Est. 2023 · Turbhe, Navi Mumbai

Navi Mumbai's Most Trusted
Credit Card Cash Service

We are Metakosh Technologies — the team behind PayByLink and Spotcash. Since 2023 we have helped 50,000+ customers convert their credit card limit into instant bank cash, safely and transparently.

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Happy Customers
2023
Year Founded
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Avg Rating
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Satisfaction
Our Story

Built in Navi Mumbai,
Trusted Across India

PayByLink was born out of a simple problem: people with good credit limits often struggle with liquidity. Banks make it expensive and complex to access your own credit. We changed that.

Starting from our office in Turbhe, Navi Mumbai in 2023, we built a simple, transparent process — WhatsApp, pay via link, get cash in 5 minutes. No paperwork, no waiting, no hidden fees.

Today we serve 50,000+ customers across Navi Mumbai — especially in Turbhe, Vashi and Sanpada — and across all of India, with a 4.9-star reputation built entirely on trust and transparency.

Journey

Our Growth Timeline

2023 — Q1
Founded in Turbhe, Navi Mumbai
Metakosh Technologies Pvt Ltd incorporated (CIN: U82990MH2023PTC405178). First credit card cash transactions processed for local customers in Turbhe and Vashi.
2023 — Q3
Razorpay & Cashfree Integration
Integrated premium Razorpay and Cashfree payment gateways, enabling fully digital PayByLink transactions. Processing time dropped to under 5 minutes.
2024 — Q1
10,000 Transactions Milestone
Crossed 10,000 successful credit card to bank transfers. Expanded service coverage to all Navi Mumbai areas including Sanpada, Panvel, Belapur and Kharghar.
2024 — Q3
Pan-India Expansion
Launched fully digital pan-India service. Customers from Mumbai, Pune, Thane, Bangalore, Delhi and across India can now use PayByLink remotely.
2025
50,000+ Customers · 4.9★ Rating
Achieved 50,000+ successful transactions with a maintained 4.9-star customer rating. Navi Mumbai's undisputed #1 credit card cash service.
Values

What We Stand For

Four pillars that guide every transaction we process

🔒
Transparency First
The fee you see is the fee you pay — always. No hidden charges, no surprises, no fine print traps.
⚡
Speed Above All
5 minutes from payment to bank credit. When you need cash urgently, we don't make you wait.
🤝
Customer Trust
4.9★ from 1,247+ real reviews. Trust is earned one transaction at a time, and we protect it fiercely.
📋
Full Compliance
100% RBI compliant. 256-bit SSL encryption. Registered company, audited processes — your money is safe.
Our Products

Two Brands, One Mission

Spotcash and PayByLink — both operated by Metakosh Technologies Pvt Ltd

Spotcash Logo
Spotcash
Main Brand · Est. 2023 · Navi Mumbai
Our flagship brand for credit card encashment services in Navi Mumbai. Spotcash is the parent identity trusted by 50,000+ customers with a 4.9★ rating across all of India.
Visit spotcash.in →
PayByLink Logo
PayByLink
Payment Product by Spotcash
The payment link product powering our transactions. Secure Razorpay & Cashfree powered links for instant credit card to bank transfers at just 2.5% flat fee.
Get Started →
Legal & Compliance

Full legal transparency — we are a registered Indian company operating within all RBI guidelines

Legal Name
Metakosh Technologies Pvt Ltd
CIN Number
U82990MH2023PTC405178
Founded
2023
State
Maharashtra, India
Registered Address
A-144 Shop No 1, Sector 21, Turbhe, Navi Mumbai 400705
RBI Compliance
✓ Via Razorpay & Cashfree
Payment Gateway
Razorpay · Cashfree
SSL Security
✓ 256-bit SSL
📍 BASED IN TURBHE, NAVI MUMBAI

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India's Best Cash Service?

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