Kotibox
Digital Wallet & Payment App
FINTECH

Digital Wallet & Payment App

Secure payment platform with wallet, invoices, merchant panel, transaction history, and analytics.

PCI DSS
Compliant
99.99%
Transaction Uptime
50+
Currency Support
Flutter (App)Node.jsPostgreSQLRedisStripe/Razorpay APIAWS
Overview

Everything You Need — Ready to Launch

PCI DSSCompliant
99.99%Transaction Uptime
50+Currency Support

Launch your own branded payment ecosystem. Our digital wallet solution supports P2P transfers, merchant payments, invoice generation, and multi-currency support — all with bank-grade security and PCI DSS compliance built in.

Digital Wallet & Payment App
Features

What's Inside the Platform

Every feature is production-ready and included in the base deployment — not sold as separate add-ons.

P2P Money Transfers

Included in base deployment

Merchant Payment Gateway

Included in base deployment

Invoice Generation

Included in base deployment

Multi-currency Support

Included in base deployment

Transaction Analytics

Included in base deployment

PCI DSS Compliant

Included in base deployment

How It Works

From Setup to Live in Weeks

A simple, guided process — we handle everything technical.

1
Register & Complete KYC

Users sign up and verify identity via Aadhaar/PAN document upload for regulatory compliance.

2
Add Money to Wallet

Top up via UPI, debit/credit card, or bank transfer with instant confirmation and balance update.

3
Pay or Transfer

Send money to contacts, pay merchants by scanning QR codes, or pay bills with one tap.

4
Track & Manage

View full transaction history, download statements, set spending limits, and manage linked accounts.

Who It's For

Built for These Businesses

Three distinct use cases — each with measurable outcomes.

01

Fintech Startups

Launch a branded wallet app without building payment infrastructure from scratch.

Ideal for this business type
02

Enterprises

Create internal payment flows, expense management, and vendor payouts.

Ideal for this business type
03

Marketplaces

Enable split payments, escrow, and multi-party transactions for your platform.

Ideal for this business type
Build vs Buy

Why Not Build It From Scratch?

Every client asks this. Here is an honest comparison.

Criteria
Build From Scratch
Kotibox Ready-Made
Time to Market
12–18 months of development
4–8 weeks — platform is ready-built
Development Cost
₹30L – ₹1.5Cr+ engineering cost
Fixed price — fraction of custom build
Team Required
8–12 engineers, PMs, QA, DevOps
No dev team needed — we handle everything
Project Risk
60% of custom builds go over budget
Low — battle-tested across real clients
Post-launch
Full engineering team needed permanently
Covered by 3-month support plan
Customisation
Full control — at enormous cost
Full white-label — your brand, your domain
High risk · High cost
Fast · Proven · Affordable
Screenshots

See It in Action

Real screens from the platform.

Digital Wallet & Payment App 1
Platform Preview
Digital Wallet & Payment App 2
Digital Wallet & Payment App 3
FAQs

Frequently Asked Questions

Technical, commercial, and implementation questions answered.

Key Features
P2P Money Transfers
Merchant Payment Gateway
Invoice Generation
Multi-currency Support
Transaction Analytics
PCI DSS Compliant
What's Included
Customer Wallet App (iOS & Android)
Merchant POS & QR Payment System
Admin Panel with Transaction Monitoring
KYC Verification Workflow Module
Invoice & Account Statement Generator
Full Source Code & Documentation
Tech Stack
Flutter (App)Node.jsPostgreSQLRedisStripe/Razorpay APIAWS
Deployment
Timeline: 4–8 weeks to go live
White-label: Full branding — your domain & apps
Support: 3 months post-launch included
Hosting: Cloud-hosted, managed by us
Source Code: Full ownership on delivery

Interested in this product?

Get a free demo and custom pricing tailored to your business needs.

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Ready-made · Fast Launch

Ready to Launch Digital Wallet &?

We'll walk you through the full platform, show you every screen, and give you a custom pricing estimate — in a free 30-minute demo.

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