Card swipe machine | POS Machine | Innoviti Payment Solutions

Turning payment transactions
into customer acquisition opportunities

For over 12 years, every second, thousands of retail stores small and large, have been using our superior payment solutions to acquire customers faster and easier than traditional means.

USD  0  Billion
Volume processed till date
0 Million
Transactions processed till date

We understand each merchant has a unique
vision about growing their business

Vision converting to money only when a customer pays. We use our deep understanding and years of experience of payments technology to help fuel this vision.
Faster and easier acquisition of customers


Better hunting of paying

Better hunting of paying customers by accessing customers already loyal to brands and banks.

Accessing marketing budgets

Accessing marketing budgets of brands and banks to run joint campaigns with 1/3rd cost of acquisition.

Reduction in back-office work
Reduction in back office work

Lesser support and dispute issues through one interface for multiple payment modes.

Reduction in back office work

Eliminate manual tallying and risk through digital validation of offers and straight through reconciliation with ERP.


Another payment terminal, Another payment gateway,
Another payment app – Yes

But with a difference, that will help you extract better value from every transaction than anyone else. Want to know how?
By bringing the 110 banks and 100 brands on our platform to partner with merchants for payment processing and promotions.
Discount Coupon
By providing you one solution to process QR, credit/debit cards, food and loyalty cards, and other payments.
By enabling innovative combinations of payment, EMI and promotion options to create new and unique offers.

For large merchants, our enterprise grade uniPAYNEXT product is thoughtfully designed to provide innovation at scale.

uniPAYNEXT has been validated for its superior claims on transaction integrity, speed, reliability and security by SOC3 and is India’s only SOC3 certified product. No wonder 16% of all digital payments in India, whether online or offline, in Fashion, Electronics and Food & Grocery happen on uniPAYNEXT.



Designed for large progressive merchants who:
Trusted By

For local mobile merchants, GENIE app uses advanced payments technology to help win back customers from online through better offers.

GENIE’s mobile merchants have increased sales by 23%. No wonder GENIE is growing by 100% month-on-month.


Designed for local mobile merchants who want to compete with online:
Trusted By

Karnika Digital World

Megha Mobiles

New Janatha Mobiles

Apoorva Mobiles

Mobile Palace

Vigneshwara Enterprises

Why choose Innoviti for your business?


Our Vision

Using technology to help merchants large and small get an equal opportunity to fuel their unique vision.


Our Mission

To create products that can help merchants in this journey, through a relentless pursuit of excellence in every aspect of business, be it product design, delivery or support.
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Obsessed with Design

24 patents filed & 2 awarded.

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Obsessed with Excellence

India’s first and only payments company to be awarded SOC3 seal of excellence.

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Obsessed with Support

16*7 real-time assistance with fully integrated and automated support setup.

Partnerships with banks & brands

Bank Partnerships

Bank Partnerships

Banks benefit by using our advanced payment channels to acquire new current accounts and to increase CASA balances on-demand.
They can also accelerate advances through innovative EMI and Buy Now Pay Later schemes designed on the platform and distributed to 70 million consumers across 1000+ cities.

Brand partnerships

Brand partnerships

Brands benefit by using our advanced technology to acquire loyal customers by partnering with banks and merchants whom these customers already trust.
They can open up new customer segments not accessible easily otherwise, accelerating sales with unmatched efficiencies.








Get in touch with us

    Download Brochure

      Credit card EMI uses your credit card limit to convert your purchase into installments. Suppose you make a purchase for Rs. 9,000 on your credit card and while buying select the credit card EMI option with a tenure of 3 months, then the bank instantly converts your purchase to three installments of Rs. 3,000. In the next credit card cycle, instead of paying Rs. 9000, you will need to pay only Rs. 3,000, and continue paying this for 3 months. A nominal interest or processing fee may be charged depending upon the various schemes running at the merchant.

      If you don't own a credit card and would still prefer paying in instalments, you can use your Debit card to make select purchases on EMI.  Your debit card bank may have qualified you, you can check the bank on the same by sending the following SME message to your bank:


      HDFC (Min value is 5 K)

      SMS MYHDFC to 5676712 from your

      Bank registered mobile number, or

      To check your pre-approved eligible limit

      give a missed call to 9643 22 22 22


      AXIS (Min value is 5 K)

      SMS DCEMI<Space>XXXX (last 4 digits

      of your debit card number) to 5616100


      Federal (Min value is 5 K)

      DC<space>EMI to 5676762 / 9008915353

      or missed call to 7812900900


      Kotak (Min value is 8K)

      SMS CDL<space><last 4 digits of your

      Debit Card No> to 5676788


      ICICI (Min value is 5 K)

      SMS DCEMI<space><last 4 digits of

      Debit Card number> to 5676766


      While making the payment, notify the store executive to swipe your debit card transaction in the EMI mode and select a preferred tenure. The transaction will get approved on your bank as per your qualification and converted into EMI for the number of months selected during the transaction.

      Buy Now Pay Later (BNPL) is like using a credit card or getting a loan and repaying in EMI. The only difference being that it is for an ultra-short duration of 15 days to 60 days.

      Merchant will get the money the next working day from the bank.

      Interest costs depend from case to case. For example, in: Zero cost EMI - Customer doesn't pay the interest cost Bank EMI - Customer pays 12 to 15% interest cost depending upon the bank. Buy now pay later scheme (15 days) - Customer pays around 1.16% interest, again depending upon the banks. Buy now pay later (30 days,60 days and 90 days) - Customer pays 2.33%, again depending upon the banks.

      Processing fee is the amount charged by a credit/ debit card issuer to process your customers loan booking. For example, HDFC Bank charges Rs. 199 as processing fee for both CC and DC EMIs.

