About the customer

  • Launched in 2016, by Reliance Jio Infocomm Limited, a subsidiary of Reliance Industries Limited, Jio Money is a digital wallet and payment services company based in India. The company provides a wide range of financial services, including bill payments, mobile recharges, money transfers, and online shopping.
  • Jio Money allows users to link their digital wallets with their bank accounts and use them to pay for a variety of services and products. The company also offers exciting cashback rewards and special discounts to its users.  
  • The platform is accessible through a mobile app, and users can make transactions smoothly with the help of their mobile phones. Moreover, the company also offers a range of customer support services, including a 24/7 helpline and online chat support.  
  • Jio Money is a leading company in India’s rapidly growing digital payments industry, and it has become a popular choice among customers seeking fast, convenient, and secure payment options. 


Telecommunications, e-Wallet


Android, Spring APIS on Comviva Platform SDK, Adhar Integration, EMV Card Reader, Encryption/Decryption

Project Duration


Project Details

  • The client wanted to develop a secure payment gateway for businesses using smartphones. The solution needed to be user-friendly and conform to industry standards and regulations, such as the Payment Card Industry Data Security Standard (PCI DSS), to ensure the safety and security of transactions and sensitive customer data.  


  • According to a report by Statista, the global digital payment market size is expected to reach over $8 trillion by 2024, highlighting the growing importance of digital payment solutions.  
  • The use of smartphones as POS devices has become increasingly popular, with a study by Deloitte revealing that 60% of consumers have used their mobile devices to make payments in physical stores. 
  • Security concerns around mobile payments are a significant barrier to adoption, with a survey by PwC revealing that 85% of consumers are concerned about the security of mobile payments  
  • Developing a secure payment gateway for businesses using smartphones as POS devices required advanced technology and expertise in encryption and secure data transfer. 
  • The solution also needed to be user-friendly, with a simple interface that allowed merchants and customers to make and receive payments quickly and easily. 
  • The solution needed to comply with industry standards and regulations, such as the Payment Card Industry Data Security Standard (PCI DSS), to ensure the security of payment transactions and protect sensitive customer data. 

Our Approach

  • Jio Money Merchant App was developed as a solution to address the challenges faced by businesses. The app served as a secure gateway for payment interactions between customers and merchants.  
  • The app was developed to ensure easy payment interaction between the customer and the merchant. It provided a user-friendly interface that made it easy for merchants to accept payments and for customers to make payments. 
  • The Web Axn server was designed to automatically detect the capabilities of the end customer’s handset and ensure that the right content was served to the client. This feature ensured that the user experience was seamless across different devices. 
  • The transaction server was designed to decrypt the track 2 message/chip data and re-encrypt it using payment processor encryption. This ensured that the payment information was secure and protected from unauthorized access. 


  • The Jio Money Merchant App provided an easy payment method for merchants and customers. 
  • The app provided an EMV card reader that enabled merchants to accept payments from customers using chip-enabled credit and debit cards. This feature provided an additional layer of security for payment transactions. 
  • The app provided a mobile pay gateway that enabled customers to make payments using their mobile devices. This feature made it easy for customers to make payments on the go and without the need for cash or credit/debit cards. 
  • The Jio Money Merchant App provided an easy payment method for customers, which resulted in increased revenue for businesses. The app-enabled businesses to accept payments from customers using their smartphones, which made the payment process more convenient for customers.  
  • The app provided a seamless user experience, which resulted in improved customer satisfaction. The app was designed to be user-friendly and easy to use, which made the payment process more efficient and convenient for customers.