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Merchant Tech
Merchant Tech

Merchant Tech

The platform is an integrated fintech stack that turns local retailers into last-mile financial service points — combining a retailer mobile/web app, a distributor field app, and admin/BI portals into one ecosystem. It bundles payments and banking (AEPS, DMT, MicroATM/MPOS, bill payments), e-commerce, and financial services (loans, deposits, mutual funds, credit cards) on a dual-wallet financial core with real-time settlement, built-in KYC/fraud checks, and full-stack observability. It's offered as a ready-to-deploy platform on a License + Implementation + AMC basis, so partners get a proven, live system without the cost and time of building or integrating one from scratch.
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  1. All-in-one retailer app – AEPS, Aadhaar Pay, MATM, MPOS, DMT, bill payments, recharges, and e-commerce in a single Android app, turning any shop into a financial services point.
  2. 5-minute digital self-onboarding – OCR-based KYC auto-fetches PAN/Aadhaar data, so merchants verify instead of type, cutting onboarding from days to minutes.
  3. Assisted onboarding for non-tech-savvy merchants – Field agents handle KYC, training, and even same-visit MicroATM deployment so merchants can transact on Day 1.
  4. Dual-wallet architecture – Separate "Main Wallet" (spending) and "Cashout Wallet" (earnings) give merchants clear control over working capital.
  5. Flexible wallet loading – UPI, Net Banking, Virtual Account (VAN) auto-credit 24/7, physical cash deposit machines, or distributor cash-to-wallet swaps.
  6. Real-time, on-demand settlement – Merchants can cash out anytime via IMPS/NEFT, or set up automated T+0/T+1 batch settlements.
  7. Human ATM capability (AEPS) – Cash withdrawal/deposit for any bank, balance enquiry, and mini statements using just a fingerprint.
  8. Multi-modal biometric authentication – Fingerprint, face auth, and iris support give merchants flexibility and back-up options for customer verification.
  9. MicroATM & MPOS on one device – A single low-cost Bluetooth device handles card withdrawals and tap-to-pay/chip transactions, minimizing hardware costs.
  10. Domestic Money Transfer (DMT) – Instant 24/7 transfers to any Indian bank account, a key service for migrant worker customers.
  11. Cash Collection Services (CCS) – Merchants earn extra income as EMI/COD collection points for banks, NBFCs, and e-commerce logistics partners.
  12. One-stop bill payment & recharge hub (BBPS) – 20,000+ billers plus mobile/DTH recharges drive repeat daily footfall.
  13. ONDC e-commerce access – Merchants can order from an "infinite aisle" of branded products (Haldiram's, boAt, Croma, etc.) for walk-in customers and earn on referrals.
  14. Cross-sell financial products – CASA, FDs/RDs, loans, mutual funds, KCC, and credit cards via partnerships with HDFC, Muthoot, ABFL, and others — new revenue streams beyond transactions.
  15. Real-time earnings & business dashboards – Merchants get a self-performance view (daily sales, trends, product-wise earnings) right in the app, building trust and engagement.