Mobile recharge commission apps offer a simple way to earn some extra income by providing a service people already use every day. Since mobile recharges and bill payments are part of regular life, these apps let you earn a small commission each time you help someone recharge their phone or pay a utility bill.
Like any small business, earnings grow with regular use and customer trust. The more recharges you handle and the more people rely on you, the better your income can be. At the same time, it’s important to be realistic—earnings depend on commission rates, app reliability, and customer demand.
In this blog, we’ll walk through how mobile recharge commission apps actually work, what kind of income you can reasonably expect, and how to spot platforms that are fair, reliable, and pay on time. The goal is to help you decide if this kind of digital side business is right for you, without hype or false promises.
What Mobile Recharge Commission Apps Are
Mobile recharge commission applications are online platforms that connect service providers with retailers and clients. They enable users to make mobile and DTH recharges, bill payments, and money transfers, and earn a percentage commission on each transaction. These applications turn your smartphone into a mini distribution outlet, enabling you to operate a recharge business anywhere.
Earnings depend on the number of transactions you handle, the app’s commission rate, and the platform’s reliability. While the income is usually steady rather than high, it can grow over time as more people trust you with their recharges.
How Mobile Recharge Commission Apps Work
Such apps are based on a basic distributor-retailer model. Users create accounts on the platform, undergo KYC authentication and are issued with user IDs and passwords. After that, they place cash in their wallet by using different modes of payment. Users can also carry out these transactions via the app whereby customers and businesses can get recharges or pay bills, with the commission automatically added to their wallet. The greater the number of transactions to be made, the greater the possibilities of earnings.
In a Simple Way:
- Sign up using your mobile number and complete basic KYC verification.
- Load money into the app wallet to start processing recharges and bill payments.
- Help customers with mobile, DTH, or utility bill payments using the app.
- Enter the customer details and process the recharge instantly.
- Receive a small commission on every successful recharge.
- Transfer your commission to your bank account or use it for future transactions.
Also Read: Best Medical Courier Apps
Comparison Table: Top Mobile Recharge Commission Apps of 2026
| App Name | Commission Type | Services Offered | Estimated Monthly Earning Potential | Best For |
|---|---|---|---|---|
| PayTM for Business | Percentage + volume incentives | Mobile, DTH, utility bills, payments | ₹4,000 – ₹12,000+ | Trusted brand with large customer base |
| PhonePe Switch | Per-transaction commission + rewards | Mobile recharge, DTH, bill payments (UPI) | ₹3,000 – ₹8,000 | Instant UPI settlements |
| Airtel Payments Bank Retailer | Recharge + banking commissions | Mobile, DTH, banking services | ₹3,500 – ₹10,000 | Low setup, strong Airtel network |
| Oxigen Wallet | Multi-service commission | Mobile recharge, bills, money transfer | ₹3,000 – ₹9,000 | Multiple income streams |
| Eko India Financial Services | Recharge + AEPS income | Recharges, banking, money transfer | ₹3,000 – ₹10,000 | Financial service centers |
| FreeCharge for Business | Percentage-based + bonuses | Mobile recharge, bill payments | ₹3,000 – ₹8,000 | Cashback and promotions |
| MobiKwik Business | Recharge + wallet incentives | Recharges, bills, wallet services | ₹3,500 – ₹9,000 | High transaction volume retailers |
| PayNearby | Tiered commission + incentives | Recharge, banking, AEPS | ₹4,000 – ₹12,000 | Tier-2 & Tier-3 city retailers |
| Spice Money | High service-based commission | Recharges, AEPS, micro-ATM | ₹4,000 – ₹13,000 | Rural and semi-urban areas |
| Fino Payments Bank | Recharge + banking commissions | Recharges, financial services | ₹3,500 – ₹11,000 | RBI-regulated banking model |
Top 10 Mobile Recharge Commission Apps of 2026
1. PayTM for Business
Paytm Business is a digital payment and recharge system provider that is one of the most reliable in India. It provides end-to-end services to the retailer, such as Mobile Recharge Commission, bill payments and financial services. As one of the best Great Online Tools with a large customer base and strong brand recognition, Paytm is offering a trusted commission scheme and immediate settlement to business users nationwide.
Key Features:
- Immediate chargeback and bill payments.
- Large pool of service vendors.
- Multi-layered payment system, which is secure.
How Commission is Earned:
- Proportion on successful recharge.
- Other incomes on bill payments.
- High volume incentives as bonuses.
App Link: https://play.google.com/store/apps/details?id=com.paytm.business&hl=en_IN
2. PhonePe Switch
PhonePe Switch allows merchants and retailers to provide recharge services and get commissions. With the support of Walmart, the UPI-based system offers customers smooth transactional experiences and instant settlements. It also helps a variety of recharge operators, and it provides competitive commission rates, which is why it is the best option that small business owners who want to increase their service offerings in the digital form may have.
Key Features:
- Instant transaction processing using UPI.
- Various recharge operators on demand.
- Fast transfer of funds into bank accounts.
