Welcome to Empays

Powering Mobile Payment Solutions for Banks!


Turbo-charging mobile payments.



Empays is a global provider of cloud-based payment solutions which enable banks and other financial institutions to rapidly launch mobile financial services.

Our customers include Barclays Bank PLC, Emirates NBD, State Bank of India, Axis Bank and Mashreq Bank - and we continue to add more large banking customers. Empays was founded in 2010 by Ravi Rajagopalan. With stints in the likes of Alcatel-Lucent, Lucent Technologies and Ascend Communications, he brings with him rich experience in mobile, internet and IT to create comprehensive and disruptive solutions for the global market. He is joined by experts with rich experience and background in managing complex systems, payment systems and cross-border remittances.

In India, Empays Payment Systems Pvt. Ltd. has been granted a Certificate of Authorisation by the Reserve Bank of India (RBI) to set-up and operate the IMT (Instant Money Transfer) Payment System in India, being the first and only privately built payment system to attain this unique distinction.

The company is backed by angel investors who provide strategic market reach as well as strong financial support.


Our partners include the leading banks and financial institutions across the world.

Our Products

Empays’ focus is to provide off-the-shelf solutions that can be rapidly deployed by Banks and other Financial institutions to launch innovative products and services, thereby delivering value to their customers.

Our product suite allow our clients to deliver a rich experience to their customers through mobile interfaces, and aim to gain a slice of the burgeoning mobile payments market.

Guided by its extensive experience across a number of institutions and jurisdictions, Empays' solutions comply with local and international regulations, thereby allowing our clients to process the payments in a secure and efficient manner.

Empays Payment Cloud (EPC)

Empays Payment Cloud (EPC) is a bank-grade payments infrastructure, built for ‘digital’ payments. It allows the Banks and other Financial institutions to rapidly roll out payment offerings.

EPC is built using a modular architecture, and various components can be switched on or off, depending upon the client requirements. The open architecture allows the EPC to connect with traditional and new financial players, and seamlessly integrate with the existing corporate infrastructure.


The non-exclusive nature of EPC allows all clients an open access to the network without limitations. The infrastructure itself is built using reliable, fault-tolerant technology and continues to meet stringent audit requirements set by our global clients.

EPC is a fully regulations-compliant platform and the solutions built using EPC have been approved by various regulators across the globe. Depending on client-specific requirements, EPC has been integrated with leading AML/KYC service bureaux.

Our clients like the low-cost, ‘pay-as-you-go’ approach embodied by EPC, allowing for rapid innovation with minimal investment.

IMT (Instant Money Transfer)

IMT is Empays' flagship product in India and is the only RBI (Reserve Bank of India) licensed cash transfer system in India. IMT allows users to send money to a mobile via SMS with no downloads or operator dependence.

IMT offers tremendous ease in allowing users to transfer cash across our bank partners, which currently include Axis Bank, Bank of India, State Bank group, Kotak Mahindra Bank and the Indian Overseas Bank. We are currently live with two banks – Axis Bank and Bank of India – with other banks in various stages of implementation.

Our Partners
Click here to read more about IMT at Axis Bank.
Click here to read more about IMT at Bank of India.
Click here to read more about IMT at State Bank Group (SBI and associates).
Click here to read more about IMT at YES Bank.



Empays offers opportunities across departments, experience-levels and geographies. To apply for one of the roles listed here, please send your application to hr@empays.com and someone at Empays HR will get in touch with you.

Currently open positions

  1. Java Gurus

We are looking at dynamic and sharp Java folks, with 3-4 years of work experience in hard core Java development and design projects. We will also consider 2 years work-ex, provided you are an absolute “guru”. Need people for whom challenges are a turn-on and who have an appetite for on-the-job learning. You must a team-player and comfortable working in a small set up.

  1. UX Specialist

Candidates with 3-4 years experience of solid UI/UX experience with customer-facing (retail and corporate) systems.

  1. Mobile app Ninja

Can you consume tons of Ice Cream Sandwich, KitKat and Lollipop without putting on a dram of weight? And believe Apple has better uses than keeping the doctors away?
We are looking for app developers with significant cross-platform experience as well as exposure to retail payment applications.

  1. DB Maestro

Looking for persons with 3-4 years’ experience in the Database field. You may be Oracle, PostgreSQL or MySQL – we make no distinction, provided you have the capability (and willingness) to adapt. You must be proficient in SQL and PL/SQL and should have been exposed to a fair amount of Database design and performance tuning. A team-player is a what we need, who can liaise between designers and developers, across projects.


You may send your resumes to hr@empays.com. In case your CV gets shortlisted, you will receive a call from Empays’ HR for a face-to-face interaction.

All current positions are based at our Mumbai office.


Management Team




  • Long career at Alcatel–Lucent and its heritage organizations – Lucent Technologies, Ascend Communications and Stratus Computer
  • Helped establish the Philippine Central Depository, participated in China banking modernization assignments, launched Local Number Portability in Hong Kong and helped build iFlex banking system
  • Graduate of the Indian Institute of Management (IIM), Ahmedabad

– Ravi Rajagopalan – MD & CEO


Chief Technology Officer (CTO)


  • Over 32 years of experience in the IT Industry with extensive experience in IT Service and product organizations.
  • Experience of large scale architecture development, solution development and implementation of many small to very large projects.
  • Worked in multiple domains including Retail banking, Payment & Card processing, Investment banking.
  • Worked with global organizations such as Capgemini, Webtek (part of Dresdner Kleinwort Benson), GE, Citicorp, Wipro.
  • Graduate from IIT Kanpur, MS from Univ of Delaware( USA), PGDM from IIM Bangalore.


Head - Technology and Operations


  • Over 23 years of experience in IT development and consulting in a range of industries
  • Experience in solution implementation, technical consulting and program management for IT implementation projects
  • Heading Technical Operations and Project Delivery in empays from the Company’s inception
  • Responsible for running the Payment scheme, managing multiple vendors & infrastructure, on-boarding of new customers and setting up an in-house team


Head - Product Marketing


  • Over 12 years of experience with 7+ years of hands-on experience in Banking, Cash management, Remittances and Payments
  • Experience of implementing a number of cross-border mobile remittance initiatives and domestic payment systems
  • Worked with Barclays Bank, TimesofMoney (now a part of the Emirates NBD group) and Tata Consultancy Services across geographies, including the UK and the US
  • Graduate of the Indian Institute of Management (IIM), Ahmedabad

Contact Us

We'd love to hear from you.Based on the nature of your query, mail us on these IDs:
Careers and Open Positions - jobs@empays.com
Products and Alliances - sales@empays.com
Media Queries - media@empays.com
Other queries - contactus@empays.com