Fintech App Development Company in India — Jaipur Studio
We sell BBPS, AEPS, DMT and XDMT software you can white-label: retailer app, distributor panel, and admin — plus UPI and KYC. You bring bank/NPCI live access; we build the product.
BBPS, AEPS and DMT software: the short answer
TheTriFusion builds white-label BBPS, AEPS, DMT, XDMT, recharge and UPI software from a Jaipur, Rajasthan studio for operators across India: retailer app, distributor panel and admin. You bring the bank, BBPOU or API partner; we build the software. Published plans start from ₹99,999. We do not issue NPCI or RBI licences. See NPCI and RBI.
- Starting price
- From ₹99,999 (published Basic plan)
- You bring
- Bank / BBPOU / API partner
- We build
- Retailer app, distributor panel, admin
- Office
- 5th Floor, Amoro Building, Patrakar Colony, Jaipur, Rajasthan 302020 · +91 63781 33780 · Mon–Sat 10 AM–7 PM IST
CEO, TheTriFusion
Amardeep is CEO of Trifusion Infotech Private Limited (TheTriFusion), a software development company in Jaipur, Rajasthan. The studio has operated since 2023 with a team of about ten developers and consultants. This fintech app development page is reviewed by Amardeep.
Our clients
Live products from the Jaipur studio
Named live sites and products we can show publicly — open any mark to verify the URL. Concept demos stay on the portfolio page and are not listed here as clients.
BBPS, AEPS, DMT, and recharge software
Four white-label retailer panels under this hub. You bring the network or bank access; we build the software from Jaipur.
BBPS, AEPS, DMT, XDMT & banking apps from Jaipur
TheTriFusion sells custom fintech software from Jaipur: BBPS bill-pay, AEPS Aadhaar banking, DMT, XDMT, UPI, KYC, and retailer–distributor panels. We build the product you operate — white-label or custom — on iOS, Android, and web.
Core Technologies & Tools
BBPS, AEPS, DMT and recharge for India (Jaipur studio)
This apex /services URL is the national fintech capability hub (from ₹99,999): retailer app, distributor panel, admin. You bring the bank or API partner; we do not issue NPCI/RBI licences. Prefer the apex host https://thetrifusion.in — www is redirected. Child modules: BBPS, AEPS, DMT, recharge. Local flavour only: Jaipur.
Who this fintech page is for
Use this hub when you need a white-label retailer stack (app + distributor + admin) and already have — or are arranging — a bank, BBPOU or aggregator contract. Pick a child URL when the brief is only one rail: BBPS, AEPS, DMT, or recharge.
This page is not a licence bureau, not a competitor-brand comparison, and not a claim that we hold NPCI membership for you. If the product is a sales CRM or compensation tree, start on custom CRM or MLM software instead.
Modules: BBPS, AEPS, DMT/XDMT, recharge, PAN, UPI, CMS
BBPS (Bharat BillPay) and AePS are NPCI products. DMT/XDMT and recharge sits on the partner you contract. UPI is also NPCI. We implement the panels; we do not onboard you to NPCI. Dedicated pages: BBPS software, AEPS software, DMT software, recharge software.
What each module is
| Module | What it does | Who must already exist |
|---|---|---|
| BBPS | Bill payments through Bharat BillPay | BBPOU / NPCI access |
| AEPS | Aadhaar-enabled payments at a retailer | Sponsor bank / NPCI AEPS |
| DMT / XDMT | Domestic money transfer for the retailer network | Bank or aggregator contract |
| Recharge / UPI / PAN | As scoped on the same retailer stack | The relevant API partner |
White-label vs own-portal vs API-only
White-label: your brand on the retailer app and admin we build. Own-portal: the same software on infrastructure you name. API-only: you already have UI. We recommend one after seeing who holds the NPCI relationship.
Engagement shape
| White-label software | Your portal on your servers | API-only | |
|---|---|---|---|
| Best for | Operators who need app + admin + brand | Teams with their own DevOps | You already have a UI |
| You still need | Bank / BBPOU / aggregator | Same, plus hosting | Same |
Retailer → distributor → master distributor → admin
The software models that hierarchy: retailer app, distributor panel, master distributor, admin. Roles, wallets and reports are scoped. We do not invent a “micro ATM in 4 steps” claim.
Pricing
Published plans on pricing and this service: ₹99,999 / ₹1,99,999 / ₹3,99,999.
Published fintech plans
| Plan | Starting price | Typical use |
|---|---|---|
| Basic | ₹99,999 | Retailer app + admin starting slice |
| Standard | ₹1,99,999 | Distributor layer and more modules |
| Premium | ₹3,99,999 | Broader white-label stack |
Go-live steps and what the operator must arrange
Who leads the work
Named people on the team page: Anjali and Ajay, back-end developers; Ashutosh and Karan, mobile developers; Manvender, Project Manager. Aggregator names are not in this repo.
Technologies & Frameworks We Use
Mobile & Web Frontend
React Native, Flutter, Swift, Kotlin, and React.js enterprise admin dashboards.
Retailer APIs & partner rails
BBPS, AEPS, DMT, and XDMT integrations against your bank, BBPOU, or NPCI sandbox — plus UPI and KYC vendors when those modules are in scope.
Bank-Grade Security Architecture
End-to-end TLS encryption, data-at-rest encryption (AES-256), HSM integration, PCI-DSS compliance, and OWASP Top 10 hardening.
