Spice Money

Spice Money, a business unit of Spice Digital, uses unrivalled technology to enable next door kirana store to function as a 'MINI BANK' Branch. We are one of India’s largest tech-enabled Hyper Local Payments Network offering various services like Cash Deposit, Cash Withdrawal, Balance Inquiry, Bill Payments, Aadhaar Enabled Services, Air Time Recharge, POS Services, Railway Ticketing Services etc. through our authorized agents.

Our endeavour is to bridge the gap between the served and the un-served, providing banking services to customers at their doorstep. We are a one-stop solution for providing seamless financial services.

Our Focus is primarily on Financial Inclusion – with our Deep presence in “Bharat” with nearly 85% of the 70,000 Customer Service Points in semi-urban and rural India.

Products & Services

at Spice Money

Direct Money Transfer

Providing digital payment solutions

Spice Money Wallet (issued by Spice Digital Ltd.), is a RBI approved Semi-closed PPI wallet linked to Sender’s Mobile Number. A robust and convenient tool for financial inclusion, Spice Money is predominantly used for Domestic Money Remittance, Cash deposit to Bank Accounts through agent assisted model. Additionally, we have tied up with 2 Banks to become its Business Correspondent (BC), namely IndusInd Bank Ltd. and Yes Bank Ltd. to enable money remittance using Banking channel.


To provide remittance solutions to the underserved section of the society through Spice Money strong Agent Network

How does it work?

Spice Money Agent opens a Spice Money wallet (semi-closed) of sender using OTP on his/her Mobile. The Sender’s wallet is credited with an amount equal to the money to be remitted using O2O payments. Using IMPS/NEFT the wallet load of sender is transferred to the bank account in India.

DMT – PPI – Product features

  • Opening a Sender’s PPI (semi-closed) wallet (Basic and KYC) by an Agent and sender mobile number is verified through OTP
  • Adding a beneficiary bank account details using Bank Account Number and IFSC Code
  • Verifying Beneficiary Bank Account details
  • Single click : i) Sender’s wallet is loaded by Agent and ii) Pre-paid load is transferred to Bank account
  • Generating a receipt/SMS confirming the status of Money remittance for the Sender
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Aadhaar Enabled Payment System

Micro-ATM, in partnership with RBL & Kotak Bank Ltd.

Spice Money Micro-ATM, in partnership with RBL Bank Ltd. facilitate customers to perform basic banking transactions on his/her Aadhaar-linked bank account using Aadhaar authentication as the identifier.

The basic banking transactions available are outlined below:
1. Balance Inquiry
2. Cash Withdrawal

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Aadhaar Pay

Spice Money Aadhaar Pay Service

Spice Money Aadhaar Pay is a digital payment solution that enables agent to accept payments for goods/services using their android Smartphone and Biometric scanner from customers having Aadhaar seeded bank account.
We are offering "Nil" MDR below Rs 2000 transaction value.

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Spice Money Payments Solution

Enable over 660 million+ Aadhaar linked bank account holders to transact card-less

Currently, only 3 million Point of Sale (POS) machines facilitate Debit/Credit Card payment to Merchants. Spice Money Aadhaar Pay Solution for small merchant will enable over 660 million+ Aadhaar linked bank account holders to transact card-less across merchant locations. This will enable the customer to have a hassles free transactions, the customer need not carry his/her phone, debit card, credit card, remember PIN and transact with “Nil” MDR.

The Merchant will also have a low-cost option of accepting payment card using a Mobile POS.

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Spice Money Bharat Bill Pay

Offering bill payment services to its customers through its network of agents

Over 30,800 million bills amounting to more than Rs. 6000 billion are generated each year in the top 20 cities in India. Bharat Bill Payment System (BBPS) is an RBI mandated system which offers integrated and interoperable bill payment services to customers across geographies with certainty, reliability and safety of transactions.

Spice Money as a Bharat Bill Payment Operating Unit (BBPOU) offers bill payment services to customers through its network of agents O2O (offline to online) for Electricity, Gas, Water, Mobile and DTH bills.

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Spice Money Mobile App

Money transaction was never so easy!

Spice Money Mobile App is a one-stop solution for all Banking and Payment-related services for retailers. The app allows the Spice Money agent* to transfer money instantly in any bank account in India 24X7. The services offered include, Money Transfer, Cash Withdrawal - Micro ATM, Cash Deposit, Bill payments, Mobile Recharges, DTH and Digital Payments available.

Spice Money App is highly secure and available in 7 regional languages thus presenting an ease of access to the regional merchants to work effectively and efficiently.

To become an agent you can write to us at: ( customercare@spicemoney.com)
Or contact us at: (+91 120 3986786, +91 120 5077786)

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Railways, Flights, Bus and Hotels

Gamut of travel services under one roof

Spice Money provides opportunity to book railway/flight/bus tickets and low cost hotels under one roof.

In today’s fast paced world no one has the time to stand in colossal queues for booking tickets. Our travel services fulfill the travel needs of millions of travelers looking for reasonable, reliable, close to home and comprehensive travel solutions.

We offer an all-inclusive travel experience, so look no further and enjoy a gamut of services at one place.

The travel solutions we provide include

Train Tickets

We provide the agents the medium to book train tickets and become IRCTC authorized train ticketing agency and earn an instant commission on sale of every ticket and avail monthly incentive plans. We are the only company to offer commission on rail tickets. We provide a user friendly and quick interface to our agents to book tickets for their customers through a single wallet system. The wallet can be recharged by using multiple options like Credit Card, Debit Card, Cash, Cheque, DD and Net Banking.

Flight Tickets

We provide Domestic and International Flights ticketing solutions with all available combinations and airlines. The service provides the best routing options with an easy to book interface. There is also a presence of dedicated customer care only for airlines related queries and enquiries. This is a complete Travel Management Solution on Single Interface. The agent can instantly book and confirm the tickets and earn attractive margins and commissions.

Bus Tickets

There are times when there is an unavailability of train tickets. In those instances, our bus ticketing solutions are the best alternative for our customers. To provide this service, we have a tie up with around 700 tour and travel operators. We provide an interface through which we enable search and booking of tickets online. The agent can instantly book and confirm tickets by using this interface and earn attractive margins on every ticket booked.

Hotel Bookings

We have a huge database of hotels across cities and the length and breadth of India. We cater to every budget and star category and are available for instant booking and confirmation on a single interface. The USP of this service is that we guaranteed room availability at highly discounted prices which are a great value to our customers.

The agent can earn instant commissions on every room booked.

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Earn ₹ 20,000 to ₹ 50,000 every month