Bodega & Corner Store Modernization
How independent retailers turn foot traffic into recurring service revenue.
Financial Rails · Est. 2016
One platform.
Every retail financial product.
CellPay powers bill payments, wireless top-ups, gift cards, prepaid cards, and cash services — at the retail counter, online, and through a single API. Built for America's underserved communities.
$1B+ lifetime volume5.9M consumers served1,000+ locations15+ states
The Rail · Live
USDBill Pay·ConEd · Utility
Bronx, NY
$142
Top-Up·T-Mobile · Prepaid
Houston, TX
$40
Gift Card·Amazon · Digital
Miami, FL
$100
IMTU·Claro · Dominican Rep.
Newark, NJ
$25
Illustrative — sampled across 1,000+ locations$1B+ lifetime volume
Connected to the networks retailers rely on
Utility Networks
ConEd · PG&E · Spectrum · Xfinity
Wireless Carriers
T-Mobile · Cricket · Metro · AT&T Prepaid
Card Networks
Visa · PCI-DSS
IMTU Corridors
Latin America · Africa · South Asia
The Rail, In Numbers
A decade of real volume.
Growing every quarter.
$1B+
Lifetime volume
5.9M
Consumers served
1,000+
Retail locations
15+
States served
The Platform
Every product runs on
the same rail.
Retail POS, agent-assisted online, and API — one settlement engine, one compliance surface, one integration. No stitching. No reconciliations across silos.
CellPay powers master agents, large distributors, and enterprise platforms through a single API — the same rails behind 1,000+ retail counters.
Bill PayWireless Top-UpGift CardsPrepaid CardsActivationsSmart SafeBill PayWireless Top-UpGift CardsPrepaid CardsActivationsSmart Safe
Every ProductOne CellPay IntegrationRetail · Online · API
Retail Counter
Purpose-built terminals and POS integrations at 1,000+ stores across 15+ states.
Agent-Assisted Online
White-label web flows for merchant field teams. Same products, same rail, remote.
Developer API
REST endpoints for every product. Embed CellPay into your existing POS or app in days, not months.
The Product Line
Everything a retailer needs.
One integration.
Every product on the CellPay platform is available at the retail counter, online, and through our developer API.
RoadmapCurrently in development
ZivoMoney (P2P)
Peer-to-peer payments and stored value. Send and receive between CellPay accounts and wallets.
Coming 2027Digital Asset Access
Regulated crypto on-ramp at the retail counter — bringing digital asset access to communities without traditional banking.
Coming 2027How It Works
Two ways to build on
the CellPay rail.
For Retailers
Become a CellPay location
01
Apply
Tell us about your store. Quick 5-minute form covering location, size, and product mix.
02
Onboard
We ship the terminal, train your team, and connect your POS — typically in under two weeks.
03
Earn
Start transacting on day one. Weekly settlement and transparent per-transaction economics.
For Partners
Integrate CellPay into your stack
01
Design
We scope the integration together — retail, digital, or API-first. Compliance and settlement mapped upfront.
02
Integrate
Sandbox access, dedicated engineering support, and reference implementations for every product.
03
Launch
Go live on CellPay's rail with production monitoring, dashboards, and a named account team.
From the Counter
We used to send customers three blocks over just to pay a bill. Now they walk in, pay it here, and buy a coffee on the way out. CellPay changed what a corner store can do.
Compliance & Trust
Regulated infrastructure —
not a workaround.
CellPay operates under the same regulatory framework as major bank-partnered fintechs. Every transaction is monitored, screened, and recorded — because our customers can't afford anything less.
- 01Every product engineered to specific regulatory frameworks — state money-transmission, federal AML/BSA, card-brand rules.
- 02Real-time KYC, transaction monitoring, and sanctions screening built into every rail — no bolt-on compliance stack.
- 03Reg E, GLBA, and PCI-DSS controls end-to-end. Independent SOC audits and ongoing third-party risk reviews.
- 04Purpose-built for cash-first communities: fraud models tuned to the underserved segment, not to enterprise B2B.
Banking Partners · Featured
Featured by Texas Capital Bank.
Trusted at Middle Market scale.
In 2025, Texas Capital Bank's Middle Market Banking group featured CellPay in two client spotlights.
“Texas Capital brought an unparalleled level of commitment and expertise to our business. They provided a customized solution that transformed our operations, fueling our growth from $100 million to $300 million in revenue.”
PJ
Parvez Jasani
Founder & CEO, CellPay
“Like us, Texas Capital Bank never says no. They take the time to understand your challenges and build solutions from the ground up. When we needed a custom API, they didn't just tweak something off the shelf — they developed an entirely new platform.”
PJ
Parvez Jasani
Founder & CEO, CellPay
Newsroom
Notes from the
retail rail.
Building for the Cash Economy
Design principles for financial products serving underbanked Americans.
The Money Transmission Playbook
How CellPay operates across 15+ state MSB regimes without compromising unit economics.
Ready to run the CellPay rail?
Whether you're a retailer, a partner platform, or an institution — talk to our team about what running on CellPay looks like.