Customer buys and pays by UPI
A customer purchases goods or services from a participating shop and pays through UPI.
Digital money in. Physical cash out.
CashNPay is a proposed cash-exchange network for Indian merchants. When your shop receives UPI payments from customers but needs physical cash for operations, we aim to bridge that gap for an agreed, transparent fee. We are validating the model with authorized providers before launch.
- Genuine sales onlyBuilt on real customer purchases
- Transparent feesAgreed and shown upfront
- Verified transactionsReconciled records
- Provider-approvedOnly under a permitted model
How the cash exchange works
Merchant receives the funds
The shopkeeper receives the genuine sale payment in the approved merchant payment arrangement.
Merchant requests cash
The merchant asks to exchange eligible digital funds for physical cash through CashNPay's approved service.
Cash supplied, fee recorded
Cash is paid, the transaction is reconciled and the agreed fee is recorded under the authorized operating model.
Important: the customer's UPI payment must represent a genuine purchase. CashNPay serves the merchant after that sale. It is not for payments where no purchase took place.
| Eligible digital funds | ₹10,000 |
|---|---|
| Agreed fee (example: 1%) | ₹100 |
| Cash supplied | ₹9,900 |
Actual fees and how they are applied depend on your agreement and the approved operating model.
Built for businesses that run on UPI
Shops that receive frequent digital payments often still need cash for day-to-day costs. These are the segments we plan to serve first, subject to verification.
Furniture stores
Day-to-day operating expenses.
Garment and footwear shops
Cash-based supplier and business payments.
Mobile and electronics stores
Managing cash requirements.
Wholesalers and distributors
Cash-flow management.
General stores and market retailers
Routine operating liquidity.
Other eligible merchants
Cash needs supported by the approved service.
Your Business. New Opportunities.
If your shop receives frequent UPI payments and has a legitimate need for physical cash, register your interest. Eligibility, limits and fees depend on the approved arrangement and your agreement.
- Understand eligibility and operating requirements.
- See the fee structure in writing before you start.
- Be considered for a pilot in your market.
- Get partner support and clear transaction records.
- Use a merchant dashboard, if the provider supports it.
Registering interest does not guarantee approval, pilot access or earnings.
Register Your Interest
Demo form: until a secure backend is configured, nothing is sent from this page.
Where CashNPay is today
We are building in stages, and each stage depends on the one before it.
Current focus Validate the model
Confirm the legal structure, speak with banks and authorized providers, and test real merchant demand.
Build a pilot network
Start with a few eligible businesses in one market and test the process, cash availability and reconciliation.
Expand locally
Add merchants once the pilot shows sustainable economics, reliable controls and repeat demand.
Build a wider network
Move into more cities only when provider capacity, compliance, cash logistics and profitability support it.
Connecting Communities Through Convenient Cash Access.
CashNPay aims to link participating businesses across local markets in India. This illustration is conceptual and shows no real locations.
Safety, compliance and transparency
No service can be called fraud-proof. These are the controls the model is designed around.
- Only genuine sale payments qualify.
- Fees are agreed and shown before each transaction.
- Transaction status and merchant eligibility are verified.
- Limits, reversals and disputed payments are handled under the agreement.
- Digital funds, cash supplied and fees are reconciled.
- Operation only under an arrangement the relevant bank or provider and regulations permit.
- Complaints and fraud reports go to support. Never share your UPI PIN or OTP.
Frequently asked questions
CashNPay is a proposed merchant cash-exchange network. It aims to help eligible businesses get physical cash against digital funds received through genuine UPI sales, for a transparent, agreed fee.
A customer buys from a participating shop and pays by UPI. The shop receives the funds, requests cash through the approved service, receives the cash, and the agreed fee is recorded and reconciled.
We are looking at furniture stores, garment and footwear shops, mobile and electronics stores, wholesalers, general stores and other merchants with a legitimate need for cash. Eligibility is subject to verification.
Not yet. CashNPay is validating its model with banks and authorized providers. Live transactions will only start under an arrangement they and the regulations permit.
Fill in the form in the Merchant Partners section to register your interest. On this page the form runs in demo mode until the site owner connects a secure backend, so nothing is sent and no application is received.
The intended model is an agreed service fee or commission, shown to you before each transaction. The example on this page (a 1% fee on ₹10,000) is only an illustration, not a quoted rate.
Keep the payment reference and contact support. Reversals and disputed payments are meant to be handled under the agreement. Never share your UPI PIN or OTP with anyone.
No. Registration depends on verification, provider eligibility and the agreement. Registering interest does not guarantee approval, pilot access or any earnings.
Let's Make Cash Access More Convenient.
Register your shop's interest or see how the proposed CashNPay network is designed to work.