Prepared For:-

Name:- Mr-Oscar

Date:-- 3 – january -2023

Company:-

E-mail:-
 ABOUT US:

Welcome to Pinwallet Payments, where we strive to be the preferred platform

for all your banking, E-Commerce, marketplace, and other payment needs.
Our mission is to provide a quick, flexible, and transparent path to the bank,
with a strong emphasis on innovation, readily available goods, and cutting-
edge technology.
We believe that everyone, regardless of their social or economic limitations,
should have access to the benefits of the digital economy. Our platform offers
a variety of experiences and provides analytical, anticipatory insights to
empower our customers with more informed choices. Data security is of
paramount importance to us. We handle sensitive information with the
utmost confidentiality and adhere to tight security standards to protect our
customers' data. You can trust us to safeguard your information and ensure
that it remains secure at all times.
Our comprehensive domain expertise in payment solutions, digital payments,
government, risk, compliance solutions, and market-ready business processes
enables financial institutions to develop future-proof business plans. Our easy-
to-use interface abstracts away the complexities of accessing and integrating
payment services, making it simple for developers to leverage our solutions
and create innovative applications. Join us in our mission to create a disruptive
digital economy, supported by a global market of customers and businesses
that effectively move money, creating opportunities for all.
Let's work together to transform the way payments are made and
revolutionize enterprises with our pioneering digital solutions and forefront
technologies. Choose Pinwallet Payments for a seamless, secure, and
innovative payment experience. Contact us today to explore how we can help
you achieve your payment goals!!
 API PROPOSAL

AEPS API

Aadhaar Enabled Payment System," often known as AEPS, is an Indian digital payment system that
enables users to conduct financial transactions using their Aadhaar number and biometric
identity. Customers can access the AEPS system from within the developer's application by using
the AEPS API, which is a software interface that allows developers to include the AEPS system in
their own software applications. Developers must first register with a bank and Pinwallet
Payments, a leading payment service provider that supports the AEPS system in order to use the
AEPS API under the NPCI regulations. Cash withdrawals, balance inquiries, fund transfers, and
other routine operations can be carried out using the AEPS API.

Bank Commission
Amount Commission
Rs. 100-200 Rs. 0
Rs. 201-500 Rs. 0.40%
Rs. 501 - 3000 0.40%
Rs. 3001- Above Rs. 13.50/- Flat

Mini Statement
We are providing Dynamic Commission Management, Profit Reports, Uses Reports, and Customer
Data. This service will be providedby Bank. Mini statement service to enquire about the recent
transactions made using the account. An instant confirmation is generated for the Mini
Statement. The commission will be Rs. 1.50/per txn.

Aadhaar Pay (ICICI) API

Amount Surcharge
Rs. 1-10,000 0.25%
 API:
AEPS-Payout API

We are providing AEPS-Payout service for Settlement. You can do txn in an account.

Amount Surcharge
Rs. 1-2,00,000 Rs. 5.00

Xpress-Payout
We are providing Xpress-Dmr service for 24*7 and you can do txn in multiple accounts.

Amount Surcharge
Rs. 1-50,000 Rs. 10.00/-Flat

M-ATM &M-POS
Micro ATM meant to be a device that is used by a million Business Correspondents (BC) to deliver
basic banking services. The basic transaction types, to be supported by micro ATM, are Deposit,
Withdrawal, Fund transfer and Balance enquiry.
*Pinwallet providing m-ATM One-time device cost Rs. 1600/-+GST only. No monthly rental.*

M-ATM Commission:

Amount Withdrawal in Slab

Rs. 300 - 499 Rs. 0.30 Flat
Rs. 500 Rs. 0.80 Flat
Rs. 501 - 3000 0.38%
Rs. 3001- Above Rs. 12.50 /- Flat
M-POS Commission:

