Cooperative Banks
Adarsh Mahila Mercantile Co-op Bank Ltd.
Muzaffarnagar, Uttar Pradesh
NPCI-Certified Product Stack
The complete NPCI payments stack, one integration
UPI, IMPS, AEPS, NFS, e-NACH and Bharat Connect — every major NPCI rail, certified and production-ready, on a single API-first platform.
8+ NPCI-certified rails · 7,000+ TPS
The challenge
Building the infrastructure behind modern banking
Digital banking is no longer about offering a single payment channel. Today’s financial institutions require an integrated ecosystem capable of managing banking operations, payment processing, merchant acceptance, compliance, fraud prevention, customer onboarding, reconciliation and intelligent decision-making through one unified platform.
LincPay brings these capabilities together through four enterprise platforms designed specifically for regulated financial institutions.
- Banking operations
- Payment processing
- Merchant acceptance
- Compliance
- Fraud prevention
- Customer onboarding
- Reconciliation
- Intelligent decisioning
Trusted by financial institutions
From cooperative banks to enterprises, organizations across every category run on LincPay's infrastructure.
Cooperative Banks
Bankura Town Co-operative Bank Ltd
Bankura, West Bengal
Cooperative Banks
Basoda Nagrik Sahakari Bank Ltd.
Ganj Basoda, Madhya Pradesh
Cooperative Banks
Bhadohi Urban Co-operative Bank Ltd
Bhadohi, Uttar Pradesh
Cooperative Banks
Bhind Nagrik Sahakari Bank
Bhind, Madhya Pradesh
Cooperative Banks
Delhi Nagrik Sehkari Bank Ltd
Delhi
Cooperative Banks
Devika Urban Cooperative Bank Ltd
Udhampur, Jammu & Kashmir
Cooperative Banks
Etah Urban Co-Operative Bank Ltd.
Etah, Uttar Pradesh
ET
Cooperative Banks
Etawah Urban Co-operative Bank Ltd.
Etawah, Uttar Pradesh
Cooperative Banks
Hissar Urban Co-operative Bank Ltd
Hisar, Haryana
Cooperative Banks
Indore Cloth Market Co-op. Bank
Indore, Madhya Pradesh
JB
Cooperative Banks
Jai Bhawani Bank
Pune, Maharashtra
Cooperative Banks
The Krishnagar City Co-operative Bank
Krishnagar, West Bengal
Cooperative Banks
Nagar Sahakari Bank Ltd. Etawah
Etawah, Uttar Pradesh
Cooperative Banks
Noida Commercial Co-operative Bank Ltd
Ghaziabad, Uttar Pradesh
Cooperative Banks
Paraspar Sahayak Co-op Bank
Indore, Madhya Pradesh
Cooperative Banks
Progressive Co-op. Bank Ltd
Mumbai, Maharashtra
Cooperative Banks
Raje Vikramsinh Ghatge Co-op Bank Ltd., Kagal
Kagal, Maharashtra
Cooperative Banks
Rameshwar Co-op Bank, Mumbai
Mumbai, Maharashtra
Cooperative Banks
Ranaghat People's Cooperative Bank Ltd
Ranaghat, West Bengal
Cooperative Banks
Rani Laxmi Bai Urban Co-Operative Bank Ltd.
Jhansi, Uttar Pradesh
Cooperative Banks
Sanawad Nagrik Sahakari Bank Maryadit
Sanawad, Madhya Pradesh
Cooperative Banks
Sehore Nagrik Bank
Sehore, Madhya Pradesh
Cooperative Banks
Shubh Lakshmi Mahila Co-op Bank Ltd
Indore, Madhya Pradesh
Cooperative Banks
The Bihar Awami Co-Operative Bank Ltd.
Patna, Bihar
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Cooperative Banks
The Citizen Co-Operative Bank Ltd
New Delhi
Cooperative Banks
The Keshav Sehkari Bank Ltd.
New Delhi
KU
Cooperative Banks
The Koylanchal Urban Co-operative Bank Ltd
Dhanbad, Jharkhand
MP
Cooperative Banks
The Moirang Primary Co-operative Bank Ltd
Bishnupur, Manipur
NA
Cooperative Banks
The New Agra Urban Co-Operative Bank Ltd.
