KiranaMitra for Business

Give your merchants a platform they use for every sale.

White-label the KiranaMitra merchant experience. Combine fast billing, payment collection, Udhar and merchant intelligence in one daily merchant workflow — under your own brand.

KiranaMitra itemised bill, generated by voice
Real product screen · Bill generated by voice
Own the transaction moment

From QR to Pay by Link — one merchant relationship.

Extend merchant payment acceptance beyond the counter. UPI QR, cash and Udhar work today; Pay by Link and Tap-to-Pay / SoftPoS can be added through SDK integration as part of a white-label deployment.

KiranaMitra UPI QR payment screen
Real product screen · Offline-generated UPI QR
White-label. Enterprise-ready.

Launch your merchant proposition without building it from scratch.

Your brand. Your merchants. KiranaMitra underneath. White-label deployment can be prepared in under a week, subject to integration scope, testing and approvals.

Your BrandLogo, colours, naming, onboarding
KiranaMitra EngineBilling, checkout, Udhar, workflows
Your Merchant EcosystemDistribution, acquisition, relationship
The strategic shift
Banks and fintechs process the payment. KiranaMitra helps you own the merchant's daily transaction experience.

Traditional payment relationships often end at processing and settlement. KiranaMitra moves upstream — into the moment the merchant creates the sale, generates the bill, collects the payment and records the outcome. Not another billing app. A merchant transaction layer.

Traditional payment relationship

  • Merchant acquires a QR code
  • Payment is processed
  • Settlement appears in an account
  • Third-party apps own daily engagement

With KiranaMitra, white-labelled

  • Merchant creates the sale by voice or tap
  • Bill is generated in your branded app
  • Payment is collected — UPI, cash or Udhar
  • Merchant returns for the next sale
The platform

An AI-powered merchant transaction layer — not just billing software.

Voice is the entry point. The strategic value sits underneath: transaction → payment → merchant memory → intelligence. Everything below is part of the same daily workflow.

Live today🎙️
Voice Billing
Speak items in Hindi or Hinglish and create an itemised bill in seconds — no typing.
Live today
Fast Checkout
Voice, tap and quantity controls built for high-frequency, counter-side transactions.
Live today
UPI QR + Cash
Offline-generated, amount-filled UPI QR plus one-tap cash recording in the same flow.
Live today📒
Udhar Memory
Record customer name, phone and credit outstanding — replacing the paper khata.
SDK integration
Pay by Link
Create a payment request for remote or digital collection, subject to integration scope.
SDK integration
SoftPoS / Tap-to-Pay
Card acceptance on compatible Android devices via SDK-led integration for partners.
Consent-based📊
Merchant Intelligence
Structured, consent-based transaction data as an input to your own decisioning.
Consent-based📈
Business Insights
Daily summaries and transaction context surfaced back to the merchant and to you.
Payment acceptance

One merchant. Every way to get paid.

The transaction layer expands from the physical counter to remote and tap-to-pay acceptance — each mode adding to the same merchant relationship, not fragmenting it.

Dynamic UPI QR Cash Udhar Pay by Link · SDK SoftPoS / Tap-to-Pay · SDK
Dynamic UPI QR
Amount-pre-filled QR for fast, low-friction collection at the counter — works offline.
Pay by Link
A payment request for remote collection through digital channels, subject to integration scope.
SoftPoS SDK
Tap-to-Pay / card acceptance on compatible Android devices through SDK integration.
The resulting merchant proposition

Create the bill → collect by QR → accept cash → record Udhar → send a payment link → tap to pay.

Built for distribution

One platform. Every channel with a merchant relationship.

KiranaMitra can be offered through the ecosystems that already reach merchants — under their own brand.

