CPay is a UPI based system for sending and receiving payments using the accounts of customers in Primary Agricultural Credit Society (PACS). CPay is designed by Dinesh IT Systems and is suited for all PACS in Kerala. Main advantage of CPay is that an individual can use UPI services with his or her accounts in PACS. CPay works on the Unified Payments Interface (UPI) method which is regulated by the Reserve Bank of India (RBI).
CPay is in adherence with the standard UPI apps such as Google pay, Phonepe, Paytm, BHIM, Bharatpe etc. A Virtual Payment Address (VPA) is provided for every customer which is linked with their accounts in PACS. CPay accepts and receive payments from other UPI’s also.