jStack

E-Topup & Bill Payment Platform for Afghanistan

Launch Airtime, Data Bundle and Bill Payment Services from One Platform.

Connect telecom operators, billers, distributors, agents, merchants and digital applications through one configurable platform.

Offer airtime, data bundles and bill payments through branded apps, merchant networks and secure APIs—while managing pricing, commissions and reconciliation in one place.

Discuss Your E-Topup PlatformExplore the Platform

Built for telecom operators, distributors, fintechs, banks, wallet providers and merchant networks.

Mobile shop owner showing a smartphone recharge app used to sell airtime, data bundles and bill payments
Mobile AppAgentAPITelecom Operator
  • Multi-operator product catalogue
  • Customer, Agent and Merchant applications
  • Developer APIs and Webhooks
  • Wallet, Commission and Reconciliation

One platform. Multiple business models.

Launch the model that fits your market.

Customer entering a mobile number on a smartphone recharge screen at home
Find the Right Model for Your Business

Complete platform experience

Applications, APIs and operations—connected through one platform.

Customer App

  • Mobile-number entry and country selection
  • Operator selection with airtime and data tabs
  • Product or amount selection
  • Wallet and payment-method selection
  • Order confirmation and success receipt
  • Transaction history

Configurable product catalogue

Manage operators, services and products without rebuilding your platform.

  1. Afghanistan
  2. Telecom Services
  3. Selected Operator
  4. Airtime or Data Bundle
  5. Fixed, Variable or Package

Product types

Fixed-value airtimeVariable-value airtimeData bundlesVoice packagesSMS packagesUtility billsSubscription paymentsOther digital products

Configuration

  • Country-wise and operator-wise catalogue
  • Provider mapping
  • Pricing, margins and channel visibility
  • Customer eligibility and package validity
  • Scheduled activation and enable / disable

From number to successful recharge

A simple transaction experience for customers and agents.

  1. 01

    Select service

    Choose airtime, data bundle or bill payment.

  2. 02

    Enter details

    Mobile number, customer identifier or billing reference.

  3. 03

    Choose product

    Select the operator, package or recharge amount.

  4. 04

    Select payment

    Pay through wallet or another configured method.

  5. 05

    Process transaction

    The platform validates and sends the request to the configured provider.

  6. 06

    Receive confirmation

    Success, pending or failure status with a receipt.

Customer entering a mobile number on a smartphone recharge screen at home

Success

Pending

Failed

Every transaction carries a clear state, with reversals, refunds where applicable and duplicate-request prevention handled by the platform.

Grow through agents and merchants

Build and manage a multi-level service distribution network.

The hierarchy is configurable—use as many levels as your distribution model needs.
  1. L1Platform
  2. L2Master Distributor
  3. L3Distributor
  4. L4Agent or Retailer
  5. L5Customer

Commission example

Illustrative example

Provider cost

AFN 98

Customer price

AFN 100

Total margin

AFN 2

Split between platform margin, distributor commission and retailer commission. Commercial values are configured per project, never hard-coded.

Retailer selling mobile airtime to a customer using a tablet at a shop counter
  • Distributor and retailer onboarding
  • Configurable hierarchy and roles
  • Product assignment
  • Operator-wise and slab-based commissions
  • Custom commission rates
  • Agent limits and territories
  • Main and commission wallets
  • Sales reports and agent activity

API-first digital services

Add airtime and bill payment to any application.

Use one unified API layer to discover products, validate requests, submit transactions, receive status updates and reconcile results across connected providers.
POST /v1/topups
Authorization: Bearer YOUR_SANDBOX_KEY
Content-Type: application/json

{
  "country": "AF",
  "operator_id": "operator_001",
  "product_id": "bundle_5gb_30d",
  "customer_number": "+93XXXXXXXXX",
  "client_reference": "ORD-2026-100245"
}

Endpoints, identifiers and responses are illustrative.

Response · 202 Accepted

{
  "transaction_id": "txn_8F4K2M91",
  "client_reference": "ORD-2026-100245",
  "status": "processing",
  "amount": 450,
  "currency": "AFN"
}

Webhook events

  • transaction.processing
  • transaction.success
  • transaction.failed
  • transaction.reversed
  • Country and operator discovery
  • Product catalogue
  • Number or account validation
  • Price enquiry
  • Transaction submission
  • Status and balance enquiry
  • Webhooks
  • Idempotency and client references
  • Error codes
  • Sandbox environment
  • API-key and token authentication
Developer working with API documentation, a code editor and transaction logs
Discuss API IntegrationExplore airtime services

Control every transaction

Manage products, money and provider performance from one place.

