Top 10 Services for Retailers to Earn Extra Income

Running a retail shop in India is no longer limited to selling physical products. With the growth of digital payments, online banking and assisted financial services, retailers can now serve customers with a much wider range of everyday needs.

A customer may visit a nearby shop not only to buy a product but also to withdraw cash, send money, recharge a mobile phone, pay an electricity bill, apply for a PAN card, explore a loan or complete a banking-related service.

This change has created new business opportunities for retailers.

For an existing retailer, adding digital services can be a practical way to expand the business without completely changing the existing shop. Instead of depending only on product sales, retailers can explore multiple services for retailers and create additional revenue opportunities through eligible transactions and services.

Platforms such as Biznext bring several digital, financial and utility services together, helping eligible retailers explore a multi-service business model.

In this article, we will discuss the top 10 services to offer as a retailer, including AEPS, UPI Cash Point, money transfer, recharge, bill payment, BBPS, PAN services, banking, loans, credit cards, insurance and other digital services. We will also explain how retailers can choose the right services and how a platform such as Biznext can support this business model.

What Are Retailer Services?

Retailer services are additional services provided by a shop owner apart from selling physical products.

A traditional retail shop may sell groceries, FMCG products, mobile accessories, stationery or other daily-use items. A modern retailer can add digital and financial services to meet more customer requirements.

Some common digital services for retailers include:

AEPS and assisted banking
UPI Cash withdrawal
Domestic money transfer
Mobile recharge
DTH recharge
Electricity and utility bill payment
BBPS services
PAN-related services
Bank account opening assistance
Insurance services
Loan application assistance
Credit card application assistance
Digital Gold
Gift cards
Courier services
Other supported digital services

The main advantage is that the retailer can use an existing customer base and shop location to offer more services. This does not mean that retailers need to stop their traditional business. Instead, digital services can work alongside the existing retail business.

Why Should Retailers Offer Digital Services?

There are several reasons why digital business for retailers is becoming an attractive opportunity.

1. Create Additional Revenue Opportunities

Retailers can explore commission or service-based earning opportunities from eligible transactions.

For example, a retailer may earn according to the applicable commission structure when a customer completes a qualifying AEPS, recharge, bill payment or money transfer transaction.

Actual earnings depend on transaction volume, applicable commission rates, service availability and other terms.

2. Increase Customer Convenience

Customers often prefer nearby service points for routine transactions. A customer may not want to travel to a bank branch just to complete a basic service if an authorised retailer can provide suitable assistance nearby.

3. Increase Customer Footfall

Adding useful services can give customers more reasons to visit the shop. A customer who visits for a mobile recharge may also pay a utility bill or purchase a product from the same retailer.

4. Build Multiple Income Sources

Instead of relying only on product margins, a retailer can explore several service categories.

For example: Retail Products + AEPS + Recharge + Bill Payment + Money Transfer. This creates a broader business model.

5. Make Better Use of Existing Infrastructure

Retailers already have a physical location, customer relationships and local market knowledge. Digital services can help them make better use of these existing resources, subject to service eligibility and applicable requirements.

Top 10 Services to Offer as a Retailer with Biznext

The following services can be considered by retailers who want to expand their existing business into digital and financial services.

No.	Service	Customer Need	Retailer Opportunity
1	AEPS & UPI	Assisted banking and cash withdrawal	Commission opportunity
2	Money Transfer	Domestic remittance	Commission opportunity
3	Mobile Recharge	Mobile recharge	Commission opportunity
4	DTH Recharge	TV recharge	Commission opportunity
5	Bill Payment	Utility payments	Commission opportunity
6	BBPS	Multiple bill categories	Commission opportunity
7	PAN Services	PAN-related assistance	Service opportunity
8	Banking Services	Banking assistance	Commission/service opportunity
9	Insurance	Insurance products	Commission/service opportunity
10	Other Digital Services	Multiple customer needs	Service opportunity

Along with these ten core categories, retailers can also consider loan services, credit card services and Micro ATM services depending on eligibility and platform availability.

1. AEPS & UPI Cash Withdrawal Services for Retailers

AEPS Cash Withdrawal

Aadhaar Enabled Payment System (AEPS) is an important assisted banking service that eligible retailers can provide to customers through authorised channels. AEPS can help customers access supported banking services using Aadhaar-based authentication.

For customers in rural, semi-urban and other areas where access to branches or ATMs may be limited, an authorised local retailer can provide convenient assisted banking services.

What Can Customers Use AEPS For?

Depending on the available service, customers may be able to perform supported transactions such as:

Cash withdrawal
Balance enquiry
Other eligible banking transactions

The exact services available depend on the banking partner, service provider and applicable rules.