Transaction Discount Rate Surcharge(% of Include GST

Transaction)
Rupay – Debit & Credit Card 0.00% 0.00%

Domestic Debit Cards (Visa & 0.410% 0.484%

MasterCard) below Rs: 2000/- *
Domestic Debit Cards (Visa & Master) 0.89% 1.05%
above Rs: 2000/-
Domestic Credit Cards – Special 1.35% 1.59%
Segments**
Domestic Consumer Credit Cards- Other 1.77% 2.09%
Segments

NOTE: **Special Segments: Grocery / Supermarket / Dep. stores, Govt& Education / Insurance & Utility
Taxes

DMT SurchargeApi:

Amount Surcharge
Rs. 10 -1000 Rs. 6.00
Rs. 1001-2000 Rs. 8.50
Rs. 2001-3000 Rs. 10.20
Rs. 3001-4000 Rs. 12.20
Rs. 4001 - 5000 Rs. 14.50
 BBPS API
BBPS API provides a secure and convenient way for customers to make bill payments for various
services, including electricity, water, gas, telecom, and DTH services. We have registered our
developers with a BBPS agent institution, which could be a bank, a payment service provider, or a
non-bank organization approved by the RBI. After signing up, the developer incorporates the API
into their program and gives users access to the BBPS system. The BBPS API accepts payments
using a number of methods, including UPI, net banking, credit cards, and debit cards. It also
generates immediate receipts for all transactions and offers real-time payment progress
information. In order to improve user experience and boost customer happiness, Pinwallet
Payments provides its customers with a complete bill payment solution.

BBPS Commission
Billers Category Commission
Electricity Rs. 1.20 /-Flat
Water Rs. 1 /-Flat
Gas Rs. 1 /-Flat
Loan Rs. 2 /-Flat
Loan Repayment Rs. 1 /-Flat
Insurance Till 5000 Rs. 2 /-Flat
Insurance Above 5000 Rs. 5 /-Flat
FASTag 0.10%
Mobile(Postpaid) Rs. 1/-Flat
Broadband Rs. 1 /-Flat

BUS BOOKING API

 Pinwallet offers its consumers a complete and dependable bus booking

solution by utilizing the API.Ability to Book Multiple Seats
 Automatic Booking Confirmation Details via email or mobile phone
 Commission will be (4-7) % per booking
 FLIGHT BOOKING API
 Searching flights (one-way/round trip/multi-city) with detailed pricing
 Frequent flights offers & deals
 Sorting & filter options by airlines
 Allow travelers to select seats
 Print E-tickets option
 Commission will be 5 % per booking

HOTEL BOOKING API

 Ability to Book Multiple Rooms
 Extensive filter & search options
 Extensive Hotel Information- Search Hotel - Destination, hotel name wise
 Offers & promotions
 Automatic Booking Confirmation Details via email or mobile phone
 Commission will be (4-7) % per booking

AADHAR VERIFICATION API

An individual's Aadhar card, a special identity number issued by the Indian
government, can be verified as authentic using the Aadhar Verification API.
Pinwallet provides Aadhar verification API so that you can verify an Aadhar card
easily. An Aadhar card can be verified through an OTP sent by Aadhar center. The
UIDAI Authentication API is important to instantly verify the customer’s Aadhar
card. And we will take Rs. 8/- surcharge on every member verification.
 ACCOUNT VERIFICATION API
Businesses can use an Account Verification API to check the veracity of a customer's
account information, including name, address, and social security number. Now you
can eliminate fraud by verifying any account through Pinwallet Account Verification.
It is a hassle-free process and important for every organization and entity. It is a safe
and secure process.A certain fees of Rs. 3 is chargeable on every verification. Out of
which 1 Rs. is credited to the customer’s account and Rs. 2 is charged for the
service.