Operations team reviewing transaction and reconciliation dashboards

Transaction operations

  • Search and status monitoring
  • Retries, reversals and refunds
  • Complaint references
  • Provider responses and audit trail

Wallet and balance

  • Customer, merchant and agent wallets
  • Commission wallet
  • Provider prefunding and thresholds
  • Low-balance alerts and statements

Pricing and commissions

  • Provider cost, customer price and markup
  • Operator- and product-wise commission
  • Slab and channel-based pricing
  • Effective dates

Reconciliation

  • Internal vs provider records
  • Automated matching
  • Exceptions, review and adjustments
  • Settlement reports and finance exports
Provider performance · illustrative data
ProviderSuccess rateAvg responseFailedBalanceStatus
Provider A98.4%1.2 s41AFN 420KActive
Provider B96.9%1.8 s88AFN 310KActive
Provider C93.1%2.6 s132AFN 45KLow balance

Connect your service ecosystem

Integrate operators, billers, payments and customer channels.

  • Mobile App
  • Web App
  • Agent App
  • Merchant App
  • Partner APIs

PLATFORM

jStack E-Topup & Bill Payment Platform

  • Telecom Operators
  • Airtime Aggregators
  • Billers
  • Banks
  • Payment Gateways
  • Wallet Platforms
  • Messaging Providers
  • KYC Providers*

*Where required. Integration availability depends on project scope and partner systems.

  • Multiple providers for the same service
  • Provider priority, cost and availability routing
  • Automatic failover and timeout handling
  • Provider-specific mapping
  • Common transaction status
  • Webhook normalization and provider reconciliation

Deployment options

Managed platform for faster implementation and reduced infrastructure management.

Why jStack

More than a recharge API.

01

Complete platform

Applications, APIs, product catalogue, wallets, commissions and operations in one solution.

02

Multi-provider connectivity

Connect multiple operators, aggregators and billers through a unified integration layer.

03

Multiple business models

Support direct customers, agents, merchants, API clients and embedded-service partners.

04

Configurable commercials

Control pricing, margins, commissions, products and channels.

05

Operational visibility

Monitor transactions, providers, balances and reconciliation from one portal.

06

Modular expansion

Start with airtime and add data bundles, bill payments and other digital services over time.

As an e-topup software company in India, jStack provides platform engineering, recharge API integration, white-label application development and implementation support for international telecom VAS and digital-payment projects—whether you need an airtime recharge software provider or a bill payment software company for your market.

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Frequently asked questions

Questions About E-Topup and Bill Payment Platforms

What is an E-Topup platform?

An E-Topup platform enables organizations, agents, merchants and applications to sell electronic airtime, data bundles and other telecom products through connected operator or aggregator APIs.

Who can use the jStack E-Topup platform?

Telecom operators, airtime distributors, fintechs, banks, wallet providers, merchant aggregators, retailers and API resellers can use the platform according to their business model.

Can the platform connect multiple telecom operators?

Yes. The platform can connect multiple operators or aggregators and present their products through one standardized catalogue and transaction layer.

Does the platform support airtime and data bundles?

Yes. It can support fixed-value airtime, variable-value airtime, data bundles, voice packages, SMS packages and other configured operator products.

Can bill payment be included?

Yes. Utility, subscription and other bill-payment services can be added through supported biller, bank or aggregator integrations.

Can we launch customer, agent and merchant applications?

Yes. The solution can include branded customer, agent and merchant applications together with web portals and developer APIs.

Does the platform provide developer APIs?

Yes. APIs can be provided for catalogue discovery, validation, transaction submission, status enquiry, balance enquiry and webhooks.

Can we set different commissions for different operators?

Yes. Commissions can be configured by operator, product, channel, agent level or commercial slab based on the agreed business rules.

Does the platform support agent and distributor hierarchies?

Yes. Configurable distributor, agent and retailer hierarchies can be used to manage product access, limits, pricing and commissions.

How are failed or pending transactions handled?

Transactions maintain processing, successful, failed, reversed or other configured states. Status enquiries, provider responses and webhooks help applications track the final result.

Does the platform support multiple providers for failover?

Yes. Multiple providers can be configured for supported services, with routing and failover rules based on availability, cost or operational priority.

Does the platform include wallet management?

Yes. The solution can support customer, merchant, agent, commission and provider-funding wallets depending on the agreed implementation.

Does the platform include reconciliation?

Yes. Internal transactions can be matched against provider records to identify successful, failed, reversed and unmatched transactions.

Can the platform be deployed on-premise?

Yes. It can be deployed as cloud SaaS, private cloud, on-premise or hybrid infrastructure depending on project requirements.

Can the platform be configured for Afghanistan?

Yes. The platform can be configured for Afghanistan with AFN pricing, local product catalogues, language localization and supported operator or biller integrations.

Does jStack provide E-Topup software development from India?

Yes. jStack provides India-based platform engineering, API integration, application development and implementation services for international telecom and digital-service projects.

How can we request a demonstration?

Submit the enquiry form on this page with your organization and business requirements. The jStack team will contact you to arrange a discovery call or platform demonstration.

AirtimeData BundlesBill PaymentsValue-Added ServicesE-Topup and Bill PaymentsTelecom

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Tell us about your business model, target users and required services. Our team will help identify the applications, APIs, integrations and commercial configuration required for your platform.

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