Why Should Retailers Consider AEPS?

AEPS can be a useful addition because:

Banking services are frequently required
Customers may prefer nearby assisted service points
It can increase customer visits
Eligible transactions may provide commission opportunities
It can complement other digital services

A simple AEPS journey can be understood as: Customer → Retailer → Authentication → Transaction → Confirmation

Retailers should follow all applicable KYC, authentication, transaction and security requirements.

Also Read: Best AEPS Commission Portal or Apps

UPI Cash Point: Another Cash Withdrawal Service for Retailers

With the widespread adoption of UPI, cash withdrawal through supported UPI-based services is another opportunity for eligible retailers. A UPI Cash Point can provide customers with a convenient local option for accessing cash through a supported UPI-enabled process.

The exact process depends on the service provider. Generally, the customer initiates a supported transaction, completes the required authentication and, after successful confirmation, the retailer facilitates the cash payout.

A simplified process is: Customer requests cash → UPI transaction → Authentication → Confirmation → Cash payout

Retailers should release cash only after receiving successful transaction confirmation through the authorised system.

Why Add UPI Cash Point Services?

A UPI Cash Point can:

Provide an additional customer service
Complement AEPS
Increase customer visits
Address local cash requirements
Create a potential transaction-based earning opportunity

The commission, transaction limits, eligibility and settlement process can vary by provider.

Micro ATM Cash Withdrawal Services for Retailers

Micro ATM cash withdrawal services can be another option for retailers interested in assisted banking. An eligible retailer can use a supported Micro ATM solution to provide applicable banking transactions to customers through the authorised process.

Micro ATM services can complement: AEPS + UPI Cash Point + Money Transfer + Bill Payment

This can make the shop a more complete local financial service point. The availability of devices, transactions, eligibility and commissions depends on the service provider and banking arrangements.

2. Money Transfer Services for Retailers

Money transfer is another popular category of services for retailers. Customers may need to send money to family members, workers or other beneficiaries. A local retailer can provide assisted domestic money transfer services through an authorised platform, subject to eligibility.

Why Is Money Transfer Useful for Retailers?

It can:

Address a regular customer requirement
Increase shop visits
Create commission opportunities
Complement AEPS and banking services
Help retailers become a local digital service point

A retailer should clearly communicate applicable transaction charges, limits and other terms before processing a transaction. The exact commission depends on the platform’s current structure and successful eligible transactions.

Also Read: Best Money Transfer Commission App in India 2026

3. Mobile Recharge Services

Mobile recharge is one of the simplest online services for retailers to add to an existing business. Mobile phones are used across urban, semi-urban and rural India, and customers regularly need prepaid recharge services.

A retailer can offer mobile recharge along with existing products and other digital services.

Benefits of Mobile Recharge Services

Regular customer requirement
Easy to understand
Convenient for customers
Can complement mobile shops and general stores
Potential commission opportunity
Can bring additional customer interactions

For example, a customer visiting a mobile shop to purchase an accessory may also need a recharge. Offering both services from the same location can improve convenience.

4. DTH Recharge Services

DTH recharge is another service that can be combined with mobile recharge. Customers may prefer visiting a nearby retailer for their television recharge instead of completing the process themselves online.

Retailers can combine: Mobile Recharge + DTH Recharge + Bill Payment to create a simple digital service package. This can be especially useful for general stores, mobile shops and local digital service centres.

The earning opportunity depends on the current service provider’s commission structure and transaction volume.

5. Bill Payment Services

Bill payment is an important category for retailers because customers have recurring payment requirements.

Depending on the supported services, retailers may assist customers with:

Electricity bills
Water bills
Gas bills
Broadband bills
Telecom bills
Other utility bills

A local retailer can provide a convenient assisted payment point for customers who prefer offline assistance.

Why Add Bill Payment Services?

Bill payment can help retailers:

Serve recurring customer needs
Increase customer visits
Offer more services from one location
Create commission opportunities
Complement recharge and financial services

For every transaction, retailers should ensure that customers receive appropriate confirmation or a receipt where applicable.

6. BBPS Services for Retailers

Bharat Bill Payment System (BBPS) is an important part of India’s bill-payment ecosystem. Through participating and authorised channels, customers can pay different types of bills. For retailers, BBPS can provide access to multiple supported bill categories.

Bill Category	Example Customer Requirement
Electricity	Monthly electricity bill
Water	Water bill
Gas	Gas bill
Broadband	Internet bill
Telecom	Supported telecom bill
Other bills	Based on available billers

Why Should Retailers Offer BBPS?

