XPay.Life vs Osta

Pay all your Utility bills and Recharge using XPay.Life that offers a full spectrum of Utility Bill Payments. Users can make payment for Electricity, Water, Gas, Mobile Postpaid, Mobile Prepaid ,Landline Postpaid, Broadband and DTH using different payment channels using XPay.Life App. Different Payment Channels enabled on XPay.Life App are: UPI Credit & Debit Card Net Banking Electricity Bill Payment: Make electricity bill payment for all the operators such as AVVNL, BESCOM, BESL, CESC, CESCOM, DHBVN, HESCOM, JBVNL, KSEBL, MGVCL, NDMC, TNEB, UPPCL, WBSEDCL and many more. Mobile Postpaid Bill: Pay your Mobile Postpaid Bill for Airtel, BSNL, Idea, Jio, Vodafone and more. DTH Bill Payment: Pay your DTH bills for Dish TV, Sun Direct TV, TATA Sky, Videocon D2H and more. Broadband Postpaid: Broadband Bill Payment can be made for ACT Fibernet, Airtel, Asianet, Comway, Connect Broadband, D Vois Communication, Fusionnet Web Services, Hathway, Nextra, Spectra, Tikona and more. Landline Postpaid: Pay your Landline Postpaid bills for Airtel, BSNL, MTNL and more. Water Bill Payment: Make water bill payment for NDMC, PHED, Bangalore Water Supply & Sewage Board, Delhi Jal Board, Haryana Urban Development Authority, Indore Municipal Corporation, Pune Municipal Corporation, Ranchi Municipal Corporation and many more. Gas Bill Payment: You can pay for Gas Bills for Adani Gas, Central UP Gas Limited, Gail Gas Limited, Green Gas Limited, Gujarat Gas Limited, Haryana Gas Limited, UCPGPL and more. App Permissions: SMS: To enable quick login via OTP. Camera: To update the profile. Storage: This allows us to locally store some data when you are raising a ticket using the app to make your experience faster and smoother. For any issue, please contact us on support@xpay.life Visit our website www.xpay.life

Buy Now, Pay Tomorrow. Safest, Fastest and most secured platform. Osta is a Card-less, Wallet-less, POS-less and Swipe-less payment platform. Osta is a single use payment number. Osta platform generates unique digital number on customer request by marking a hold equal to the amount requested. This digital number or QR code can be used by the customer at registered merchants or aggregators or partner ATMs. Buy Now, Pay Tomorrow is for customers whose Banks are listed on the platform. It is not for debit card, credit card, wallet and other payment options. Osta uses secured payment technology and empowers customers to decide the value and validity of the Osta number. Osta uses lien (hold) marking instead of transfer of funds to wallets or direct debit to account . Benefits with Osta Compared to cards - As a user you need not store your bank provided details in third party app or enter it on multiple payment pages and hence zero risk of hacking. Compared to wallets - You need not transfer money in wallets and hence you manage only one financial account and you get interest till the account is debited for the transaction. We do not debit your bank account unless we are sure the transaction was successful at all ends. Also,We give you an opportunity to raise dispute on a transaction before debit to your account unlike other payment application. When you buy Jewellery or electronics at small stores - they wont may not ask you 2% extra when you pay by Osta. You will not lose your IRCTC ticket because you did not get OTP. You will pay less convenience fee. Your bank details shall be secured with yourself - as we do not store any bank provided credentials. There will be no double debits to your account. You need not followup for weeks to get your money back. There is no charge to you to release Osta unlike other products. Second factor authentication for creation and usage of Osta How to use? Register on Osta App or www.ostaapp.com Select your bank (if your bank is not listed then you shall not be able to use Osta) Perform one time authorization activity (we do not store any of the banks data in our system) Create Osta from any of the added payment source Use Osta at Osta partner location or website or payment gateway or ATM's You Features of Osta You can set expiry of each Osta generated for each account added i.e. In 1 hour, 1 day, 1 week or 1 month You can set per transaction, per day, per month, per year limits as defined by bank You can set primary account to be used for creation of Osta You can decide whether for balance amount should there be auto-generation of Osta or not Fraud Prevention Once Osta is used – it cannot be reused (it is a dynamic one-time usage number) Reattempts post usage would result in failure There is a second factor authentication while usage of Osta Recreation of Osta would give new number (reloading is not permitted) Osta value is decremental and for every usage new number is generated for preventing frauds/misuse One stop shop: Osta would work with Bank Accounts, Payment Banks, Credit Cards, Wallets and more. Also, you can use Osta for: Phase - 1: Online purchase Offline purchase Card-less ATM Withdrawal Phase -2: Funds Transfer Gift Osta (Smiler to Gift Vouchers and Gift Cards) Delivery by Osta Bill payments Recharges B2B payments Personal Finance Manager Kids Osta (Similar to Prepaid vouchers or cards) Food Osta (In lines with Food Card) Expense Analyser Budgeting (Plan the way you spend your money) NCMC FASTag etc We shall introduce banks and merchants incrementally and so shall be the features. We are a startup and would like your feedback on what would you like your payment app should do for you.