RuPay card issuance
- Our own BIN, issued directly on NPCI
- Physical and virtual RuPay Platinum prepaid cards
- NCMC-enabled for metro and transit
- Limits by person, category, merchant and location
Home/Infrastructure
The spend platform that is also the issuer. RBI-licensed and direct on NPCI.
OmniCard holds an RBI licence to issue prepaid payment instruments and connects directly to NPCI for RuPay cards, UPI and FASTag. There's no sponsor bank between your policy and your payment.
Our own rails
Licensed, not layered. We issue the card, run the UPI and settle the money. No sponsor bank in between.
- ON TOPOmniCard IntelligencePolicy, OCR, audit and reconciliation agents
- PLATFORMWallets, KYC & settlementCompany pool, employee wallets, paperless KYC, escrow-backed balances
- BHARAT CONNECTBill paymentsEvery branch's utility bills on one dashboard
- NPCI · NETCFASTag issuanceDirect issuer for commercial vehicles, with UPI AutoPay top-upsDirect issuer
- NPCI · UPIOur own UPI: @omniEvery employee pays as name@omni or number@omniOwn infrastructure
- NPCI · RuPayRuPay card issuanceOur own BIN. Physical & virtual Platinum prepaid cards, NCMC-enabled for metro and transitDirect issuer
- RBIPrepaid Payment Instrument licenceAuthorised issuer · Eroute Technologies Pvt. Ltd.
UPI IDrahul.sales@omni
Verified · OmniCard✓
Paid to Highway Fuels₹2,450
ISSUEROmniCardRuPay · NCMC · FASTag · UPI
We ship on our own clock
Most spend platforms run on a partner bank's card programme, so every new feature waits on the bank. As the issuer, we build and launch without that queue.
Control at the source
Policy is checked when a payment is authorised on our own systems, so a restricted spend is declined before any money moves.
One record, end to end
Card, UPI, wallet, settlement and ledger live in one system. Support answers faster, and reconciliation has nothing to match across.
What changes when there's no bank in between. Speed, control and one source of truth.
| Typical spend platform on a sponsor bank | OmniCard, direct issuer | |
|---|---|---|
| Card issuing | Runs on a partner bank's BIN through a programme manager | Our own BIN, issued directly on NPCI |
| UPI | The bank's handle and UPI stack | Our own UPI infrastructure and @omni handle |
| FASTag | Issued by a partner bank | Direct issuer under our PPI licence |
| New features | Wait for the bank's approval and IT queue | We decide, build and ship |
| Payment controls | Limited to what the bank's switch exposes | Checked at authorisation on our own systems |
| Support & disputes | Passed between platform and bank | Resolved inside one system |
Every rail, owned end to end. One licence, one wallet, one ledger.
Our own UPI: @omni
- Our own UPI infrastructure, no partner bank handle
- Named and numbered IDs: name@omni, number@omni
- Scan-and-pay from company-funded wallets
- Policy checked before every UPI debit
FASTag issuance
- Direct FASTag issuer under our PPI licence
- Trucks, LCVs and cars on one fleet wallet
- Automatic top-ups below a threshold
- Every toll posted to the right vehicle and trip
Bill payments
- Electricity, water, broadband and more
- Bills fetched for every branch and store
- Autopay rules with caps and approvals
- Receipts filed to the right cost centre
Wallets, KYC & settlement
- Company pool account and employee wallets
- Paperless KYC
- Escrow-backed balances
- One ledger from payment to ERP entry
AI agents on top
- Policy, receipt/OCR and audit agents
- Reconciliation to Tally, SAP and Oracle
- Bills and fleet agents
- Every action logged and reversible
Regulated like a bank. Audited like one too.
- RBI-authorisedPrepaid Payment Instrument issuer
- ISO/IEC 27001Information security management
- PCI DSSCard data security standard
- SOC 2 Type IIControls audited over time
- Data in IndiaPayment data stored in India
See the rails under your policy. We'll walk you through issuance, UPI and controls live.
Building a co-branded card or embedded product? Explore partnerships →