How OptionPay software supports partners who must operate within RBI payment expectations — KYC, monitoring, records and grievance — without claiming OptionPay’s own PA licence.
OptionPay IT Solutions Private Limited provides software. This site does not claim an RBI Payment Aggregator licence, Payment Bank licence, NPCI membership, or Bharat Connect COU/BOU status. Bill pay, AEPS, UPI and related rails run through authorised banks and scheme participants. Licensing for your model is confirmed in writing during onboarding.
Practical alignment with Indian payment and data-protection expectations. Licences stay with authorised entities named in your contracts.
RBI PA/PG guidelines apply to licensed aggregators. OptionPay does not hold customer funds or act as a Payment Aggregator on this website. If your model needs a PA, BC or sponsor bank, that is contracted separately.
We support document collection, PAN/Aadhaar/business checks and production activation gates so partners can evidence KYC before live transactions.
Publish a grievance officer and TATs. Keep transaction metadata and admin logs for dispute handling. Applicable entities may also have RBI Ombudsman / ICS routes.
Banks and licensed partners remain responsible for services they outsource. OptionPay provides tooling, reports and access controls those reviews typically ask for.
We do not display “RBI approved”, “RBI licensed” or similar marks. Alignment means controls and documentation — not a regulator endorsement.
Practical compliance tooling for onboarding, monitoring, documentation and partner accountability.
Platform patterns aligned to Indian payment-system operating models and sponsor arrangements.
Identity, business proof and bank validation with production activation gates.
Velocity rules, alerts and reporting hooks for compliance and risk teams.
Artifacts for bank due diligence, enterprise RFPs and periodic audits.
Settlement, reconciliation and partner hierarchy designed for supervised networks.
Encryption, RBAC, webhook signatures and audit logs that support control frameworks.
Each step is designed so compliance owners, ops teams and partners know what is required before production access.
Map your PA / BC / white-label model and sponsor requirements.
Configure partner and retailer KYC before production rails open.
Enable monitoring, roles, webhooks and audit logging.
Share documentation for bank, NBFC or enterprise reviews.
No licence is implied by this website. OptionPay provides technology. Whether you need a Payment Aggregator, Business Correspondent or sponsor-bank arrangement is confirmed in writing for your model.
PAN, Aadhaar, GST, business proof and bank details for partners. Retailer KYC typically includes shop establishment and identity documents.
Yes. Velocity rules, alerts and reporting surfaces can be configured for compliance and risk workflows.
Book a distributor demo for BBPS, AEPS and partner panels. Book an IT consultation for a website, app or custom system.
