The bridge between Bharat's counters and formal finance
ShahWorks was born in New Delhi in 2026 with one job: give every Indian retailer the payment infrastructure a metro enterprise takes for granted.
Who we are
A payments company that thinks like a shopkeeper
India's digital payments story is extraordinary — but at millions of counters it still arrives second-hand: slow settlements, opaque commissions and support lines that never pick up. ShahWorks exists to close that gap.
From our home in New Delhi, we build one platform where a retailer can run AePS banking, money transfer, UPI collections, bill payments, recharges and travel — with instant settlement to one wallet and a human on the phone 24×7.
We're young by design. Being incorporated in 2026 means no legacy systems, no legacy thinking — just modern rails built for the way Bharat actually transacts.
Company facts
Legal entity
Shah Works Pvt. Ltd.
CIN
U82910DL2026PTC000000
Incorporated
2026, New Delhi
Tagline
Smart Payments. Trusted Solutions.
New Delhi-110078
Our mission
Put formal banking and digital services within arm's reach of every Indian — last-mile, first-class, in the language they speak — by turning neighbourhood shops into trusted financial access points.
Our vision
Become India's most trusted payment bridge — the network a retailer in any of 10,000+ pin codes points to and says, "my money moves through ShahWorks, and it's never let me down."
From an idea to a national bridge
A short history — because we're just getting started.
2025
The idea
Months of groundwork across India's kirana counters and CSP outlets make the brief painfully clear: Bharat needs one trusted, fair, instant payment bridge.
Q1 2026
Incorporation
SHAH WORKS PRIVATE LIMITED is incorporated in New Delhi (CIN U82910DL2026PTC000000).
Q2 2026
Platform build
The ShahWorks stack takes shape — wallet ledger, commission engine, KYC pipeline and partner-bank integrations, engineered in New Delhi.
Q2 2026
First go-live
AePS, DMT and BBPS go live for our first pilot retailers across Delhi, Noida and Gurugram.
Q3 2026
Payments stack
Payment Gateway, POS terminals and dynamic QR collections roll out. The distributor programme opens nationally.
Today
Growing the bridge
Building an India-wide distributor network from New Delhi — 28 states, 8 UTs, 9 languages, one mission.
Four values, zero fine print
Merchant first
The retailer serving a whole neighbourhood is our real customer. Every fee, flow and feature is judged from their side of the counter.
Settle instantly
Money that moves slowly is money that can't work. T+0 for AePS and wallet withdrawals, T+1 for gateway volumes — no exceptions, no excuses.
Transparent to a fault
Published commission slabs, zero hidden fees, downloadable ledgers. If we can't explain a charge in one sentence, we don't levy it.
Compliance is a feature
RBI, NPCI and UIDAI frameworks aren't hurdles — they're the reason merchants can trust the bridge. We build inside the guardrails, always.
Our reach
Built in New Delhi, built for all of India
The distributor programme is live nationally — wherever there's a counter and a connection, the bridge reaches.
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States covered
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Union territories
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Live services
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Languages supported
How we operate
Principles that survive contact with reality
Anyone can frame values on a wall. These are the four we actually use to make decisions, every week.
Start at the counter
Product ideas begin with a visit to a real shop, not a whiteboard. If a first-time smartphone user can't finish the flow, we redesign it.
Trust is engineered
AES-256 encryption, tokenised PII, 2FA on every login and an annual CERT-In empanelled VAPT — security is a build step, not an audit scramble.
Partners over volume
We'd rather onboard one distributor who grows for years than ten who churn in a quarter. Slab-wise commissions reward loyalty, not just size.
Speak Bharat's languages
Nine Indian languages across the app and support desk, because financial confidence starts with understanding every word on the screen.
Boring on purpose, where it matters
Regulated rails only
Every transaction runs on RBI-licensed sponsor banks and NPCI-certified switches.
Data stays in India
PII is encrypted, tokenised and stored in Indian data centres, aligned to the DPDP Act 2023.
Audited continuously
ISO 27001-aligned ISMS, PCI-DSS scope for card data and an annual external VAPT.