Banking & payments infrastructure
Money that gets
all the way there.
We build the payout rails, collection accounts and agent networks that banks, NBFCs and fintechs use to reach customers far past the branch — across India, Africa, the Middle East and Asia Pacific.
Agent-assisted paymentWhat we build
Two platforms. One integration.
Platform 01
Connected Banking Platform
Banking infrastructure, as an API.
Enterprise APIs for payouts, collections, virtual accounts and reconciliation — so money moves without a separate build for every bank you work with.
- Payout APIs
- PayIn APIs
- Virtual Accounts
- Escrow Accounts
- Bulk Payments
- Vendor Payments
- Salary Processing
- Collections
- Account Validation
- Penny Drop Verification
Platform 02
Agency Banking Solutions
Extend the branch, without the branch.
Bank services delivered through merchants, correspondents, retailers and MFIs — so customers can deposit, withdraw and pay where there is no branch.
- Digital Agent Onboarding
- KYC
- Hierarchy Management
- Territory Management
- Cash Deposit
- Cash Withdrawal
- Domestic Remittance
- Bill Payments
- Merchant Payments
- Account Opening
What you can build
8 services,
one ledger.
Colour tracks the rail each service runs on — mint for connected banking, saffron for the agent network. Take one module or the whole stack.
Payout APIs
Disburse to bank accounts, UPI, and wallets at scale — vendor payments, salary processing, and bulk transfers through a single API.
Connected BankingCollections & PayIn
Collect at scale with PayIn APIs, virtual accounts, and escrow structures that keep customer funds correctly segregated.
Connected BankingAccount Verification
Validate beneficiaries before you pay them — account validation and penny-drop checks that cut failed transfers and fraud.
Connected BankingReconciliation & Settlement
A settlement engine and reconciliation layer with webhooks and dashboards, so finance closes the day without spreadsheets.
Connected BankingCash In / Cash Out
Cash deposit and withdrawal at agent points, extending branch-equivalent service into areas branch economics can't reach.
Agency BankingDomestic Remittance
Assisted money transfer through your agent network, with limits, monitoring, and audit trails applied per transaction.
Agency BankingBill Payments & Benefits
Utility bills, loan collections, insurance premiums, pension payouts, and government benefit distribution at the last mile.
Agency BankingMerchant Acceptance
QR payments, soundbox integration, and a merchant dashboard with settlement and commission handling built in.
Agency Banking45 capabilities · 2 platforms
- 120M+
- Transactions processed annually
- 18,000+
- Agent & correspondent touchpoints
- 4
- Regions we operate in
- 99.95%
- Platform uptime SLA
Who we build for
Three ways in.
For banks
Reach past the branch
Extend branch-equivalent service through an agent network without branch economics, on top of the core you already run.
- Agent onboarding & hierarchy
- Cash in / cash out
- Audit-ready reporting
For lenders & NBFCs
Collect where borrowers are
Disburse at volume and collect at the last mile, with verified beneficiaries and reconciliation that closes without manual effort.
- Loan collections
- Bulk disbursal
- Penny-drop verification
For fintechs & enterprises
Ship without the licence
Launch regulated financial products alongside a sponsor bank, using one integration for payouts, collections and settlement.
- Payout & PayIn APIs
- Virtual accounts
- Webhooks & dashboards
Our approach
Most banking projects fail on the boring parts — reconciliation, reporting, the audit an inspector asks for two years later. We build those first, then the product on top.
Live in weeks
Configure and ship a new territory, rail or programme instead of waiting on a core release cycle.
Compliance per market
Audit trails, monitoring and KYC/AML are native and configured to your regulator — not bolted on afterwards.
On your existing core
Every module integrates over APIs, so you add channels and reach without a migration.
No re-platforming
From one district to a national switch, the same architecture carries the volume as you grow.
Proof
“Nexara's connected banking layer let us launch agency banking across three states in under four months, with reconciliation and compliance handled end-to-end. Their team behaved like an extension of our own technology function.”
Next step
Tell us the market and the segment.
hello@nexarafintech.com · +91 9971886999