ADDRESS PROOF VERIFICATION API

Enterprises use the Address Proof Verification API to check the validity of a client's
residential address. Firms that need to verify the name and address of their clients
or staff members for a variety of reasons, including account opening, loan
applications, background checks, and other procedures, may find this to be helpful.
Traditionally, the API compares the address information provided by the user with
information from reliable sources, such as public records, utility bills, credit bureaus,
or other publicly available sources.

BACKGROUND VERIFICATION API

The process of confirming a person's personal and professional background
information, including their employment history, educational background, criminal
past, and financial history, among other things, is known as background verification.
Developers can include background verification services in their software
applications using the Background Verification API.

BUSINESS PAN VERIFICATION

The Business PAN Verification API normally checks the legitimacy of the business
entity's PAN number against the Income Tax Department database. It gives
comprehensive details about the company, such as its legal name, address, and
registration information. The API typically supports a variety of verification
techniques, including batch, manual, and API-based techniques. Moreover, it
generates immediate verification reports for all requests for verification and
provides real-time verification status updates effectively and accurately, with faster
processing times and better user.

GST VERIFICATION API

GST Verification API is a sophisticated interface that allows businesses and
developers to integrate with the GST system to verify GST registration numbers. The
complex tax system that was previously in place has been replaced with the GST
system in India. The authenticity of a GSTIN submitted by a business can be
confirmed using the GST Verification API. This is helpful for companies that wish to
confirm the GST registration of their suppliers or clients before engaging in business
with them.

BUSINESS VERIFICATION API

Businesses can use the Business Verification API (Application Programming
Interface) tool to confirm the accuracy of information provided by other businesses.
Access to a database of data that contains a company's name, address, tax ID
number, and other pertinent information is possible using this API. Several
enterprises, including financial institutions, insurance providers, and governmental
organizations, use business verification APIs to confirm a company's validity before
doing business with them.

DRIVING LICENCE VERIFICATION API

Developers can incorporate driving license verification services into their products
using a software interface called a driving license verification API. By searching a
database of driving license data, this API can be used to verify a driver's license's
legitimacy and validity. The API normally accepts input data such as a driver's license
number, the issuing body, and the license holder's personal data.
 DOMAIN VERIFICATION API
Companies can check the legitimacy of an email address domain with the assistance
of PinwalletEmail Domain Verification API. This API is used to verify that the email
addresses users enter are correct and come from reliable domains. Typically, the API
accepts an email address as input and verifies the domain against a list of
recognized domains. The domain's MX, SPF, DKIM, and DMARC DNS entries, among
others, can be verified using the API. This can enhance email deliverability, stop the
distribution of fraudulent.

FORENSIC VERIFICATION API

Developers can use a software interface called a forensic verification API to check
the veracity of digital assets including pictures, videos, and audio recordings. You
can use this API to check that digital content hasn't been altered in any way.
Forensic verification APIs are used by law enforcement authorities to authenticate
digital evidence gathered during investigations. To confirm the legitimacy of digital
evidence presented in court, law firms and providers of legal services use forensic
verification APIs.

PAN VERIFICATION API

Verification of PAN is very important for organizations and this is possible through
Pinwallet PAN Verification API. It is a service which validates the PAN information by
providing the name and its activation status. The user just need to enter the PAN
number as input in PAN verification API and the details associated with the
respective PAN number will automatically extracted from NSDL portal. And a certain
fee of Rs. 5/- is chargeable on every verification.
 PASSPORT VERIFICATION API
Any institution/company can check the legitimacy of a passport issued by a
particular nation using an interface called a Passport Verification API. The
information on the passport can be verified using this API to make sure it hasn't
been tampered with and that it is accurate. Travel agencies use Passport
Verification API to make sure that the passports supplied by their clients are
genuine and not fake. Passport Verification API can be utilized in a variety of sectors.

VEHICLE VERIFICATION API

By comparing it to a database kept by the appropriate government agency,
enterprises can use the Vehicle Verification API to validate a vehicle's specifics,
including its registration number, owner's name, and other pertinent information.
Many organizations, including insurance firms, law enforcement officers, and
financial institutions, can verify the identity of a car and its owner using the Vehicle
Verification API. investigations, law enforcement authorities can utilize the API.

