All-in-One Recharge & Billing Software

Power Your Business with All-in-One Recharge Software

Manage recharges, bills, payments, and commissions with a powerful platform trusted by businesses across India. Automate your operations and scale faster.

Multi Recharge

All operators & services covered.

Bill Payments

BBPS enabled secure payments.

Reports & Analytics

Real-time insights for your business.

Commission Mgmt

Track & manage earnings easily.

Get Started Free See How It Works
10k+

Trusted by 10,000+ businesses across India

Payment Processed

Dashboard

Total Transactions

12,458

↑ +12.5%

Total Revenue

₹24,58,320

↑ +8.2%

Transaction Overview

Monthly

Earnings

₹12,850

+15.6% this month

Recent Transactions

Airtel Recharge
₹199
Electricity Bill
₹1,246
DTH Recharge
₹299
View All Transactions

Business Account

18,214.67

Upcoming Balance

11,248.22

Current Balance

Reconcile 26 items
$ 8,140,55
Income
$ 2,193,21
Expense
Invoice
Joe K.

Invoice sent Successfully!

1000+

Active Partners

Retailers, Distributors & Agents

₹2Cr+

Monthly Transactions

Processed through our network

99.9%

Platform Uptime

Industry-leading reliability

1+

Years in Market

Trusted financial technology

Our Services

50+ Services on One Platform

Everything your customers need — from mobile recharge to insurance — all accessible through a single, unified platform with real-time processing.

POPULAR

Mobile Recharge

Prepaid & postpaid for all operators

DTH Recharge

Tata Sky, Airtel, Dish, D2H & more

POPULAR

Bill Payments

Electricity, gas, water, landline

BBPS Bill Payment

Insurance Premium, Broadband Bill, IMPS with instant credit

AEPS & mATM

Aadhaar-enabled payment services

PAN Card

Instant PAN card application & UTI

Travel Booking

Bus, flight & hotel booking

Insurance

Life, health & motor insurance

Broadband

Internet & broadband bill payments

FASTag Recharge

NHAI FASTag top-up & balance

Utility Services

Municipal tax, challan, LIC premium

Micro ATM

Cash withdrawal at your doorstep

Don't see the service you need?

Request a Custom Service
Partner Ecosystem

Choose Your Growth Path

Join HWRS PayTech's growing digital service ecosystem. Whether you want to launch your own branded fintech platform, manage a partner network, serve customers from your shop, offer services through mobile apps, or integrate APIs into your own system — HWRS PayTech provides the technology, services and support to help you grow.

Our platform supports Web Portal, Android App, iOS App, Partner Panels, Customer App, Wallet System, Reports and API Integration based on your selected business model.

White Label Partner

White Label Partner

Business Model

Own Branded Platform

COMMERCIALS

Custom Plan

White Label Partners can launch their own branded fintech platform with their business name, logo, domain, web portal, Android app, iOS app, partner hierarchy, service modules, wallet reports and business management tools.

A White Label Partner can create and manage Master Distributors, Distributors, Retailers, Merchants and Customers under their own brand while using HWRS PayTech technology and service infrastructure.

Key Features

Own brand name, logo and theme
Branded web portal, Android app and iOS app
Master Distributor, Distributor and Retailer management
Customer mobile app option
Wallet, reports and commission visibility
Service modules and business monitoring
Register as White Label Partner
Master Distributor

Master Distributor

Business Model

Network Management

COMMERCIALS

Role-Based Margin

Master Distributors can manage a wider network of Distributors and Retailers. This role is suitable for area-level, city-level, district-level or large-scale partners who want to expand digital services through a structured business network.

Master Distributors can monitor hierarchy, wallet activity, transaction reports, commission visibility, distributor performance and retailer growth through web panel and mobile app access.

Key Features

Manage distributors and retailers
Web panel and mobile app access
Wallet and ledger reports
Network transaction visibility
Commission and margin reports
Support and business monitoring tools
Register as Master Distributor
Distributor

Distributor

Business Model

Retailer Network Growth

COMMERCIALS

Role-Based Margin

Distributors can build and manage their own retailer network. They help retailers with onboarding, wallet usage, service activation, transaction support and business growth.

