One-time activation fee ₹50,000 · First month completely free
The plan that fits
the network you're building.
Pick a plan, activate your account, and go live. Pay a one-time activation fee of ₹50,000 to get started — your first full month of subscription is on us. From month 2, your chosen plan subscription kicks in automatically via eNACH.
For emerging operators
Starter
Start your financial services business and grow your retailer network at your own pace.
₹3,499 / month
Billed monthly, cancel any time
Typical monthly earning
₹6,000 – ₹30,000
At 1–10 retailers, ₹5L–₹30L monthly GMV
- ✓Offer money transfers, bill payments, AePS & recharge — earn on every transaction8 core products included
- ✓RBI-compliant KYC built in — zero compliance work for you
- ✓AI-enabled support, 24×7
- ✓Connected Banking — seamless account integrationConditions apply · Separate integration charges may apply
Retailers
Up to 10
Daily GTV cap
₹10L / day
Products
8 core
Network tiers
3-tier
Most popular
For growing distributors
Business
Build and manage a retailer network. Set your own commission structure.
₹9,999 / month
Billed monthly, cancel any time
Typical monthly earning
₹50,000 – ₹3,00,000
At 10–150 retailers, ₹20L–₹5 Cr monthly GMV
- ✓Everything in Starter, plus Payment Gateway unlockedHigher earning per transaction
- ✓Set your own commission rates for every retailer in your network3-tier pricing: you → distributor → agent
- ✓See every retailer's performance and earnings in one dashboard
- ✓AI-enabled + WhatsApp support, 24×7
Retailers
Up to 150
Daily GTV cap
₹50L / day
Products
All 10
Network tiers
3-tier
For large networks
Network
Operate at scale across districts and states. No GTV limits, no ceiling.
₹24,999 / month
Billed monthly, cancel any time
Typical monthly earning
₹3,00,000+
At 150+ retailers, ₹5 Cr+ monthly GMV
- ✓Everything in Business, with no retailer cap or GTV limitUnlimited retailers, unlimited transactions
- ✓Bulk payments and mass settlement for your entire networkPay 500 retailers in a single operation
- ✓Website building supportSubject to additional charges
- ✓Additional integration supportSubject to integration + support charges
- ✓AI-enabled + WhatsApp support + Priority queue with faster SLAs
Retailers
Unlimited
Daily GTV cap
None
Products
All 10 + Bulk
Network tiers
3-tier
Revenue calculator
Calculate your earnings
Move the sliders to match your target network size and monthly GMV per retailer. Your projected earnings update instantly.
Retailers in your network50 retailers
1
50
100
150
200
250
300
Monthly GMV per retailer₹15L
₹1L
₹10L
₹20L
₹30L
₹40L
₹50L
Your monthly earning
₹2.75L
₹2,74,856 per month
Annual earning
₹32.98L
₹32,98,268 per year
Earning contribution by product — where each rupee comes from
Loan Referral₹1,20,000
Payment Gateway₹55,575
Insurance₹40,500
AePS₹20,000
Recharge₹15,000
Bill Payments (BBPS)₹7,500
Credit Card Bill Payment₹6,000
DMT / PPI DMT₹4,816
Travel₹4,500
Indo-Nepal Remittance₹964
Figures are indicative. Based on blended product mix. Loan earning uses ₹800/txn midpoint (range ₹600–₹1,000). Actual earnings depend on your network's transaction volumes and your own commission decisions.
⚡
First month completely free — subscription begins from month 2.
Pay a one-time activation fee of ₹50,000 to get started. Your first full month on the live Eloka platform is free — real brand, real transactions, real earnings. Capped at ₹1L daily GTV and 10 retailers during the trial period. Cancel before the end of your free month and you won't be charged subscription fees.
Compare every detail side by side
Everything that's included — so there are no surprises after you sign up.
| Feature | Starter | Business | Network |
|---|---|---|---|
| Pricing | |||
| Monthly subscription | ₹3,499/mo | ₹9,999/mo | ₹24,999/mo |
| Annual subscription (2 months free) | ₹34,999/yr | ₹99,999/yr | ₹2,49,999/yr |
| One-time activation fee | ₹50,000 | ₹50,000 | ₹50,000 |
| Free trial period | 1 month free | 1 month free | 1 month free |
| When first subscription charge happens | Month 2 (eNACH) | Month 2 (eNACH) | Month 2 (eNACH) |
| Cancel before end of free month | No subscription charged | No subscription charged | No subscription charged |
| Network & scale | |||
| Maximum retailers in network | 10 | 150 | Unlimited |
| Daily GTV cap | ₹10 Lakh | ₹50 Lakh | None |
| Network tier structure | 3-tier | 3-tier (you → dist → agent) | 3-tier (you → dist → agent) |
| Custom commission per retailer | ✓ | ✓ | ✓ |
| Bulk payments (mass settlement) | — | — | ✓ |
| Products included | |||
| DMT — Domestic Money Transfer | ✓ | ✓ | ✓ |
| AePS — Aadhaar Cash Withdrawal | ✓ | ✓ | ✓ |
| BBPS — Bill Payments (all utilities) | ✓ | ✓ | ✓ |
| Mobile & DTH Recharge | ✓ | ✓ | ✓ |
| Indo-Nepal Remittance | ✓ | ✓ | ✓ |
| Insurance (Health & Motor) | ✓ | ✓ | ✓ |
| Travel — Flight & Train booking | ✓ | ✓ | ✓ |
| Travel — Bus booking | ✓ | ✓ | ✓ |
| Travel — Hotel booking | ✓ | ✓ | ✓ |
| Credit Card Bill Payment | ✓ | ✓ | ✓ |
| Loan Referral Earn ₹600–₹1,000 per loan originated | ✓ | ✓ | ✓ |
| Payment Gateway | — | ✓ | ✓ |
| Verification Services (PAN, Aadhaar, Bank, GST & more) | ✓ Bundled | ✓ Bundled | ✓ Bundled |
| Banking | |||
| Connected Banking *Conditions apply | ✓ | ✓ | ✓ |
| Daily settlement to your account | ✓ | ✓ | ✓ |
| Bulk / mass settlement | — | — | ✓ |
| Brand & identity | |||
| Custom logo, colors, domain | ✓ | ✓ | ✓ |
| Custom SMS sender ID | ✓ | ✓ | ✓ |
| White-labeled mobile app (APK) | — | ✓ | ✓ |
| White-labeled agreement templates | ✓ | ✓ | ✓ |
| Website building support | — | — | Subject to charges |
| Support | |||
| AI-enabled support (24×7) | ✓ | ✓ | ✓ |
| WhatsApp support | — | ✓ | ✓ |
| Priority support queue | — | — | ✓ |
| Additional integration support | — | — | Subject to charges |
| Government agencies & large institutions | |||
| Need a custom setup for a government scheme, NBFC, or social organisation? We offer tailored plans with custom onboarding, compliance support, and dedicated engineering. | |||
Questions people actually ask
You pay a one-time activation fee of ₹50,000 to get started. Your first full month on the live Eloka platform is completely free — real brand, real transaction processing, and real commissions on every transaction. Two limits apply during this period: maximum 10 retailers in your network, and a ₹1 Lakh daily GTV cap. These let you experience the full product without operating at full commercial scale. Your subscription begins from month 2.
Start earning with your brand — today.
One-time activation fee of ₹50,000. First month completely free. Subscription begins from month 2 via eNACH — cancel before your free month ends and pay no subscription.