VOTER ID VERIFICATION API

By comparing an individual's voter ID card details to a database kept by the Indian
Election Commission, Voter ID Verification API enables organizations to confirm that
person's identification (ECI). It responds by either indicating that the information on
the voter ID card is correct or invalid or by confirming that the information is
accurate. Voter ID Verification API is frequently used for things like Before opening a
bank account, issuing credit cards, or granting loans, financial organizations can
utilize the API to confirm a person's identification.

CIBIL SCORE CHECK API

The Credit Information Bureau (India) Limited maintains credit score information,
which is accessible programmatically through the Pinwallet CIBIL scores check API
(CIBIL). Verification of Cibil Score is very important for organizations and this is
possible through PinwalletCibil verification API. It is a hassle-free process and
important for every organization and entity. It is a safe and secure process. Api hits
on pan card details and checks the financial details of clients, makes his score, and
shows his ability.
A certain fee of Rs. 100/- is chargeable on every verification.

CREDIT CARD BILL PAYMENT API

Users don't need to visit a different payment gateway or log into a different system
to utilize the Credit Card Bill Payment API to make credit card payments from within
an app or website. A Credit Card Bill Payment API is used in many different
industries. By including one in their app or website, businesses can give their
consumers an easy option to make payments right from the platform. A Credit Card
Bill Payment API can enhance user experience and make it simpler for customers to
pay with loyalty by expediting the payment process sensitive payment information,
businesses may be sure that payments are completed securely.
And a certain fee of Rs. 7/ is chargeable on every Payment .

RECHARGE PLANS API

Access to details about the mobile recharge plans provided by various mobile
network carriers is made possible by a Recharge Plans API. With the aid of this API,
companies, and service providers can give customers the most recent details on
recharge plans, such as their validity duration, call costs, data allotments, and other
features. Telecom service providers can use the Recharge Plans API to educate their
clients about the recharge plans given by their own network as well as those
supplied by other networks.

DIGITAL CONTRACTING SDK

A Digital Contracting SDK (Software Development Kit) is a set of tools and resources
that allow developers to create, integrate and manage digital contracts into their
software applications. The SDK typically includes pre-built code components, APIs,
libraries, and documentation, making it easier and faster for developers to create
and manage digital contracts within their applications.
 DIGITAL SIGNING API
A Digital Signing API is a software interface that enables developers to integrate
digital signing functionality into their applications or services. Digital signing involves
using a digital certificate to authenticate the identity of the signer and ensure the
integrity of the signed document or data. Digital Signing API typically provides a set
of methods or functions that developers can use to:
1. Create a digital signature using a private key and a digital certificate.
2. Verify the authenticity and integrity of a digital signature using a public key
and a digital certificate.
3. Retrieve the digital certificate of a signer.
4. Generate and manage digital certificates.

DIGITAL STAMP API

A Digital Stamp API (Application Programming Interface) is a software interface that
integrates digital stamp services into applications or websites. Digital stamps are
electronic versions of traditional postage stamps that can be used for various
purposes, such as authentication, authorization, and tracking. The Digital Stamp API
allows developers to easily create and manage digital stamps by providing a set of
tools and protocols that can be used to interact with digital stamp services.

UPI COLLECTION API

A payment mechanism called UPI Collection enables companies and organizations
to collect money from clients in India via UPI. The National Payments Corporation of
India (NPCI) created a real-time payment system that allows for immediate financial
transfers between bank accounts using a mobile application. Businesses can create
UPI payment links and QR codes using the UPI Collection API, and then distribute
them to clients via email, SMS, or social media. Customers no longer need to
provide their bank information during the payment process, which lowers the
possibility of mistakes and speeds up transactions.
 UPI MONEY TRANSFER API
In India, bank-to-bank transfers are made possible using a software interface called
UPI Money Transfer API. It enables consumers to immediately transfer money
between bank accounts by utilizing a smartphone app. It offers users a quick, safe,
and practical way to move money between bank accounts. Customers can use their
mobile phones to transact at any time. website. Banks can utilize the UPI Money
Transfer API to deliver UPI payments to their customers through their mobile
banking applications. The UPI Money Transfer API can be used in a range of
sectors.