Distributors can track retailer activity, transaction reports, wallet reports, commission visibility and daily business performance through web panel and mobile app access.

Key Features

Manage retailers
Retailer activity tracking
Web panel and mobile app access
Wallet and transaction reports
Commission visibility
Support and service monitoring
Register as Distributor
Retailer

Retailer

Business Model

Customer Service Point

COMMERCIALS

Service-Based Margin

Retailers are the frontline service providers in the HWRS PayTech ecosystem. Retailers can offer recharge, bill payment, AEPS, Micro ATM, PAN, insurance, travel, FASTag and other enabled services directly to customers.

Retailers can use web panel and mobile app to process services, view wallet balance, check transaction history, generate receipts and track commission.

Key Features

Serve customers directly
Web panel and mobile app access
Recharge and bill payment services
AEPS and utility services
Wallet and transaction history
Receipt and commission visibility
Register as Retailer
Customer

Customer

Business Model

Mobile App User

ACCESS

Android & iOS App

Customers can use HWRS PayTech or White Label Partner branded mobile apps to access digital services directly from their mobile phones.

Customers can sign up through mobile number, add money to wallet where enabled, use recharge and bill payment services, receive signup bonus, view daily offers, track transactions, download receipts and access support.

Key Features

Android and iOS mobile app
Mobile number signup
Wallet system, where enabled
Signup bonus and daily offers
Recharge and bill payment services
Transaction history and digital receipts
Explore Customer App
API Partner

API Partner

Business Model

API Integration

COMMERCIALS

Custom Commercials

API Partners can integrate HWRS PayTech services into their own website, Android app, iOS app, software, CRM, ERP, wallet platform, B2B portal, B2C app or white label system.

This model is suitable for businesses and developers who want backend service connectivity while keeping their own platform, branding and customer experience.

Key Features

REST API integration
Sandbox and testing support
Webhook / callback support
Developer documentation
Wallet and transaction reports
Integration for web, Android and iOS platforms
Register as API Partner
Partner Ecosystem

Choose Your Role & Start Growing

HWSR PayTech is built for every type of digital service business — from a customer using a mobile app to a retailer serving local customers, from a distributor managing retailers to a white label partner running a complete branded fintech platform.

Our ecosystem supports both direct HWSR PayTech partners and White Label Partner networks. A partner can work directly under HWSR PayTech, or a White Label Partner can create and manage their own Master Distributors, Distributors, Retailers, Merchants and Customers under their own brand.

HWSR PayTech Network Hierarchy

HWSR PayTech

Platform, API & service infrastructure

↓

White Label Partner

Own branded web, Android & iOS platform

↓

Master Distributor

Manages distributors & retailers

↓

Distributor

Builds local retailer network

↓

Retailer A

Local service point

Retailer B

Local service point

Retailer C

Local service point

Explore Partner Roles

Select the role that matches your business model and start your growth journey with HWSR PayTech.

White Label Partner

Launch your own branded fintech platform with web portal, Android app, iOS app, partner hierarchy and customer app support.

Learn More

Master Distributor

Manage distributors and retailers with hierarchy tools, wallet reports, transaction visibility and mobile app access.

Learn More

Distributor

Build and support your retailer network with web panel, mobile app, wallet tracking and business reports.

Learn More

Retailer

Offer recharge, bill payment, AEPS and utility services directly to customers.

Learn More

Customer

Use Android and iOS mobile app for wallet, offers, recharge, bill payment, transaction history and support.

Learn More

API Partner

Integrate HWSR PayTech APIs into your own website, app, software or white label platform.

Learn More

Higher Earnings

Earn more as you grow your network.

Wide Reach

Expand your business across regions.

Easy Integration

Seamless API integration at every level.

Trusted Platform

Backed by secure technology and compliance.

Dedicated Support

Get priority support at every step.

India's Most Powerful Recharge & AEPS Software Platform

Start your Retailer, Distributor or Master Distributor business with one powerful B2B recharge ecosystem.

