Novopay Retailer

Earn high commissions with Banking, AEPS, DMT, CMS, Recharges & Bill Payments!

Novopay Solutions Private LTD · in.novopay.merchant

Not rated yet 500K+ downloads v3.9.39 85.6 MB Android 6.0+ PEGI 3 · Everyone

Download APK 85.6 MB All versions

Signature matches the Google Play version Details

Watch the Novopay Retailer trailer on YouTube

At a glance

Latest version: v3.9.39 (589)
Updated: Oct 4, 2026 (4 days ago)
APK size: 85.6 MB
Requires: Android 6.0+ (API 23)
CPU support: x86 32-bit, x86 64-bit, ARM 32-bit, ARM 64-bit
Graphics: OpenGL ES 2.0+
Category: Finance (app)
Listed since: Dec 29, 2020 (at least)
Permissions: 44 (11 sensitive)
Website: novopay.in
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

Novopay Retailer is an app by Novopay Solutions Private LTD in the Finance category, listed since at least December 2020. It includes native code for x86 32-bit, x86 64-bit, ARM 32-bit and ARM 64-bit, so it runs on practically every phone.

Since version 3.5.88, the APK grew from 36.4 MB to 85.6 MB and the minimum Android version rose from 4.4 to 6.0. It asks for 44 permissions, 11 of them sensitive, including precise location, camera and approximate location. It asks for the same permissions as version 3.9.38. The app can read the advertising ID that ad and analytics services use.

What's new in v3.9.39

We've upgraded our app to give you a faster, more reliable, and more secure experience. ⚡ Significantly faster transactions 🔒 Stronger security and fraud protection ✅ Smoother AePS, DMT, Aadhaar Pay & MATM 📄 Quicker KYC and re-KYC processing 💳 Real-time settlement and commission visibility 🏦 Full banking services — Savings A/c, Current A/c, FD & RD Update now to unlock the new Novopay experience.

Description

From the listing uploaded by “appupdater”.

Turn your Shop into a Digital Bank & Earn up to ₹50,000/Month! Join 5 Lakh+ retailers trusting Novopay to grow their business. Novopay empowers Kirana stores, medical shops, and small businesses to become a Full-Service Financial Hub. Offer banking, payments, and shopping services to your customers right from your smartphone. Why Become a Novopay Retailer? ✔️ Zero Heavy Investment: Start with just your mobile & biometric device. ✔️ Highest Success Rates: Industry-leading transaction success on AePS & DMT. ✔️ Instant Settlements: Get your money in your account when you need it. ✔️ Safe & Secure: RBI-regulated business correspondence model. 💼 Our Service Suite: 1. Core Banking Services 🏦 Become a banker for your neighborhood. Open Savings/Current accounts and create FDs/RDs. 2. Aadhaar ATM (AePS) & MicroATM 🏧 Convert your shop into an ATM. Help customers withdraw cash, deposit funds, or check balances using just their Aadhaar number & Fingerprint/FaceAuth (for AePS) or Debit Card (for MATM). 3. Domestic Money Transfer (DMT) 💸 Send money to ANY bank account in India instantly via IMPS & NEFT. Available 24/7, even on bank holidays. 4. Bill Payments & Recharges 📱 One app for all utilities. Pay Electricity, Water, FasTag, Gas, and Municipal taxes. Recharge Mobile (Jio, Airtel, Vi, BSNL) and DTH (Tata Sky, DishTV, etc.) instantly. 5. Cash Management Services (CMS) 👜 Earn by collecting EMI payments for 40+ partners like Tata Capital, IDFC First Bank, Bajaj Auto, and more. 6. ONDC Shopping 🛒 Tap into the ONDC network! Order fashion, electronics, grocery, and wellness products directly through the app. 🤝 Why Trust Novopay? 10+ Years of Excellence in Fintech. 5 Lakh+ Happy Retailers. Dedicated Support Team (Call us at 080-67778666). Ready to upgrade your business? Download Novopay now! 🚀

Version history

6 versions are listed, going back to v3.5.88. New versions arrive here about every 2 weeks. Since v3.9.36 it requires Android 6.0+.

v3.9.39 LATEST Oct 4, 2026 85.6 MB TRUSTED v3.9.38 Sep 28, 2026 85.6 MB TRUSTED v3.9.37 Sep 13, 2026 85.6 MB TRUSTED v3.9.36 Sep 4, 2026 85.5 MB TRUSTED v3.8.84 Oct 9, 2025 50.1 MB TRUSTED

All 6 versions

Security & authenticity

Security rating: Trusted

Signing certificate

Signature matches the Google Play version Checked by the source store on Oct 4, 2026.
Certificate issued to “Khosla Labs” This is the certificate of the Google Play version.
Same certificate as the 2 other versions checked

Store checks and file details

Developer signature verified Oct 4, 2026
Validated against Google Play Oct 4, 2026
Signed byCN=Khosla Labs, OU=Khosla Labs, O=Khosla Labs, L=Bangalore, ST=Karnataka, C=IN
Signing certificate (SHA-1)8F:8F:9B:3A:01:C3:AF:DF:EA:2F:E2:37:D9:6B:29:2B:97:62:6B:B2
File MD5d410863bceedb5fd5233c54598270929
Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (2 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (44)

Novopay Retailer requests 44 permissions, 11 of them sensitive.