WALLET TOPUP API

Businesses can use this API to swiftly and securely enable consumers to add money
to their digital wallets from within their software or website. Businesses can simply
add wallet top-up capabilities to their platforms by integrating the Wallet Topup API
into any mobile application or website. To guarantee that transactions are secure
and genuine, this API makes use of secure payment gateways and encryption
methods.

VACCINE STATUS API

An application programming interface called a vaccine status API offers details
about a person's vaccination history. These details may include a person's
API
vaccination status, the type of immunization received, and the date of vaccination.
A person's vaccination status can be checked using the Vaccination Status API by a
variety of businesses and organizations. Healthcare is the most important sector
that makes use of this API.

e-NACH API
The eNACH platform developed and maintained by NPCI is the foundation for the e-
NACH (electronic National Automated Clearing House) procedure. It can assist
organizations like banks, NBFCs, telecom providers, insurance firms, and other
corporate entities in ensuring the ongoing collection of money owed to their clients
who choose the direct debit method of payment. The main goal of e-NACH is to
assist businesses in shortening the follow-up period for recurring transactions, etc.
With e-NACH API, recurring payments are posted as being automatically deducted
from clients' accounts after a single mandate authorization.

DIGILOCKER KYC API

Using the Digilocker platform in India, Know Your Customer (KYC) checks can be
carried out by companies and organizations thanks to the Digilocker KYC API, an
application programming interface (API). The Indian government built a technology
called Digilocker that enables people to safely store and exchange their digital
papers online. Several sectors, including banking, finance, insurance,
telecommunications, e-commerce, and government services, can make use of the
Digilocker KYC API. Companies can use the Digilocker KYC API to confirm the identity
of their clients throughout the onboarding process.

MULTI RECHARGE API

As per our recent telephonic conversation, this document contains all the discussions we held
along with a brief list of features of the API Panel. We are providing Recharge API Portal with XML
response. Our API User panel has all the required features and reporting. We are providing the
following API URLs to meet your requirement.

 Recharge URL - To make any recharge

 Balance Check URL - To check your recharge API balance

 Recharge Status Check URL - To check the status of any recharge

Call Back API URL - To update the status of any pending recharge.

PREPAID RECHARGES COMMISSION

Operator Name Service Type Commission Description

Airtel PREPAID 2.00 Commission in %
BSNL PREPAID 4.50 Commission in %
Vi PREPAID 3.50 Commission in %
Reliance jio PREPAID 1.5 Commission in %
 DTH RECHARGE

Operator Name Service Type Commission Description

Airtel Digital TV DTH 3.30 Commission in %
Dish TV DTH 4.00 Commission in %
Reliance Digital DTH 3.50 Commission in %
TV
SUN Direct DTH 4.00 Commission in %
Tata Sky DTH 3.30 Commission in %
Videocon d2h DTH 4.00 Commission in %

**TERMS & CONDITIONS**

 Annual Charges (applicable from next year onwards):

 Annual Support AMC charges: Rs.3000/-
 Total Payment of APIaccepts in one installment.
 GST of 18% would add to it.

Current Account Bank Detail: Office Address:

Pinwallet Payments Pvt. Ltd PINWALLET PAYMENTS
Ac No. 103763400002982 Plot no. 2, Shiv Vihar-A, New
IFSC:-YESB0001037 Sanganer Rd, Manyawas,
Jaipur, Rajasthan 302020