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  • Item 2 of 7, Online Payments
  • Item 3 of 7, Value-Added Services (VAS)
  • Item 4 of 7, Resources & Support
  • Item 5 of 7, Partner with Us
  • Item 6 of 7, Contact Us
  • Item 7 of 7, Business Point Login

Value-Added Services

Enhance the level of customer service you are able to offer with a host of our value-added services, designed to add immense benefit to you and your customers.

  • Aadhar Enabled Payment System (AEPS)
  • Bharat Bill Payment System (BBPS)
  • Business Point: Merchant Portal
  • Buy Now Pay Later (BNPL)
  • Cardless Multi Bank / Multi Lender EMI
  • Cash@POS
  • Dynamic Currency Conversion (DCC)
  • ICICI Bank Debit Card EMI
  • Mini ATM
  • Multi Bank Credit Card EMI
  • Payment Acceptance through Amazon Pay
  • Payment Acceptance through MobiKwik
  • Payment POD
  • Tap to Pay
  • Unified Payments Interface (UPI) and Bharat QR stand
  • Kotak Bank Debit Card EMI
  • IDFC First Bank Debit Card EMI
  • Payment Acceptance through JioMoney Wallet
  • No Payment Hold

Aadhar Enabled Payment System (AEPS)

AEPS is a bank led model which allows cash withdrawal at the point-of-sale through biometric authentication.

 

To complete a cash withdrawal transaction, all your customer needs to do is input their fingerprint on the biometric device, which is paired to your cash withdrawal app on your Android smart phone.

Aadhar-Enabled-Payment-System-(AEPS)

How do you benefit?

Offer your customers a safe and seamless cash withdrawal option.

Hassle free convenient and secure cash withdrawal solution which does not require the customer’s card.

How do your customers benefit?

 

01


Withdraw cash seamlessly at their local/favourite merchant establishment.

 

02


No card or documentation required.

 
 

Bharat Bill Payment System (BBPS)

BBPS is an integrated bill payment system offering interoperable and accessible bill payment service to customers through multiple payment modes, and providing instant confirmation of payment.

 

There are over 172+ billers available in 13 different categories including broadband post-paid, gas, loan repayment, DTH, electricity, landline post-paid, mobile post-paid, FASTag, LPG gas, water, life insurance, cable TV and health insurance.

Bharat-Bill-Payment-System-(BBPS)
 
 

Business Point: Merchant Portal

Fiserv – ICICI Merchant Services now gives you easy and instant access to the latest trends and analytics of your business. Business Point, our advanced merchant portal provides detailed reporting and analysis that will help you run your business better.

Business-Point-Merchant-Portal

With Business Point – Premium Package, you gain additional and instant access to:

Your profile details.

Details of your card and digital payment transactions.

Advanced analytics: Spend reports, download centre and much more.

With Business Point -
Elite Package, you gain additional and instant access to:

Service request dashboard on paper roll requests, terminal related queries and so on.

Download statements and reports.

Transactions.

Pending payments.

 
 

Buy Now Pay Later (BNPL)

BNPL is a type of short-term financing which allows your customers to pay a lender in instalments by the end of a stipulated time period, for their purchases at your outlet.

 

 Merchants benefit from offering an additional type of digital payment acceptance, while customers benefit from a low-cost, transparent, and frictionless financial product that enables lightning-fast access to credit, hassle-free credit approval, disbursement, and tension-free repayment plans.

 

BNPL also allows customers to split their bills into parts at little to no cost.

Buy Now Pay Later (BNPL)

How Do You Benefit?

Offer your customers an additional payment option (Buy Now Pay Later).

 11 million active users of Buy Now Pay Later.

Applicable for small ticket size (INR 500/- to INR 20,000/-).

No additional documentation required, transaction is processed as a regular card transaction.

How Do Your Customers Benefit?

 

01


No card or documentation required.

 

02


Transparent & low-cost credit.

 
 

Cardless Multi Bank / Multi Lender EMI

Cardless Multi Bank/Multi Lender EMI is a hassle-free solution where you can offer cardless EMI payments to your customers.

 

On entering your customers registered mobile number (registered with their existing banking/lending partner), your Fiserv – ICICI Merchant Services terminal displays a list of their banking or lending partner relationships, along with the EMI repayment details (tenure and ROI). All your customer needs to do is select their preferred EMI repayment option, while you receive full payment.