What You Receive With Every Fintech App Development Project
How we deliver retailer banking software
- 01
Discovery & scope
We lock users, must-have flows, integrations, and a written definition of done before build starts.
- 02
UX and architecture
Flows, roles, and data model first — so iOS, Android, and web share one product, not three guesses.
- 03
Build in visible slices
Weekly demos from Jaipur. You review working software, not slide decks.
- 04
QA, launch, support
Store listings or hosting, analytics, and a support window after go-live.
Why Choose TheTriFusion For Fintech App Development
100% In-House Jaipur Engineering
No anonymous subcontractors or black-box freelancers. Direct Slack/WhatsApp access to the developers writing your code.
100% IP & Source Code Ownership
Full repository handover, clear documentation, and database schemas with zero vendor lock-in from day one.
Weekly Working Demos
We ship visible milestone builds every Friday. You test functioning software on staging, not slide decks.
30-Day Free Post-Launch Warranty
Every deployment includes a 30-day bug-fix guarantee, monitoring, and go-live assistance for store & server setups.
Transparent Estimates & Scoping
BBPS / AEPS / DMT software — retailer app + admin from ₹99,999
Phased weekly sprints with continuous staging access. Focused MVPs launch in 6–8 weeks; complex workflows in 10–12 weeks.
Share your requirements, mockups, or workflow notes. We return a written scope of work within 24 hours.
Case Study & Proven Results
How we scope fintech (no fake live bank)
We sell software — not a banking licence. Delivery is scoped around your BBPOU/bank/AEPS partner, KYC vendor, and settlement rules. Read the India compliance and cost notes.
Frequently Asked Questions About Fintech, BBPS, AEPS, DMT and XDMT Software Development
What is BBPS, AEPS and DMT software?
Software for retailers and distributors to offer bill pay (BBPS), Aadhaar-enabled payments (AePS) and domestic money transfer (DMT). BBPS and AePS are NPCI products (https://www.npci.org.in/). The operator needs the right partner; we build the panels.
How much does white-label AEPS/BBPS software cost?
TheTriFusion published plans start at ₹99,999, ₹1,99,999 and ₹3,99,999. Bank or aggregator fees are separate.
Do you provide the API or only software?
Only software, unless a specific integration is named in the contract. You bring the bank, BBPOU or aggregator API.
How do I start a fintech/recharge business in India?
That is a licensing and partnership question, not a website slogan. Read RBI (https://www.rbi.org.in/) and NPCI (https://www.npci.org.in/), then talk to a bank or aggregator. We build after those contracts exist.
Which AEPS biometric devices are supported?
Devices your AEPS partner already certifies. We integrate what that partner lists; we do not invent a device roster.
How long to go live?
Software can be weeks after a locked brief. NPCI or bank onboarding is on their clock, not ours.
Is a licence required to run DMT/AEPS?
Operators need the relationships RBI and NPCI require. We are not a licence bureau. Read the circulars on rbi.org.in and npci.org.in.
Should I open this hub or a BBPS/AEPS/DMT child page?
Open this hub for the full retailer → distributor → admin stack or when several rails share one product. Open a child page when the first release is only BBPS, only AePS, only DMT, or only recharge — those URLs stay the deep write-ups so this hub does not cannibalize them.
Do you publish named bank or aggregator partners?
Not on this page. Partner names are not stored in this repo until an operator allows them to be listed. Bring your contract; we integrate against that partner’s docs.
Do you sell BBPS, AEPS, DMT and XDMT software?
Yes. TheTriFusion builds and sells BBPS, AEPS, DMT, and XDMT software as a retailer–distributor–admin product (white-label or custom). You operate it with your own bank, BBPOU, or AEPS partner credentials — we are the software vendor, not the payment network.
Are you an NBFC, bank, or BBPS operator?
No. We are a Jaipur software company. We do not issue banking licences, NPCI membership, or BBPS/AEPS live access. Those stay with you or your sponsor bank. We build the apps, APIs, ledgers, and panels.
What is included in the retailer banking software?
Typically a retailer Android app (iOS/web on request), distributor panel, super-admin, commission slabs, KYC holds, receipts, and day-end settlement. Modules can be BBPS, AEPS, DMT, XDMT, UPI, recharge, or a bundle.
What is the typical timeline and cost for this software?
A retailer BBPS/AEPS/DMT software package with admin and Android starts at ₹99,999. Timeline is typically 8–12 weeks after your API sandbox access is available. Multi-module white-label platforms can be phased.
Related services and guides
BBPS software
Bharat BillPay retailer and distributor panels.
AEPS software
Aadhaar-enabled payments on certified devices.
DMT software
Domestic money transfer for retailer networks.
Recharge software
Mobile and DTH top-ups on your partner API.
Custom software development
When fintech sits inside a broader product.
MLM CRM development
When wallet payouts sit next to a compensation tree.
Android app development
Retailer apps that ship on Play Store.
Mobile app development
iOS + Android when both stores matter.
Fintech app development in Jaipur
Local studio flavour — same product family, not a second national canonical.
Related services
Need BBPS, AEPS, DMT or XDMT software?
Share whether you need white-label retailer apps or a custom stack, and which live APIs you already have (BBPS, AEPS, DMT, bank). The Jaipur team returns a scoped estimate.