Approximate location Sensitive android.permission.ACCESS_COARSE_LOCATION
Bluetooth advertise Sensitive android.permission.BLUETOOTH_ADVERTISE
Bluetooth connect Sensitive android.permission.BLUETOOTH_CONNECT
Bluetooth scan Sensitive android.permission.BLUETOOTH_SCAN
Camera Sensitive android.permission.CAMERA
Display over other apps Sensitive android.permission.SYSTEM_ALERT_WINDOW
Precise location Sensitive android.permission.ACCESS_FINE_LOCATION
Read media audio Sensitive android.permission.READ_MEDIA_AUDIO
Read phone numbers Sensitive android.permission.READ_PHONE_NUMBERS
Read shared storage Sensitive android.permission.READ_EXTERNAL_STORAGE
Write settings Sensitive android.permission.WRITE_SETTINGS
Access adservices ad id android.permission.ACCESS_ADSERVICES_AD_ID
Access adservices attribution android.permission.ACCESS_ADSERVICES_ATTRIBUTION
Access notification policy android.permission.ACCESS_NOTIFICATION_POLICY
Action scan fmr evolute impress (custom) com.khoslalabs.fingerprintscanner.ACTION_SCAN_FMR_EVOLUTE_IMPRESS
Advertising ID com.google.android.gms.permission.AD_ID
Auth activity dp (custom) com.khoslalabs.fingerprintscanner.AUTH_ACTIVITY_DP
Auth activity evolute impress (custom) cohm.khoslalabs.fingerprintscanner.AUTH_ACTIVITY_EVOLUTE_IMPRESS
Auth activity evolute impress (custom) com.khoslalabs.fingerprintscanner.AUTH_ACTIVITY_EVOLUTE_IMPRESS
Auth activity mantra (custom) com.khoslalabs.fingerprintscanner.AUTH_ACTIVITY_MANTRA
Auth activity morpho (custom) com.khoslalabs.fingerprintscanner.AUTH_ACTIVITY_MORPHO
Bluetooth android.permission.BLUETOOTH
Bluetooth admin android.permission.BLUETOOTH_ADMIN
Commondata get common data (custom) com.huawei.appmarket.service.commondata.permission.GET_COMMON_DATA
Control vibration android.permission.VIBRATE
Full network access android.permission.INTERNET
Get tasks android.permission.GET_TASKS
Google Play install referrer com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
Internal broadcast protection (app-defined) in.novopay.merchant.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Manage newland android.permission.MANAGE_NEWLAND
Manage newlanduart3 android.permission.MANAGE_NEWLANDUART3
Mapsagent read app info (custom) com.samsung.android.mapsagent.permission.READ_APP_INFO
Merchant receive message (custom) in.novopay.merchant.permission.receive_message
Modify audio settings android.permission.MODIFY_AUDIO_SETTINGS
Mount unmount filesystems android.permission.MOUNT_UNMOUNT_FILESYSTEMS
Nfc android.permission.NFC
Prevent the device from sleeping android.permission.WAKE_LOCK
Read Google service settings com.google.android.providers.gsf.permission.READ_GSERVICES
Read basic phone state android.permission.READ_BASIC_PHONE_STATE
Receive push notifications com.google.android.c2dm.permission.RECEIVE
Show notifications android.permission.POST_NOTIFICATIONS
System overlay window android.permission.SYSTEM_OVERLAY_WINDOW
View Wi-Fi connections android.permission.ACCESS_WIFI_STATE
View network connections android.permission.ACCESS_NETWORK_STATE

Required hardware & features

Bluetooth android.hardware.bluetooth
Camera android.hardware.camera
Basic touch input android.hardware.faketouch
Location android.hardware.location
Portrait screen android.hardware.screen.portrait

Novopay Retailer APK: questions and answers

Is there a version of Novopay Retailer for older Android phones?

The current version needs Android 6.0 or later. Version 3.8.84 is the newest listed build that installs on Android 5.0 and later. Get version 3.8.84 · All versions

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the Novopay Retailer APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. It is signed with the same certificate as the 2 other versions checked. After downloading, check that the file's MD5 is d410863bceedb5fd5233c54598270929.