Revolutionizing Rural Payments with Seamless UPI and Digital Access

GraamPay by Viyona Fintech is designed with rural India at its heart, offering seamless UPI payments and a wide range of digital financial solutions. More than just a payment app, GraamPay is a bridge that connects villages, merchants, and banks—making money transfers, bill payments, and financial services simple and accessible to everyone. By reducing cash dependency and creating trust in digital transactions, GraamPay strengthens local economies and promotes financial literacy. Built on security, speed, and inclusivity, the platform empowers communities with new opportunities for growth while enabling banks and merchants to reach underserved markets with confidence.

Why GraamPay?

  • Financial Inclusion: Extending UPI and digital services to villages.
  • Trusted Network: Delivered through trained Village Level Entrepreneurs (VLEs).
  • Secure & Compliant: NPCI and RBI aligned; PCI DSS-certified infrastructure; FIU-IND registered.
  • Everyday Empowerment: From payments to travel to savings—GraamPay covers it all.

The VLE Advantage

GraamPay’s Village Level Entrepreneur (VLE) network plays a pivotal role in extending digital finance to villages across India. Each VLE acts as a trusted local service point, enabling:
  • Assisted onboarding for new users.
  • Support for customers who are new to digital services.

The VLE Advantage

GraamPay’s Village Level Entrepreneur (VLE) network plays a pivotal role in extending digital finance to villages across India. Each VLE acts as a trusted local service point, enabling:
  • Assisted onboarding for new users.
  • Support for customers who are new to digital services.

GraamPay for Users

  • Pay instantly anywhere with UPI QR.
  • Access financial services without visiting a bank branch.
  • Earn rewards and cashback for everyday transactions.

GraamPay for Merchants

  • Accept UPI & QR payments seamlessly.
  • Receive direct settlements to bank accounts.
  • Use digital tools for reconciliation and working capital access.
UPI Payments
Instant, secure transfers using QR codes or UPI IDs.
Utility Bill Payments
Pay electricity, water, LPG, broadband, and more.
Travel & Bookings
Book buses, trains, hotels, and flights seamlessly.
Digital Gold
Buy and sell gold digitally with full transparency.
Wallet & KYC
Simple wallet top-up with UPI or card, secured with KYC.
Merchant Tools
Accept UPI/QR, track settlements, and access working capital.

What is GraamPay? 

GraamPay is the flagship digital payments and lifestyle app from Viyona Fintech, designed specifically for rural and semi-urban India. It enables UPI transactions, bill payments, domestic transfers, travel bookings, and financial products through an easy-to-use mobile app and a strong network of Village Level Entrepreneurs (VLEs).
Tailored Solutions for Every Business

Powering Payments Across Industries 

We understand that every industry has unique payment needs. Our suite of features is designed to streamline financial operations, no matter your field.
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Join the GraamPay Network 

  • PCI DSS v4.0 certified infrastructure.
  • NPCI-certified UPI integration.
  • FIU-IND registered Reporting Entity.
  • ISO 27001 & ISO 22301 aligned for information security and business continuity.
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OUR EXPERT'S ANSWER

Frequently Asked Questions 

What is GraamPay?
GraamPay is a digital payments and lifestyle app by Viyona Fintech, designed for rural and semi-urban India. It enables UPI payments, bill pay, travel bookings, domestic transfers, and assisted services through a strong VLE network.
How does GraamPay help rural communities?
GraamPay makes digital banking accessible in villages by providing UPI, utility payments, and wallet services. With the support of local VLEs, even non-tech-savvy users can transact securely and conveniently.
Is GraamPay safe to use?
Yes. GraamPay is fully NPCI and RBI compliant, operates on PCI DSS v4.0 certified infrastructure, and Viyona Fintech is an FIU-IND registered Reporting Entity. It also aligns with ISO 27001 and 22301 for information security and business continuity.
What services can I access on GraamPay?
Users can:
  • Transfer money instantly via UPI.
  • Pay utility bills like electricity, gas, and water.
  • Book travel tickets for bus, train, flights, and hotels.
  • Buy and sell digital gold.
  • Use wallet top-ups and secure transactions with KYC.
How do merchants benefit from GraamPay?
Merchants can accept UPI/QR payments, get direct settlements to their bank accounts, and access digital reconciliation tools and working capital support. This helps small businesses grow while reducing cash dependence.
What is the role of VLEs in GraamPay?
VLEs (Village Level Entrepreneurs) serve as local digital service points, providing assisted transactions for customers, helping with cash-in/cash-out, and ensuring trust in digital payments across villages in India.
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