Become Retailer Become Distributor Watch Demo
+1k

Trusted by 1000+ Partners

⚡ Instant Recharge 🏧 AEPS 📋 BBPS 🪪 PAN 🔌 Fast API
Platform Features

Everything You Needin One Platform

From recharge HWRS PayTech handles the complete B2B payment lifecycle with unmatched reliability and ease of use.

Lightning Fast Processing

Process 10,000+ transactions in under 2 minutes with instant confirmations.

Bank-Grade Security

256-bit encryption & multi-factor auth keeps every payment transaction safe.

Seamless Integrations

Connect via REST API with all major operators, banks, and 40+ payment gateways.

24/7 Dedicated Support

Our payment experts are available round the clock, every day of the year.

Explore All Features  →
Master Distributor Privileges

Scale Across Multiple
Cities & States

Become a Master Distributor — The apex of HWRS's partner network. Control entire regions, onboard unlimited distributors, unlock maximum commissions.

Unlimited Distributor Onboarding

Add distributors across India without any cap. Build a massive nationwide network under your control.

Full White Label System

Launch the platform under your own brand name, logo, and domain. Your business, your identity.

Advanced API Control & Customization

Full REST API access with webhooks, multi-operator routing, failover logic, and developer tools.

Highest Commission Tier — Up to 5%

Unlock the maximum commission slab across all services. Earn on every transaction in your entire network tree.

Complete Admin Panel & Analytics Suite

Full-access admin dashboard with network analytics, transaction logs, compliance reports, and live alerts.

Dedicated Account Manager Support

A dedicated HWRS relationship manager helps you scale your network and resolve issues 24/7.

Priority Settlements & Wallet Priority

Master Distributors get T+0 instant settlement priority, dedicated wallet limits, and zero-delay fund releases.

How It Works

Get Started in 4 Simple Steps

From registration to earning — our streamlined onboarding gets you live in under 24 hours.

01

Register & Verify

Sign up with your basic KYC documents. Get verified within 24 hours with Aadhaar & PAN verification.

02

Add Wallet Balance

Load your wallet via NEFT, RTGS, UPI or bank transfer. Minimum deposit starts from just ₹500.

03

Start Transactions

Process recharges, bill payments and 50+ other services instantly from the dashboard.

04

Earn Daily Commissions

Commissions credited instantly to your wallet. Withdraw to bank anytime — no holding period.

How a Transaction Flows

👤

Customer

Places request

🏪

Retailer

Processes via app

⚡

HWSR API

Instant routing

📡

Operator

Service delivery

✅

Customer

Gets service

Average processing time: < 3 seconds
Platform Features

Built for Reliability & Scale

Enterprise-grade infrastructure powering lakhs of daily transactions across India's most trusted B2B recharge network.

Instant Processing

Sub-3-second transaction processing with 99.9% success rate across all operators.

Bank-Grade Security

256-bit SSL encryption, 2FA authentication and RBI-compliant security architecture.

Real-Time Analytics

Live dashboards showing transactions, commissions, wallet balance and downline activity.

24/7 Support

Dedicated support via phone, WhatsApp, email and in-app chat — always available.

Mobile App

Full-featured Android & iOS apps with biometric login and offline transaction queuing.

Multi-Operator Support

All telecom operators, DTH providers and utility companies — every major brand covered.

Auto-Refund System

Failed transactions are auto-detected and refunded to wallet within 60 seconds.

Daily Settlements

Commissions credited same-day. Withdraw to any bank account with zero charges.

Why 1000+ Partners Trust HWSR PayTech

We've been powering India's B2B recharge ecosystem for over 15 years. Our platform is built on robust infrastructure with redundant systems, ensuring your business never stops.

Partners

₹84K

Today's Sales

₹1,680

Commission

342

Transactions

Get Started Free Schedule Demo
Earning Structure

Transparent Commission Structure

Know exactly what you earn on every transaction. Our commission structure is fully transparent with no hidden deductions.

Service Retailer Distributor Master Distributor API
Mobile Recharge (Prepaid) 0.5% 0.75% 1% Custom
DTH Recharge 1% 1.5% 2% Custom
Electricity Bill 0.5% 0.75% 1% Custom
AEPS / mATM ₹5/txn ₹7/txn ₹10/txn Custom
PAN Card (NSDL/UTI) ₹20/app ₹30/app ₹40/app Custom
Bus Booking ₹50/ticket ₹75/ticket ₹100/ticket Custom
Insurance Premium 2% 3% 4% Custom

* Commission rates are indicative and may vary based on volume. Contact us for exact rates.

