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Slim Sim Based Mobile Payments

Make easy transactions, even without the internet!

Slim Sim Based Mobile Payments

Focused on Co-Operative Banks and Regional Rural Banks

The YES PAYMENTS SIM Sleeve is a wafer-thin sticker which can be stuck on any type of SIM card of any Telco service provider – Standard, Micro and Nano. This sticker installs a SIM Tool Kit (STK) based app which can be accessed by the consumer on ANY mobile phone without the need for internet connectivity.

This YES PAYMENTS wafer is linked to a Prepaid Wallet which can be loaded by the consumer to perform various types of transactions. The transactions are performed using a patented encrypted SMS technology to communicate with the servers of the Bank.

Following are the transactions currently offered in the program:

  • Person to Person (P2P) fund transfers
  • Person to Account (P2A) fund transfers using NEFT and IMPS
  • Check balances
  • Check last few transactions
  • Payments to anyone using a mobile number/email ID
  • Payments to merchant for small and large value purchases
  • Payment of bills; top-ups, recharges, etc.

The YES BANK Advantage

  • Works with ANY mobile phone (Feature or Smart)
  • Works with ANY Telco (independent of the underlying SIM Card)
  • Works without any need for Internet Connectivity
  • Works at any time of the day with a simple User Interface
  • Cost is extremely low per transaction
  • Patented Secure Encrypted SMS technology


download app
Android App for YES BANK
App Store for YES BANK
yes pay wallet

Digital Wallet with free Virtual card and UPI which can be used to send/receive money, mobile/DTH recharge, pay bills and much more

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