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Payment Point is an online payments platform launched by Kuhipaat in Assam, India. It focuses on business collections, BBPS bill payments, payment links, POS, and agent-assisted cash collection. The official website describes it as an “integrated payments platform in India,” but it also clearly discloses that the app went live in December 2019 and that operations were shut down on June 5, 2024 due to insufficient funding, with the company currently looking for investors. As such, it should not currently be considered a stable or reliably available payment service provider.
In terms of features, the platform covers debit/credit cards, net banking, UPI, BBPS, POS, payment links, and agent-based cash collection. For merchants, the main advantage is the ability to send payment links and collect payments without having a website. It can also consolidate payment records from different channels into a single page, reducing the burden of accounting reconciliation. The BBPS section emphasizes that billers can appear across multiple payment apps, bank net-banking channels, and similar platforms, and that it supports bill collection for categories such as education fees.
The official website does not provide specific transaction rates, setup fees, monthly fees, or settlement timelines. It only states that BBPS has lower transaction costs than payment gateways and POS, and that costs are lower for large-value transactions. It also says the payment gateway can offer a more favorable MDR, or allow merchants to pass transaction costs on to end customers through surcharges. Funds can be credited to any bank account in India, but the settlement period is not disclosed.
The compliance information mainly relates to BBPS: the system was conceptualized by the Reserve Bank of India (RBI) and driven by NPCI. The site does not display Payment Point’s own licenses, payment aggregator authorization, or direct NPCI/BBPS credentials. For risk control, it only mentions that mobile numbers and personal information are not shared, as well as login passwords, transaction passwords, and SMS/email alerts. It lacks details on KYC, AML, fraud monitoring, chargebacks, and refund mechanisms. On integration, it says payment gateways, BBPS, and POS can be set up quickly, but does not provide API, SDK, or webhook details.
Its strengths are its broad coverage of payment scenarios, making it especially relevant for local Indian schools, billers, small merchants, and businesses that need multi-channel collection and reconciliation. Its weaknesses are more significant: it has stopped operating, and transparency is limited around fees, settlement, licensing, and technical documentation, creating a high business continuity risk. Accessibility from China is unknown. If Chinese companies need acquiring services in India, they should first evaluate alternatives that are still operating and provide more complete documentation, such as Razorpay, Cashfree, PayU India, CCAvenue, or BillDesk.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on paymentpoint.in official site.
paymentpoint.in is an India Payments provider. TG4G tracks its product information, an overall rating of 5.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach paymentpoint.in directly.