BuyMeCart Financial Services Platform
Enterprise multi-portal architecture providing segregated governance of administrators, super distributors, area distributors, and retail merchant desks. Every session is authenticated and verified before dashboard entry.
Admin Master Portal
Centralized command console with root authority over SD creation, multi-bank routing, limits, and system audits.
Governance Scope:
- Create & oversee Super Distributors
- Configure roles, permissions & limits
- Merchant Management & 12-Pt KYC
- Payment engine, settlements & refunds
- 12 statutory reports (Ledger to UPI PA)
Super Distributor Portal
Regional network management console for onboarding ADs, managing regional float, and overseeing commissions.
Regional Authority:
- Onboard & verify Area Distributors
- Total allocated float pool (₹8,45,000)
- Clear distributor balance queries
- Regional volume & performance KPIs
- Commission settlements & ledger feed
Area Distributor Portal
Territory field operations desk for onboarding merchant storefronts, document collection, and kit handover.
Territory Scope (Zone-01):
- Onboard local retailers & merchants
- 12-Pt KYC collection & verification
- Welcome Kit & biometric device handover
- Local float allocation & balance top-ups
- Strict territory boundary enforcement
Retailer / Merchant
Authorized Point-of-Sale merchant terminal for AEPS cashout, DMT transfers, and BBPS utility bill payments.
Point-of-Sale Rails:
- AEPS Cash Withdrawal & Inquiry
- DMT Transfer (PPI / Fino Rail)
- BBPS Utility Bill Payments
- Note 1 Neutral Receipts (Zero Bank Logos)
- Tempered Margin Fee Retained Live
Source PDF Requirements Compliance Verification
Note 1: Neutral Receipt
Customer transaction slips strictly exclude third-party or banking sponsor logos, preserving pure whitelabel integrity.
Note 5: 1 ID Session Lock
Enforces single concurrent active session per ID across all 4 portals with immediate termination of older session tokens.
Page 3: Tempered Margins
Tiered pricing: ₹7 (₹101–1k), ₹9 (₹1k–2k), variable percentage for >₹2,000 without artificial ceiling caps.
Page 5: 12 Master Reports
Complete audit trails: Account Ledger, Wallet Ledger, Transactions, AEPS, DMT PPI/Fino, and PA UPI.