JoshPay Empowering Financial Services for All

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1. P o w e r e d B y A T P S G l o b a l P v t L t d
JOSHPAY
July 2024

2. Our Mission
JOSHPAY powered by ATPS Global Pvt Ltd revolutionizes financial services for the
under-served population, offering safe and accessible solutions right at their doorstep.
Our mission is to provide simple, accurate, fast, and enhanced quality service,
transforming the way financial services are accessed.
With cutting-edge technology, JOSHPAY ensures seamless accessibility to financial
services for those historically excluded from traditional banking.
We believe everyone deserves easy access to empowering financial solutions,
regardless of background or economic status. JOSHPAY offers a wide range of
services including banking, money transfers, insurance, and investments.

3. About Us
JoshPay is a pioneering fintech company established in 2024. It specializes in
providing innovative banking and payment solutions to its customers. Led by
founder Prasanna Kumar Srirama, the company aims to revolutionize the financial
sector with cutting-edge technologies and a customer-centric approach. JoshPay
offers a comprehensive range of services, including secure money transfers,
seamless banking options, convenient payment solutions, and various financial
services. Services range from state-of-the-art POS terminals to digital money
transfers and Aadhaar Enabled Payment System. JoshPay also facilitates hassle-
free bank account openings and utility payments, such as mobile and DTH
recharge, loan repayments, and flight, hotel, and ticket bookings.

4. The objects pursued by JoshPay as per
Govt. Of India on its incorporation
- Established in July 2024 in Hyderabad, Telangana, India, under the Companies Act 2013.
- Operates as a bill payment gateway and service provider, adhering to all relevant laws and
regulations.
- Functions as a Bharat Bill Payment Operating Unit (BBPOU) under the Bharat Bill Payment
System (BBPS) guidelines.
- Provides secure and convenient bill payment services for utility bills, school fees, taxes, and
other authorized services.
- Develops and manages electronic and virtual payment systems, including e-wallets, mobile
wallets, cash cards, and payment gateway services.
- Facilitates seamless prepaid and postpaid transactions, both domestically and
internationally, using open, closed, and semi-closed payment instruments.
- Acts as a dealer, distributor, and representative for domestic and foreign entities in the
payment system services industry.

5. Our Operations
Our operations at JoshPay currently operate on a business-to-business (B2B) model, making
use of our user-friendly web-based interface and Android app available for download on the
Google Play Store. Our main objective is to provide reliable and secure fund transfer
services within India. Through our platform, we enable merchants in the payment sector to
offer a range of valuable services to their clients:
1.Securely transfer funds to any bank account in India using trusted banking methods like
IMPS and NEFT.
2.Conveniently withdraw money from a bank account using Aadhar number and Micro
ATM.
3.Allow customers to easily pay various utility bills, including electricity, water, LPG,
insurance premiums, loan repayments, credit card bills, FASTag fees, and municipal taxes.
We have partnered with over 250 providers to cover a wide range of services.
4.Accept customer payments through our efficient point-of-sale (POS) system and Aadhar
pay.
5.Enable customers to book accommodations, flights, buses, and taxis through our platform.

6. Our Products

7. Our Products

8. Domestic Money Transfer(DMT)
Domestic money transfer (DMT) is an innovative product that allows individuals to easily send money to any bank
account holder in India. By offering unique features, DMT has the potential to convert any retail store into a fully
functional banking facility. To initiate a fund transfer using DMT, retailers only need the beneficiary's bank details
and the sender's valid mobile number. This straightforward process ensures a seamless and hassle-free transaction for
both parties involved.
Advantages of DMT:
•Convenience
•Cost-effectiveness
•Instant transfers
•Accessibility

9. Aadhar Enabled Payment System
•Aadhaar Enabled Payment System (AEPS) is a convenient banking service that allows customers to use their
Aadhaar identification to access their Aadhaar-enabled bank accounts and perform essential banking transactions.
•By utilizing AEPS, customers can easily check their account balance and withdraw cash without the need to visit a
bank or ATM.
•The services offered through AEPS include cash withdrawal, balance inquiry, and mini statements, enabling
customers to manage their finances efficiently.

10. Bill Payment and Recharge (BBPS)
•BBPS serves as a convenient solution for paying all your recurring bills and recharges in one place. With its
integrated bill payment system, BBPS offers customers a seamless and accessible bill payment service.
•Customers have the flexibility to make payments to over 200+ providers, covering more than 30 services.
•BBPS ensures fast and secure transactions, providing instant confirmation of bill payments. Say goodbye to the
hassle of managing multiple payment platforms and choose BBPS for a simplified and efficient bill payment
experience.

