In-store Payment Acceptance
Axis Bank’s In-Store Payment Acceptance Solutions offer the best-in-class payment products to help your business expand and reach newer heights. The Payment Acceptance Solutions offered by Axis Bank include Point of Sale (PoS) Terminals, QR based acceptance as well as online payment options. The features of the Payment Acceptance Solutions include universal compliance with up-to-date security features, acceptance of all domestic & international debit, credit and pre-paid cards, prompt payment settlements, on-site support and round-the-clock help desk, dynamic currency conversion facility as well as access to payment reports for ease of reconciliation.
Products
- Wireless solution; Portable, 4G Sim & Wifi
- Works on battery, No set up cost
- Physical & E-Chargeslip
- Audio call out of transaction status
- Deep integration capabilities into Enterprise and third-party data-driven ecosystems via clear APIs and SDKs. Support complex application requirements
- Merchant Portal to view reporting, consumer analytics, and actionable insights
- Single, intelligent, data ware middleware for configuration, personalization, invoicing, and smart routing of transactions
- Accepts Visa, MasterCard, Maestro, RuPay, JCB, CUPI, Amex, Discover and Diners club Cards
- Enabled for acceptance of all Domestic & International Debit, Credit and Prepaid Cards
- Accepts Contactless payments below ₹5,000 without PIN
- Accepts QR Scan & Pay (Including UPI)
- Compliant with latest Card transaction security features
- Enabled with VAS – Khata Book, DCC, Multi Bank/Brand EMI, Sodexo
- Wireless solution, Portable, 4G Sim & Wifi
- Works on battery, No set up cost
- Audio call out of transaction status
- E-Chargeslip only available
- Deep integration capabilities into Enterprise and thirdparty data-driven ecosystems via clear APIs and SDKs
- Merchant Portal to view reporting, consumer analytics, and actionable insights
- Accepts Visa, MasterCard, Maestro, RuPay, JCB, CUPI, Discover, Amex and Diners club Cards
- Enabled for acceptance of all Domestic & International Debit, Credit and Prepaid Cards
- Accepts QR Scan & Pay (Including UPI)
- Accepts Contactless payments below ₹5,000 without PIN
- Compliant with latest Card transaction security features
- Enabled with VAS – Khata Book, DCC, Multi Bank/Brand EMI, Sodexo
A smart & compact solution designed to accept payments swiftly through UPI, Card Tap & Card Insert
- Wireless solution: Portable, 4G Sim & Wifi
- Broadcasts payment success messages in multiple languages
- Enabled for acceptance of all Domestic & International Debit, Credit and Prepaid Cards
- Accepts Contactless without Pin (Amount below ₹5,000)
- Accepts Visa, MasterCard, Maestro, RuPay, JCB, CUPI, Discover, Amex and Diners club Cards
- Accepts QR Scan & Pay (Including UPI)
- E-chargeslip generation via SMS/ QR
- Merchant Portal to view reporting, consumer analytics, and actionable insights
- Compliant with latest Card transaction security features
- Bundled Static QR kit offered with each device
- Voice call of Static QR transactions available
An industry first proposition designed to make accepting payments a breeze through QR Scan & Pay, UPI and NFC Cards
- Broadcasts payment success messages on completion of transactions in 10 languages
- Accepts NFC card payments (Tap & Pay and Tap + Pin) and QR Scan & Pay (including UPI)
- Enabled for acceptance of all Domestic & International Debit, Credit and Prepaid Cards
- Accepts Visa, MasterCard, Maestro, RuPay, JCB, CUPI, Discover, Amex and Diners club Cards
- Accepts Contactless without Pin (Amount below ₹5,000)
- Capable of accepting international card transactions
- No limit on transaction amount as it accepts Tap + Pin transactions
- Generates E -chargeslip
- Wireless solution; Portable, Sim & Wifi
- Works on battery
- Accepts Visa, MasterCard, Maestro, RuPay, JCB, CUPI, Discover, Amex and Diners club Cards
- Enabled for acceptance of all Domestic & International Debit, Credit and Prepaid Cards
- Accepts Contactless payments below ₹5,000 without PIN
- Accepts QR Scan & Pay (Including UPI)
- Compliant with latest Card transaction security features
- Enabled with VAS DCC, Multi Bank/Brand EMI, Sodexo.
- Requires Android Mobile Phone for pairing
- Wireless solution; Portable
- No set up cost, E-chargeslip via SMS
- Deep integration capabilities into Enterprise and thirdparty data-driven ecosystems via clear APIs and SDKs
- Single pane view of reporting, consumer analytics, and actionable insights
- Accepts Visa, MasterCard, Maestro, RuPay, JCB, CUPI, Amex, Discover and Diners club Cards
- Enabled for acceptance of all Domestic & International Debit, Credit and Prepaid Cards
- Accepts Contactless without Pin (Amount below ₹5,000)
- Compliant with latest Card transaction security features
- Value added services available: Transaction history, void transactions, view reports etc.
