The payments suite for Bharat

Connecting every payment possibility

Explore products

The opportunity

Built for Bharat’s next decade.

One full-stack payments ecosystem — built to compound, made to scale to a billion.

Ecosystem

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Products across the payment stack, one ecosystem

Make in India

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Designed & manufactured in India

Integrations

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Scheduled commercial banks & networks integrated

Always on

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Real-time risk & compliance monitoring

The ecosystem

Six products. One ecosystem.

Every layer of the payment stack: issuance, acceptance, gateway, compliance and intelligence, built to compound.

PPI

Prepaid · Cards

PPI

'One Nation, One Card': the most consequential payment infrastructure since UPI, built for Bharat.

AndBite

Employee Benefits

AndBite

A prepaid employee-benefit card engineered for smarter tax savings.

AndBiz

UPI · QR · Devices

AndBiz

A UPI soundbox proudly designed and manufactured in India, for Bharat.

AndPay

Online Payments

AndPay

An integrated, omni-channel platform that simplifies payment acceptance everywhere.

AndGRC

Governance · Risk · Compliance

AndGRC

Where governance, risk & compliance meet to empower organisations to build trust and resilience for sustainable success.

APAAR

AI · Analytics

APAAR

AI Powered Automated Analytics & Reporting: a unified compliance platform with multilingual, audit-ready workflows.

BPAAS

BFSI · Platform-as-a-Service

BPAAS

BFSI Platform-as-a-Service: the build layer for banks, NBFCs and fintechs to launch financial products with speed.

PPI

Prepaid · Cards

PPI

'One Nation, One Card': the most consequential payment infrastructure since UPI, built for Bharat.

AndBite

Employee Benefits

AndBite

A prepaid employee-benefit card engineered for smarter tax savings.

AndBiz

UPI · QR · Devices

AndBiz

A UPI soundbox proudly designed and manufactured in India, for Bharat.

AndPay

Online Payments

AndPay

An integrated, omni-channel platform that simplifies payment acceptance everywhere.

AndGRC

Governance · Risk · Compliance

AndGRC

Where governance, risk & compliance meet to empower organisations to build trust and resilience for sustainable success.

APAAR

AI · Analytics

APAAR

AI Powered Automated Analytics & Reporting: a unified compliance platform with multilingual, audit-ready workflows.

BPAAS

BFSI · Platform-as-a-Service

BPAAS

BFSI Platform-as-a-Service: the build layer for banks, NBFCs and fintechs to launch financial products with speed.

PPI

Prepaid · Cards

PPI

'One Nation, One Card': the most consequential payment infrastructure since UPI, built for Bharat.

AndBite

Employee Benefits

AndBite

A prepaid employee-benefit card engineered for smarter tax savings.

AndBiz

UPI · QR · Devices

AndBiz

A UPI soundbox proudly designed and manufactured in India, for Bharat.

AndPay

Online Payments

AndPay

An integrated, omni-channel platform that simplifies payment acceptance everywhere.

AndGRC

Governance · Risk · Compliance

AndGRC

Where governance, risk & compliance meet to empower organisations to build trust and resilience for sustainable success.

APAAR

AI · Analytics

APAAR

AI Powered Automated Analytics & Reporting: a unified compliance platform with multilingual, audit-ready workflows.

BPAAS

BFSI · Platform-as-a-Service

BPAAS

BFSI Platform-as-a-Service: the build layer for banks, NBFCs and fintechs to launch financial products with speed.

Trust & compliance

A foundation, not a checkbox.

Every payment moves through certified infrastructure, audited end-to-end and aligned with the regulators who govern Indian fintech.

Recognised by

Leadership

Built by the builders.

A team that has shipped India’s payment infrastructure at scale — now building what’s next.

Sushil S Jadhav

Sushil S Jadhav

Founder

Sushil S Jadhav

Founder

Two decades across India's payment ecosystem — card issuance, merchant acquiring, prepaid and cross-border payments — designing systems for compliance from line one. Now building AI-native, compliance-first payment infrastructure for India and the markets adopting its digital playbook.

Rahul Sharma

Rahul Sharma

Head — Technology & Strategy

Rahul Sharma

Head — Technology & Strategy

Technology and strategy leader across India's digital payments — EMV, UPI, tokenisation, merchant acceptance, transit and secure identity. Builds AI-native, compliance-first infrastructure.

Shiv Kodnani

Shiv Kodnani

Head — Products & Solutions

Shiv Kodnani

Head — Products & Solutions

Product and payments leader with 15+ years across digital payments in India. Led product strategy, partnerships and commercial growth across large-scale payment ecosystems.

Vijay Solanki

Vijay Solanki

Head — Risk & Compliance

Vijay Solanki

Head — Risk & Compliance

Banking and fintech leader with 21+ years across product, risk, compliance and business finance. Proven success at HSBC, HDFC Bank and Kotak Mahindra Bank.

Nitin Mahajan

Nitin Mahajan

Head — Customer Success

Nitin Mahajan

Head — Customer Success

Customer success leader focused on building lasting client relationships and ensuring every partner realises the full value of the AndPayments ecosystem.

Neeraj Vijayvargiya

Neeraj Vijayvargiya

Head — Sales

Neeraj Vijayvargiya

Head — Sales

Sales leader with 20+ years of experience in Banking and FinTech. Expertise in business growth, strategic partnerships, and revenue acceleration. Passionate about building strong customer relationships and delivering sustainable results.

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