Full Product Stack

Full Product Stack

Sarvatra is a pioneer in developing payment solutions on NPCI platform. Today, we have the most exhaustive payment products stack in India, including CBDC (e₹), RuPay debit card, ATM, POS, E-com, Micro ATM, IMPS, AePS, UPI, BBPS, and POS-based branch servicing solutions. Our end-to-end range of banking, switching, and payment solutions address the special requirements of the rural/co-operative banking sector. Moreover, our offerings remove all budgetary, technological, operational, and infrastructural impediments faced by the sector, thereby enabling our client banks to compete with other technology-driven players in a cost-effective manner.

Integrated Platform

Supports all payments and reporting modules flexibly with lowest total cost of ownership, solves mission-critical payments processing and MIS challenges

CBDC Platform

India’s first CBDC platform, Sarvatra CBDC is highly scalable and secure and has comprehensive capabilities to process and manage e₹ tokens issued by RBI

UPI Platform

We were among the first in India to roll out UPI, an instant real-time payment system developed by NPCI to facilitate inter-bank transactions via mobile

AePS Platform

Our AePS solution offers an entire range of services and empowers customers to securely access their bank accounts with their Aadhaar numbers

IMPS Platform

IMPS is an instant, 24×7, interbank, electronic fund transfer service provided by NPCI through mobile phones, with immediate confirmation

BBPS Platform

Offers interoperable bill payment services via a network of agents, enabling multiple payment modes and instant confirmation of receipt of payment

EFT Platform

Enables banks under the ASP model for issuing RuPay ATM, Debit, EMV, and KCC cards and for deploying ATM, POS, E-com to acquire transactions on NFS

Prepaid Platform

Offers bank customers the many benefits of plastic payment with the ability to use their wallet for P2P and P2M UPI transactions with full control

Micro ATM – FI Platform

Facilitates financial inclusion by enabling interoperable online transactions on POS terminals through BCs and Primary Agricultural Credit Societies (PACS)

Mobile Banking App

An alternative banking channel for the customer to access their bank account on their mobile, enabling convenient funds transfer via IMPS, NEFT/RTGS and more

CardSafe Security App

A minimalistic mobile app for ensuring the security of a bank customer’s cards by allowing the customer to block/unblock channels and set daily transaction limits

Sarvatra Rewards

Sarvatra Rewards App allows bank customers to collect and redeem reward points when they use UPI or card to pay at 50K+ leading retailers nationwide

Card Manufacturing

Sarvatra’s own card manufacturing unit which operates out of a 12,000 sq ft facility with state-of-the-art machinery, full security and certification

How can we help you?

Contact us at our Pune office or submit a business inquiry online.

Sarvatra’s Financial Inclusion Platform with AePS Switch, Micro ATM Switch, and FI Portal solutions have made a big difference to our business. They are easy to use, secure, and dependable, which has helped us build stronger customer trust. We’ve also seen a clear increase in transactions and earnings.

Ashutosh Shirbhate

CTO, NSDL Payments Bank

I am happy with the pace of work (in developing the UPI solution for ICICI Bank). It is also very encouraging the way you are tracking the progress. I am more confident that we can meet the deadline successfully.

Rahul Joshi

Former Head - Digital Channels, ICICI Bank Ltd.

Congratulations for bringing all 24 Banks onto NPCI Rupay platform in record time. We thank you for the relentless efforts you have put in to make this possible. We will now move forward with new initiatives.

Srinivas Muppaneni

Group CIO, A.P. & Telangana State Co-op. Banks

We became India’s first Sub-Member Bank to go live on RuPay E-com, issue EMV cards, and migrate to Direct Membership for which we won NPCI Special Award. Thank you Sarvatra for being a valuable technology partner.

Vishal Madan

Sr. VP - IT, Capital Small Finance Bank Ltd.

I hereby congratulate the Sarvatra Team for your sincere and dedicated efforts in making the 1st sub-member bank in India to go live on the AEPS channel (On-us and BFD).

Deepak Satpathy

Asst. Manager - FI & New Business, NPCI

Thanks to your timely support, Maharashtra stood first in the country by issuing the largest number of RKCCs. We deeply appreciate your effort and look forward to your continued support in keeping Maharashtra on top.

Prabodhita Pande

AGM - DFIBT, NABARD, MRO, Pune