Pements
Financial Services. Digitally Connected.
Pements is Penext's high-scale financial technology platform that empowers businesses, BC agent networks, and enterprises with AEPS banking, BBPS utility payments, instant domestic remittances, merchant settlements, and developer APIs.
Enterprise Financial Architecture & Liquidity Routing
Engineered with multi-switch bank routing, sub-second latency, and automated reconciliation to eliminate transaction drops.
Multi-bank gateway balancing ensures uninterrupted 99.99% transaction success rates.
Real-time 3-way matching between NPCI logs, sponsor banks, and agent wallets.
Instant tier-wise commission distribution credited to distributor and retailer wallets.
UIDAI certified 2FA device registration, RD service hooks, and encrypted payloads.
Pements Financial Core Services
Deliver the complete catalog of digital financial services to retail consumers and enterprise networks.
1. AEPS Banking
Aadhaar Enabled Payments- Biometric Aadhaar Cash Withdrawal (CW)
- Real-Time Balance Enquiry (BE)
- Last 10 Transactions Mini Statement (MS)
- Aadhaar Pay Merchant Payment Collections
- Integrated Registered Device (RD) SDKs
- Multi-Bank Switch Routing with Auto Failover
2. BBPS Utility Bills
Bharat Bill Payment System- State Electricity & Power Distribution Bills
- Piped Gas & LPG Cylinder Booking
- Municipal Water & Sewage Tax Payments
- Postpaid Mobile & Landline Broadband Bills
- DTH & Cable TV Subscription Recharges
- Insurance Premium & Loan EMI Repayments
- Instant Confirmation Receipt Generation
3. Domestic Money Transfer
Instant 24/7 IMPS/NEFT- Instant Remitter KYC & Verification Workflows
- Beneficiary Name Verification (Penny Drop)
- High-Volume 24/7 IMPS Transfer Routing
- Multi-Account Beneficiary Address Book
- Configurable Surcharge & Commission Rules
- Automated Reversal on Transaction Failure
4. Recharges & Fastag
Instant Top-Ups- Prepaid Mobile Recharges (All Operators)
- DTH TV Subscriptions & Plan Lookups
- National Highway Fastag Toll Recharges
- Google Play Gift Cards & Subscriptions
- Automated Plan & R-Offer Browser
- Instant Operator Transaction IDs
5. PAN & Digital Identity
Govt Identity Portals- Instant e-PAN Application Workflows
- Physical PAN Card Registration & Tracking
- Instant PAN Card Verification API
- Aadhaar Offline XML eKYC Engine
- Bank Account Penny Drop Validation
- Digital Customer Onboarding & KYC Vault
6. Agent & Distributor SaaS
Multi-Tier Hierarchy- Super Distributor, Master & Retailer Hierarchy
- Digital Paperless Agent Self-Onboarding
- Prepaid Virtual Account Wallet Top-Ups
- Instant Commission Credit to Wallets
- Settlement to Verified Bank Accounts (T+0 / T+1)
- Agent Activity, Service Access & Daily Audit Logs
7. Analytics Dashboard
Executive Overview- Live Volume & Transaction Throughput Graphs
- Total Gross Revenue & Commission Margins
- Agent Performance & Active Pin-Code Analytics
- Failure Analysis & Gateway Health Ticker
- Downloadable GST & Tax Statement Reports
- Dispute & Chargeback Ticket Management
8. Developer API Engine
RESTful Endpoints- Clean JSON REST APIs with Postman Collections
- Real-Time Asynchronous Webhook Notifications
- API Key Management & IP Whitelisting
- Rate-Limiting & DDoS Shielding
- Sandbox Environment for Quick Integration
- Ready-to-Deploy Android & React SDKs
9. Bank-Grade Security
Regulatory Safeguards- UIDAI Certified 2FA Device Tokenization
- Hardware Security Module (HSM) Key Management
- Automated Suspicious Velocity & Fraud Triggers
- RBI Compliant Indian Datacenter Data Residency
- Role-Based Access Control (RBAC) Policies
- Complete Immutable Audit Logs for Regulatory Audits
Common Questions About Pements
Information regarding onboarding, API sandbox access, commission structures, and security protocols.
Yes. Pements provides white-label capabilities allowing you to deploy the entire web portal, Android application, and agent network under your own brand identity, custom domain, and customized commission rules.
Pements supports automated Instant Settlements (T+0 via IMPS/NEFT) directly to the agent's verified bank account upon request, or scheduled end-of-day batch settlements, ensuring high liquidity for your retail network.
The Pements AEPS module is pre-integrated with all major UIDAI-certified L1 and L0 biometric scanner devices including Mantra MFS100 / MFS110, Morpho Safran 1300 E2/E3, Startek, and SecuGen, via compliant RD services.
With our standardized REST endpoints, exhaustive Postman documentation, and sandbox test credentials, developer teams typically integrate and complete testing within 48 to 72 hours.
Ready to Power Your Financial Network with Pements?
Get in touch with our fintech architecture team to discuss white-label deployment, API integration, and customized commission routing.