An interoperable QR based digital payment acceptance solution
- Instant payment notification to Payer & Payee
- Minimal set-up cost and time
- No terminal handling hassles
- No cash / card handling risks
- Reduced chargeback cases due to customer-initiated Push Payment
- ZERO monthly rental for QR Scan & Pay service
- Acceptance of Rupay CC on UPI, PPI wallet on UPI transactions
- Counter: Mom & Pop Shops, Malls, Showrooms, Vending Machines
- Paper Invoice: Utility Bill Payments, Insurance premium Payment
- Display on Package: Payment at the time of delivery, Home Delivery
- TV Screen: Recharge using QR code on TV screen, Teleshopping
Presenting Axis Bank DIGITAL DUKAAN Android Smart POS – A complete solution offering for efficiently managing and digitizing the store with in-built 4G, Wi-Fi machine packed with a wide range of value-added services at an affordable price.
- Operate with Speed: Enjoy hassle-free, instant payments through multiple mode- Credit, Debit card & UPI payments
- Reach out Instantly: Send offers through WhatsApp/SMS.
- Boost Your Reputation: Get Google Reviews effortlessly.
- Quick Coupon: Create, share, and redeem coupons in Quick Pay/Billing cart.
- Central Portal: Monitor all chain stores from mobile or computer.
- No MCC restriction: Solution for all business types
- Digital Dukaan solution bundled with Android POS machine
Digital Dukaan solution variants: Retail Lite & Retail Basic solution
Retail Lite Solution
1. Digital Billing/ Quick Pay: Quick billing with multiple payment modes like Credit / Debit Cards, UPI etc.
2. Offers and promotion: Send ongoing store offers and discounts to regular customers via SMS & Whatsapp
3. Customer management: Manage customer data at one place and offer loyalty options
4. Reports and analytics: Customized real-time business reporting to efficiently manage business
5. Central Portal: Monitor chain stores through single dashboard
Retail Basic solution
In addition to the features of Retail Lite
1. Inventory management: No more hassle of managing stocks manually; get alerts & reminders on limited stocks
2. Catalogue Genie: Pre-loaded inventory with functionality to add products
3. Tokens and Favourites: Create token for Quick service restaurants & Bakery segment
4. Appointments feature: Use appointment feature for service segment-Doctors, consultants etc.
To offer best-in-class experience to our merchants, Axis Bank offers the capability of seamless integration of our payment solutions with merchant’s existing billing or business management software (ERPs).
Partnerships with ERPs, deeply integrated with POS & PG through our TSPs inorder to provide segment bases solutioning to the merchants
The bank also has tie-ups and existing integrations with multiple third-party software providers (ERPs) who provide attractive domain specific features for efficient operational management.
Axis Bank can introduce these partners to the merchant, where the merchant can evaluate and avail these services from the partners as per the requirement
- Hospital & Pharma Management
- Apparels &Textile
- Education institutions
- Housing complex & RWAs
- Religious Institutions
- Hotels & Resorts
- Restaurants & Liquor shops
- Parking & Ticketing
- Liquor shops
- Gyms and Fitness
- Health & Beauty Salons/ Fitness
- Distributors
A flexible payment arrangement enabled by the customer’s financial institution or affiliated brand, designed to support a broad spectrum of purchase categories
Merchant benefit –
- Higher Sales Conversion: EMI boost businesses’ sales as they make high ticket items more affordable
- Higher Average Order Value: Customers tend to buy premium products or additional products as they can pay over a period
- Competitive advantage: Businesses that offer EMI can gain a clear competitive edge over the firms that don’t offer.
Customer benefit –
- Makes high-value purchases affordable:Customers can buy expensive products without paying the full amount upfront.
- No Cost EMI offers: ‘No Cost EMI’, means customers don’t have to pay extra interest, making it even more attractive.
- Opportunity to upgrade: Customers can opt for better or premium products with EMI affordability.
Dynamic Currency Conversion (DCC) allows international cardholders to choose to pay in their home currency at the point of sale.
The transaction flow involves the card being identified, the DCC offer being presented with both local and converted amounts, the customer choosing their preferred currency, and the transaction being processed accordingly.
Merchant benefit –
- Offering the option to pay in their home currency builds trust and transparency.
- DCC makes the business more global-ready, attracting International customers.
- The exchange risk is transferred to the DCC provider. Merchant receives settlement instantly.
