India's first domestic payment solution

ZERO, India’s first domestic simplified payment solution which focuses on reaching out to masses with lowest available communication infrastructure.
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Experience Banking Convenience

ZERO is bringing about real difference in the lives of the underserved population in India by providing access to banking and financial services at their doorstep.
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Single platform. Multiple Solutions

ZERO platform is used in various applications, such as biometric identity, cash deposits, recurring deposits, cash withdrawals, money transfers and many other applications.
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Secured Platform
Trusted | Certified | Confidential
Simplified Process
Fast | Effortless | Efficient
Technology Driven Platform
Automated Process | RFID Smart Cards | Biometric Authentication


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ZERO is based on new generation Near Field Communications (NFC) mobile phones; contact-less RFID smart cards; integrated biometrics authentication system and a transaction server to enable cost effective and convenient mobile transaction solutions for Customer Service Points (CSPs) and merchants to carry out banking & financial transactions.


SmartChange is an NFC based instant cashless payment platform


  • Cashless Payments
    Experience a secured way of banking through online/ digital payment
  • NRega / Pensions
    Guarantee & secure the livelihood of the rural workers
  • Money Transfers
    Secured & automated payment process that enables quick money transfers
  • Cash Withdrawals
    Withdraw cash at your convenience
  • Recurring Deposits
    Hassle free banking experience with scheduled recurring deposits (RD) standing instructions
  • Cash Deposits
    Convenient cash deposits through authorised banking partner
  • Biometric Identity
    Secured identity verification through biological traits

New Age Banking Experience : Valued Service | Technology Driven | Satisfied Customers

Society Focus
The ZERO platform enables timely disbursements of cash benefits to the underprivileged under various government schemes.
Zero Impact
ZERO is a popular end-to-end technology driven platform for branchless banking
Plug and play access for banks to rollout their services and, hence increase their outreach.
Maximum reach
The benefits of this banking & insurance services has reached to the un-banked population

  • Amul
  • Mother Dairy