How Commission is Earned:
- Commission on prepaid mobile recharges.
- Profits DTH and datacard.
- Rewards on regular quantities of transaction.
App Link: https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN
3. Retailer by Airtel Payments Bank
Airtel Payments Bank Retailer app will convert users into banking correspondents, who will be able to provide recharge services, cash withdrawals, and deposits. It offers competitive terms of commission with low minimum investment. The fact that the app is integrated with the vast network that Airtel has will provide reliability and consistent sources of earnings to both the urban and rural retailers.
Key Features:
- Chargeable banking services.
- Network integration at Airtel to make it reliable.
- Minimal investment and set up costs.
How Commission is Earned:
- Recharge commission of all operators.
- Additional income on the basis of banking transactions.
- Volume-based tiered commissions.
App Link: https://play.google.com/store/apps/details?id=com.apbl.merchant&hl=en_IN
4. Oxigen Wallet
Oxigen Wallet offers full retailer and distributor payment and recharge services. It also provides competitive commission rates when performing various services such as Mobile Recharge Commission bill payments and money transfer. Its easy-to-use interface and wide range of offered services attract those who are new and those who are more experienced retailers who need a variety of income sources.
Key Features:
- Multiservicing payment solutions platform.
- Rivalry commission rate plans.
- The retailer dashboard interface is user-friendly.
How Commission is Earned:
- Direct commission over mobile recharges.
- Earnings of bill payments transactions.
- Percentages of money transfer services commissions.
App Link: https://play.google.com/store/apps/details?id=com.wis.customerapp.oxigen.android&hl=en_IN
5. Eko India Financial Services
Eko is also specialized in offering its financial inclusion services on its retailer network. Other than mobile recharges, it has Aadhaar-enabled payment services, money transfer, and banking solutions. It offers a stable Mobile Recharge Commission structure and aids in training and customer service of retailers, which is why it is the best choice of the people who want to create a financial services center.
Key Features:
- Repayment services and charges.
- Integration of payment system using Aadhaar.
- Retailer training and assistance.
How Commission is Earned:
- All recharge transactions are to be commissioned.
- Extra gains on transfers of money.
- Income based on aadhaar banking service.
App Link: https://play.google.com/store/apps/details?id=in.eko.connect&hl=en_IN
6. FreeCharge for Business
FreeCharge Business enables retailers to be able to provide recharge and bill payment services with favorable commission plans. The platform is also characterized with promotional deals and cash back plans that enable retailers to secure more clients. It has easy onboarding and immediate processing of transactions, which is especially common with small shop owners and kiosk operators.
Key Features:
- More customers are attracted by promotional offers.
- Immediate transaction processing and settlements.
- Easy onboarding and KYC.
How Commission is Earned:
- Recharge commission structure based on percentage.
- Potential earnings of bill payment service.
- Rewards (Bonuses) on regular performance.
App Link: https://play.google.com/store/apps/details?id=com.freecharge.business&hl=en_IN
7. mobikwik
The retailer platform of MobiKwik also provides all-round digital payment services such as recharges, bill payments and wallet services. It offers competitive commission rate and prompt settlements thus appealing to retailers. The large pool of merchants and customers that the app has access to means that there are constant volumes of transactions being made by the active retailers who would want to maximize their earning potential.
Key Features:
- Full suite digital payment solutions.
- Prompt payment with favorable prices.
- Developed merchant and customer base.
How Commission is Earned:
- Prepaid recharge transactions commission.
- Wallet earnings and bill payment.
- The incentive programs that are available are based on volume.
App Link: https://play.google.com/store/apps/details?id=com.mobikwik.business&hl=en_IN
8. PayNearby
PayNearby is an initiative aimed at making neighborhood stores digitally capable of performing payments. It provides a competitive commission plan on recharges and bill payments and banking services. The platform is highly trained, offers marketing rights and trustworthy backend and is, therefore, the best option to be taken by retailers in the tier-2 and tier-3 cities who want to digitalize their businesses.
Key Features:
- Local retailer-based online solutions.
- A massive amount of training and marketing.
- Quality infrastructure on the backend technology.
How Commission is Earned:
- Bill payment commissions and recharge.
- Income of banking correspondent services.
- Bonus and incentive plans that are based on performance.
App Link: https://play.google.com/store/apps/details?id=com.bnb.paynearby&hl=en_IN
9. Spice Money
Spice Money develops Adhikaris (digital entrepreneurs) who will provide financial services such as recharges. The platform focuses on financial inclusion to rural communities and offers an inclusive earning capacity. It allows users to launch sustainable micro-businesses with minimal investment needs and a large product portfolio serving their communities with the necessary digital services.
Key Features:
- Rural rural focus on financial inclusion.
- Low investment and high product.
- Creation of sustainable micro-business models.
How Commission is Earned:
- Commission on transactions in mobile recharge.
- Multiple income stream financial services.
- Bonus plans of community service incentive.