Customers have regular bill payment requirements. This creates an opportunity for retailers to become a convenient local payment point.

BBPS can also work alongside:

Mobile recharge
DTH recharge
AEPS
Money transfer
Other digital services

The exact billers and categories available can vary by platform.

7. PAN Card Services

PAN-related services can be another useful addition to a digital service centre or retail shop. Customers may need assistance with PAN applications, corrections or other permitted PAN-related processes.

Retailers should understand that they do not independently issue government PAN cards. Instead, they may assist customers through an authorised service channel, subject to applicable requirements.

Why Add PAN Services?

PAN-related services can:

Address customer documentation requirements
Expand the retailer’s service portfolio
Create service-based earning opportunities where applicable
Increase the range of services offered from one shop

Retailers should clearly explain documentation requirements and avoid making claims about guaranteed approval or issuance.

Also Read: How to Start a Pan Card Centre or Agency?

8. Banking Services for Retailers

Banking services can help retailers expand into assisted financial services. Depending on the platform, bank and retailer eligibility, services may include:

Account opening assistance
Banking-related services
Cash-related services where authorised
Other supported financial services

For customers, a nearby retailer can provide convenience for selected banking requirements. For retailers, banking services can become an important part of a wider digital business for retailers.

The exact services and commission structure depend on the relevant bank, financial institution, service provider and applicable regulations.

Loan Services for Retailers

Loans can be another financial service that eligible retailers may offer through authorised financial partners or digital lending platforms. Customers may need loans for personal requirements, business expansion, working capital or other eligible purposes.

Depending on the products available, retailers may help customers explore:

Personal loans
Business loans
Consumer loans
Other eligible credit products

How Does a Retailer Help With Loan Services?

A typical process may involve:

Customer enquires about an available loan.
Retailer explains basic eligibility and documentation.
Customer provides the required information.
Application is submitted through the authorised platform.
Lender evaluates the application.
The lender communicates the final decision.

The retailer does not guarantee loan approval. The final approval depends on the lender’s eligibility criteria, credit assessment, documentation and internal policies.

Why Add Loan Services?

Loan services can:

Expand the retailer’s financial service portfolio
Address customer credit requirements
Create potential referral or commission opportunities
Increase customer engagement
Help build a broader financial service business

Retailers should never promise guaranteed approval, a specific loan amount or a particular interest rate unless officially confirmed by the lender.

Credit Card Services for Retailers

Credit card application assistance can also be considered by eligible retailers through authorised banks, issuers or service platforms. Customers may visit a retailer to understand available credit card options and complete an application.

How Does Credit Card Application Assistance Work?

A typical process can be: Customer enquiry → Product selection → Eligibility check → Application → Verification → Issuer decision

The retailer may assist with:

Understanding basic eligibility
Selecting an available card
Completing the application
Submitting required information
Understanding the next steps

The final approval is made by the card issuer based on its own criteria.

Why Offer Credit Card Services?

Credit card services can help retailers:

Add another financial service
Serve existing customers
Explore referral or commission opportunities
Expand their digital service portfolio

Retailers should not promise guaranteed approval, fixed credit limits or specific rewards unless these are officially confirmed by the issuer.

9. Insurance Services

Insurance is another financial service that eligible retailers can consider adding. Depending on the available products and authorised channels, retailers may assist customers with products such as:

Health insurance
Motor insurance
Other supported insurance products

Insurance requires responsible customer communication.

Also Read: How to Become an Insurance Agent

Retailers should help customers understand important details such as:

Premium
Coverage
Policy terms
Exclusions
Claim process
Applicable conditions

Retailers should avoid making misleading claims about coverage, returns or claim approval.

Why Add Insurance Services?

Insurance can help retailers:

Expand their financial service portfolio
Serve existing customers
Create potential commission opportunities
Build long-term customer relationships

10. Other Digital Services Retailers Can Offer

The digital service ecosystem includes many additional services that can complement a retail business.

Depending on the platform and retailer eligibility, these may include:

Digital Gold
Gift Cards
Courier services
Micro ATM
IRCTC ticket booking through authorised channels
Bus & Flight ticket booking
Other digital services

Retailers should select services based on actual customer demand. Offering every available service is not always the best strategy. It is often more practical to start with services that customers regularly request.

How Do Retailers Earn from Digital Services?

A major reason retailers explore a commission-based business for retailers is the possibility of earning from eligible service transactions.

