Payment App Development (Wallet & UPI) by AdelSocial Technologies — Paytm/PhonePe-style wallet, UPI, bill payments and merchant QR super-apps. Investment ₹5,00,000 - ₹40,00,000, typical timeline 12-22 weeks. Delhi-based, delivered across India, UAE, UK and USA.
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 headaches quietly capping your growth — each one designed out of the product 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.
Features that ship in every build
Every capability below comes standard. Add more, trim others — each build is scoped to your business.
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 technology for your scale, budget, and long-term maintainability — not for what's trending.
- 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 build & ship
From kickoff to launch — a transparent, milestone-based process with weekly progress updates.
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 tiers
Start from the tier that fits your stage. Every plan is customizable — talk to us for exact scope.
- UPI & Wallet
- Bill Payments & Recharge
- eKYC & Onboarding
- Admin dashboard
- 3 months support
- Everything in Starter
- Fraud Detection
- Merchant QR & Payments
- Payment & API integrations
- 6 months support
- 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.
Other industries we build for
Ready to build your fintech?
Get a free 30-minute consultation. We'll scope your project, estimate cost accurately, and share honest recommendations — no obligation.