Agra, Uttar Pradesh
RU
Cooperative Banks
The Radhasoami Urban Co-op Bank Ltd
Agra, Uttar Pradesh
Cooperative Banks
The Shimla Urban Cooperative Bank Ltd.
Shimla, Himachal Pradesh
Cooperative Banks
Transport Co-operative Bank Ltd
Indore, Madhya Pradesh
UN
Cooperative Banks
Ujjain Nagrik Sahakari Bank Mydt
Ujjain, Madhya Pradesh
Cooperative Banks
United Mercantile Co-operative Bank Ltd
Kanpur, Uttar Pradesh
Cooperative Banks
Urban Co-operative Bank Ltd, Budaun
Budaun, Uttar Pradesh
Cooperative Banks
Urban Cooperative Bank Ltd, Mainpuri
Mainpuri, Uttar Pradesh
Cooperative Banks
Vyaparik Audhyogik Sahakari Bank Ltd
Indore, Madhya Pradesh
Cooperative Banks
Vyavasayik Evam Audhyogik Sahakari Bank Ltd.
Morena, Madhya Pradesh
Cooperative Banks
510 Army Base W/S Credit Co-Op. Primary Bank Ltd.
Meerut Cantt, Uttar Pradesh
Commercial Banks
RBL Bank Ltd
Mumbai, Maharashtra
International
Sberbank
Russia · New Delhi
No clients in this category yet.
We're onboarding partners across this segment.
Our partners
Backed by the right networks and partners across government, international and private ecosystems.
Govt / PSU
NPCI
NPCI-certified across UPI, IMPS, AePS and more.
Govt / PSU
NBBL · Bharat Connect
Bharat Connect (BBPS) as Biller & Customer OU.
Govt / PSU
RailTel
Government rail payments & ticketing partner.
Private
Positronics
Private technology & device partner.
Not available yet.
We're expanding partnerships in this category.
Certified & compliant
Independently audited and certified across security, compliance and quality.
Compliance
PCI-DSS
PCI-DSS Level 1 compliant infrastructure.
Security
CERT-In
CERT-In-aligned cybersecurity practices.
Security
ISO 27001
Information security management system.
Quality
CMMI
CMMI-appraised delivery processes.
Built on secure technology
Hardened, secure and resilient technology foundations across the platform.
Security
VAPT
Vulnerability assessment & penetration testing.
Resilience
BCP
Business continuity & resilience assured.
Security
API Security
End-to-end API security & protection.
Infra
API Gateway
Hardened, managed API gateway.
The LincPay ecosystem
Four platforms. One integrated banking ecosystem.
Rather than isolated software products, LincPay delivers a connected ecosystem where banking, payments, compliance and intelligence work together through a unified architecture.
Flagship
CBSNexora
Intelligent Core Banking Platform
CBSNexora modernizes cooperative and commercial banking through integrated core banking, compliance automation, reconciliation, AI-driven banking intelligence, digital banking services and enterprise-grade security.
Ideal for
- Cooperative Banks
- Urban Cooperative Banks
- District Cooperative Banks
- Financial Institutions
XpressLinc
Digital Payments Platform
XpressLinc powers secure, real-time payment infrastructure for banks, fintechs, payment aggregators and enterprises — built to support millions of transactions while remaining compliant with NPCI guidelines.
ExploreLincShield
Compliance & Digital Identity Platform
LincShield enables financial institutions to automate customer onboarding, identity verification, regulatory compliance and continuous monitoring — simplifying compliance without compromising customer experience.
ExploreLincAI
AI Intelligence Platform
LincAI transforms banking and payment data into actionable intelligence, helping organizations make faster, smarter and more informed business decisions.
ExploreSolutions
Solutions designed for financial institutions
Every financial institution has unique operational and regulatory challenges. LincPay delivers purpose-built solutions that address these challenges while ensuring scalability, security and compliance.
Banking Solutions
Modern Core Banking, Digital Banking, Regulatory Automation, Lending, Deposits and Customer Services.
Learn moreDigital Payments
UPI, IMPS, BBPS, Card Switching, Merchant Acquiring, QR Payments and Settlement Infrastructure.
Learn moreMerchant Acceptance
Dynamic QR, SoftPOS, Sound Box, Merchant Onboarding, Payment Acceptance and Settlement Management.
Learn moreFinancial Inclusion
AEPS, Micro-ATM, Doorstep Banking, Rural Banking Services and Digital Financial Inclusion.
