UPI Cash Point Service

UPI Cash Point

Turn your retail shop into a neighborhood digital cash withdrawal point.

ZuperMoney UPI Cash Point enables eligible retailers to provide assisted, cardless cash withdrawal services using secure QR codes and UPI authentication, helping customers access physical cash easily at their local stores.

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UPI Cash Point transactionA retailer's screen shows a QR code for the cash amount, the customer scans it with a UPI app on their phone, enters their UPI PIN, sees a payment authorised screen, and the retailer hands over cash.₹CASH WITHDRAWAL₹2,000Scan with any UPI appAwaiting paymentPayment receivedScan & PayWorks with any UPI appPoint at the retailer's QREnter UPI PIN₹2,000Cash withdrawal123456789Payment authorisedCash withdrawal₹2,000UPI PINVerified by customerCash at retailerCollect your cashSample screen for illustration
Overview

What is UPI Cash Point?

UPI Cash Point is an assisted digital banking service that allows eligible customers to withdraw physical cash from authorized local retail shops without needing a debit card or visiting a traditional ATM. Customers simply scan a dynamic QR code generated by the merchant and authenticate the payment using their preferred UPI application, after which the retailer hands over the requested cash. With ZuperMoney, retailers can offer UPI Cash Point services as part of their digital financial portfolio, transforming their store into a convenient neighborhood cash access point.

Customers can access UPI Cash Point 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 Cash Point Works

Step 01

Customer Visits the Retailer

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

Step 02

Transaction Details Are Entered

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

Step 03

Customer Scans and Authenticates

The customer scans the QR code using their preferred UPI application and securely enters their UPI PIN.

Step 04

Transaction Processing

The request is processed through the applicable banking and UPI network infrastructure.

Step 05

Cash Dispensation

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

Step 06

Transaction Confirmation

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

Capabilities

UPI Cash Point Services Available

Cardless Cash Withdrawal

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

Dynamic QR Generation

Generate an exact-amount transaction QR code on the authorized retailer platform to initiate the cash withdrawal request.

Multi-App Interoperability

Allow customers to scan and authorize the withdrawal using any supported and authorized UPI-enabled mobile application.

Instant Authentication

Process transactions securely using the customer's private UPI PIN authentication through their own mobile device.

Benefits

Why Offer UPI Cash Point Through ZuperMoney?

Expand your financial service portfolio by offering convenient, cardless cash withdrawal facilities in your neighborhood.

Build additional earning opportunities through secure, digital-to-cash transaction services.

Increase store footfall by serving local customers who need cash but lack easy access to physical ATMs.

Manage assisted banking and digital payment 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 Cash Point 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 Cash Point services.

Audience

Who Can Use ZuperMoney UPI Cash Point?

Retailers

Authorized retailers can transform their shops into local cash access points by offering assisted withdrawal services.

Distributors

Distributors can onboard and manage a network of retailers providing UPI Cash Point 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 Cash Point services into their own platforms, subject to applicable API and compliance requirements.

Common questions

Frequently Asked Questions

Start Offering UPI Cash Point Services

Build your digital financial services business with ZuperMoney.

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