Customer benefit –
- Customers know the exchange rate and amount they are liable to pay clearly
- Customers feel more confident as it reduces their confusion around unfamiliar currencies
- Customers can keep track on their expense easily as they are more used to home currency
Axis Bank neo for merchants app is a one stop solution for all merchant needs. It is a single integrated solution for merchants for accepting payments, downloading reports, offers voice notifications and much more. This App simplifies your payment acceptance experience by providing you service and support at your fingertips.
1. Payment acceptance via Dynamic and Static BQR, SMS Pay
2.On-demand view of custom transaction & settlement reports
3.Real time POS transaction callback on the mobile application
4.Instant Voice and Push notifications after each payment
5.User Access management – Owners, manager and cashier
6.POS device related service requests for terminal issues
Download the neo for merchants app now:
Google Play Store: https://play.google.com/store/apps/details?id=com.neo.axis&pcampaignid=web_share
Apple App Store: https://apps.apple.com/in/app/neo-for-merchants/id6479882439
UniPG is a payment gateway solution that offers multiple payment options and various value-added features, all with a single integration.
Your customers can pay from anywhere using any payment mode:
- Debit / Credit Cards
- Wallets
- Internet Banking
- Multibank EMI
- UPI
a. Instant Payment Link
Collect instant payments in a few simple steps. Enter mobile number or email ID on the dashboard and share instant payment links with customers via email, SMS, messenger, chatbot, etc. to receive payments.
b. Customized Payment Page
If you do not have a website, we can build a customised payment webpage with your products and services listed. This page will be enabled to accept instant digital
payments from your customers.
c. Website Integration Kit
If you have a webpage, we can help you integrate your webpage with our payment solution to accept instant digital payments.
- Best in class transaction success rate
- Dedicated customer service and technical support
- Daily MIS for reconciliation
- Holiday settlement
- Dashboard view of transactions and settlement
Accept online payments 'anytime anywhere' with our customized Online Payment Solutions. It offers an excellent uptime and fast transaction processing speed which will help you deliver a superior customer experience everytime.
For more information kindly please visit https://www.axis.bank.in/business-banking/internet-payment-gateway
- Interoperability across Cards and UPI transactions with scan and pay functionality.
- Acceptance of Rupay CC on UPI, PPI wallet on UPI transactions.
- Instant real time voice notification of processed transaction.
- Display of transaction amount on device.
- Voice notification in multiple regional languages is available.
- Device supports WIFI and 4G connectivity.
Documentation
To apply any of Payment Acceptance Solutions offerings, visit your nearest Axis Bank Branch today! Or you can click here to apply and our Relationship Manager will contact you. The eligibility for the same is as follows:
For New Merchant
For Existing Merchant
** Depending on nature of business
To see the complete list of KYC documentation acceptable for availing Merchant services, click here
Fees & Charges
W.e.f 1st July 2021, below Schedule of Charges will be applicable:
Fees & Charges
| Other Schedule of Charges (in ₹)* | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| GPRS | PC POS | Android POS | Pocket Android | mPOS | Soundbox – NFC | Soundbox NFC+Dip Lite | Soundbox NFC+Dip Basic | Bharat QR | Soundbox | (PG) | |
| No Transacting Charges | N. A. | ||||||||||
| Low Transacting Charges | ₹499 for total monthly transaction value upto ₹14,999 and ₹249 for total monthly transaction value between ₹15,000 - ₹29,999 | N. A. | N. A. | N. A. | |||||||
| Lost Terminal / Decal Charges (per terminal / decal) | 11,000 | N. A. | 13,500 | 5,950 | 4,000 | 2,670 | 2,300 | 2,300 | 0 | 2,347 | N.A. |
| Terminal De-installation/Decal Replacement Charges | 450 | N. A. | 450 | 450 | 450 | 450 | 450 | 450 | 0 | 450 | N. A. |
| Paper Statement Charges (per month) (daily) | 100 | N. A. | |||||||||
| Paper Roll Cost**(applicable for Easy plan) | 5 per roll | N. A. | |||||||||
| Back Dated / Duplicate Statement (including international transactions statement) | 100 | N. A. | |||||||||
*GST additional at applicable rates. **Low Transacting Charges will only be charged to merchants with ₹0 monthly rental value.
***Paper Roll will be charged for merchants who are not availing e‑chargeslip. For merchants who are availing e‑chargeslip, this cost will be charged for any paper roll ordered beyond the rolls supplied on a monthly basis by the Bank.
Safe Card Practices
Axis Bank's Merchant In-Store Payment Acceptance Solutions ensure that all your transactions are conducted smoothly and securely. In order to ensure safe card acceptance practices, all of the terminals and systems provided by Axis Bank follow robust payment industry standards along with RBI regulations to ensure absolute compliance. Axis Bank also offers personalised training to all its merchants in safe card acceptance practices. If you would like more details about Axis Bank's safe.