Cardless-Multi-Bank-Multi-Lender-EMI

Cardless EMI Can Be Offered to the Below Customers:

  • Axis Bank debit card and asset linked customers
  • Federal Bank debit card and asset linked customers
  • HDFC Bank debit card and asset linked customers
  • Home Credit
  • ICICI Bank debit card and asset linked customers
  • IDFC First Bank debit card and asset linked customers
  • Kotak Bank debit card customers
  • Many more coming soon

How Do You Benefit?

Offer your customers an additional payment option (Apart from Multi-Bank Credit Card EMI).

Hassle free convenient and secure solution which does not require customer card.

No additional documentation required, transaction is processed as a regular card transaction.

How Do Your Customers Benefit?

 

01


Purchase products/services at a tenure and ROI they are comfortable with.

 

02


No card or documentation required.

 
 

Cash@POS

Cash@POS is a unique value-added service, whereby debit card holders can withdraw cash by swiping their debit cards at your Fiserv – ICICI Merchant Services terminal(s).

Cash@POS

How Do You Benefit?

Increase in-store sales while customers visit for cash withdrawal.

Utilize cash sales toward fulfilment of cash withdrawal transactions.

Generate additional revenue by offering cash withdrawal services.

Reduce cost attached to handling cash.

How do your customers benefit?

 

01


Can conveniently and securely withdraw cash from stores in their neighbourhood.

 

02


No need to worry if closest ATM is out of service or cash.

 
 

Dynamic Currency Conversion (DCC)

DCC is a secure and compliant credit card processing solution that provides merchants like you the ability to offer their international customers the choice to pay in their own currency or INR. With DCC you can accept international Mastercard and Visa cards at the point of sale in traditional face-to-face transactions while your customers enjoy the added convenience of paying in the card currency of their choice.

dcc

How Do You Benefit?

Enhanced Revenue

Gain additional income by accepting DCC payments from international customers by sharing in the foreign exchange margin normally recognised by issuers and card schemes.

Differential Offering

Increase the level of service you are able to offer with DCC payments, as over 80 percent of cardholders choose to pay in their home currency when offered.

How Do Your Customers Benefit?

 

01

Increased Customer Service


DCC ensures your international customers enjoy complete price transparency in a familiar currency while making a purchase. There is no additional charge for DCC transactions.

 

02

Customers Choice


Your international customers are given the choice to pay in their home currency with full disclosure of exchange rates and margins or in INR.

 

03

No Additional Cost


Your customers do not pay anything additional with DCC, as the foreign exchange margin typically applied to such transactions by schemes and foreign-issuing banks in the majority of cases will no longer apply.

 
 

ICICI Bank Debit Card EMI

ICICI Bank Debit Card EMI is your customer’s fastest way of obtaining a loan and unique opportunity to instantly upgrade or supplement their purchases in an affordable way.

 

 With ICICI Bank Debit Card EMI, you can now offer flexible payment options for all purchases at your outlet over INR 5,000/- over 3, 6, 9 or 12 months. ICICI Bank Debit Card EMI not only increases your revenue but also enhances the level of customer service you are able to offer.

Online-Payments

How Do You Benefit?

Additional payment option.

Likely increase in the level of customer spending.

Increase in revenue.

Enhanced customer service.

Differentiation from your competitors.

Simple setup with no new systems.

How Do Your Customers Benefit?

 

01


Obtain a quick loan.

 

02


Upgrade and supplement their purchase affordably.

 

03


Flexible payment option for purchases over INR 5000/- (convert to EMI).

 

04


Options to choose EMI tenure over three, six, nine, sixteen, eighteen or thirty-six months.

 
 

Mini ATM

Mini ATM is the ideal solution for businesses that witness a high demand for cash. With Mini ATM, you have the opportunity to earn additional revenue while offering superior customer service. No need to go to the bank to deposit cash. Add ATM customers to increase footfall in shop.

Mini ATM

How Do You Benefit?

Increase in-store sales while customers visit for cash withdrawal.

Utilise cash sales towards fulfilment of cash withdrawal transactions.

Generate additional revenue by offering cash withdrawal services.

Reduce cost attached to handling cash.

How Do Your Customers Benefit?

