Merchants get committed customers
Customers commit spend at your store in advance. You apply the discount on your own invoice and are paid through your payment aggregator on each bill.
PILOT LAUNCH · Q4 2026
Commit spend. Save on every bill.
Mebanka lets customers reserve spend at partner merchants using UPI Reserve Pay. The money stays in the customer's own bank account until they buy, and the merchant applies a discount on every bill.
Merchants, banks and partners: request a briefing.
ONE PLATFORM. THREE SIDES.
Your bank. Your money. Merchant-funded savings.
Customers keep their money
Only the discounted amount is reserved in the customer's own account. Nothing is debited until they buy, and they can revoke at any time.
Technology, not a bank
Mebanka never holds, pools or escrows money. Payments run between the customer's bank and the merchant through regulated payment partners.
How it works
Three simple steps.
Commit
Choose a partner merchant and approve a UPI Reserve Pay block in your own bank account with your UPI PIN.
Shop
Show a one-time code at the counter. The merchant applies the discount on the bill and you confirm in the app.
Save
Only the discounted amount is debited. Any unused amount is released when you revoke or the block expires.
Controls, not claims
Compliance by design. Not later.
Money stays in your bank
Reserve Pay blocks sit in the customer's own account. Mebanka holds no customer or merchant funds.
No Aadhaar stored
Where KYC is needed, it is done by the regulated bank or partner. Mebanka stores status only.
Full audit trail on every sale
Each action is timestamped and device-bound. Data stays in India.
Optional: credit from partner banks (coming soon)
Customers who need funds may apply for a UPI credit line directly from an RBI-regulated partner bank. The bank makes the credit decision, shares all terms upfront, and disburses to the customer. Mebanka acts only as a lending service provider. Partner banks will be listed on our Grievance Redressal page at launch.
FAQ
Questions? We’ve got answers.
Mebanka is a technology platform. Customers reserve spend at partner merchants using UPI Reserve Pay in their own bank account. Merchants apply a discount on each bill. Banking, payments and credit are provided by regulated partners.
WHO WE WORK WITH
Built for every partner in the transaction.
Led by operators with 18+ years in fintech and payments infrastructure. Here's what each partner gets.
Merchants
Retail
Committed repeat demand. Discount applied on your own invoice. Integrates with your billing system.
Banks
Issuer, payment and credit-line partners
UPI Reserve Pay volumes, customer sourcing for UPI credit lines as a lending service provider, and API-driven operations with full audit trails.
Credit partners
RBI-regulated banks
Customers sourced with consent. The bank owns the credit decision, KYC, terms and recovery. Credit goes to the customer's own account or UPI credit line.
Regulators
Supervisory engagement
We welcome supervisory review. Timestamped audit trails for every transaction, available on request.
Q4 2026