Recharge & Utility Software

Recharge & Utility Software · Lucknow, India

Multi-recharge, AEPS, BBPS and DMT software built on one API layer

Fusion Codes builds B2B recharge portals, white label recharge platforms and fintech APIs, mobile and DTH recharge, AEPS, BBPS, DMT, mini ATM and prepaid card integration, wired into a single wallet and distributor commission engine.

Multi Recharge
B2B Portal
White Label
AEPS
BBPS
DMT
Mini ATM
9+
Recharge & fintech services integrated
99.5%
Typical API uptime target
24/7
Transaction monitoring & support
IN · Global
Clients served from Lucknow HQ
9:41Retailer App

Available Balance

₹24,850.00
Retailer ID: RTL-2231

Recent Transactions

Airtel Recharge
Today, 11:42 AM · Success
−₹199
AEPS Cash Withdrawal
Today, 10:58 AM · Success
−₹2,000
Commission Credit
Today, 10:59 AM
+₹18

// retailer wallet app, illustrative

What We Build

Recharge, payments and fintech APIs on one platform

Every service below plugs into the same wallet, ledger and distributor commission engine, so your retailers work from a single login, however many services you switch on.

Aggregator layer

Recharge API Switching

A single, documented recharge API with automatic operator and aggregator switching, so failed transactions retry through a backup route.

Web + app

B2B Recharge Portal Software

A distributor and retailer web portal plus Android app, with role-based access from admin down to the last retailer.

Your brand

White Label Recharge Software

Fully rebranded under your own company name and logo, ready to resell to your own network of distributors and retailers.

Real-time

Recharge Software with Wallet System

Prepaid wallet with instant top-up, auto-debit on every transaction, and a full ledger that reconciles to the paisa.

Multi-tier

Distributor Hierarchy Software

Admin, master distributor, distributor and retailer tiers, each with its own commission slab, margin and fund-transfer rules.

Aadhaar-based

AEPS API Access

Aadhaar Enabled Payment System integration for cash withdrawal, balance enquiry and mini statement at retailer counters.

Bill payments

BBPS Bill Payment API

Bharat Bill Payment System integration covering electricity, water, gas, DTH, broadband and insurance bill payments.

Cash-out

Mini ATM / mATM Software

Card-swipe based mini ATM integration for cash withdrawal and balance enquiry through retailer-operated devices.

Issuance

Prepaid Card API Integration

Prepaid card issuance and load/reload APIs tied into your existing wallet for combined card and cash workflows.

Verification

PAN Card API Integration

Instant PAN verification and PAN-linked KYC checks built into onboarding, so retailer and customer verification stays compliant.

Core Modules

What runs under every recharge and utility platform

The modules that keep a multi-service B2B recharge business reconciled, compliant and easy for retailers to use.

01

Wallet & Ledger Engine

Single wallet across every service, with auto-debit, top-up approval and a ledger that reconciles transaction by transaction.

02

Multi-Level Commission Engine

Admin-to-retailer commission and margin distribution configured per service, per operator and per distributor tier.

03

API Aggregator Switching

Automatic failover between recharge aggregators and operators, so a single provider outage doesn't stop transactions.

04

Real-Time Reports & Reconciliation

Success, pending and failed transaction reports, daily settlement statements, and dispute/refund tracking in one place.

05

KYC & Onboarding

Retailer and distributor onboarding with PAN and Aadhaar-based verification built in, ready for RBI/NPCI-aligned compliance needs.

06

Retailer Mobile App

An Android app for retailers to recharge, pay bills, do AEPS/DMT transactions and check commission on the move.

API Provider vs Custom Build

Recharge API provider vs custom fintech software:,
which is best?

Ready API access gets you live fast. A custom-built platform gives you full ownership. Most businesses land somewhere between the two, and the right mix depends on your growth stage.

Use a Recharge API Provider if…
  • You want to go live within days on recharge, bill payment or AEPS.
  • You're testing a new service line before committing to a full build.
  • Your transaction volumes are still small to mid-size.
  • You're fine sharing margin with an aggregator in exchange for speed.
Build Custom Fintech Software if…
  • You want full ownership of your wallet, ledger and distributor data.
  • You plan to white label the platform to your own network.
  • You need commission and hierarchy rules no off-the-shelf panel supports.
  • Your volumes justify negotiating direct API contracts and keeping full margin.

Our approach:we often start clients on integrated aggregator APIs to get live fast, then migrate specific high-volume services to direct API contracts as the business scales, without disrupting the distributor network already using the platform.

We Provide Best Recharge / Solutions 
How We Build

From API list to a live recharge business

A fixed, transparent process, so you always know what stage your recharge software is at.

Service Mapping

We list every recharge, bill payment and fintech service you want to offer.

API Sourcing

Aggregator and direct API contracts identified and access credentials arranged.

Development

Wallet, commission engine, portal and app built and connected to each API.

Reconciliation Testing

Test transactions run across every service to verify ledger accuracy.

Launch

Go-live with distributor and retailer onboarding, and wallet top-up enabled.

Support

Ongoing monitoring, new API additions and 24/7 technical support.

One team.
Many success stories.

Built in Lucknow.
Trusted across India.

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