UPI-native IoT PayGo platform for rural solar
Rebuilding a 2018-era SMS-token PayGo system into a UPI-native, IoT-driven Product-as-a-Service platform.
The client's legacy SMS-code PayGo platform predates India's UPI rails. It couldn't scale to power modern rural solar financing, and the moat sat in fragile device tokens rather than in data and credit.
Modernise the device, connectivity, payments, and middleware so pay-per-use solar can scale across unreliable rural networks and support a service business beyond hardware tokens.
The solution, layer by layer.
Low-cost certified device modules
NB-IoT/GSM modules, OTA firmware, and OEM SDKs form a six-layer architecture for unattended rural deployment.
MQTT-first connectivity ladder
Meters use MQTT where the network allows and retain an SMS keypad-token fallback for dead zones.
UPI Autopay collections
UPI Autopay mandates handle recurring pay-per-time collections, with WhatsApp confirmations after each payment.
Unified middleware hub
The hub gives Paygee, Angaza, and the legacy KPay integration a shared data and API layer for credit and payment operations.
Figures are recorded outcomes or project targets. The status label identifies reference architectures and proposals.
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