RupeNet is a financial technology company focused on delivering essential banking and digital payment services to rural and underserved communities in India. Through a network of local merchant partners and providing solutions like AEPS (Aadhaar Enabled Payment System) for Cash Withdrawal /Deposit, utility bill payments, and mobile recharges. RupeNet is bridging the gap between urban financial systems and Bharat's grassroots economy. We require hard working professionals in the sales field who want to earn extra income with the help of their existing network or students who are eager to learn and gain experience in the marketing field along with earning a side income. Join us in this mission and make a Digital India together!

💼 What Is an Onboarding Partner?

An Onboarding Partner is an individual who helps RupeNet expand its merchant network (shop owners who provide these services to local people) by:

Visiting local shops and kirana stores
Explaining AEPS and RupeNet services
Onboarding shopkeepers onto the platform
Assisting with biometric setup and KYC (of the merchant)

It’s a part-time or full-time earning opportunity that’s perfect for students, medical reps, or field agents .

💸 What Do You Earn ?

₹500 per agent(After First Successful Transaction) [that means even if you onboard just one merchant per day on part-time basis for 25 days a month then you can earn ₹12500💰 ]
Commissions up to Rs 10,000 every year by the merchants you onboard(Yes, that’s right! Whenever a merchant onboarded by you does a transaction, you receive part of the commission ranging from 0.5-4 Rs per transaction)
Work once & earn for the whole year (if you onboard 50 Merchants and earn commission for all those merchants)
Branded T-Shirts & Exclusive Perks
Exciting Rewards 🏆
Recognition & Certification from Rupenet
Fast-Track to a Full-Time Job!

📲 What Are the Steps to Get Hired?

Fill the Google Form
Contact Your Local Key Account Manager (KAM) with the following documentation,
- Passport-size photo
- PAN Card
- Aadhaar Card
- Cancelled cheque (for settlement account)

Note: All AEPS transactions must be done within a 20 km radius of your signup location.

Admin Activation:Once documents are submitted, your profile is reviewed and activated by the admin team.
KYC & Fingerprint Registration:Using your fingerprint biometric device, perform one-time KYC authentication.

⚠️ Use L1-registered biometric devices for long-term compatibility (currently, L0 also accepted).

2FA Login for Security:Before doing any AEPS transactions, you must perform a 2-Factor Authentication login each day.
Start Onboarding Merchants!:Now you’re ready to onboard local shopkeepers and help them become RupeNet Merchant Partners!

🔧 How to Set Up the Biometric Device?

Enable OTG on your Android phone
Download RDService from the Google Play Store
Open RDService and wait for the “Device Ready” message
Minimize it and launch the RupeNet app

🔗 Apply Now

Want to start earning? Connect with a RupeNet KAM or apply via our onboarding form!

📥 Apply via Google Form

Empower Bharat, one merchant at a time — with RupeNet.

In today’s digital Bharat, millions of people still travel long distances for basic banking services. That’s where you — a local Money Officer with RupeNet — can change lives and earn a steady income doing it. If you run a shop, medical store, or want to start a side business with no upfront investment, RupeNet is your launchpad.

💡 What is a RupeNet Money Officer?

A Money Officer is a certified merchant partner who uses RupeNet’s mobile app to offer essential financial services to customers. All you need is a smartphone, Aadhaar-enabled biometric device, and internet access — and you're ready to earn from Day 1.

🛠️ Services You Can Offer

AEPS (Aadhaar Enabled Payment System)

Cash Withdrawal, Balance Enquiry, Mini Statement using Aadhaar authentication
✅ Up to ₹10 per transaction
Ideal for customers without debit cards or bank branches nearby

DMT (Domestic Money Transfer)

Transfer money instantly to any Indian bank account
✅ Earn ₹8–₹46 per transaction, depending on the slab
Available 24/7 — even when banks are closed

BBPS (Bharat Bill Payment System)

Pay electricity, water, broadband, gas, DTH, and other bills
✅ Get ₹5–₹15 commission per payment

Mobile & DTH Recharge

Recharge any mobile or TV connection — across all operators
✅ Earn up to 0.85% commission

Credit Card Bill Payment

Accept and process credit card bill payments from your customers
✅ Earn 2.15% commission per transaction

Loan Repayment & Insurance Premium Collection

Help customers pay EMI and insurance dues right from your shop
✅ Fixed commissions up to ₹25 per transaction

💰 How Much Can You Earn?

Here’s a realistic scenario:

Service	Daily Volume	Avg. Earning/Txn	Daily Income	Monthly Income
AEPS	20 txns	₹11	₹220	₹6,600
DMT	10 txns	₹15	₹150	₹4,500
BBPS	5 txns	₹10	₹50	₹1,500
Recharge	10 txns	₹3	₹30	₹900
Total	—	—	₹450/day	₹13,500+

Multiply this by growing transaction volume — and your monthly income can exceed ₹20,000 easily without any investment or change in your current business.

