Earn additional income, daily
Operators attract more visitors and earn on every ATM transaction, cash deposit, bill payment, recharge and balance enquiry.
Smart Mini ATM & Digital Banking
Turn your space
into a bank.
GEMS Pay builds Make-in-India Smart Mini ATM kiosks for retail counters, bank branches, corporate campuses and co-operative societies — cash withdrawal, all-bank cash deposit, bill payments and recharges, with earnings on every transaction.
- Cash deposit
- All banks
- Withdrawal
- ATM · AEPS · UPI
- Uptime
- 24 / 7
8
field-serviceable
modules
modules
- Cash WithdrawalATM / AEPS / UPI
- Cash DepositAll Banks / UPI
- Bills & RechargesElectricity, utilities & more
- Secure & Reliable24/7 ATM services
A banking service point, inside your space.
GEMS Pay is a next-generation Smart Mini ATM and digital financial services platform designed to turn any space — a retail counter, a bank branch, a corporate campus or a co-operative society — into a complete banking service point, building trust, increasing footfall, and opening a new revenue stream through integrated digital advertising.
Everyday banking, next door
Cash withdrawal (ATM, AEPS & UPI), all-bank cash deposit, bill payments, mobile recharges, balance enquiry and mini statements.
Continuously upgraded
The platform keeps adding capability — including UPI-based transactions — so your kiosk serves more customers over time, not fewer.
Banks Branches & lobbies
Corporates Campuses & parks
Co-operatives Societies & credit unions
Retail Counters, stores & malls
Built from modules, not mysteries.
Every GEMS Pay kiosk is assembled from discrete, field-serviceable modules. If one part needs attention, it is swapped — the machine keeps earning.
- 01Touch Screen DisplayBright, wide-format touch panel with a guided, icon-led menu.
- 02Top Console ModuleEncrypting PIN pad, thumb (fingerprint) reader and receipt slot.
- 03Card ReaderDip reader for debit and credit card transactions.
- 04Cash Acceptor ModuleNote acceptor for deposits — validates and stacks cash.
- 05Front ModuleThe cash dispenser and collection tray.
- 06Main CabinetLocked steel enclosure housing the cash and electronics.
- 07Light Box PanelsBack-lit branding panels — yours, or a sponsor's.
- 08Base FrameLevelled steel frame for a stable, floor-standing install.
Features & benefits.
Security and inclusivity, engineered in from the start.
India's best Smart Mini ATM
A pioneering solution redefining the banking experience — secure, efficient transactions powered by QR-code technology.
Aadhaar finger access
Groundbreaking security integrating Aadhaar with fingerprint authentication, for the utmost protection of every user.
Debit & credit card transactions
Seamlessly process card transactions, giving customers a wide range of options for all their banking needs.
Senior citizen pension adds
Hassle-free addition of pension funds for senior citizens — prioritising genuine financial inclusivity.
All banks
Cash deposit, two ways.
Our ATM offers an all-bank cash deposit facility with two convenient options.
Option A
AEPS Cash Deposit
Deposit cash easily through the Aadhaar Enabled Payment System — no card, no chequebook.
Option B
DMT Cash Deposit
Deposit cash using the Domestic Money Transfer facility, to any bank account.
Bills, recharges & tickets.
Every service below runs on the same kiosk — and every one of them is a reason for a customer to walk in.
Electricity Bills
Water Bills
Network Bill
Credit Card Bill
Tax Payment
Mobile Recharge
DTH Bill
Wallet Recharge
Bus Tickets
Train Tickets
Flight Tickets
More coming
Bus, train and flight tickets across all major operators. Additional features are set to be introduced in the future.
Two models. One platform.
Start with Advance, or go straight to the full Premium capability set.
Model 1
Advance
The essential Smart Mini ATM — everything needed to turn a space into a banking service point.
- Cash withdrawal — ATM / AEPS / UPI
- Cash deposit — all banks / UPI
- Bills, recharges & balance enquiry
- Aadhaar finger access
Model 2 · Most popular
Premium
The full flagship: every Advance capability plus cards, pension and ticketing. Shown here in a client's custom livery.
- Everything in Advance
- Debit & credit card transactions
- Senior citizen pension adds
- Bus · train · flight ticketing
06
Your brand, on the machine.
The back-lit light box panels and the on-screen theme are yours. Banks, co-operative societies, credit unions, corporate campuses and retail chains run GEMS Pay hardware in their own colours and their own language — powered by GEMS Pay India, badged as you.
- Custom cabinet colour & livery
- Regional-language on-screen menus
- Back-lit branding panels on all sides
In the field.
Live units on site — assembled, branded and commissioned at our Bengaluru facility.
View videos.
Product demonstrations, installation guides and field usage videos.
Questions, answered.
What exactly is GEMS Pay?
GEMS Pay is a Smart Mini ATM and digital financial services platform. We manufacture the kiosk and run the software that turns any space into a complete banking service point.
Is it only for retail shops?
No. The same kiosk is deployed in bank branches and lobbies, corporate campuses and business parks, co-operative societies and credit unions, and retail counters — anywhere a self-service banking point makes sense. Corporate and institutional deployments can be run as fleets under one branded livery.
What can my customers do at the kiosk?
Cash withdrawal (ATM / AEPS / UPI), all-bank cash deposit, bill payments, mobile and DTH recharges, wallet top-ups, tax payments, balance enquiry, mini statements, and bus / train / flight ticketing.
How is it secured?
Aadhaar plus fingerprint authentication, an encrypting PIN pad, QR-code transaction technology, and a locked steel cabinet for cash and electronics.
How does the operator earn?
You earn on every ATM transaction, cash deposit, bill payment and recharge processed at your kiosk — plus a share of revenue from the integrated digital advertising on the display.
Can I put my own brand on it?
Yes. Cabinet colour, back-lit light box panels and on-screen language can all be customised — see Your brand, on the machine.
What happens if something breaks?
The kiosk is built from eight discrete modules. Faulty modules are swapped on site rather than sending the whole machine away, so downtime stays short.
Turn your space into a bank.
Earn daily · Empower your community
09
Talk to us.
Tell us where the kiosk would go and we will call you back with the right model and the numbers.
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GEMS Pay India Pvt LtdNo.136, 2nd Floor, SLY Arcade, 1st Block,
Dr. Rajkumar Road, Bengaluru – 560010, Karnataka
Bengaluru Head office
Pune Branch
Goa Branch