Sambhav Pay provides an API‑driven platform that lets small retailers, freelancers and micro‑entrepreneurs in tier‑2, tier‑3 and rural India accept digital payments and offer value‑added services such as mobile/DTH recharge, bill payments, AEPS, micro‑ATM, UPI, PAN card issuance and travel bookings. The solution includes ready‑made plugins, SDKs and a smart routing engine for high‑success transactions, with real‑time dashboards, instant settlement and PCI‑DSS level 1 security.
Funding
Funding not disclosed
Founders
Product
Problem
Small businesses, freelancers, and merchants in tier‑2, tier‑3 and rural India often lack access to integrated digital payment, recharge, bill‑pay, and financial services, leading to cash‑heavy operations, limited customer reach, and inefficient transaction processing.
Solution
Sambhav Pay offers a unified, API‑driven payment platform that aggregates multiple services—including mobile/DTH recharge, bill payments, AEPS, micro‑ATM, UPI, PAN card issuance, and travel bookings—into a single checkout experience. Retailers can onboard online within hours, integrate via ready‑made plugins or SDKs, and accept payments through cards, net‑banking, UPI, wallets, and cash‑withdrawal services. The platform’s Smart Router optimizes transaction routing for high success rates, while PCI‑DSS compliance, 256‑bit encryption, and continuous monitoring ensure security. Business owners gain real‑time dashboard reporting, instant settlement, and the ability to expand their service portfolio without additional infrastructure.
Target Audience
Retailers, micro‑entrepreneurs, freelancers, and small merchants operating in tier‑2, tier‑3 and rural markets who need a single solution to accept digital payments and offer value‑added services to their customers.
Features
- API and SDKs (Web, Android, iOS) plus plug‑and‑play plugins for major e‑commerce platforms (Magento, WordPress, PrestaShop, etc.)
- Smart Router that dynamically selects the optimal payment gateway to maximize success ratio and uptime
- Integrated suite of services: mobile/DTH recharge, bill payments, AEPS, micro‑ATM, UPI, PAN card creation, travel ticketing, and cash‑management
- PCI‑DSS level 1 compliance with 256‑bit AES encryption, dynamic hash verification, and 24/7 fraud monitoring
- Instant KYC onboarding with paperless verification, enabling merchants to start transacting within 2 hours
- Unified dashboard for transaction monitoring, reporting, and multi‑channel settlement
- Competitive, transparent pricing with no hidden setup fees