🧭 Why Choose RupeNet?

✅ No investment required
✅ Training and onboarding support
✅ Real-time dashboard to track your earnings
✅ Trusted by 30,000+ agents across 15+ states
✅ High commissions, fast payouts

🎯 Ready to Become a Money Officer?

Turn your shop into a digital bank. Serve your community and earn daily with RupeNet.

📥 Register on www.rupenet.in

📲 Or WhatsApp us at +91 82481 92685

The Fintech Wake-Up Call: API Misuse and the Increasing Risk of Money Laundering

In a recent expose by The Economic Times (April 2025), the financial services sector was rocked by reports of massive misuse of payout APIs. Several rogue operators allegedly funneled crores of rupees using layered accounts, third-party platforms, and loose onboarding norms, drawing urgent attention from the RBI and the Financial Intelligence Unit (FIU).

While this raises concerns about digital finance vulnerabilities, it also presents a moment of reflection—and leadership.

At RupeNet Payments, we've always believed that trust is the foundation of every transaction. That’s why, long before these headlines, we implemented a Compliance-First Framework designed to prevent exactly this kind of misuse.

RupeNet’s Built-In Compliance & Risk Controls

1. Aadhaar-Based KYC for Every DMT Remitter

Unlike many platforms that allow anyone to send money with minimal checks, RupeNet mandates that every Domestic Money Transfer (DMT) remitter [normally the local Shop Owners] is KYC-verified using Aadhaar authentication. This ensures:

Proof of identity & address
Biometric traceability
Real-time duplication checks

This drastically reduces the possibility of ghost users and mule accounts.

2. OTP-Based Transaction Authorization

Each transaction made by a remitter on RupeNet goes through a secure OTP verification, ensuring the genuine intent and consent of the user. This:

Prevents impersonation or third-party misuse
Creates an audit trail for each transaction
Enables user-level accountability

3. Risk & Compliance System (Implemented in 2024)

RupeNet was one of the first rural-focused fintechs to deploy a dedicated Risk & Compliance Unit last year. Our in-house team actively:

Flags suspicious patterns (high frequency, unusual volumes)
Suspends or escalates questionable accounts in real time
Works in sync with our partner banks and payment gateways

4. What Went Wrong Elsewhere?

From the recent report, key issues identified were:

Overexposed APIs shared without restrictions
Weak onboarding of payout agents and BCs
Lack of OTPs, KYCs or facial authentication
No audit trail of purpose for fund transfers

These gaps created a loophole for layering and laundering across dozens of accounts, many of which were shell entities.

RupeNet’s Compliance-First Infrastructure = Peace of Mind

Feature	RupeNet Approach
Remitter Onboarding	Aadhaar-Based eKYC
Transaction Authentication	Mandatory OTP for Every DMT
Agent Verification	KYC + Field Verification by KAMs
Risk Monitoring	24x7 Pattern & Volume Surveillance
Partner Bank Coordination	API Whitelisting & Daily Audit Logs

A Message to Our Merchants and Partners

At RupeNet, we’re more than a payments platform—we’re a responsible ecosystem builder. Our Merchant Partners can transact confidently knowing they’re part of a legally compliant, RBI-aligned, and financially secure network.

We are actively working with our banks and regulators to maintain the highest standards of due diligence, especially in rural markets, where protection is essential.

Our Philosophy

Fintech is evolving. But with evolution comes responsibility.

We believe that financial inclusion must go hand-in-hand with financial discipline.

RupeNet’s early adoption of KYC, OTP, and proactive monitoring sets a strong precedent for compliance-driven growth. As others play catch-up, we continue to stay ahead—building a platform that’s not just easy to use, but safe to trust.

https://www.rupenet.com/blog

What’s New in UIDAI Guidelines?

Here’s a snapshot of the latest mandates:

✅ Mandatory upgrade to L1 fingerprint scanners (All L0 scanners to be phased out by June 30, 2025)
✅ Rapid growth in Face Authentication (Over 130.5 crore authentications, with 78% in FY 2024-25 alone)
✅ Two-Factor Authentication (2FA) for Aadhaar in telecom: fingerprint + face
✅ UIDAI Circular 3 of 2024 outlines Aadhaar use in receiving subsidies/services

RupeNet’s Early Compliance: Leading by Example

RupeNet has already:

Upgraded to L1 biometric devices
Integrated Face RD API into our app
Implemented multi-factor Aadhaar authentication
Complied with Aadhaar Act Section 7 for government benefit transactions

This means your transactions — whether AEPS, DMT, or BBPS — are now more secure, faster, and aligned with national compliance frameworks.

What This Means for Our Money Officers & Users

Whether you're a Money Officer, merchant, or distributor:

You’ll benefit from seamless Aadhaar-based transactions
You’re operating with a UIDAI-certified platform

We provide training and support to help you use these features easily with your existing smartphone and RupeNet biometric device.

Become a RupeNet Onboarding Partner