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Retail In-Store & Online Point of Sale

Merchant Payments & QR Infrastructure

Empower retail storefronts and enterprise chains with omnichannel payment collection tools. Generate dynamic UPI QR codes, provide instant voice confirmations with 4G IoT Soundbox devices, and settle merchant funds with zero delay.

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OMNICHANNEL ACTIVE
Merchant Name:Sharma Kirana Store #01
Counter Bill Value:₹850.00 Bound
Dynamic UPI Intent:upi://pay?pa=paywiththem.9812@bank
Payer Apps:GPay, PhonePe, Paytm, BHIM
Payment Status:PAID (UTR: 421098192)
Platform Capabilities

Complete point-of-sale payment suite for modern retail.

Our merchant payment infrastructure combines dynamic and static UPI QR codes with cellular 4G IoT soundboxes and Android POS card terminals to eliminate counter queues and fraudulent payment screenshot scams.

Dynamic UPI QR generation with transaction amount locked to prevent human input errors
Static counter QR standees with branded merchant VPA handles
4G Smart Soundbox with instant audio notifications in 8+ Indian regional languages
Support for all UPI applications: Google Pay, PhonePe, Paytm, BHIM, and banking apps
Real-time transaction webhook telemetry and cashier dashboard sync
Automated T+0 evening bank sweep into merchant current accounts

Infrastructure Specifications

ProtocolRESTful JSON / HTTPS TLS 1.3
Data EncryptionAES-256 GCM at Rest
Idempotency SupportStrict UUIDv4 Key Guarantee
Webhook NotificationsCryptographic HMAC-SHA256
Settlement ModeInstant T+0 / Automated Batches
Why Choose Us

Engineered for reliability, scale & speed.

Deliver seamless experiences to your agents, merchants, and customers.

Fraud Elimination

Instant voice alerts eliminate fake payment screenshot scams during crowded retail counter checkout.

Zero Setup Cost

Generate dynamic UPI QR codes instantly via smartphone app with zero monthly rental fees.

Multi-Language Audio

Soundbox speaks payment confirmations in Hindi, English, Tamil, Telugu, Kannada, Bengali, and Marathi.

Instant T+0 Settlements

All payments collected during the day are automatically swept to the merchant's commercial bank account.

Multi-Counter Ledger

Centralized merchant portal tracks live sales across multiple cash counters and store locations.

Universal Acceptance

Accepts payments from every UPI app, RuPay credit card on UPI, and digital wallet.

Step-by-Step Flow

How the transaction lifecycle works.

01

Counter QR Display

Cashier displays counter dynamic QR with bill amount or customer scans the static QR standee.

02

Customer Scan & Pay

Customer scans using Google Pay, PhonePe, or any UPI app and authorizes via UPI PIN.

03

Real-Time Audio Prompt

4G IoT Soundbox announces payment receipt within 200ms; cashier confirms transaction.

04

T+0 Bank Settlement

Collected funds are automatically credited to the merchant's linked commercial bank account.

Applications

Target use cases & audiences.

Kirana & Grocery Counters

High-Speed Counter Checkout

Eliminating lines and fake payment screenshots during morning and evening rush hours.

Retail Chains & Restaurants

Multi-Store Management

Consolidating payments across hundreds of retail branches into a single corporate ledger.

Pharmacies & Quick Services

Exact Amount Collection

Binding dynamic QR codes directly to electronic billing software for zero cash handling errors.

Security & Compliance

Enterprise-grade financial defense.

Protected by multi-layered encryption, certified hardware modules, and strict regulatory standards.

Bank-Grade Encryption

TLS 1.3 encryption in transit and AES-256 GCM at rest for all transaction payloads.

FIPS 140-2 HSM Vault

Sensitive PIN blocks and biometric PID data are processed strictly in hardware modules.

RBI & NPCI Standards

100% compliant with national operating circulars, data localization, and tokenization rules.

T+0 Audit & Reconciliation

Deterministic idempotency keys and automated transaction ledger balancing.

Frequently Asked Questions

Everything you need to know.

The Soundbox comes equipped with an internal multi-network 4G M2M SIM card that automatically connects to the strongest available cellular tower without requiring store Wi-Fi.
Start Building Today

Ready to power your digital financial operations?

Join thousands of retail agents, digital platforms, and merchants who rely on paywiththem for fast, secure, and compliant financial infrastructure across India.

Paperless Digital Onboarding
Instant T+0 Wallet Settlements
24/7 Dedicated Support