Learn moreCompliance & Risk
Digital Identity Verification, Regulatory Reporting, Fraud Monitoring, Risk Intelligence and Audit Readiness.
Learn moreAI & Automation
Artificial Intelligence, Banking Analytics, Fraud Intelligence, Predictive Insights and Executive Decision Support.
Learn moreIndustries
Industries we empower
Our solutions are built for organizations operating in highly regulated financial environments.
Cooperative Banks
Core banking & payments for urban and rural co-ops.
ExploreCommercial Banks
Scalable ISO switching, settlement and reconciliation.
ExploreSmall Finance Banks
AEPS, NACH and inclusive banking rails.
ExploreNBFCs
Lending, collections and mandate automation.
ExplorePayment Aggregators
PCI-DSS checkout, routing and settlements.
ExploreFinTech Companies
Embedded banking and card-issuance APIs.
ExploreGovernment & Public Sector
Direct-to-treasury collections and disbursals.
ExploreEnterprises
Escrow, payouts and multi-party reconciliation.
ExploreTechnology & Trust
Technology built for scale
Every LincPay platform is engineered using modern enterprise architecture principles to deliver resilience, performance and operational efficiency.
Enterprise architecture
A cloud-ready, microservices foundation — engineered for horizontal scale, high availability and zero-downtime delivery.
- API-First Design
- Microservices Architecture
- Cloud-Ready Deployment
- Active-Active Data Centres
- High Availability
- Horizontal Scalability
- Enterprise Monitoring
- Zero-Downtime Deployment
Security & compliance by design
Security is embedded throughout the LincPay ecosystem — from infrastructure and applications to transaction processing and operational monitoring.
- Multi-Layer Security
- End-to-End Encryption
- Transaction Monitoring
- Role-Based Access Control
- Comprehensive Audit Trails
- Fraud Detection
- Data Privacy Controls
- Disaster Recovery
Our solutions are aligned with industry and regulatory expectations for financial institutions, including NPCI standards, RBI guidelines, PCI-DSS requirements for applicable card products, and CERT-In-aligned cybersecurity practices.
Insights & resources
Stay informed
The latest in banking technology, digital payments, compliance, artificial intelligence and financial innovation.
- Banking Technology Insights Trends shaping modern banking.
- UPI & Digital Payments Across India's payment rails.
- Core Banking Modernizing the banking core.
- Regulatory Updates RBI, NPCI & compliance changes.
- Financial Inclusion Banking for the underserved.
- Merchant Payments Acceptance, QR & settlements.
- Whitepapers In-depth research & papers.
- Product Brochures Datasheets for every platform.
Why LincPay
More than software — a long-term technology partner
Financial institutions choose LincPay because they require more than software. They need a partner that combines deep banking domain knowledge with enterprise technology expertise.
- Integrated Banking & Payment ecosystem
- Purpose-built for Indian financial institutions
- Enterprise-grade architecture
- Modular & API-driven design
- Secure & compliant platforms
- AI-driven intelligence
- Faster time-to-market
- Lower operational complexity
- Scalable infrastructure
- Expert banking domain knowledge
Testimonials
Why financial institutions choose LincPay
Banks, cooperatives and NBFCs rely on LincPay to modernize operations, move money and stay compliant.
40+ institutions
onboarded
onboarded
“Modernizing our core with LincPay cut settlement delays dramatically. Our members noticed faster, more reliable service within weeks of go-live.”
“The NPCI-certified rails and no-code reconciliation gave our operations team a level of confidence and control we simply didn't have before.”
“From onboarding to production, LincPay worked as a technology partner, not a vendor — compliance and integration were handled end to end.”
“Digital KYC and CKYC sync removed weeks of manual effort from customer onboarding across every branch.”
“Real-time monitoring and fraud signals let our team act on risk before it ever became a loss.”
“Their reconciliation engine closes our books faster at every branch, with a clean, auditable trail.”
Let’s build the future of banking together
Ready to modernize your banking & payment infrastructure?
Whether you are launching a new payment platform, modernizing core banking, strengthening compliance or expanding merchant acceptance, LincPay provides the technology, expertise and infrastructure to move forward with confidence.
- NPCI-certified infrastructure
- Enterprise-grade security
- Dedicated implementation support