Merchant POS Machine | GENIE | Innoviti Payment Solutions

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 fight back with online.
Trusted By


Ashok Sales International, Mysuru

Arihanth Electronics, Mysuru

Manjunath P, Asst. Regional Manager, Oppo


What are the key features of GENIE?

GENIE is designed with unique features for local mobile dealers who want to compete back with online.
Special BEAM scheme
1% extra margin on dealer chosen mobile brand and 0.5% extra margin on all other mobile brands.
Zero cost EMI - GENIE
Zero cost EMI on 60+ brands
Including leading brands like Oneplus, Oppo, Realme, Samsung, Vivo, Xiaomi and many more.
Access to 300 million credit qualified consumers of 18 banks
Customers of all leading banks like Axis Bank, Bank of Baroda, Citi Bank, Federal Bank, HDFC Bank, HSBC Bank, ICICI Bank, J&K Bank, Kotak Mahindra Bank, RBL, SBI Cards, Standard Chartered Bank, Yes Bank.
Who are the pre-qualified consumers? How do I get access to them?
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Instant rewards
Instant rewards up to Rs. 999 on 110+ banks, including regional banks through GENIE coupon
For customers of all leading banks and regional banks including Axis Bank, Bank of Baroda, Citi Bank, Federal Bank, HDFC Bank, HSBC Bank, ICICI Bank, J&K Bank, Kotak Mahindra Bank, RBL, SBI Cards, Standard Chartered Bank, Yes Bank.
How does GENIE coupon work? On which banks is it applicable?
GENIE Coupon is a consumer focused discount offered by Innoviti. Consumers can avail the benefit of GENIE coupon on any purchase done on GENIE terminal. The cost of the discount is borne by Innoviti & the merchant gets full amount. Customers need to enter their mobile number in the GENIE POS terminal while doing any EMI or Non-EMI transactions. They would then instantly receive an OTP through SMS/ Whatsapp. This OTP has to be entered in the GENIE POS terminal to avail the surprise instant discount.
It is applicable to credit/ debit card holders of all banks in India.
Zero cost EMI
Zero-cost EMI on refurbished, upgrades using GENIE EMI Wallet
Second-hand, refurbished and upgrade products.
Does zero-cost EMI on work on refurbished products?
With GENIE, retailers stand to convert more customers by offering zero-cost EMIs on second hand, refurbished and upgrade products as well through GENIE EMI wallet. It comes with a complimentary balance of Rs. 2 Lakhs every month which grows by 20% with every G.E.N.I.E non EMI transaction.
Zero-cost-EMI- GENIE
Zero-cost EMI on unbranded products using GENIE EMI Wallet
Unbranded headphones, power banks, speakers.
How can I use wallet for unbranded products?
Using the complimentary balance of Rs. 2 Lakhs every month on GENIE EMI wallet, you can offer zero-cost EMIs even on unbranded products like headphones, power banks, speakers, etc.
Advertising through banks
Advertising through banks
Bank standees, SMS carrying link to GENIE page with merchant name and details.
How can I get my name added to advertisements?
Innoviti in partnership with various banks and brands promotes GENIE coupons through various media like standees at banks, SMS’s, etc. that carry link to GENIE landing page. Merchant name and other details are mentioned there for the benefit of consumers in your catchment area who want to buy a phone to walk into your store.
Advertising through Google
Advertising through Google
GENIE coupon advertisement to attract customer to GENIE landing page and show GENIE merchants.
How can I get my name added to advertisements on Google?
Innoviti puts out several ads targeting consumers in your catchment area who are searching online for new phones to buy. The landing page from the ad lists merchant name and details for the benefit of the consumer and offers them an GENIE instant cashback coupon of up to Rs. 999 for making a purchase from your store.

What do I get when I buy GENIE?

You grow faster will lesser efforts. What you get as services from Innoviti are:
GENIE app will be installed on your mobile, will give information about the latest offers for consumers. It will also provide sales MIS, information on walk-ins, sales by EMI and Wallet, and also coupons redeemed by consumers.
A GENIE terminal with sophisticated payments software to accept cards.
Access to bank advertisement channel.
GENIE Coupon
Access to Google advertisement channel.
A world-class customer support infrastructure with automation to ensure governance and performance.

GENIE – a silent revolution

Mysuru Patrike article
26th April 2021, Mysuru Patrike, Mysuru
Deccan Herald Mysuru article
21st April 2021, Deccan Herald, Mysuru
Kannada Newspaper Article - GENIE
21st April 2021, Mysuru Diganta, Mysuru

Get in touch with us

    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

    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.

    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.
    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.
    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 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 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.

    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.