      IMEI validation is done by entering the IMEI number into the Innoviti terminal which then gets validated by the brand for an authentic product being sold.

      IMEI validation is done for Brand EMI transactions.

      The offers could be on any brand, product, bank card, being offered on any specific dates or any specific SKUs

      SKU promotions start with the cashier scanning SKU, IMEI/ Serial number from the billing POS and entering the amount in the billing POS and then transacting under the "Brand EMI" tender mode.

      As SKU comes directly from the billing POS via scan, it reduces the errors and manual effort of selection to re-enter/select again from the EDC.

      Joint promotions are offers provided to consumers in which two or more parties are bearing the cost of the offer. It is a highly efficient mechanism to reduce the cost of marketing. Small merchants can benefit by getting their name associated with large banks and brands.

      Innoviti has used payments technology in unconventional ways to bring merchants, banks, and brands together and enable them to run joint promotions for their common consumers.
      Innoviti’s uniPAY Next and GENIE products can run instant cashbacks, EMI, upgrade offers and others with two or more parties bearing the cost of it.

      The MDR, or Merchant Discount Rate, is a fee paid by the merchant to its bank for accepting payments card payments. This is typically calculated as a percentage of the transaction value undertaken through credit/ debit cards.

      Merchants can negotiate with banks for better MDR rates. With greater scale, merchants enjoy better negotiation power. You can also reduce MDR using Innoviti’s sophisticated multi-bank routing technology in uniPAY Next.

      Innoviti's uniPAYNEXT multi-bank routing technology automatically routes every card swipe to the bank that will charge the lowest MDR for it.

      Innoviti’s uniPAYNext technology uses an advanced #LookAhead technology to instantly scan the store and bank networks and identifies the best route from the store to the bank to improve transaction reliability. It optimizes speed, cost & reliability based on merchant pre-set rules to select the bank.

      Mismatches between a merchant's daily sales bank card settlements creates unnecessary manual reconciliation work. Innoviti's uniPAYNEXT technology digitally adds the approval code and approving bank name to the billing system enabling automatic reconciliation.

      The reports can be seen on SPARCS, uniPAYNEXT's reporting portal. This comprises of some very useful information like daily settlement receivables from each acquiring bank, store sales by different card issuers or regions or payment tender modes opening new possibilities for joint marketing programmes.

      UPI stands for Unified Payment Interface (UPI), a technology created by National Payments Corporation of India (NPCI). It allows transfer of money from one bank account to another instantly via one's mobile phone. Innoviti supports UPI payment via any UPI app such as Paytm, GPay, WhatsApp Pay, PhonePe through its terminals. To know more, click here.

      You need a Sodexo card issued by your employer. You can use your Sodexo card to pay for your food & grocery purchase on any Innoviti terminal in your F&G store. To know more, click here.

      Innoviti supports all Visa, Master, Rupay cards, UPI, Sodexo, other meal cards, EMI, Buy Now Pay Later Plans and loyalty point redemption through debit cards of banks supported by Loyalty Rewardz.

      How can I get my shop name added to Innoviti’s advertisements on Google?
      Once you sign-up with Innoviti and your GENIE app is installed, your name will automatically get added to the advertisements. It takes between 4 to 5 days for the name to start appearing.
      How can I get my shop name added to Innoviti’s advertisements in banks?
      Once you sign-up with Innoviti and your GENIE app is installed, your name will automatically get added to the advertisements. It takes between 4 to 5 days for the name to start appearing.
      How does GENIE coupon work? On which banks is it applicable?
      GENIE coupon is an instant discount offered by Innoviti to every consumer whose payment is done on Innoviti’s mobile app by the merchant. Customers need to enter their mobile number in the app, they will instantly receive an OTP through SMS/ WhatsApp, entry of this OTP applies the surprise instant discount on the purchase value immediately.
      Example: If your purchase value was Rs. 10,000, and the coupon value is Rs. 500, then your charge-slip will be approved for Rs. 9,500. You save instantly. The merchant gets the full money.
      It is applicable to credit/ debit card holders of 100+ banks in India.
      Does wallet work on refurbished products?
      Yes. GENIE’s EMI wallet can be used to provide zero-cost EMI on refurbished, second- hand and upgrade plans.
      How can I get access to customers qualified for credit by banks?
      Banks work with aggregators to provide access to these customers. Innoviti is a leading aggregator which can provide you with a terminal that will connect to the bank and provide you access to these cardholders.
      In addition, Innoviti in coordination with the bank will promote your store to all the bank’s customers who are pre-qualified.

      Brand EMIs are joint promotion schemes used by merchants, banks, and brands to incentivize a consumer to buy a higher end-product than what they can afford. The purchase is converted into EMI instantly by the bank, with the interest cost being borne by the product brand.

      Innoviti has partnered with 100+ brands including Apple, Samsung, Vivo, Oppo to extend 1000s of such schemes.

      You need to be pre-qualified by your credit, debit card bank to be eligible for Brand EMI. The bank will typically look at your credit card and savings account history to qualify you.

      Innoviti’s technology instantly checks with the bank if you are qualified to approve your Brand EMI transaction.

      Does wallet work on unbranded products?
      Yes. GENIE’s EMI wallet can be used to provide zero-cost EMI on any unbranded electronics product like headphones, power banks, speakers, etc.
      How does BEAM work?
      BEAM (Brand EMI Acceleration Mission) offer gives merchants the option to get sponsored by one of the leading mobile brands that they represent. Innoviti has tie-ups with brands like Samsung, Oppo, Vivo and Xiaomi. Using BEAM, merchants get 1% extra margins on the sponsored brands and 0.5% extra margins on the rest of the brands