Every household consumes services from numerous service providers like electricity, gas, water, landline, mobile phones, DTH, travel, banking, money-transfers/remittance, financial services, etc. The process of availing and making payments for these services is often cumbersome and time-consuming. The growing service sector and the increase in spending power, make the need of an efficient and convenient delivery channel more apparent. India, the largest democracy with over 25 million households, is witnessing enormous growth in the services industry. While new services are being introduced, the consumer base of the already offered is growing at a steady pace. Pay Point effectively fills the gap by letting the utilities concentrate on the service delivery only and creating a franchise network of conventional Mom-&-Pop stores in the consumer's neighborhood. These franchisees are equipped with a multifunctional terminal, which are connected to the service providers’ servers and execute transaction on a real-time basis, while issuing a reservation or a receipt with legal validity to the consumer. Pay Point India's solution provides service providers an extended reach, retailers a new earning opportunity and, consumers an unparalleled convenience. The consumer centric operations essentially empower consumers’ with: • A single access to a wide range of products and services. • With multiple access points and payment modes • At an easily affordable price