical assistance whenever you need
Protected transactions with SSL encryption & audit logs
New features to help you grow
OptionPay IT Solutions Private Limited (incorporated 2021) provides white-label fintech technology with KYC-driven onboarding, audit trails, and operating practices aligned to Indian payment regulations. Licensing and sponsor-bank relationships depend on your business model.
OptionPay provides technology infrastructure. Licensing and sponsor arrangements depend on your business model — see our RBI readiness page for the precise wording.
Bharat Connect is the customer-facing identity for BBPS bill payments. Our software helps distributors run white-label bill-pay networks; COU/BOU roles sit with authorised partners.
Yes. OptionPay IT Solutions is a separate path — use IT consultation, not only the distributor demo funnel.
Many partners enable core modules within about 7 days after KYC and documentation, subject to approvals.
Three Simple Steps to Join:
Choose from Starter, Professional or Enterprise
Hassle-free KYC and onboarding
Go live in as little as 7 days
Distributors: book a Bharat Connect / AEPS demo. Product teams: book an IT consultation for software, web or mobile.
