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Payment Products

Digital Financial Inclusion Solutions

Promoting financial services deepening


Redtech eFinclusiv, an integrated payments suite, is designed to address the two-sided nature of payments.  eFinclusiv brings consumers, merchants and suppliers of financial services, onto a single platform, generating network effects and fueling transaction growth.  eFinclusiv supports account opening, cash deposits, withdrawals, money transfers, and payments.

The system supports card-based and cardless transactions using the customer’s biometric throughout the process. For merchants, eFinclusiv offers a Unified merchant app enabling biometric-based payment acceptance using their mobile device. Besides,  eFinclusiv offers electronic Know Your Customer, eSign for cost-efficient and secure services delivery.

Financial Inclusion Key Solution Components

Redtech eFinclusiv, eliminates the need for upfront technology investments, thereby, transforming the economics and the ability to innovate for underserved segments.

Redtech eFinclusiv’ modular architecture offers digital financial service providers the flexibility to deploy all or select service components. Hosted on a private cloud, eFinclusiv enables services consumption on a pay-per-use model.

The solution components include:


Redtech eFinclusiv exposes APIs enabling digital service providers profitably collaborate with third-party service providers.

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e-KYC helps service providers fulfill their Know Your Customer requirements and reduces costs & time.

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Payment Services

A doorstep agent banking solution leveraging digital technology to expand beyond traditional branches.

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Digilocker Gateway

Allows customers to save & fetch personal documents from a cloud-based repository for eSigning, Account & Loan Opening.

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Why Redtech Turnkey managed services

Redtech offers a turnkey managed service offering, making it a preferred service provider

eFinclusiv software-as-a-service

Redtech eFinclusiv offers digital financial service providers the flexibility to select components in line with business needs.

eFinclusiv marketplace

Redtech eFinclusiv marketplace brings together terminal vendors, corporate business correspondents, and technology partners for added value services.

eFinclusiv business support services

Redtech eFinclusiv manages the complete lifecycle of the merchant as well as reconciles and settles transactions.

Open APIs Build Pathways to Scale

Redtech eFinclusiv Open API Services Hub expose APIs to a host of partners to develop innovative financial services including micro-loans, micro-pensions, security and micro-insurance.

Cashless layer – transaction APIs

  • Cash Deposit
  • Cash Withdrawal
  • Fund Transfer
  • Reversals

Account related APIs

  • Balance Enquiry
  • Beneficiary Account Validation
  • Cash Deposit Advise
  • Green PIN / Change PIN

Paperless Layer – Onboarding APIs

  • eKYC and eSign
  • Save/Fetch to Digilocker
  • Seeding

Customizable Implementation Models

Redtech eFinclusiv provides an option to offload transactions from the Switch, saving costs of opening and maintaining entry level, no-frills accounts.

For card-based transactions, eFinclusiv interfaces with the bank’s CMS host to authorize PIN transactions.

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