Pay10’s new Customer App uses bank-grade encryption, the company says.
It also offers 24/7 human customer support alongside an AI-powered grievance system.
The app launched on the Google Play Store on September 23, 2026.
It supports UPI payments, a prepaid wallet and instant bank transfers.
It is powered by NPCI infrastructure.
The company says the platform uses bank-grade encryption to support secure payments.
Pay10 has designed the app around a tiered KYC framework, letting users start with limited KYC and upgrade for higher transaction limits.
Customer support is available through 24/7 human assistance, alongside an AI-powered grievance system.
UPI has become the dominant digital payments rail in India, used for both everyday retail transactions and large-scale transfers.
New UPI-based apps continue to enter the Indian market as digital payments adoption grows.
NPCI is the umbrella organisation that operates UPI and other retail payment systems in India.
India’s digital payments ecosystem has expanded rapidly over the past decade, driven largely by UPI adoption.
KYC, or Know Your Customer, verification is a standard regulatory requirement for financial and payments apps in India.
Wallet-based payment apps typically operate alongside UPI rather than replacing it, offering additional features like instant peer transfers.
The Reserve Bank of India regulates digital payment providers and prepaid payment instrument issuers in the country.
Pay10 launched its Customer App on the Google Play Store on September 23, 2026.
The company said an Apple App Store version will follow.
The app is built on infrastructure powered by the National Payments Corporation of India (NPCI).
It supports both peer-to-peer and peer-to-merchant UPI payments.
Users can make payments through QR codes or UPI IDs.
The app also allows users to add funds to a prepaid wallet through UPI.
It enables real-time bank transfers to a user’s own or other bank accounts.
Within the Pay10 ecosystem, users can make instant, zero-fee wallet-to-wallet transfers using a mobile number or QR code.
Smartphone apps (representative image), Wikimedia Commons, CC BY-SA 4.0