App Link: https://play.google.com/store/apps/details?id=in.spicemudra&hl=en_IN
10. Fino Payments Bank
The merchant app by Fino Payments Bank allows one to become a banking correspondent offering recharges and financial services. It also offers sound commission plans supported by operations supervised by RBI. The attention to the financial literacy and its customer service will make the platform appropriate to retailers seeking to engage with customers in their locality in ways that allow them to establish trust-based long-term relationships.
Key Features:
- Banking correspondent network under the control of RBI.
- Strong commission and guarantee operation.
- Fiscal savvy and customer service.
How Commission is Earned:
- Commission earnings based on transaction recharge.
- Banking services give an extra income.
- Volume-based tiered commission structure.
App Link: https://play.google.com/store/apps/details?id=com.finopaymentbank.mobile&hl=en_IN
How to Get Commission from Mobile Recharge: Step-by-Step Process
Step 1: Select Your Platform
Research and pick a commission application that fits your business objectives, location, and target customer base. Compare Mobile Recharge Commission rates, services provided, settlement time, and user reviews.
Step 2: Download and Register
Download the selected application, either using Google Play Store or Apple App Store. Finish the registration process with the provision of simple information such as name, mobile number, and email address.
Step 3: Finish KYC Checking
Provide the necessary documents such as Aadhaar card, PAN card, bank account information and address proof. The majority of apps confirm documents in the 24-48 hours digital checking.
Step 4: Fill Wallet Add Money to Wallet
Fill your wallet with the help of bank transfer, UPI, debit card, or distributors. Begin in small steps to know the platform first before committing much money to it.
Step 5: Initiate Processing Transactions
Initiate providing recharge services to clients. Key in the mobile number, pick operator, pick amount and transact. Credits to your wallet are automatically made in commissions.
Step 6: Withdraw Earnings
Transfer commissions that have been earned to your bank account. Most of the platforms have instant or same-day settlement with little or no withdrawal fees when making routine transactions.
Is the Mobile Recharge Commission App Real?
Yes, there is nothing illegal about using mobile recharge commission applications controlled by financial institutions. Major applications such as Paytm, PhonePe, and Airtel Payments Bank operate under RBI regulations and offer real earning opportunities.
Millions of recharge businesses are run successfully by thousands of retailers in India with the help of these platforms. Nevertheless, the Mobile Recharge Commission rates depend on transaction volumes, operator partnerships, and platform policies.
Realistic projections are necessary- earnings will be based on customer base and frequency of transacting, and not get-rich-quick plans.
Which App Gives More Commission?
- PayNearby: Commits 0.5-3 per cent commission on mobile payments where the company will earn more through banking services, thus it seems appealing to full-service providers.
- Spice money: Offers competitive 1-2.5% Mobile Recharge Commission alongside financial services earnings, which are especially useful to rural as well as semi urban retailers with varied product range.
- Eko India: Provides 0.75-2% on recharges and high commissions on money transfer which is best suited to retailers who specialize in financial inclusion services.
- Retailer by Airtel Payments Bank: Provides 1-2 commissions on chargeback with benefits of a banking correspondent, which is applicable in the case of service providers with a particular interest to Airtel networks.
- Commission differences: The rates vary according to operator contracts, volume, promotional durations and your level of retailer within platforms.
How to Choose a Good Recharge Commission App
- Transparency of Commission Structure: Confirm the clear published commission rates, there should be no deductions based on hidden fee or no deduction policy which has to be disclosed and made clear to the profitability.
- Settlement Speed and Reliability: Select apps that provide real time or same day settlements with established records of settling payments on time.
- Diversity of Service Portfolio: Choose platforms where a variety of services are provided to customers, such as recharges, bills, transfers, to maximize income per individual customer.
- Quality of Customer Support: Have 24/7 support service with a variety of channels of solving transaction disputes and other technical problems in a short time.
- Investment and Requirements: Think about the requirements in terms of initial deposit, complexity of KYC, and infrastructure demands in accordance with your budget and abilities.
Conclusion
Mobile recharge commission apps offer real opportunities to earn money through online transactions. To be successful, it is essential to select the platforms that are trustworthy, offer high-quality customer support, and transact a constant volume of transactions.
Although the Mobile Recharge Commission is not much per transaction, it adds up with frequent transactions. Up to the point of customer demand and earning trends, research well, begin small, learn the platform in and out, and eventually expand.
FAQs
What is the size of the Mobile Recharge Commission after the mobile recharge applications every month?
Incomes range between 5-100000+ per month based on the volumes of transactions, the variety of services provided, the geographical location and the size of a customer base you will be able to build.
Are physical shops required to begin earning on Mobile Recharge Commission apps?
It does not require a brick-and-mortar store; operated out of a home or on the move, though a store is present and will gain greater customer confidence and acknowledgment.
What are the required documents to verify the KYC in Mobile Recharge Commission apps?
Normally, Aadhaar card, PAN card, bank account information, cancelled cheque and address projections are necessary in full verification and activation.
Are mobile recharge commission apps free of any such charges and fees?
Well known applications are open in terms of their fees, however, terms are to be read before loading a wallet, transaction fees, or other service related deductions.
