Who We Are
Driving financial inclusion across India by building robust, accessible, and high-margin digital payment infrastructure.
Pioneering the Digital Economy from West Bengal
Paybachat is a flagship fintech brand proudly developed and operated by Shilvora Software Private Limited. Headquartered in Maheshtala, West Bengal, we recognized a massive gap between rural India and modern digital banking facilities.
Our journey began with a simple idea: to empower local retail shop owners, mobile recharge outlets, and entrepreneurs to act as digital financial hubs for their communities. Today, we provide a unified B2B platform that turns any standard shop into a comprehensive mini-bank.
From instant AEPS withdrawals to BBPS utility payments and high-margin recharges, our architecture is built on absolute reliability and trust.
Our Mission
To architect a seamless, cash-lite ecosystem across India. We aim to equip 1 million+ local merchants with state-of-the-art API technologies, enabling them to offer branchless banking services with zero downtime and maximum profitability.
Our Vision
To be India's most trusted B2B Fintech enabler. We envision a future where geographical barriers no longer dictate financial access, ensuring that every citizen, regardless of their location, has banking at their fingertips.
What Drives Us Forward
🔒 Ironclad Security
We deploy 256-bit encryption and strict biometric protocols to ensure every transaction, from a ₹10 recharge to a major AEPS withdrawal, is 100% secure.
⚡ Blazing Speed
Time is money for our merchants. Our server architecture guarantees instant settlements, immediate wallet top-ups, and live API fetching without lag.
🤝 Merchant First
We believe we only grow when you grow. We offer industry-leading commission margins and dedicated 24/7 technical support to all our partners.
🇮🇳 Made for Bharat
We understand the grassroots challenges of Indian retail. Our interfaces are designed to be accessible, intuitive, and highly functional on low bandwidths.
Ready to Transform Your Business?
Join the Paybachat family today. Experience the technological excellence of Shilvora Software Private Limited.