 

01


Can conveniently and securely withdraw cash from stores in their neighbourhood.

 

02


No need to worry if closest ATM is out of service or cash.

 
 

Multi Bank Credit Card EMI

 Multi Bank Credit Card EMI is your customer’s fastest way of obtaining a loan and unique opportunity to instantly upgrade or supplement their purchases in an affordable way.

 

 With Multi Bank Credit Card EMI, you can now offer flexible payment options over three, six or nine months for all purchases at your outlet. Multi Bank Credit Card EMI not only increases your revenue but also enhances the level of customer service you are able to offer.

 

Partner banks include Axis Bank, Citibank, Federal Bank, ICICI Bank, Kotak Mahindra Bank, HSBC Bank, IndusInd Bank, RBL Bank, SBI Cards, Standard Chartered Bank and Yes Bank.

Online-Payments

How Do You Benefit?

Additional payment option.

Likely increase in the level of customer spending.

Increase in revenue.

Enhanced customer service.

Differentiation from your competitors.

Simple setup with no new systems.

How Do Your Customers Benefit?

 

01


Obtain a quick loan.

 

02


Upgrade and supplement their purchase in an affordable manner.

 

03


Flexible payment option for purchases over INR 1500/- (convert to EMI).

 

04


Options to choose EMI tenure over three, six or nine months.

 
 

Payment Acceptance through Amazon Pay

Amazon Pay is a payment method/wallet customers can use to pay for goods and services at physical stores across the country. Thousands of customers rely on Amazon Pay for their payment needs, thus steadily building a strong customer base.

 

Your customers can experience a faster and convenient checkout, by simply scanning the QR code generated on their Fiserv – ICICI Merchant Services terminal or the ‘IMS Mobile (Merchant Point)’ app.

Payment-Acceptance-through-Amazon-Pay

How do you benefit?

Offer your customers an additional payment option.

Faster and convenient checkout.

Simple & frictionless payment experience by scanning the QR at your establishment.

Access to the large customer base of Amazon.

Earn rewards through various merchant campaigns.

How do your customers benefit?

 

01


Benefit from huge discounts through Amazon coupons & cashback offers.

 

02


Make contactless payments via the Amazon app.

 

03


Option to choose between Wallet balance or UPI when scanned through Amazon app.

 
 

Payment Acceptance through MobiKwik

MobiKwik is a payment method/wallet customers can use to pay for goods and services at physical stores across the country.

 

With thousands of customers shopping and making payments through MobiKwik, MobiKwik is steadily building a strong customer base. MobiKwik is fast becoming the preferred mode of payment due to its world‑class security, fraud prevention and buyer protection.

 

Your customers can experience a faster and convenient checkout, by simply scanning the QR code generated on your Fiserv – ICICI Merchant Services terminal.

Payment-Acceptance-through-MobiKwik

How Do You Benefit?

Offer your customers an additional payment option.

Faster and convenient checkout.

Simply scan the QR code generated on your terminal.

How Do Your Customers Benefit?

 

01


Benefit from huge discounts through MobiKwik cashback offers.

 

02


Added convenience of another payment option.

 
 

Payment POD

With our payment POD, you will get instant voice alerts on every payment you receive from your customers, through your Fiserv – ICICI Merchant Services terminal or QR at your store front.

Payment-POD

How do you benefit?

Instantly receive an audio payment alert through the payment POD.

Also receive a visual payment alert instantly on the payment POD screen. 

Easy integration- Payment POD is equipped with a SIM card, so there is no need for Wi-Fi connection.

Manage transaction confirmation easily.

Easy to place payment POD – Comes with device stand & merchant QR code printed on it.

How do your customers benefit?

 

01


Can seamlessly pay with any debit or credit card on the terminal, or any UPI app of their choice by scanning the QR code.

 

02


Reduced wait time in checkout.

 
 

Tap to Pay

Tap to Pay is a new feature available on the ‘IMS Mobile – Merchant Point’ app, where merchants like yourself can accept card payments upto INR 5000/-, through any Near Field Communication (NFC) enabled Android smart device.

 

To accept card payments, all you have to do is tap and hold your customer’s contactless card on the back of your Android smart device.

Tap-to-Pay

How do you benefit?

Seamlessly accept card payments from all your customers with their contactless cards.