There are different earning models are

Transaction-Based Commission: Some services may provide a commission for eligible successful transactions.
Service-Based Earnings: Certain services may provide earnings based on the type of service completed.
Referral-Based Opportunities: Financial products such as loans or credit cards may involve referral-based opportunities where permitted by the authorised partner.
Multiple-Service Model: The biggest advantage of a multi-service model is that a retailer does not have to depend on one service.

For example: AEPS + UPI Cash Point + Recharge + Bill Payment + Money Transfer + Banking + Insurance can create several potential revenue opportunities.

However, retailers should remember that commissions are not guaranteed income. Actual earnings depend on transaction volume, customer demand, applicable commission rates, service availability and operating costs.

How Much Can a Retailer Earn from Digital Services?

There is no single income figure that applies to every retailer.

Potential earnings depend on:

Number of customers
Number of successful transactions
Services offered
Commission per transaction
Local demand
Shop location
Operating costs
Platform terms
Service availability

For example, if a retailer completes a certain number of eligible transactions and earns the applicable commission on each transaction, total commission will depend on the actual rate and successful transactions.

Therefore, retailers should calculate their potential income using current and verified commission rates instead of relying on generic income claims.

How to Choose the Best Services for Your Retail Shop?

The best services for retailers are not necessarily the same for every business. Your selection should be based on customer demand.

1. Understand Your Local Customers

Find out what customers regularly ask for.

For example:

Do customers need cash withdrawals?
Are bill payment facilities available nearby?
Do customers frequently request recharge?
Is money transfer a common requirement?
Do local customers need banking assistance?

2. Consider Your Existing Business

Different shops can select different combinations.

Mobile Shop: Mobile Recharge + DTH Recharge + Bill Payment + UPI Cash Point
General Store: AEPS + Recharge + Bill Payment + Money Transfer
Digital Service Centre: AEPS + UPI Cash Point + Banking + PAN + Money Transfer + Loans + Credit Cards
Financial Service-Focused Retailer: AEPS + Money Transfer + Banking + Insurance + Loans + Credit Cards

3. Check the Commission Structure

Compare the current commission or earning model before promoting a service.

4. Check Eligibility and Requirements

Some services may require:

KYC
Verification
Training
Devices
Authorisation
Additional documentation

5. Focus on Customer Trust

Digital and financial services involve customer information and transactions.

Retailers should:

Keep customer information secure
Provide transaction confirmation
Explain applicable charges
Follow platform procedures
Avoid misleading promises
Maintain proper records

Why Offer Multiple Services from One Platform?

A multi-service platform can make it easier for retailers to expand their service portfolio. Instead of building separate relationships for every service, a retailer can explore multiple service categories through one ecosystem where available.

For example: Banking → AEPS → UPI Cash Point → Money Transfer → Recharge → Bill Payment → PAN → Insurance → Loans → Credit Cards

This creates a broader digital services business for retailers. For customers, the primary advantage is convenience. For retailers, the opportunity is to serve more customer needs from an existing shop.

How Biznext Helps Retailers Offer Digital Services

Biznext is a digital services platform that enables retailers to access multiple financial, utility and other digital services, subject to applicable eligibility and availability.

Depending on the current services available to an eligible retailer, the platform can support categories such as:

AEPS
UPI Cash Point
Money Transfer
Mobile Recharge
DTH Recharge
Bill Payment
BBPS
Banking Services
PAN Services
Insurance
Loan-related services
Credit card-related services
Digital Gold
Gift Cards
Courier Services
Other supported digital services

This makes Biznext relevant for retailers who want to expand from traditional retail into a multi-service digital retailer business.

Instead of depending only on product sales, retailers can explore multiple customer service categories from one platform.

Retailers should review current service availability, eligibility requirements, applicable terms and commission structures before onboarding.

How to Start Offering Services with Biznext?

The onboarding process generally involves the following steps:

Step 1: Register as a Free Retailer: Begin the retailer registration process through App or web portal and provide the required details.

Step 2: Complete Verification: Complete applicable KYC and verification requirements.

Step 3: Select Relevant Services: Choose services according to your customer demand and business model.

Step 4: Activate Eligible Services: Follow the applicable activation process for the selected services.

Step 5: Start Serving Customers: Once the required services are active, retailers can begin serving customers according to the relevant process.

Step 6: Track Transactions and Earnings: Regularly review transactions, settlements and applicable commissions.

The exact onboarding process and service availability may change, so retailers should refer to the latest information provided by Biznext.

