Your shop already has the trust.
We bring the bank.
eMoney is a fintech distribution platform from Gurugram. We give kirana and retail shops the rails of a bank branch: cash withdrawal, money transfer, bills, recharges, payments and travel, all from one counter.
Founders’ note · day one
“If a shopkeeper can’t finish a transaction in thirty seconds, on a weak signal, in their own language, we have failed.”
The bank is 15 km away. Your dukaan is 50 metres away.
For 400 million Indians, the nearest branch means a bus ride, a lost half-day and a queue. The shop at the corner is open 14 hours a day and already knows every customer by name.
We built eMoney so that shop can do what the branch does: hand over cash on a fingerprint, send money home, pay a bill, book a ticket. You earn a commission on each one.
No joining fee. No hidden charges. Settlement in your bank the same day. That is the whole pitch.
Small shops. Serious volume.
Updated every quarter, audited every year.
72K+
Bharat shops live
1,400+
Billers at your tap
60+
Ways to earn
₹240 Cr+
Processed monthly
One year. Four turning points.
From a notebook full of shop visits to a network across 28 states.
Jan 2026
The idea
Two hundred shop visits across NCR. Same answer everywhere: the nearest bank is far, the customer is right here.
01Mar 2026
First 1,000 shops
AePS and money transfer go live for pilot retailers in Delhi NCR, Jaipur and Chandigarh.
02Jun 2026
NPCI rails live
UPI, BBPS and AePS certified directly on NPCI. Bills and recharges join the counter.
03Oct 2026
72K shops
Payment gateway, POS and QR roll out. The distributor programme opens across 28 states.
04Four rules we don't bend.
Retailer first
Every screen is designed on a real shop counter, for one person, with a queue waiting.
Every rupee visible
You see the fee and your commission before you press confirm. No PDFs, no surprises.
Fast beats fancy
Thirty seconds per transaction is the bar. If a feature slows you down, it does not ship.
Built for weak networks
Works on a 2G signal during a power cut. Offline queueing and smart retries are standard.