SabPaisa Company Profile

Background

Overview

SabPaisa, established in 2016 and headquartered in New Delhi, India, is a leading fintech company specializing in payment solutions. As an RBI-authorized Payment Aggregator, SabPaisa offers a unified payments platform that integrates both online and offline payment methods, catering to a diverse clientele across various sectors.

Mission and Vision

Mission: To provide the most inclusive, innovative, and secure payment system.

Vision: To be recognized as one of the top 10 innovative and inclusive payment system providers.

Industry Significance

SabPaisa has significantly contributed to the digital payment landscape in India by offering comprehensive solutions that bridge the gap between online and offline payment methods. Its innovative approach has positioned the company as a key player in the fintech sector, serving a wide range of clients, including government bodies, educational institutions, and businesses.

Key Strategic Focus

Core Objectives

Deliver secure and reliable payment solutions.

Enhance customer experience through innovative technologies.

Expand market reach by integrating diverse payment methods.

Areas of Specialization

Unified Payments Platform: Combines online and offline payment methods into a single system.

B2B Collections: Offers solutions for secure payments from partners, dealers, and agents.

Payouts: Facilitates seamless payments to partners, vendors, and customers.

Key Technologies Utilized

AI-First Approach: Employs artificial intelligence to accelerate product development and deployment.

PCI-DSS and ISO Certifications: Ensures high standards of security and compliance.

AWS Infrastructure: Utilizes Amazon Web Services for scalable and reliable operations.

Primary Markets Targeted

Government Institutions: Provides payment solutions for various government departments.

Educational Institutions: Offers fee collection and management services for schools and universities.

Businesses: Serves e-commerce platforms, retail businesses, and other enterprises.

Financials and Funding

Funding History

SabPaisa is a bootstrapped company, having achieved significant growth without external funding. Over the past two financial years, the company has reported a twofold increase in revenue and projects similar growth for the 2024-25 fiscal year.

Utilization of Capital

The company has strategically invested in technology infrastructure, product development, and market expansion to enhance its service offerings and operational efficiency.

Pipeline Development

Key Pipeline Candidates

SabPaisa has recently launched 14 enterprise-grade products simultaneously, showcasing its commitment to rapid innovation and development. These products span core payment infrastructure, operations and compliance tools, and merchant analytics platforms.

Anticipated Milestones

Product Deployment: Ongoing rollout of the newly launched products across various sectors.

Market Expansion: Targeting increased adoption among government and educational institutions.

Technological Platform and Innovation

Proprietary Technologies

Unified Payments Platform: Integrates multiple payment methods into a single system.

Payment Links: Offers a unified link-based payment method for easy collections.

Significant Scientific Methods

AI-First Development: Utilizes artificial intelligence in product development to enhance speed and efficiency.

Prototype-First Cycle: Adopts a development approach that moves directly from ideas to working prototypes using AI tools.

Leadership Team

Executive Profiles

Kumar Manish: Founder, MD & CEO. A former banker with nearly 24 years of experience at ICICI, Kotak Mahindra, and HDFC.

Pathikrit Dasgupta: Co-Founder & CBO. A business leader and strategist with close to 25 years in tech strategy and sales.

Abhimanyu Jha: Co-Founder & Strategy. An IIT and IIM alumnus with 19 years in startups, digital marketing, product development, automation, fintech, and edtech.

Amit Tyagi: CTO & Director. An IIT Roorkee alumnus with over 24 years in software product development.

Ajit Kumar: CGO. An XLRI Jamshedpur alumnus with over 28 years in driving profitable business growth.

Leadership Changes

As of December 2025, there have been no publicly disclosed significant changes or appointments within SabPaisa's leadership team.

Competitor Profile

Market Insights and Dynamics

The digital payment industry in India is experiencing rapid growth, driven by increased internet penetration, smartphone usage, and government initiatives promoting digital transactions. The market is characterized by a diverse range of players offering various payment solutions.

Competitor Analysis

Razorpay: Offers comprehensive payment gateway solutions with a focus on ease of integration and a wide range of payment methods.

Stripe: Provides global payment processing services with advanced developer tools and a focus on scalability.

Pine Labs: Specializes in point-of-sale (POS) solutions and merchant services, catering to a large network of retailers.

CCAvenue: Offers a multi-currency payment gateway with a focus on international transactions.

Strategic Collaborations and Partnerships

SabPaisa has established white-label partnerships with several public and private sector banks, including Bank of India (BOI), Bank of Baroda (BOB), IDFC First Bank, Canara Bank, and Indian Bank. These collaborations enhance its service offerings and expand its market reach.

Operational Insights

SabPaisa differentiates itself through its AI-first development approach, enabling rapid product deployment and innovation. Its unified payments platform, which integrates online and offline payment methods, provides a comprehensive solution that appeals to a broad spectrum of businesses and institutions.

Strategic Opportunities and Future Directions

SabPaisa aims to leverage its AI-driven development process to continue expanding its product suite and market presence. Future opportunities include enhancing its offerings for government and educational institutions and exploring international markets to further diversify its revenue streams.