Grow Your Retail Business with
HWRS PayTech
Become a Retailer with HWRS PayTech and start offering digital payment, recharge, bill payment, assisted banking, utility, travel, insurance, and other enabled services directly to customers from your shop or business location.
Whether you want to operate from desktop in your shop or from your mobile phone while on the move, HWRS PayTech provides you with the tools to manage your business efficiently.
Trusted by 10,000+ retailers across India
Multiple Digital Services
Web Panel & Mobile App
Wallet & Transaction Reports
Commission Visibility
Easy Customer Transactions
Receipt Generation
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
Turn Your Shop into a Digital Service Point
Today, customers prefer nearby shops and service points where they can complete essential digital tasks quickly and conveniently. HWRS PayTech helps retailers become a one-stop destination for multiple digital services.
Increase Daily Customer Visits
When customers know your shop provides multiple digital services, more people visit you regularly for recharge, bill payment, cash withdrawal and digital payment needs.
Offer More Services from One Place
Serve your local customers with day-to-day services such as recharge, bill payment, AEPS, Micro ATM, PAN services, insurance, FASTag, travel booking, and more.
Create Additional Income Opportunities
Retailers can benefit from transaction-based commission or margin visibility according to enabled services and commercial structure.
Build Stronger Customer Trust
When you provide quick, reliable and useful services, customers are more likely to visit again and recommend your business to others in the local area.
Expand Beyond Traditional Shop Sales
HWRS PayTech makes it easier for retailers to participate in the growing digital service economy without needing complex infrastructure.
Serve Customers Directly from Your Shop or Service Point
As a retailer, you work as the front-line service provider in the HWRS PayTech ecosystem. Customers visit you to complete different service requests, and you process those services using the HWRS PayTech platform.
This model is ideal for local businesses that want to become digitally enabled service points in their area.
Your retailer business operates through:
Retailer
You — process services for customers
HWRS PayTech Platform
Web panel + mobile app + wallet + reports
50+ Digital Services
Recharge, bills, banking, PAN, insurance, travel and more
Customers
Visit your shop for quick, reliable digital services
HWRS PayTech Retailer Model is Suitable For
If you interact with local customers and want to provide useful digital services from your location, the Retailer model can be a strong fit for your business.
Manage Your Business Through Web and Mobile
HWRS PayTech Retailers can access the platform through both web panel and mobile app, giving flexibility to work from desktop as well as mobile.
You can process services through your shop computer or laptop using the web panel, and you can also use the mobile app for quick access, transaction checks, wallet monitoring, and service processing.
This dual access model gives retailers more convenience and better business continuity.
Run Your Shop Operations from a Powerful Dashboard
The HWRS PayTech Retailer web panel helps you process services, monitor transactions, check wallet balance, view reports, track service status, and manage daily business activity from one place.
Useful for retailers who operate from a fixed business location and want detailed operational visibility.
Manage Services Anytime Through Mobile
HWRS PayTech can provide a dedicated mobile app for retailers to process services, monitor transactions, view wallet balance, check commissions, and access support directly from their mobile phone.
Offer Multiple Services from One Platform
HWRS PayTech enables retailers to provide a wide range of digital services to customers. Service availability may depend on provider availability, compliance, commercial approval, device requirement, and activation status.
Recharge & Bill Payment Services
- Mobile Recharge
- DTH Recharge
- BBPS Bill Payment
- Electricity Bill Payment
- Water Bill Payment
- Gas Bill Payment
- Broadband Bill Payment
- FASTag Recharge
- Utility Bill Payment
Assisted Banking & Payment Services
- AEPS Services
- Micro ATM Services
- UPI Cash Withdrawal
- Wallet Services (where applicable)
- Merchant Payment Solutions
- Cash & EMI Collection
Business & Utility Services
- PAN Card Services
- Insurance Services (Health, Bike, Car)
- Travel Booking
- Bus Ticket Booking
- Courier Service Support
- Gift Card Services
- Digital Gold Services
- Other enabled partner-based services
Increase Footfall and Expand Your Earning Opportunities
As a retailer, you can serve existing customers as well as attract new walk-in customers by offering useful digital services.
Multiple Services in One Place
Provide recharge, bill payment, AEPS, PAN, insurance, travel and other services from one platform.
Web and Mobile Access
Use both web panel and mobile app for better convenience and smoother business operations.
Daily Customer Utility
Customers frequently need recharge, bill payment, cash withdrawal and digital payment support, helping you build repeat business.
Better Shop Visibility
When customers know your shop provides multiple digital services, your local business presence becomes stronger.
Additional Earning Potential
Benefit from transaction-based commission or margin visibility according to enabled services and commercial structure.
Easy Operations
The platform is structured to help retailers work efficiently with wallet view, reports, receipts, and transaction tracking.
Business Growth
Retailers can expand from a basic recharge point into a full digital service center.
Build Customer Trust
When you provide quick, reliable and useful services, customers are more likely to visit again and recommend your business.
Stay Updated with Your Daily Business Activity
HWRS PayTech provides reports and tracking tools to help retailers understand service usage, transaction volume, wallet activity, and performance.
Keep Track of Your Business Balance
- Wallet Balance View
- Ledger Statement
- Debit and Credit Report
- Transaction Debit Visibility
- Refund Credit Visibility
- Balance Monitoring
- Wallet Load Request (where applicable)
- Settlement Tracking (where applicable)
- Daily Wallet Activity History
Transparent View of Your Earnings
- Service-wise Commission Visibility
- Transaction-wise Earning Visibility
- Daily Commission Tracking
- Commission Credit Tracking
- Margin Report
- Refund/Reversal Impact Visibility
Commission structure may vary according to service type, transaction success, provider rules, enabled modules, and company policy.
Build Trust by Offering Faster, More Useful Services
Retailers play a direct role in customer experience. When you provide quick, reliable and useful services, customers are more likely to visit again and recommend your business to others.
Help When You Need It
Retailers may require assistance with service activation, transaction status, wallet understanding, or operational issues. HWRS PayTech supports retailers through platform-level assistance and issue coordination.
Built for Local Business Growth
Built for Local Business Growth
Designed for retailers, merchants, and local entrepreneurs who want to offer digital services directly to customers.
Web Panel and Mobile App
Operate through both desktop and mobile, depending on how you prefer to manage your business.
Multi-Service Platform
Offer recharge, bill payments, AEPS, Micro ATM, insurance, travel, FASTag and more from one platform.
Wallet and Reports
Monitor wallet, ledger, transactions, commissions and service performance with better visibility.
Better Customer Reach
Bring more customers to your shop by becoming a local digital service point.
Flexible Business Operations
Use web panel for detailed control and mobile app for quick access and mobility.
Retail-Friendly Setup
Designed for easy service processing, receipt generation, and role-based access.
Growth Opportunity
Transform your shop into a strong local utility and digital services center.
The Retailer Model Works Best For
A mobile shop wanting to add recharge, bill payment and AEPS
A kirana store wanting more daily customer visits
A cyber cafe wanting to offer utility and PAN services
A travel agent wanting to add recharge, insurance and payment services
A small merchant wanting to build side income through digital services
A local entrepreneur wanting to start a digital service point
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 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"
}
Powerful features to simplify your business
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
B2C Recharge Mobile App
