Software Development 03 Jan 2026

How to Start Your Own Recharge Software Brand with Full Control (Web & APK)

How to Start Your Own Recharge Software Brand with Full Control (Web & APK)

Starting your own branded recharge software is one of the fastest ways to build a scalable digital business in India. With full control over branding, pricing, users, and wallet management, you can create a long-term income source by offering mobile recharge, DTH recharge, and payment collection services.

In this blog, we explain the complete setup, costs, APIs, features, and recharge margins required to launch your own recharge platform.

What Is Own Brand Recharge Software?

Own brand recharge software means:

  • Your own website & Android APK
  • Your own brand name & logo
  • Virtual wallet system for users/agents
  • Full admin control (users, commission, reports)
  • API-based recharge & payment services

You are not dependent on any third-party white-label brand name. Everything runs under your control.

One-Time Setup Cost

To start your own recharge software, the approximate one-time setup fee is:

₹5,000 to ₹10,000 (Approx.)

This includes:

  • Admin panel setup
  • Web portal development
  • Android APK branding
  • Virtual wallet integration
  • Basic API integrations
  • Initial configuration & testing

Monthly Running Costs (Estimated)

Here is a transparent breakdown of monthly operational costs:

1. Server Cost

₹500 / month

  • Cloud or VPS hosting
  • Stable performance for web & APK

2. SmartUPIQR Payment Collection API

₹500 / month

  • Collect payments via Dynamic QR
  • UPI payment tracking
  • No payment gateway dependency

Disclaimer: SmartUPIQR provides only Dynamic QR & payment collection API. It does not provide UPI ID or merchant account.

3. WhatsApp Message API (OTP & User Registration)

₹199 / month

  • Send OTP for login & signup
  • User registration notifications
  • Faster delivery than SMS

4. Email API

Free of cost (basic setup)

  • System emails (login alerts, reports, etc.)

5. Additional API Plan (Hit Based)

₹100 / year

  • 20,000 API requests per year
  • Suitable for startups & medium usage

API cost may increase if higher request limits are required.

Recharge Services You Can Offer

With recharge APIs integrated, you can provide:

  • Mobile Recharge (Prepaid)
  • DTH Recharge
  • Wallet-to-Recharge System
  • Agent & Distributor Network

Recharge Margin (Commission Structure)

Below are approximate recharge margins (subject to operator changes):

Mobile Recharge Commission

  • Jio: 0.5%
  • VI: 3.6%
  • Airtel: 2.5%
  • BSNL: 4.5%

DTH Recharge Commission

  • Airtel DTH: 4%
  • Dish TV: 3.8%
  • Sun Direct: 3.5%
  • Tata Play: 3.5%
  • Videocon D2H: 3.8%

Note: Commission can change anytime as per operator updates. Final margin depends on API provider and operator policies.

Key Features You Get

Admin Panel

  • Full control over users & agents
  • Set custom commission slabs
  • Wallet credit/debit management
  • Live transaction reports

Virtual Wallet System

  • User wallet balance
  • Secure wallet deduction per recharge
  • Admin-controlled fund flow

Web + Android APK

  • Responsive web portal
  • Branded Android application
  • Easy user onboarding

Security & Automation

  • OTP-based login
  • WhatsApp notification support
  • API-based automation

Why Start Your Own Recharge Brand?

  • Low investment, recurring income
  • Full branding & ownership
  • Scalable agent network
  • Works 24×7 automatically
  • Ideal for Digital Seva, CSP & fintech startups

Launching your own brand recharge software with full control is a smart move if you want to grow a long-term digital business. With minimal setup cost, low monthly expenses, and attractive recharge margins, this model is suitable for both beginners and existing digital entrepreneurs.

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