What
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Where
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At a glance
5 Lakhs - 10 Lakhs
Investment Range
26 - 50
Franchise Count
On Inquiry
Area Required
On Inquiry
Payback Period
7
Years in Franchising

About the brand

Paygyft (Virob Ecommerce India Private Limited) Franchise

About Us:

Introducing PayGyft, a cutting-edge and homegrown mobile application that’s set to redefine the shopping experience. In a landscape where numerous payment solutions promise cashback, PayGyft stands out by offering cashback on every single transaction, setting it apart from the competition.

What’s more, we’ve raised the bar even higher – you can earn cashback even when you pay with physical cash. At PayGyft, we’re not just a payment solution; we’re a digital payment and customer loyalty enhancement program, designed to address the evolving need for customer retention through digitization.

Based in the thriving tech hub of Bangalore, PayGyft is a rapidly growing FinTech company that’s dedicated to providing innovative solutions to its customers. As a trusted partner, we develop digital payment products that address our clients’ business challenges, drawing on our extensive experience in technology and FINTECH domains.

Our team at PayGyft is comprised of seasoned professionals with over two decades of experience in leading global IT and payment companies. Our customer base spans various domains and industries, and our strength lies in our highly motivated and skilled workforce, committed to offering round-the-clock services to our customers.

Our Platforms:

1. Retail Platform: Empowering local Customer Service Points (CSP) to provide a wide range of services in their communities, including AEPS, Domestic Money Transfer, Utility Bill Payments, Mobile & DTH Recharges, PAN Card applications, Insurance, and even bank account opening, among other services.

2. UPI Platform: Enabling merchants to accept digital payments effortlessly. With the growing footprint of digital payments, there is an increasing demand for UPI payments. Our Android App allows merchants to accept payments by simply requesting their customers to scan a QR code using popular apps like PayTM, GooglePay, Truecaller, PhonePe, and various banking apps that accept QR Code payments.

3. Lending Platform: Empowering NBFCs and MFIs to expand their reach. Our Retail Touch Points or CSPs offer lending services in their localities, making loans easily accessible with quick turnaround times. Simultaneously, it boosts the revenue for NBFCs and MFIs while keeping costs and risks at a minimum.

4. POS Platform: Offering a robust POS credit and debit card payment processing platform for merchants to accept card payments securely. Our NFC-enabled POS devices ensure that payments are processed with the highest level of security. Our product is certified by Master/Visa/Rupay, guaranteeing reliability.

5. PayGyft Prepaid Card: A versatile card that can be used for a variety of purposes, including shopping, utility bill payments, e-commerce transactions, booking movie tickets, DTH recharges, and more.

At PayGyft, we’re not just a solution; we’re your partner in seamless and rewarding digital payments. Join us in reimagining the way you shop and transact.

Business Services Payment Solutions B2B+B2C Semi-Absentee Individual/SME

Investment and financials

Cost overview
Investment range5 Lakhs - 10 Lakhs
Franchise / Brand feeAvailable on inquiry
Royalty / CommissionAvailable on inquiry
Investment tierMid
Area requiredAvailable on inquiry
Staff required1 - 3
Setup complexitySimple
Business term5 Years
Renewal availableYes
Returns outlook
Expected monthly revenue
95,000 to 3,10,000 per month
Revenue levelLow
Business modelB2B+B2C
Capital paybackAvailable on inquiry
Capital sensitivityMedium

Investor fit profile

Operations
Operation modeSemi-Absentee
Location typeAny
Home-based possibleYes
Can run part-timeYes
Primary customerIndividual/SME
Market characteristics
SeasonalityHigh
Recession resistanceVery High
Digital integrationVery High
Years in franchising7 years
Avg units / year5
Expansion velocityModerate
Ideal for
Small business owner Career changer Graduate entrepreneur Fintech investor

Franchise support

Tax system inclusion
Franchise manuals
Head office support
Field assistance
IT systems included
Agreement template
Training and agreement details
Training location
Company Office
Business term
5 Years
Renewal available
Yes

Brand strength

7
Years Franchising
5
Avg Units / Year
2018
Founded
B
Brand Tier
B
Tier B — Growing brand
A+Established AMature BGrowing CStartup
Growing Moderate

Forefind rank history

#18#23#28#332020202120222023202420252020: #302021: #312022: #322023: #322024: #332025: #21
Current rank
#21
#21 of 35 in Payment Solutions
2025
Moved up 9 places since 2020
Based on Forefind scoring model

Licences and compliance

Required licences and registrations for operating this franchise in India. Requirements may vary by state and city tier.
RBI Guidelines
GST
Setup complexity: Simple

Disclaimer: All scores, rankings, and estimates on ForeFind are independently produced editorial assessments using publicly available data and validated brand-submitted information. They are not verified facts, financial advice, or investment recommendations. Full Disclaimer.

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