Payment App Development (Wallet & UPI)
Paytm/PhonePe-style wallet, UPI, bill payments and merchant QR super-apps
Digital payments are India's default — UPI alone crosses billions of transactions a month. AdelSocial builds secure payment super-apps with wallets, UPI, bill payments, recharges and merchant QR, integrated with licensed PSP and banking partners and built to PCI-DSS standards, so you can launch a Paytm or PhonePe-style product with confidence.
Problems we solve
The operational friction killing growth right now. Each one eliminated by what we build.
Compliance is hard
UPI, PPI wallet and KYC rules require the right licensed partners and secure architecture.
Security & fraud risk
Payment apps are prime fraud targets and need eKYC, encryption and monitoring.
Fragmented features
Users want wallet, UPI, bills, recharges and rewards in one place, not many apps.
Reconciliation headaches
Failed transactions, refunds and settlements must reconcile perfectly at scale.
Everything we ship
Standard in every engagement. Add more, remove some — each build adapts to your scope.
UPI & Wallet
UPI collect/pay, wallet top-up and P2P transfers via licensed PSP/bank partners.
Bill Payments & Recharge
BBPS bill payments, mobile/DTH recharge, and utility payments in-app.
eKYC & Onboarding
Aadhaar/PAN eKYC, video KYC and tiered wallet limits per RBI norms.
Fraud Detection
Real-time risk scoring, device binding, limits and transaction monitoring.
Merchant QR & Payments
Merchant onboarding, dynamic QR, settlements and a merchant dashboard.
Rewards & Cashback
Cashback, scratch cards and loyalty to drive activation and retention.
Built with modern, battle-tested tech
We pick the stack based on your scale, team and 5-year maintainability — not what's trendy.
- Flutter / native
- Biometric login
- Secure storage
- Java / Node.js
- PCI-DSS architecture
- Ledger & reconciliation
- PSP / bank APIs, BBPS
- Razorpay / Cashfree
- AWS (India region)
How we ship
Transparent, milestone-based process with weekly demos. No black box, ever.
Discovery & Scoping
We map your requirements, users and success metrics for the fintech, then lock scope, milestones and a fixed quote.
UI/UX Design
Wireframes to pixel-perfect screens for every flow, reviewed with you before a line of code is written.
Architecture & Setup
Database schema, API design, cloud infrastructure and a security baseline built for your scale.
Development
Feature-by-feature builds shipped to a staging URL every week for your live feedback.
QA, Security & Testing
Manual and automated testing, load testing and a security pass before anything goes live.
Launch & Support
Deployment or app-store submission, plus post-launch support, monitoring and iteration.
Transparent pricing
Starting points based on business stage. Every tier is customizable — the final number depends on scope.
Startups & MVPs
- UPI & Wallet
- Bill Payments & Recharge
- eKYC & Onboarding
- Admin dashboard
- 3 months support
Growing businesses
- Everything in Starter
- Fraud Detection
- Merchant QR & Payments
- Payment & API integrations
- 6 months support
Large-scale & enterprise
- Everything in Growth
- Rewards & Cashback
- Custom integrations & white-label
- Dedicated project manager
- 12 months support + SLA
Frequently asked questions
A focused wallet/UPI app starts around ₹5,00,000; a full super-app with bills, merchant QR and rewards ranges up to ₹40,00,000+.
Yes — wallet and UPI features run through licensed PSP, PPI or banking partners. We architect the app to integrate with your chosen partner and comply with RBI/NPCI norms.
We build to PCI-DSS standards with eKYC, encryption, device binding and fraud monitoring; card/UPI handling is done via certified gateways.
Yes — wallet, UPI, BBPS bills, recharges, merchant QR and rewards in one branded app with an admin panel.
Typically 12-22 weeks depending on features, partner integrations and compliance scope.
Ready to ship?
Book a 30-minute consultation. We'll scope your project, estimate accurately, and share recommendations — no sales pressure, no obligations.