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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
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
Note:
As a semi-closed PPI, cash withdrawals are not permitted, per RBI regulations.

Partner Benefits#

Superior User Experience:
Seamlessly integrate digital wallets with UPI & IMPS.
Revenue Opportunities:
Earn on transactions and loading fees (where applicable).
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 Guide#

Prerequisites
Business:
Live website/app with Contact Us, Privacy Policy, Refund Policy, Terms & Conditions.
Valid PAN, address & business proof.
Not involved in RBI-restricted products/services.
Technical:
REST API integration capability
HTTPS for secure transmission
JSON payload support, OAuth authentication

Integration Options#

OptionUse Case
API IntegrationFull custom control for websites & apps.
SDKsQuick mobile integrations (Android, iOS, Node.js, Python, Java).
Payment LinksEasy wallet loads or merchant collections, minimal code.
QR CodesFast setup for UPI payments in-store or online.
Modified at 2025-07-08 17:29:01
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