Earning Highlights

  • Instant commission credit after every transaction
  • No cap on daily/monthly earnings
  • Withdraw to any bank — zero charges
  • Bonus slab for high-volume partners
  • Festive & promotional bonuses quarterly
  • Refer & earn ₹500 per new partner signup

Estimated Monthly Earning

₹25,000+

For a retailer with 500 txn/day

Daily transactions ~500
Avg. transaction value ₹200
Avg. commission rate 0.5%
Daily earning ≈ ₹500
Start Earning Now
Partner Stories

Trusted by 1000+ Partners Across India

Real stories from retailers, distributors and API partners who've grown their business with HWSR PayTech.

RK

Ramesh Kumar Sharma

Master Distributor · Jaipur, Rajasthan

★ ★ ★ ★ ★

I've been with HWSR PayTech for 4 years now. Started as a retailer and now manage 200+ distributors across Rajasthan. The platform's reliability and support team are exceptional. Earning ₹3L+ monthly through my network.

Monthly earnings ₹3L+/month
PV

Priya Venkatesh

Distributor · Chennai, Tamil Nadu

★ ★ ★ ★ ★

The commission structure is the best in the market. What really stands out is the instant refund system — failed transactions are resolved within a minute. My retailers love the app and never face issues.

Monthly earnings ₹80K+/month
MA

Mohammad Arif Khan

Retailer · Lucknow, UP

★ ★ ★ ★ ★

I run a mobile shop and HWSR has completely transformed my business. Earlier I used three separate platforms for recharge, bill payment. Now everything on one app. Commission credits instantly!

Monthly earnings ₹22K+/month
SG

Sunita Gupta

Retailer · Indore, MP

★ ★ ★ ★ ★

As a woman entrepreneur running a small kirana store, HWSR PayTech gave me the financial independence I always wanted. The onboarding was seamless and the support team is always available. Highly recommended!

Monthly earnings ₹18K+/month
AT

Arun Tiwari

Master Distributor · Patna, Bihar

★ ★ ★ ★ ★

Managing 150+ retailers under my network is effortless with HWSR's distributor panel. Real-time transaction tracking, instant commission crediting, and the AEPS service has opened a huge revenue stream for rural areas.

Monthly earnings ₹1.5L+/month
NP

Neha Patel

API Partner · Ahmedabad, Gujarat

★ ★ ★ ★ ★

Integrated HWSR's REST API into our fintech app within 2 days. The sandbox environment is excellent, documentation is crystal clear, and the 99.99% uptime means our users never experience downtime. Best API partner in India!

Monthly volume ₹50Cr+/month
Developer API

Integrate All Services in Your App

A single REST API to power recharge, bill payments, AEPS and 50+ services. Comprehensive documentation, sandbox environment, and dedicated technical support included.

RESTful API

Simple HTTP endpoints

Secure & Certified

ISO 27001 compliant

99.99% SLA

Enterprise uptime

Sandbox Mode

Test before going live

View Docs Get API Key
hwsr-api.js

// HWSR PayTech — Mobile Recharge API

const response = await fetch(

'https://api.hwsrpaytech.com/v1/recharge', {

method: 'POST',

headers: {

'Authorization': `Bearer ${"{API_KEY}"}`,

'Content-Type': 'application/json',

},

body: JSON.stringify({

mobile: '9876543210',

operator: 'JIO',

amount: 239,

circle: 'MH'

})

}

);

 

// Response

{

status: "success",

txnId: "HWSR20260520001",

operatorRef: "JIO123456789"

}

Next-Gen Payment Platform

Simplify Your Payments with HWRS Pay

Secure, fast, and reliable digital transactions. Manage your utility bills, mobile recharges, and business payments effortlessly from anywhere.

B2B Recharge Mobile App

Get it on Google Play Download on the App Store

B2C Recharge Mobile App

Get it on Google Play Download on the App Store
HWRS Pay App Display