UPI ATM Service

UPI ATM

Cardless cash withdrawals made simple for your customers.

ZuperMoney UPI ATM enables eligible retailers to provide assisted, cardless cash withdrawal services using secure QR codes and UPI authentication, helping customers access cash conveniently without a physical debit card.

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UPI ATM cash withdrawalA retailer terminal generates a dynamic QR code, a customer's phone scans it with a UPI app, and a confirmation shows cash withdrawn without a debit card, secured by UPI PIN.GENERATE QR₹5,000Dynamic QR, one-time usePay with any UPI appWorks with any UPI appScan & PayScanned securely via UPICash Withdrawn₹5,000Secured with UPI PINNo debit card requiredSample screen for illustration
Overview

What is UPI ATM?

UPI ATM (Interoperable Cardless Cash Withdrawal) is an assisted banking service that allows eligible customers to withdraw cash from their bank accounts by scanning a dynamic QR code using any authorized UPI application. It eliminates the need for physical debit cards at the retail point. With ZuperMoney, retailers can offer UPI ATM services as part of their digital financial services portfolio — expanding their service portfolio, serving customers through a local retail network, and building additional earning opportunities, all managed through one centralized platform.

Customers can access UPI ATM services through an authorized ZuperMoney retail point, subject to applicable bank, network, and service requirements.

Who can use this?

  • Retailers
  • Distributors
  • Master Distributors
  • White Label / Technology Partners
Process

How UPI ATM Works

Step 01

Customer Visits the Retailer

The customer approaches an authorized ZuperMoney retailer to request a cardless cash withdrawal.

Step 02

Transaction Details Are Entered

The retailer enters the requested withdrawal amount to generate a dynamic QR code on the authorized platform.

Step 03

Customer Scans QR Code

The customer scans the generated QR code using their preferred authorized UPI application.

Step 04

UPI PIN Authentication

The customer authorizes the transaction by securely entering their UPI PIN in their application.

Step 05

Cash Dispensation

Upon successful authorization, the retailer hands over the requested cash to the customer.

Step 06

Transaction Confirmation

The retailer receives the transaction status and the customer receives the applicable transaction confirmation.

Capabilities

UPI ATM Services Available

Cardless Cash Withdrawal

Help customers withdraw cash from their eligible bank accounts securely without needing a physical debit card.

Dynamic QR Generation

Generate exact-amount dynamic QR codes on the authorized retailer device to initiate the withdrawal request.

Multi-App Interoperability

Allow customers to authorize transactions using their preferred, authorized UPI application.

Instant Authentication

Process withdrawal requests securely using the customer's standard UPI PIN, subject to applicable service and bank requirements.

Benefits

Why Offer UPI ATM Through ZuperMoney?

Expand your financial service portfolio by offering innovative cardless cash withdrawal facilities.

Build additional earning opportunities through standardized, secure transaction services.

Serve a wider local customer base by eliminating the requirement for physical debit cards.

Manage all assisted banking and UPI ATM services efficiently through one centralized digital platform.

Requirements

What Documents Are Required?

Depending on the onboarding category, applicants may be required to provide:

  • PAN Card
  • Aadhaar Card
  • Bank account details
  • Mobile number
  • Address proof
  • Business/shop details
  • Photograph
  • Additional documents required during verification

Exact requirements may vary according to the applicant type and applicable KYC requirements.

Security & Trust

Security & Compliance

UPI ATM transactions involve sensitive financial and customer information. Transactions are processed through applicable authorized banking/payment infrastructure and are subject to applicable KYC, security, regulatory, and service-provider requirements.

Retailers must follow ZuperMoney's operational and compliance guidelines while providing UPI ATM services.

Audience

Who Can Use ZuperMoney UPI ATM?

Retailers

Authorized retailers can offer direct, cardless cash withdrawal services to their local walk-in customers.

Distributors

Distributors can onboard and manage a network of retailers providing UPI ATM services within their operational area.

Master Distributors

Master Distributors can expand the service reach by managing multiple distributor and retailer networks.

White Label / Technology Partners

Eligible partners can integrate UPI ATM services into their own platforms, subject to applicable API and compliance requirements.

Common questions

Frequently Asked Questions

Start Offering UPI ATM Services

Build your digital financial services business with ZuperMoney.

Become a Retailer Become a Distributor Become a Master Distributor Contact ZuperMoney