UP17 Communication Pvt Ltd
Fintech Software

Multi Recharge Portal

A single white-label portal combining mobile recharge, DTH, BBPS bill payments, flight & bus bookings, AePS, DMT and more — the complete fintech solution for your retailer network.

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What is Multi Recharge Portal?

A Multi Recharge Portal is an all-in-one digital service delivery platform that bundles mobile recharge, DTH top-up, utility bill payments (BBPS), domestic money transfer (DMT), Aadhaar-based banking (AePS), travel bookings (flights, buses, trains), insurance, and more — into a single white-label portal accessible to your entire retailer network through one login.

UP17 Communication's Multi Recharge Portal is designed for entrepreneurs, distributors and aggregators who want to build a comprehensive digital services business that serves every financial and travel need of their customer base from one platform. Instead of offering just recharges (which have thin margins) or just travel (which is seasonal), a multi-service portal maximises revenue per retailer and per customer by covering the full spectrum of daily digital services.

The portal operates on a multi-tier model: the master admin (you) sits at the top, connecting to multiple API providers for each service. Below you are distributors, who manage their own retailer networks. Each retailer has a single login, a single wallet, and access to all services — meaning their customers can get a mobile recharge, pay their electricity bill, book a bus ticket, and send money to a relative all in the same shop visit.

The biggest advantage of a multi-service portal is customer stickiness: once a customer or retailer is habituated to using your platform for multiple services, they have no reason to go elsewhere. You become embedded in their daily financial life — and every new service you add creates another touchpoint and another revenue stream without any additional customer acquisition cost.

Key Features

Everything you need to run a successful Multi Recharge Portal business.

Mobile & DTH Recharge
Full multi-operator prepaid/postpaid recharge for Jio, Airtel, Vi, BSNL and all DTH providers. Operator plan lookup, plan comparison, and instant recharge with commission crediting. Supports STVs, data add-ons, international roaming packs and validity plans.
BBPS Utility Bill Payments
Electricity, water, gas, insurance, loan EMI, school fees and 200+ biller categories via NPCI's BBPS network. Real-time bill fetch, instant payment, GST receipt generation and automatic retailer commission crediting. Covers billers across all Indian states.
Flight Booking
Domestic and international flight search and booking via TBO or Amadeus API. Agents can book flights, issue e-tickets, process cancellations and manage refunds from the same portal. Markup policy per agent and per sector.
Bus & Train Booking
RedBus API integration for intercity bus booking with seat selection. IRCTC API (via authorised TSP) for railway ticket booking, PNR status and cancellation. One portal for all surface travel needs.
AePS Banking Services
Aadhaar-based cash withdrawal, balance enquiry and fund transfer for customers without debit cards. Biometric scanner integration (Mantra/Morpho). Direct benefit transfer disbursement point for MNREGA, PM-KISAN and pension payments.
DMT Money Transfer
Instant domestic money transfer to any bank account via IMPS. Sender KYC via OTP/Aadhaar. ₹25,000 monthly limit per sender (non-KYC). Commission per transaction. Full transaction trail and SMS confirmation to both sender and recipient.
Multi-Tier Distribution Management
Full hierarchy: Super Admin → Master Distributor → Distributor → Retailer → Sub-Retailer. Each tier has their own dashboard, wallet, commission structure and sub-tier management. Markup and commission policies configurable independently for each tier and service.
Unified Wallet Across All Services
One wallet for the retailer — not separate wallets per service. A single balance top-up enables the retailer to process recharges, bill payments, travel bookings, AePS and DMT. Retailer never has to manage multiple wallets or separate accounts for different services.
Two-Factor & MPIN Security
Retailer logins are protected by username/password + OTP. Critical operations (AePS, DMT, high-value recharges) require MPIN (6-digit Mobile PIN) confirmation. Session timeout, IP whitelist, and device binding options for enhanced security.
Comprehensive Reporting Suite
Service-wise, retailer-wise, zone-wise and daily/monthly revenue reports. Transaction success/failure analysis with API error categorisation. Commission payout reports for GST TDS compliance. Business intelligence dashboard with trend analysis.

Why Choose Multi Recharge Portal by UP17?

We build enterprise-grade software tailored for the Indian market.

Maximum Revenue Per Retailer
A retailer generating ₹5,000/month from recharge alone can generate ₹15,000–₹25,000/month when BBPS, DMT, AePS and travel bookings are added. More services = more customer visits = more commission income. The incremental cost per new service for the retailer is zero.
One Platform, One API Partner Relationship
Instead of managing 5–6 separate API providers for each service, you have one multi-service API aggregator relationship. One agreement, one settlement, one support team. Simplifies operations significantly as you scale.
Retailer Lock-In Through Habit
Once a retailer has trained their customers to come to them for recharges, bill payments, money transfers and travel bookings, switching to a competitor platform means losing all those customer relationships. The multi-service model creates powerful retention.
Attract a Broader Retailer Base
A multi-service portal appeals to kirana stores, telecom shops, cybercafés, CSC centres, courier agencies and banking correspondents — not just dedicated recharge shops. Your addressable market for retailer onboarding multiplies significantly.
Scalable to National Level
The platform architecture supports unlimited retailers across all Indian states. Distributors can onboard and manage retailers in their own geography. The master admin retains full visibility and control. Adding new services only requires a new API integration — no platform rebuild.

Who Should Use This?

Telecom Distributors & Franchisors Multi-Service Fintech Startups CSC VLE Networks Banking Correspondent Aggregators Regional Distributor Networks Travel + Fintech Combo Businesses

Technical Specifications

Technology Stack PHP 8+, MySQL 8, Redis
Services Included Recharge, DTH, BBPS, Flight, Bus, AePS, DMT
API Integrations Multiple providers per service category
Mobile Support Responsive Web + Android App (optional)
Hosting Requirement VPS / Dedicated Server (min 4GB RAM)
Delivery Timeline 15–25 Working Days
Source Code Included (full ownership)
Support 1 Year Free + Extended AMC Available

Frequently Asked Questions

Got questions? We've answered the most common ones below.

The standard Multi Recharge Portal includes: mobile recharge, DTH top-up, BBPS bill payments, flight booking (TBO API), bus booking (RedBus API), and DMT. AePS requires a separate BC agreement with a BC API provider and is available as an add-on. Additional services like insurance, PAN card, or passport assistance can be added modularly.
Some API aggregators (such as EROUTE, Cyrus, or Paynearby) offer a bundled API covering recharge, BBPS, AePS and DMT under one agreement. For travel (flights, buses), a separate API agreement with TBO/RedBus is needed. We advise you on the optimal API stack for your use case during the project kick-off.
Yes. The platform is modular — you can launch with recharge and BBPS, then activate flights, DMT and AePS later without rebuilding the portal. Each service module is switchable from the admin settings panel.
For reliability, the platform supports primary + fallback API configuration per service. If the primary recharge API is down, requests automatically route to the secondary. This ensures near-zero downtime for retailers even when one provider has issues.
The software cost varies based on the number of services and customisation. API provider deposits, hosting costs and GST registration are additional. A typical setup costs ₹50,000–₹1,50,000 all-inclusive for software + setup. Ongoing costs are the API provider's charges (no per-booking fee to UP17). Contact us for a detailed quote.
Yes. A branded Android app (React Native or native) that mirrors the web portal is available as an add-on. Retailers and customers can use the app on their smartphones. Admin panel is web-only. The app connects to the same backend.

Ready to launch your Multi Recharge Portal?

Talk to our team today — we'll set up a live demo and answer all your questions.

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