11. Point Of Sale(POS)
The Point of Sale Terminal (POS terminal) is an electronic device utilized in retail settings to process payments
made with debit and credit cards. Its primary objective is to establish digital connections among consumers,
businesses, and governments, offering a seamless, swift, and secure transaction experience.
Key Features of the Product:
•Accepts all types of payment cards.
•QR code compatibility.
•Aadhar Pay functionality.
Benefits of POS Terminal Usage:
•Boosts sales revenue.
•Decreases cash management expenses.
•Provides daily management information and facilitates reconciliation

12. Micro ATM (M-ATM)
•M-ATM, also known as Micro-ATM, is a portable device that enables users to withdraw cash from their bank
accounts without the need to visit a traditional ATM.
•With M-ATM, users only have to visit an Authorized Agent and follow two simple steps to withdraw cash using
their ATM card.
•The cash is provided by the Authorized Agent's cash drawer and is reflected in the user’s JoshPay portal credit
balance.
•M-ATM not only offers cash withdrawal but also allows users to inquire about their account balances.
•This innovative device brings banking services to remote areas, promoting financial inclusion.
•M-ATM is cost-effective compared to traditional ATMs and can be easily set up anywhere.
•Its main purpose is to help rural populations access essential banking services.

13. JoshPay Sound Box
Introducing the JoshPay Sound Box, a convenient device that allows you to conveniently receive instant payment
confirmations through audio alerts. It is designed to seamlessly accept business payments via QR codes processed
through any UPI-enabled application. The Sound Box comes equipped with a portable speaker, which can be
programmed to provide high-quality audio alerts. This ensures that you never miss out on receiving updates about
successful payments, even during busy hours at your store.
Benefits of the JoshPay Sound Box:
•Cash Withdrawal
•High-Quality Speaker
•Merchant Notifications
•Real-Time Audio Alerts
•Accepts all UPI Apps

14. Mini Kiosk
Introducing the MINI KIOSK Machine, revolutionizing how you handle your cash transactions. With the rise of
Fintech and the increasing number of fraud cases, we have created a one-stop solution for the general public, making
cash deposits and withdrawals easier than ever before.
Here are the benefits of using our machine:
•Convenience at your fingertip
•No more waiting in long queues
•Enhanced security measures
•Accessibility for all
•Saves you time

15. PAN Card services
•Avail our comprehensive one-stop solution for Pan Card applications, ensuring prompt and precise processing.
•Experience effortless application procedures for new Pan Cards, tailored to meet the needs of both individuals and
businesses.
•We guarantee a streamlined documentation and processing system, enabling a hassle-free experience for obtaining
new Pan Cards.
•Additionally, our services extend to efficient correction and update facilities for existing Pan Cards, ensuring
accuracy and up-to-date information.
•Entrust us to eliminate any discrepancies in your Pan Card data, as we offer superior correction services that leave
no room for errors.

16. Our Partners

17. Our Team
Prasanna Kumar Srirama
CEO & Managing Director
Anusha Srirama
Director

18. Why Choose Us?
•Convenient payment solutions
•Save time and money securely
•Instant real-time transactions
•Easy monitoring of transactions
•Enhance business security and growth

19. Expected Volume Of Transactions
•Daily volume refers to the total number of transactions or
trades in a single day, providing insights into market activity
and potential price movements.
•Weekly volume measures transactions in a given week,
allowing traders to spot patterns and trends that may not be
visible on a daily basis.
•Monthly volume provides a comprehensive overview of
trading activity over a longer timeframe, helping to identify
opportunities or risks.
•Quarterly volume assesses a security, sector, or market's
performance over a three-month period and gives insights into
market sentiment.
•Half-yearly volume offers a broader perspective on market
activity, aiding in identifying long-term trends and patterns.
•Yearly volume evaluates a security or market's overall
performance over a one-year period, helping investors make
informed decisions.

20. Expected Value Of Transactions
•Daily value refers to the total money generated from
transactions or trades in a single day, providing insights into
market activity and potential price movements.
•Weekly value measures the money generated from transactions
in a given week, allowing traders to spot patterns and trends that
may not be visible on a daily basis.
•Monthly value provides a comprehensive overview of the
money generated from trading activity over a longer timeframe,
helping to identify opportunities or risks.
•Quarterly value assesses a security, sector, or market's
performance in terms of money generated over a three-month
period and gives insights into market sentiment.
•Half-yearly value offers a broader perspective on market
activity in terms of money generated, aiding in identifying long-
term trends and patterns.
•Yearly value evaluates a security or market's overall
performance in terms of money generated over a one-year
period, helping investors make informed decisions.
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Daily Weekly Monthly Quarterly Yearly
ESTIMATED TRANSACTION VALUE(INR)

21. CONTACT
https://atpsglobal.io/
[email protected]
[phone]
New Mark House, Hyderabad, Telangana

22. THANK
YOU