Simply tap and hold the card on the back of your Android smart device to accept card payments seamlessly.

All transactions are data secured per industry standards to protect personal and card information.

 
 

Unified Payments Interface (UPI) and Bharat QR stand

Place the QR stand near the payment counter, so it can be easily scanned by your customers with their smartphone through their respective UPI/Bharat QR apps.

Unified-Payments-Interface-(UPI)-and-Bharat-QR-stand

How Do You Benefit?

Anytime anywhere payment acceptance.

Low risk, secure transactions.

Reduced inconvenience and cost of cash.

Simplified payment experience for your customers.

 
 

Kotak Bank Debit Card EMI

Kotak Bank Debit Card EMI is your customer’s fastest way of obtaining a loan and unique opportunity to instantly upgrade or supplement their purchases in an affordable way.

 

With Kotak Bank Debit Card EMI, you can now offer flexible payment options for all purchases at your outlet over INR 3,000/- over 3, 6, 9 or 12 months. Kotak Bank Debit Card EMI not only increases your revenue but also enhances the level of customer service you are able to offer.

Online-Payments

How Do You Benefit?

Additional payment option.

Likely increase in the level of customer spending.

Increase in revenue.

Enhanced customer service.

Differentiation from your competitors.

Simple setup with no new systems

How Do Your Customers Benefit?

 

01


Obtain a quick loan.

 

02


Upgrade and supplement their purchase affordably.

 

03


Flexible payment option for purchases over INR 3000/- (convert to EMI).

 

04


Options to choose EMI tenure over three, six, nine, or twelve months

 
 

IDFC First Bank Debit Card EMI

IDFC First Bank Debit Card EMI is your customer’s fastest way of obtaining a loan and unique opportunity to instantly upgrade or supplement their purchases in an affordable way.

 

With IDFC First Bank Debit Card EMI, you can now offer flexible payment options for all purchases at your outlet over INR 3,000/- over 3, 6, 9, 12, 18 or 24 months. IDFC First Bank Debit Card EMI not only increases your revenue but also enhances the level of customer service you are able to offer.

Online-Payments

How Do You Benefit?

Additional payment option.

Likely increase in the level of customer spending.

Increase in revenue.

Enhanced customer service.

Differentiation from your competitors.

Simple setup with no new systems

How Do Your Customers Benefit?

 

01


Obtain a quick loan

 

02


Upgrade and supplement their purchase affordably.

 

03


Flexible payment option for purchases over INR 3000/- (convert to EMI).

 

04


Options to choose EMI tenure over three, six, nine, twelve, eighteen or twenty four months

 
 

Payment Acceptance through JioMoney Wallet

JioMoney is a service for individual or entity businesses to accept payments from JioMoney wallet customers. Your customers can experience a faster and convenient checkout, by simply providing the 6-digit code and completing the payment at your outlet from their JioMoney app.

Online-Payments

How Do You Benefit?

Offer your customers an additional payment option.

Secured and encrypted transactions

Faster and convenient checkout.

Simple & frictionless payment experience by entering the dynamic 6-digit code at your establishment.

How do your customers benefit?

 

01


Benefit from huge discounts through JioMoney coupons and cashback offers.

 

02


Make contactless payments via the JioMoney app.

 
 

No Payment Hold

With ‘No Payment Hold’*, merchants like yourself  benefit from the funds never being on hold for all domestic card transactions swiped/dipped/tapped (“card present” transactions)  on your Fiserv – ICICI Merchant Services terminal.

 

You will be assigned a transaction limit for the day/overall, and the payment for these transactions will never be held subject to the terms of the agreement/MPA entered into by you for the services.

 

*No Payment Hold facility offered is at the sole discretion of ICICI Merchant Services and can be revoked at any time if the merchant MIDs are in negative balance, a chargeback%  of greater than 0.5 bps or for other ad-hoc reasons as determined by Fiserv, such as suspicious/fraudulent/unusual activity etc. without any prior notice to you. Further, all rights of ICICI Merchant Services under the terms of the agreement/MPA entered into by you for the services shall continue to apply ‘as is’.

Online-Payments

How Do You Benefit?

No delay in receiving funds.

Simple setup with no new systems.

Ease of reconciliation

Call Us: 1800-266-6545 or 1800-102-1671

Our sales team is available to answer any of your questions.

 

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