Your customers
- Villagers and small-town households
- Pensioners and DBT, PM-KISAN and MGNREGA beneficiaries
- Migrant workers sending money home
- Women SHG members
- The bank (pays commission)
Finance, insurance and kiosks · Shops and showrooms
MatruOS for a money transfer, AEPS & recharge shop
Set up the way a money transfer, AEPS & recharge shop runs: per-transaction commission from the bank or corporate BC (deposits, withdrawals, AEPS, remittances); fixed fees per account opened and per scheme enrolment; fintech AEPS, money transfer and bill payment commissions on the side. Routines, workflows, registers, licences and an AI team that knows the work are ready when you sign up.
Ready when you sign up
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What this solves
What a money transfer, AEPS & recharge shop deals with today, and what MatruOS sets up for it
Today
Cash runs out by noon on DBT and pension days and customers are turned away. Cash and e-balance do not match at night.
In MatruOS
MatruOS sets up 8 routines, 2 workflows, 4 registers and 5 licences for a money transfer, AEPS & recharge shop, with an AI team that reads your own records and prepares the work.
What changes
The right person is reminded at the right time, approvals wait for whoever decides, and every licence has a renewal reminder. Anything that sends, pays, signs, files or deletes waits for a person's approval.
Where you sit
MatruOS starts from how your business earns
Who you sell to, who you buy from, how credit moves and where you sit in the chain decide how your screens, reminders and reports are set up.
- Bank
- corporate BC
- BC agent (CSP)
- customer; also NPCI AEPS for other banks' customers
Your suppliers
- Bank or corporate BC (account, float, device, training)
- Fintech AEPS and DMT platforms
- Biometric device vendor
- Internet provider
Credit and cash
Agent keeps own e-float in the bank account; commission paid monthly after the month closes, often 30-45 days late; corporate BC deducts its share and TDS
Float swings daily between cash and e-balance; DBT and pension days drain cash; agent visits the branch 1-3 times a week to rebalance
Your screens use your words
OrderTransactionItemServiceInvoiceTransaction slipproductServiceSupplierBank
How it works
How MatruOS is set up for a money transfer, AEPS & recharge shop
Set-up takes a few minutes. After that, you change only what is different in your business.
- Describe the business in one lineFor example "Money transfer, AEPS & recharge shop", typed when you sign up.
- Recognised as a money transfer, AEPS & recharge shopRoutines, workflows, registers, items, licences and the AI team for this trade are set up for you.
- Bring your dataCustomers, items and balances come across from Zoho Books, Vyapar, Excel and others. For Tally, our team helps you move the data while Tally import is checked on the live app.
- Approve and runThe AI team prepares the routine work. A person approves anything that sends, pays, signs, files or deletes.
Your AI team
What the AI team does for a money transfer, AEPS & recharge shop
Each job goes to a member of your AI team. It reads your own records and prepares the work. Anything that sends, pays, signs, files or deletes waits for a person's approval.
Forecasts today's cash need from past days and the benefit calendar and suggests how much cash to draw before opening
Works it out and shows you
Computes expected cash and e-float, flags the difference and lists failed or pending transactions
Works it out and shows you
Works out expected commission by service and matches it with the statement, drafting a query for short payment
Asks you before sending
Lists customers enrolled in PMJJBY and PMSBY and drafts reminders to keep balance before the 31 May auto-debit
Asks you before sending
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How you run
Your routines, already on a timetable
Each routine has a time, a person and its steps with the checks that matter. MatruOS reminds the right person and keeps the record. Open one to see its steps.
Every day
9:00 amMorning float check
- 1Count cash in the drawer and note e-float balance
- 2Check today against the DBT and pension calendar
- 3If a heavy day, draw cash from the branch before opening
12:30 pmFailed transaction follow-up
- 1Check pending complaints for auto-reversal (NPCI turnaround time T+5 days)
- 2Tell the customer the status by SMS or call
6:30 pmDay-end cash against e-balance
- 1Total withdrawals and deposits in the transaction log
- 2Expected cash = opening cash + deposits - withdrawals; count and compare
- 3List failed or pending transactions for follow-up
Every week
Mon, ThuBranch visit to rebalance float
- 1Deposit surplus cash or draw cash against e-float
- 2Collect account kits and forms from the branch
Every month
15thMonthly commission check
- 1Download the commission statement from the bank or corporate BC
- 2Match with the transaction log and scheme enrolments
- 3Raise a query for short payment
Every year
MayInsurance scheme renewal drive (PMJJBY and PMSBY)
- 1Remind enrolled customers to keep balance for the 31 May auto-debit
- 2Enrol new customers before the cover year starts 1 June
JanIIBF certificate and device re-verification check
- 1Check IIBF certificate, police verification and device RD service validity
- 2Complete any bank re-KYC of the agent
Workflows
Each stage goes to the person who handles it
Work passes stage by stage to the right person. Stages marked for approval wait for the person who decides.
