mPOS Platform
Everything an mPOS Platform Needs to Perform at Scale
Six core modules purpose-built for acquirers, PSPs, and fintechs deploying mobile payment acceptance at volume.
The Real Problem
Why Traditional POS Fails the Modern Merchant
Fixed POS terminals are expensive, slow to deploy, and tied to a counter. Your merchants operate in markets, on the road, and at events — a hardware terminal doesn't follow them there.
Hardware costs kill small merchant economics
A dedicated POS terminal costs $150–$500 upfront plus a monthly rental fee. For low-volume merchants, street vendors, or seasonal businesses, the math never works — so they stay cash-only.
Fixed terminals mean fixed locations
A delivery agent, field sales rep, or market trader can't carry a countertop terminal. Without a mobile payment option, every out-of-store sale is a lost opportunity — for you and your merchant.
Onboarding traditional POS takes weeks
Ordering hardware, shipping, field installation, and configuration can take 2–4 weeks. By the time the terminal arrives, the merchant has signed with a competitor who got them live in days.
Fragmented acceptance modes
Customers want to pay with cards, UPI, QR, wallets, and wearables. Managing a separate device or app for each payment method creates friction and increases support costs for your operations team.
Compliance burden with every hardware model
Every new POS terminal model requires separate EMV certification, key injection, and PCI-DSS audit coverage. Managing a fleet of different hardware versions is a compliance nightmare at scale.
No visibility into mobile merchant transactions
When merchants use third-party apps or cash, you lose transaction visibility entirely. Without an mPOS platform under your brand, you can't monitor volume, catch fraud, or upsell settlement services.
Everything an mPOS Platform Needs to Perform at Scale
Six core modules purpose-built for acquirers, PSPs, and fintechs deploying mobile payment acceptance at volume.
NFC & CONTACTLESS ACCEPTANCE
Accept Any Tap. From Any Device. Every Time.
Accept payments via NFC-enabled credit/debit cards, smartphones (Google Pay, Apple Pay), and wearables — with a single tap on any supported device. One integration covers every contactless payment method your merchants need.
- Visa, Mastercard, RuPay, Amex contactless cards
- NFC wallet: Google Pay, Apple Pay, Samsung Pay
- Wearable support: smartwatches, bands, NFC rings
- Instant approval feedback on merchant screen in under 1.5 seconds
- EMV Level 1 & 2 certified — meets all scheme compliance requirements
WHITE-LABEL MERCHANT APP
Your Brand. Your App. Full mPOS Capability.
Deploy your own branded mPOS app to merchants on Android and iOS. Merchants see your brand, not ours. Full feature set with your color palette, logo, and support channels — ready for app store listing under your name.
- Android & iOS with your branding, logo, and color scheme
- Custom domain & app store listing under your publisher account
- Multi-language and multi-currency support out of the box
- In-app merchant dashboard: volume, approvals, settlement status
- Push notification support for payment alerts and settlement updates
BLUETOOTH CARD READER INTEGRATION
Pair Any Card Reader. No Manual Configuration.
Pair external Bluetooth card readers to any merchant smartphone to enable EMV chip + PIN and magnetic stripe acceptance where NFC isn't available. Automatic pairing means merchants are live in seconds.
- 30+ Bluetooth reader models supported across major vendors
- EMV chip, magnetic stripe & PIN capture — full card present compliance
- Automatic pairing — no manual config or technical setup required
- Encrypted card data never stored on the merchant device
- Works alongside NFC — reader activates only when needed
REAL-TIME ANALYTICS DASHBOARD
Live Transaction Intelligence. For You and Your Merchants.
Give merchants and your ops team live insight into transaction volume, approval rates, average ticket size, and chargeback trends — from the mobile app or a web console. Every data point, in real time.
- Live transaction feed with filters by date, amount, and status
- Daily, weekly, monthly revenue charts per merchant or outlet
- Decline rate alerts and anomaly flagging
- CSV export for accounting integration
- Settlement status tracking with payout timeline visibility
How it Works
A Payment in Four Steps. Live in Under 2 Minutes.
From merchant tapping the app to customer walking away with a receipt — the entire mPOS flow is designed to be invisible to both parties.
Merchant Opens App
The merchant opens the DigiPay mPOS app, enters the transaction amount, and selects the payment mode — or simply taps "Request Payment" and the app handles the rest.
Customer Taps or Scans
The customer taps their NFC card, wallet, or wearable — or scans the QR code displayed on screen. The request is instantly sent to the payment network and acquiring bank.
Instant Authorization
The acquirer processes the transaction in real time. The merchant sees "Approved" on their screen in under 1.5 seconds. Declined transactions show a clear reason code immediately.
Digital Receipt Delivered
The customer receives an e-receipt via SMS, email, or WhatsApp. The merchant's transaction log updates instantly. Settlement runs on the configured T+0 or T+1 cycle.
Payment Acceptance Modes
Every Way a Customer Wants to Pay. Covered.
From tap-to-pay NFC cards to QR codes and digital wallets — your mPOS platform handles all acceptance modes from a single app and single integration.
Digital Wallets & Wearables
Accept payments from any NFC-enabled digital wallet or wearable device. Your merchants can take payment from customers who've left their physical card at home — just a tap of the phone or watch.
- Google Pay, Apple Pay, Samsung Pay
- Smartwatches, fitness bands, NFC rings
- In-app payment triggers for delivery apps
- Instant approval feedback on merchant screen
Contactless Cards & QR
Accept NFC contactless cards with a tap, chip cards via paired Bluetooth reader, and QR-based payments. One app handles every card scheme and every QR standard — static and dynamic.
- Visa, Mastercard, RuPay, Amex NFC tap
- Chip + PIN via Bluetooth card reader
- UPI QR (static & dynamic), BHIM, PhonePe
- Magnetic stripe via mReader fallback
Who It's For
Built for Every Organization Deploying Mobile Payments
Explore the Platform
mPOS Is Part of a Complete Acquiring Ecosystem
DigiPay.Guru's mPOS Solution connects natively with the rest of our payment infrastructure — no glue code, no data silos.
POS Acquiring Platform
Manage your full POS terminal estate alongside mPOS deployments — inventory, deployment, device monitoring — from one unified console.
Learn moreMerchant Management System
mPOS merchants are registered in the MMS hierarchy. Fee rules, outlet profiles, and KYC status propagate automatically — no double configuration.
Learn moreMerchant Acquiring Platform
All mPOS transactions settle through the Merchant Acquiring Platform — full authorization, clearing, and multi-party settlement built in.
Learn moreLaunch Your mPOS Product Line
Every Merchant. Every Device.
Every Payment Method.
Join banks, PSPs, and fintechs who've expanded their acquiring reach with DigiPay.Guru's white-label mPOS platform — without building payment infrastructure from scratch.
Frequently asked questions
Read our insightful blogs!
Stay updated with the latest trends and innovations in finTech with our insightful blogs.
Let's Talk! Have Questions? We’re Here to Help....
Fill all your details in the form and one of our business consultant will get in touch you within 24 hours.
2019
Founded in
120+
In-house Tech experts
15+
Country served
100k+
Customers Achieved by our clients
10+
Paytech leader partnerships
8+
Fintech Platforms Introduced