Indepay aims to product prepaid debit cards to address under banked customers. It claims to extend the benefits of banking to the consumers with a safe and secure solution to transact online The card shall allow users to load money through direct deposits at banks as well as by making deposits at any merchant or partner. The funds deposited can then be utilized to purchase goods and services through business correspondents at retail points of sale as well as at online merchants. It also aims to use the current rural banking infrastructure which consists of about 30,000 bank branches and 1,20,000 post offices.