AEPS cash withdrawal
- 1Customer gives Aadhaar and bank name
- 2Fingerprint authentication on device
- 3Bank authorises and e-float creditedNeeds approval
- 4Cash counted out and slip given
Debited but cash not paid complaint
- 1Complaint logged with RRN
- 2Raised with corporate BC or bank
- 3Reversal confirmedNeeds approval
- 4Customer informed
Registers and SOPs
Your registers and standards
Registers hold the fields this trade records. SOPs carry the steps and checks, so work is done the same way every time.
Transaction log
Float and cash book
Commission received
Failed transaction complaints
Cash and float handling
Never run out of cash on a busy day and never lose cash
Failed and disputed transactions
Every customer whose account was debited gets money or a clear answer
Items and licences
Your first bill is right, and no licence lapses
Starter items arrive with unit, HSN and GST rate. The registrations this business usually needs are listed with a reminder before each one expires.
| Item | HSN | GST |
|---|---|---|
| AEPS cash withdrawal commission (per transaction) | 997119 | 18% |
| Cash deposit commission (per transaction) | 997119 | 18% |
| Savings account opening fee | 997119 | 18% |
| PMJJBY enrolment fee | 997119 | 18% |
| PMSBY enrolment fee | 997119 | 18% |
| Atal Pension Yojana enrolment fee | 997119 | 18% |
| Domestic money transfer commission (₹5,000 transfer) | 997119 | 18% |
| Mini statement and balance enquiry fee | 997119 | 18% |
| Bill payment and recharge commission | 997119 | 18% |
- Other licence or contract
- Shops and Establishments registration
- PAN
- Udyam (MSME) registrationIf it applies
- GST registrationIf it applies
Your people
The people who run it, each with their own login
Each person sees the screens and reminders for the work they do.
BC agentRuns transactions on the biometric device, manages cash and e-float, opens accounts and enrols schemes, raises complaints, visits the branch.
HelperManages the queue, fills forms, counts and checks notes, prints receipts.
Not covered yet
- Sending messages, bills and reminders on WhatsApp from MatruOS is not live yet. Today they go by link, QR code or email, and from your own phone in one tap.
- Live bank and UPI feeds are not connected yet. Upload a bank statement and MatruOS reads it into payments for you to confirm.
Questions people ask
How long does it take to set up MatruOS for a money transfer, AEPS & recharge shop?
Type one line about your business when you sign up, for example "Money transfer, AEPS & recharge shop". MatruOS picks this business type and sets up everything on this page in a few minutes. You then get a 7-day free trial, no card needed.
Do I have to type all of this in?
No. The routines, workflows, registers, items, licences and AI team on this page arrive already set up. You change what is different in your business, and bring your customers, items and balances from Zoho Books, Vyapar, Excel and others, with our team's help for Tally data.
Can I change the routines and workflows?
Yes. Every routine, workflow, register and SOP is yours to rename, retime, switch off or add to. MatruOS keeps the rest of the system in step with your changes.
What does the AI team do without asking me?
It runs routine checks and prepares drafts. Anything that sends, pays, signs, files or deletes waits for a person's approval. The one exception you can choose is payment reminders, which go out on their own once you have checked them and switched them on.
Finance, insurance and kiosks
Other shops and showrooms in finance, insurance and kiosks
Run a money transfer, AEPS & recharge shop on one system Set up for your trade when you sign up.
Describe your business once. MatruOS sets up your apps, brings in your data and puts Muni and the AI team to work, with your approval on every step that matters. 7-day free trial, no card needed.
See plans and what each includes