🏦
Banks
Increase merchant engagement, payment activity and opportunities for financial-product cross-sell.
💳
Fintechs & PSPs
Add a daily merchant workflow around your existing financial and payment services.
🔗
Payment Aggregators
Move beyond payment processing into merchant engagement and retention.
🏧
Merchant Acquirers
Create deeper merchant relationships around payment acceptance and transaction workflows.
📑
NBFCs
Use structured merchant transaction information, subject to consent and governance, as an additional business signal.
🏪
Retail Chains
Standardise store billing and payment workflows under the chain's own brand.
🏢
Enterprise Technology Companies
Offer a differentiated merchant platform without building the entire application stack internally.
Why partner with KiranaMitra

Business outcomes, not just features.

01
Faster time-to-market
Launch a merchant proposition on an existing platform instead of a multi-quarter build.
02
Lower product-development burden
Reuse existing billing, checkout and workflow product experience.
03
Reduced execution risk
Build on a platform already operating in production, not a green-field spec.
04
Daily merchant engagement
Sit inside the merchant's workflow at the point of sale, not only at settlement.
05
Stronger merchant retention
A habitual daily tool is harder to displace than a payment instrument alone.
06
More payment acceptance surfaces
UPI, cash, Udhar today; Pay by Link and SoftPoS available through integration.
07
Potential for additional merchant services
A transaction layer creates room for lending, working capital or loyalty services over time.
08
Consent-based merchant intelligence
Structured transaction context, governed by consent — not assumed or inferred silently.
09
White-label differentiation
Your brand stays in front of the merchant at every step.
10
Build on an existing platform
Start from a working product rather than a blank page.
Build vs partner

Everything a merchant platform needs — already built.

Build internally

  • Product discovery & merchant UX research
  • Billing engine
  • Voice interface
  • Payment workflows
  • Offline capability
  • Merchant workflows
  • QA and ongoing product evolution
  • Higher time and execution burden

Partner with KiranaMitra

  • Existing merchant platform
  • Existing workflows and product experience
  • White-label architecture, ready to configure
  • Integration-led implementation
  • Faster deployment
  • Shared product evolution
White-label model

Your brand. Your merchants. Our engine.

The partner controls brand identity, app naming, merchant onboarding, acquisition, distribution and the customer relationship. KiranaMitra provides the underlying platform — subject to commercial agreement and applicable payment, regulatory and technical requirements.

Partner Brand
Logo, colours, naming, merchant onboarding
KiranaMitra Engine
Billing, checkout, Udhar, transaction workflows
Payment & Financial Integrations
UPI, Pay by Link, SoftPoS, partner APIs
Partner Ecosystem
Banks, fintech, PSP, acquirer, NBFC, retail chain
01
Align
Define merchant segment, branding and deployment scope.
02
Configure
Configure the white-label experience.
03
Integrate
Connect required APIs and payment services.
04
Validate
QA, testing and a focused pilot.
05
Launch
Deploy to your merchant network.
White-label deployment can be prepared in under a week, subject to integration scope, testing and approvals.
Live today

From app to intelligent business platform.

A complete backend and control layer is now live — connecting the merchant app directly to a central control plane.

Live today📲
Merchant App
FCM push notifications, in-app notification centre, deep links, WhatsApp bill sharing.
Live today☁️
Cloud Intelligence Layer
Firestore database (Mumbai region), merchant & device registry, transaction data infrastructure.
Live today🎛️
Super Admin Control Centre
Create, send, schedule and cancel notifications — audience targeting, delivery and engagement tracking.
Live today🔐
Secure Infrastructure
Firebase Authentication, Super Admin access control, Firestore security rules, Cloud Functions.
Live infrastructure

1 merchant → 1 registered device → live FCM token → end-to-end notification delivery. KiranaMitra is no longer just a merchant app — it now has the infrastructure to operate, communicate with, and learn from a growing merchant network.

Let's put KiranaMitra behind your merchant brand.

Discuss licensing, white-label deployment, Pay by Link, SoftPoS SDK integration and a focused pilot.

Talk to KiranaMitra ↗

support@kiranamitra.in