- Security and compliance - All our terminals and systems follow robust payment industry standards along with RBI regulations to ensure absolute compliance.
- Personalised training - Merchants are provided end to end training in safe card acceptance practices. Reach out to our Merchant Helpdesk or your Relationship Manager for more details.
- Refunds of card transactions should only be done through your Acquiring Bank.
- It is recommended to keep an Invoice or Proof of Delivery at hand in case of transaction disputes.
- Do not levy additional surcharge (unless you are a fuel merchant) or you may incur a charge back case and/or the card acceptance provided to you might be withdrawn.
- Try to resolve service related chargeback cases, before referring them to bank for dispute.
- In case of Magstripe cards, do NOT swipe more than once.
- Complete Batch settlement every day to avoid payment related disputes unless your transactions are pertaining to a terminal with auto settlement.
- Do not bypass pin request on the terminal.
- Do not view/remember/copy the cardholder's PIN number and allow them to enter the PIN securely.
- Compare and match the signature on the card with the signature on the charge slip (In case of PIN based transactions, no signature is required from Cardholder).
Frequently Asked Questions
The Payment Acceptance Solutions FAQs provide answers to queries on terminal installation, the different types of cards that can be accepted, the best practices to follow when accepting payments, etc. The FAQs for Payment Acceptance Solutions also feature queries related to additional requirements of POS terminals and other payment options such as the QR code based payment solution and other general queries that business owners have while using the specified payment solutions.
Please click here for terms and conditions for Merchants.
- All relevant risk guidelines have been covered by the field service engineer visiting you
- All test transactions have been done on your terminal and you have fully understood how to do them
- Charge Slips generated after test transaction displays a MID (Merchant ID). This must match the detail printed on your Welcome Letter. Please keep this number handy for future reference
As a Merchant you might receive three types of cards – magstripe cards that have to be swiped, chip cards that have to be inserted and contactless cards that have to be tapped.
Few points you should keep in mind while accepting cards are:
- Use acceptance solutions only for transactions related to business
- Do not refund in cash for purchases made with Card. Your terminal supports a void facility for cancellation of credit receipts
- Provide goods and services to Cardholder immediately or provide or provide invoice stating delivery arrangements basis which goods and services will be provided later on.
- Do not use your own Card in any scenario for a self-credit
- Do not surcharge. Transaction must be done for actual amount / M.R.P
- Do not split cost of a single transaction between multiple receipts and transactions
- Transactions amount must include all charges and taxes levied to customer
When a customer enters their PIN, they should do so privately. Never ask for the PIN. For transactions of ₹5,000 or less using contactless cards, no PIN is required. If a PIN is verified, no signature is needed. Ensure the charge slip clearly shows "PIN verified OK. Signature not required.
In case, the Card doesn’t prompt for PIN, please take signature of the Cardholder on the charge slip. You must ensure that the signature matches the signature on the back of the Card.
The Bank will credit your Axis Bank account or send the funds through NEFT / RTGS to your account maintained with any other bank on the next working day after settlement on the PoS/QR
Merchant Discount Rate is the rate charged to a Merchant by a Bank for providing Debit and Credit Card services. Your Merchant Payment Report (MPR) shall contain all applicable MDR related details for reference. Also, ensure to settle batch on a daily basis ( auto settlement is enabled for mPoS and QR code based acceptance solution). Please ensure to register your email ID with us to receive Merchant Payment Reports/alerts directly.
Please follow the steps below:
Press Sale on the terminal.
Enter the amount.
Depending on the card type:
Swipe the card for magstripe cards.
Dip/Insert the card into the card-dipping slot for chip cards (keep the card dipped until the transaction is complete).
Tap for contactless cards.
Ask the cardholder to enter their PIN if prompted.
A charge slip is generated.
If no PIN is prompted, get the customer’s signature on the merchant copy of the charge slip.
In case your line of business or / and business constitution has changed along with address, contact details or any kind of material change – you must communicate the same to your sales representative or nearest Axis Bank Branch immediately.
If the nature of business and legal entity is same then a request letter would suffice as payments would get credited into existing account. If the nature of business or legal entity differs then new application and agreement has to be signed as well as a new Current Account opened for crediting the proceed. Please contact your sales representative of nearest Axis Bank Branch for installing additional payment acceptance terminal.
Through QR code based payment solution, merchants have the ease of accepting Bharat QR UPI and Cards payments via cardholder’s mobile with the help of a QR code rather than accepting payments via swiping cards on PoS terminal.
QR code mapped to your unique Merchant ID will be displayed at your billing counter. Customer can scan the QR code, enter the billing amount and make the payment. You will get an instant payment notification via SMS. You can generate a unique QR code for each transaction. The dynamic QR code would include the payment amount as well which will be automatically displayed on the customer phone while scanning the QR.
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