TimePe is a full-stack digital financial services platform designed to empower rural, semi-urban, and underserved communities while providing advanced solutions for urban users and merchants. Our platform integrates UPI, AEPS, BBPS, DMT, card payments, micro-ATM, QR, cross-border remittances, and merchant solutions into a single, seamless ecosystem.
For retailers, SHGs, and low-income merchants, TimePe acts as a business enabler—offering higher commissions, lower transaction costs, and instant settlements, turning them into last-mile financial agents. For consumers, TimePe ensures secure, fast, and transparent transactions, making everyday payments, bill settlements, and fund transfers hassle-free.
Unlike existing players, TimePe differentiates itself through a distribution-first approach, creating a trusted retailer/agent network across Bharat to drive adoption in regions where banking penetration is limited. We are building a ready-to-scale network with over 50+ non-binding LOIs already secured from merchants, retailers, and SHG partners, validating strong demand and market fit.
Our technology stack is built for trust, compliance, and fraud prevention, ensuring regulatory alignment and consumer protection. TimePe is more than just a payment solution—it is an inclusive financial empowerment platform bridging the gap between rural necessity and urban digital convenience.
With a vision to onboard 1 lakh retailers within 18 months and 15 lakh partners across India in 5 yrs.
Startup Description
TimePe, by Avyagrah Tech Innovations, is a next-generation full-stack fintech platform built to drive financial inclusion across Bharat by bridging the gap between rural necessity and urban digital convenience. Millions of people in semi-urban and rural India remain underserved due to limited access, high costs, and lack of trust in existing financial systems. TimePe solves this challenge by integrating UPI, AEPS, BBPS, DMT, QR, card payments, micro-ATM, and cross-border remittances into one seamless, secure, and affordable platform.
Our model focuses on grassroots adoption through retailers, merchants, and Self-Help Groups (SHGs), empowering them as last-mile financial agents with higher commissions, transparent pricing, and instant settlements. For end-users, TimePe ensures trust, accessibility, and convenience in everyday financial transactions, from bill payments to money transfers.
Unlike existing players, TimePe follows a distribution-first strategy, building a strong agent and retailer network to penetrate regions with low banking reach. Early validation is evident with 50+ non-binding LOIs already secured from retailers, merchants, and SHG partners, confirming strong market demand and scalability.
Our vision is ambitious yet practical: onboard 1 lakh retailers within 18 months and expand to 15 lakh partners across India in 5 years, excluding individual consumer adoption. With robust fraud-prevention technology, regulatory compliance, and scalable infrastructure.
Business Model
TimePe operates on a multi-revenue full-stack fintech model designed to serve both consumers and last-mile partners while ensuring sustainable growth. Our platform integrates UPI, AEPS, BBPS, DMT, card payments, QR, micro-ATM, and cross-border remittances into one ecosystem, monetized through transaction fees, service charges, and value-added offerings.
At the core, we follow a distribution-first approach, onboarding retailers, merchants, and Self-Help Groups (SHGs) as financial agents. These partners earn higher commissions while enabling rural and semi-urban communities to access secure and affordable digital services. This creates a win-win network effect—agents generate income, customers gain access, and TimePe earns a share of every transaction.
Revenue streams include:
Retailer & Merchant Network: Commission sharing on AEPS withdrawals, deposits, bill payments, and fund transfers.
Consumer Services: Small service fees on convenience-driven offerings like UPI+, BBPS, card services, and remittances.
Enterprise Solutions: API partnerships with banks, NBFCs, and fintechs for infrastructure and payment processing.
Value-Added Services: Insurance, micro-credit, savings products, and cross-border remittance margins.
The model is low-cost, high-volume, and scalable, with profitability driven by rapid adoption in underserved markets. With 50+ LOIs secured and a roadmap to 1 lakh retailers in 18 months, scaling to 15 lakh partners in 5 yrs, TimePe ensures social impact.
Customers
based in
India
Business
Modal Type
Mobile App
Type of
Sales
B2B, B2C, B2B2C, B2G
Competitors
PayNearby, Spice Money, Fino Payments, Paytm, PhonePe, Google Pay.
Teams
Satyajeet Kumar
Founder, Director & CEO
Priyaranjan Kumar
Director & COO
Tell us a bit about how founding team knows
each other.
The Founder & Director share a strong personal network and a common vision rooted in their small-town origins. Coming from underserved regions themselves, they deeply understand the financial struggles of individuals and small entrepreneurs. With genuine grassroots connections, they bring first-hand insight into the challenges faced by rural and semi-urban communities. This lived experience drives their mission to build TimePe as a platform that prioritizes the needs of the underserved community
Why did you decide to start this
company?
I started TimePe to bridge the gap between urban digital convenience and rural financial necessity, empowering underserved communities with trust, access, and sustainable digital finance.
Are all the founders full-time on this
project?
Yes
Looking for an
opportunity to invest in companies
like Avyagrah Tech Innovations?
