Cash Management Service

Cash Collection
& EMI Services —
Earn on Every Payment

Collect loan EMIs, insurance premiums, utility bills and more at your shop. Be the payment point for your entire community — earn commission on every single collection.

Register Now — Free Talk to Us
₹5–50Per Collection
50+Finance Partners
InstantReceipt & Credit
24/7Service Active
Cash Collection EMI Service
Loan EMI
All Banks & NBFCs
Instant Receipt
SMS + Print
100% Secure
RBI Compliant
What is Cash Collection Service
CMS Cash Mgmt
About CMS

What is Cash Collection Service?

Cash Collection Service (CMS) allows you to accept loan EMI payments, insurance premiums, utility bills and other dues on behalf of banks, NBFCs and finance companies — right from your shop counter.

Customers who need to pay their monthly EMI don't have to go to a branch. They pay you — in cash or digitally. You collect, submit via the PayBazaar app, and earn a commission instantly. Simple.

Loan EMI Collection
Home, Personal, Vehicle loans — all banks
Insurance Premium
LIC, SBI Life, HDFC Life & more
Utility Bill Collection
Electricity, water, gas, broadband
Education Fees
School, college, coaching fees
Collection Types

4 Types of Collections You Can Offer

Accept multiple types of dues from customers — become a one-stop payment point for your area.

Loan EMI
Banks & NBFCs

Collect monthly loan instalments for home loans, personal loans, vehicle loans and more.

  • Home Loan EMI
  • Personal Loan EMI
  • Vehicle / Two-Wheeler Loan
  • Gold Loan EMI
  • MSME / Business Loan
Earn per collection
Insurance Premium
Life & General

Accept insurance premium payments for life, health, vehicle and other insurance policies.

  • LIC Premium
  • SBI Life / HDFC Life
  • Health Insurance
  • Vehicle Insurance
  • Term & ULIP Plans
Earn per collection
Utility Bills
All Utilities

Pay electricity, water, gas and other utility bills for the whole neighbourhood at your shop.

  • Electricity Board Bills
  • Water & Sewerage
  • Piped Gas / PNG
  • Broadband / DTH
  • Municipal Tax
Earn per collection
Education & Others
Fees & Dues

Collect school fees, coaching dues, society maintenance, and other periodic payments.

  • School / College Fees
  • Coaching Institute Fees
  • Housing Society Dues
  • Club Membership Fees
  • Government Dues
Earn per collection
Our Partners

Collect For 50+ Partners

Accept payments for leading banks, NBFCs, insurance companies and utility providers.

SBI
SBI
Bank
HDFC
HDFC Bank
Bank
ICICI
ICICI Bank
Bank
LIC
LIC
Insurance
Bajaj
Bajaj Finance
NBFC
Axis
Axis Bank
Bank
Kotak
Kotak Bank
Bank
HDFC Li
HDFC Life
Insurance
Muthoot
Muthoot Fin.
NBFC
+40 more
40+ More
All Categories

New partners added regularly. Contact us to check if your customer's lender is supported.

Step by Step

How CMS Collection Works

1
Customer Arrives to Pay EMI / Bill

Customer comes to your shop needing to pay their loan EMI, insurance premium, or utility bill. They bring their loan account number or policy details.

Customer Visit
2
Search Customer on PayBazaar App

Open the PayBazaar app → go to CMS section → select the lender/company → enter customer's loan account or reference number. Details auto-fetch.

App Search
3
Collect Cash from Customer

Verify the EMI amount shown in the app. Collect exact cash from the customer. Cross-check before proceeding — amount must match.

Cash Collection
4
Submit Payment on App

Confirm payment on the PayBazaar app. Transaction is submitted to the lender/company in real-time. Customer's EMI is marked as paid.

Instant Submission
5
Receipt + Commission — Both Instant

Digital receipt is generated instantly — print or send via SMS/WhatsApp. Your commission is credited to your PayBazaar wallet on the spot.

Earn Instantly
How CMS Works
30s
Avg Transaction Time
100%
Digital Receipt
0 Risk
Secure Processing
EMI Collection Dashboard
Ramesh Kumar — Home Loan #HL23897
Active
3
EMI — March 2025
Due on 05 Mar 2025
Due Now ₹8,240
4
EMI — April 2025
Upcoming
Upcoming ₹8,240
₹16,480
Collected
₹8,240
Due Now
₹45
Your Earn
EMI Collection

Collect Loan EMIs Like a Pro

With PayBazaar's CMS, you can look up any customer's loan by their account number, view their EMI schedule, and collect the exact due amount — instantly updated in the bank's system.

Instant Customer Lookup
Search by loan account number, customer name, or mobile number — EMI details auto-populate in seconds.
Tamper-Proof Digital Receipt
Each collection generates a unique transaction ID, timestamp, and digital receipt — printable or shareable via SMS/WhatsApp.
Commission on Every EMI
Earn ₹5–₹50 per EMI collected depending on the loan type and partner. All credits go directly to your wallet.
Why PayBazaar CMS

Why Choose PayBazaar for CMS?

Instant Processing

Collections are submitted to partner systems in real-time — no batch processing, no delays. EMI is marked paid on the spot.

Simple App

Easy-to-use PayBazaar app — search customer, confirm amount, collect, done. No technical training needed. Even first-timers can use it.

100% Secure

Every transaction is encrypted, logged, and traceable. In case of any dispute, every collection has a unique receipt ID for proof.

24/7 Support

Our dedicated support team is available round-the-clock. Any issue with a collection is resolved within the hour — no merchant left hanging.

Common Questions

Cash Collection & EMI FAQs

PayBazaar supports 50+ banks, NBFCs, and finance companies including SBI, HDFC Bank, ICICI Bank, Axis Bank, Kotak, Bajaj Finance, Muthoot Finance, LIC, and many more. New partners are added regularly. Contact our support team to check if a specific lender is supported.

Commission ranges from ₹5 to ₹50 per collection depending on the collection type and partner. Home loan EMIs and insurance premiums typically earn more (₹20–₹50) compared to utility bills (₹5–₹15). All commissions are credited instantly to your PayBazaar wallet.

Unlike AEPS cash withdrawal, CMS does not require you to maintain a float. In EMI collection, you collect cash from the customer and deposit it digitally via the app — you are simply acting as a collection agent. The cash collected is submitted to the partner company, and your commission is separate. No upfront cash balance needed.

A digital receipt with a unique transaction ID, timestamp, amount, and lender details is generated instantly. You can print it using a connected printer, or share it via SMS/WhatsApp directly from the PayBazaar app. The receipt is legally valid proof of payment accepted by all partner institutions.

Always verify the exact due amount in the app before collecting cash from the customer. If a transaction fails mid-way, contact PayBazaar support immediately with the Transaction ID. Do not re-submit without confirmation. For wrongly collected amounts, the dispute resolution team will guide you through the reversal process — typically resolved within 24 hours.

CMS requires at least a basic 2G/3G data connection to submit collections to partner systems in real-time. The PayBazaar app is optimized for low-bandwidth environments common in rural areas. In case of connection failure during a transaction, the app will safely retry without double-charging the customer.

View All FAQs

Start Collecting EMIs & Bills Today

Register free on PayBazaar, get activated in 24 hours, and start earning on every collection from your shop.

Register Now — Free Talk to Our Team