Traditional Retail vs Digital Retail Services

Factor	Traditional Retail	Digital Service Retail
Main activity	Product sales	Digital and financial services
Revenue source	Product margins	Commission/service opportunities
Inventory	Usually required	Often little or no physical inventory
Customer need	Product purchase	Service transaction
Customer visits	Based mainly on product demand	Can include recurring service needs
Business expansion	Add more products	Add more service categories
Revenue model	Product-focused	Multi-service opportunity

These models do not have to operate separately. A retailer can combine both.

For example: Grocery Shop + AEPS + Recharge + Bill Payment + Money Transfer can create a broader customer offering while keeping the traditional retail business intact.

Is a Digital Services Business Suitable for Every Retailer?

Digital services can be particularly relevant for:

Existing retail shop owners
Mobile shop owners
General stores
Digital service centres
Local entrepreneurs
Retailers in semi-urban areas
Retailers in rural areas
Shops with regular customer footfall

However, every retailer should evaluate the opportunity before adding services.

Consider:

Local customer demand
Competition
Service availability
Internet connectivity
Device requirements
KYC requirements
Compliance requirements
Commission structure
Customer support
Settlement process

The goal should be to select services that solve real customer problems.

FAQ for Digital Services for Retailers

What are the best services for retailers?

The best services depend on local customer demand. Common options include AEPS, UPI Cash Point, money transfer, mobile recharge, DTH recharge, bill payment, BBPS, banking, PAN-related services, insurance and other digital services.

What digital services can a retailer offer?

Depending on eligibility and platform availability, retailers can offer services such as AEPS, UPI cash withdrawal, recharge, bill payment, money transfer, banking, PAN-related assistance, insurance, loans and credit card application assistance.

How can retailers earn extra income?

Retailers can explore commission, referral or service-based earning opportunities by adding suitable digital services alongside their existing business. Actual income depends on transactions, applicable rates, customer demand and operating costs.

What is a UPI Cash Point?

A UPI Cash Point is a supported service through which eligible retailers can facilitate cash withdrawal for customers using an authorised UPI-based process. The exact process, limits and earning structure depend on the service provider.

Can retailers offer AEPS services?

Eligible retailers can offer AEPS through authorised service providers, subject to KYC, authentication, eligibility and applicable regulatory requirements.

What are BBPS services for retailers?

BBPS services allow customers to pay supported bills through participating channels. Retailers can provide assisted bill payment through an authorised platform.

Can retailers offer money transfer services?

Eligible retailers can provide domestic money transfer services through supported authorised platforms, subject to applicable requirements and transaction limits.

Can retailers provide loan services?

Eligible retailers may assist customers with loan applications through authorised financial institutions or lending partners. However, the lender makes the final approval decision based on its own eligibility and assessment criteria.

Can retailers offer credit card services?

Eligible retailers may assist customers with credit card applications through authorised banks, issuers or service platforms. Approval depends on the card issuer’s eligibility and assessment process.

What are the best commission-based businesses for retailers?

Digital services such as AEPS, recharge, bill payment and money transfer can provide commission opportunities. Financial products such as loans or credit cards may also offer referral opportunities through authorised partners. Retailers should compare customer demand, commission, requirements and operating costs before selecting services.

What services can I add to my existing retail shop?

You can consider services such as AEPS, UPI Cash Point, mobile recharge, DTH recharge, bill payment, money transfer, banking, PAN-related services, insurance, loans and credit card assistance based on your customer requirements and eligibility.

How can I start a digital services business with Biznext?

You can start by registering with Biznext, completing the required verification, selecting relevant services and following the applicable onboarding process. Service availability and eligibility may vary.

What services does Biznext offer to retailers?

Biznext supports multiple digital, financial and utility service categories, including AEPS, UPI Cash Point, money transfer, recharge, bill payment, banking, PAN-related services, insurance and other supported services. Current availability and eligibility should be checked before onboarding.

Conclusion

The role of a retailer in India is evolving. A retail shop can now serve customers with more than physical products. By adding suitable digital and financial services, retailers can create a broader customer offering and explore additional revenue opportunities.

Services such as AEPS, UPI Cash Point, money transfer, mobile recharge, DTH recharge, bill payment, BBPS, PAN services, banking, insurance, loans and credit card services can help retailers address different customer requirements.

However, the right approach is not to add every available service. Retailers should first understand their local customer demand and then select services that are relevant, easy to manage and commercially suitable.

A multi-service platform such as Biznext can help eligible retailers explore several digital and financial service categories through one platform.

For an existing shop owner, this can be an opportunity to move from a traditional product-focused business towards a multi-service retail model. The key is to start with services customers actually need, maintain transparency, follow applicable rules, and gradually expand the service portfolio as customer demand grows.

Also Read: AEPS Agent Registration Online Guide 2026: How to Become an AEPS Agent in India

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