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EnKash Wallet Service

About EnKash Wallet#

EnKash, an RBI-authorized non-banking Prepaid Payment Instrument (PPI) issuer, offers a secure, scalable wallet service through its partner ecosystem. This service enables businesses, fintechs, and developers to embed semi-closed PPI wallets into their platforms, delivering seamless digital payment experiences for end-users.
The EnKash Wallet Service complies with the RBI Master Directions on PPIs (2021) and supports:
Wallet creation (small & full-KYC)
Loading & reloading via multiple channels
UPI integration for P2P/P2M payments
IMPS-based bank transfers

Key Features#

Wallet Creation
Purpose
Create digital wallets for end-users to store and use funds.
Types
Small PPI Wallet
Limit: ₹10,000 monthly balance
Minimum KYC (OTP-based mobile verification)
Ideal for low-value transactions
Full-KYC PPI Wallet
Limit: ₹2,00,000 monthly balance
Full KYC via Aadhaar, PAN, video/selfie
Supports UPI, IMPS, and higher limits
Process
Users register via partner platform (using mobile number).
Complete minimum or full KYC as required.
Receive unique wallet ID linked to mobile number & partner platform.
Validity
Minimum one year from last load/reload.
Post-expiry: 10% monthly balance reduction until fully depleted.
Wallet Loading & Reloading
Supported Methods
Bank Transfers (NEFT/RTGS/IMPS)
Debit/Credit Cards
UPI (full-KYC wallets only)
Cash (small PPI wallets at authorized outlets, as per RBI norms)
Limits
Small PPI: ₹10,000 monthly
Full-KYC PPI: ₹2,00,000 monthly
Security
PCI DSS-compliant payment gateways & end-to-end encryption.
Process
User initiates load/reload via app or web.
Funds credited instantly post successful payment verification.
UPI Support
Supported Methods
Available for: Full-KYC wallets only.
Capabilities
Generate unique VPA (e.g. user@enkash) for each wallet.
Make/receive payments via UPI apps (Google Pay, PhonePe, Paytm etc.).
QR code-based merchant payments.
Limits
Standard: ₹1,00,000 per transaction.
Enhanced: ₹2,00,000 for specific segments (collections, insurance) per NPCI rules.
Interoperability
Fully compliant with RBI’s PPI interoperability mandates, allowing payments across all UPI platforms
IMPS Bank Transfers
Purpose
Enable instant transfers from full-KYC wallets to bank accounts.
Features
Available 24x7, including holidays.
Transfer using account + IFSC or IMPS-registered mobile number.
Real-time credit to beneficiary account.
Limits
Governed by full-KYC wallet cap (₹2,00,000/month) and bank-specific IMPS rules.
Security
UPI PIN or equivalent 2FA, with encrypted processing.
Additional Features
Transaction Tracking
Real-time transaction history and balances via partner dashboard or APIs.
Merchant Payments
Pay at EnKash-contracted merchants for goods/services or bill payments.
Corporate Solutions
Employee expense management
Vendor payments
Rewards & incentives programs
Security & Compliance
PCI DSS compliance, tokenization, real-time fraud detection
Instant wallet freeze/block via API or support

Partner Benefits#

Superior User Experience:
Seamlessly integrate digital wallets with UPI & IMPS
Revenue Opportunities:
Earn on transactions
Scalable & Customizable:
From startups to large enterprises
Compliance Simplified:
EnKash handles end-to-end RBI compliance
Enable Financial Inclusion:
Reach unbanked & underbanked users via small PPI wallets

Integration Options#

OptionUse Case
API IntegrationFull custom control for websites & apps.
SDKsQuick mobile integrations (Android, iOS, Node.js, Python, Java).
Payment GatewayEasy wallet loads or merchant collections, minimal code.
QR CodesFast setup for UPI payments in-store or online.
Modified at 2025-07-08 17:48:29
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