Your hardware POS program costs ₹10K–₹40K per merchant and takes 3–5 weeks per activation. Uvik's white-label SoftPOS SDK eliminates both. Deploy at scale under your brand in weeks, not quarters.
And it's bleeding revenue, slowing growth, and handing competitors an opening — every month you wait.
A 10,000-merchant hardware POS program takes 4–6 months to deploy and costs ₹20–40 Crore before you earn a rupee. That's before maintenance, replacements, and field service. The unit economics are broken at the foundation. SoftPOS doesn't just reduce cost — it changes what's possible.
₹20K–₹40K per POS terminal makes micro-merchant, kirana, and street-vendor acquisition economically impossible. Your most important growth segment is permanently locked out.
Device procurement → shipping → configuration → training. Every week of delay is merchant revenue you didn't earn and a competitor you let catch up. Speed is the product.
Rural Tier-3 hardware POS distribution is logistically prohibitive. 63 million underserved Indian SMEs remain outside your acceptance network — and your revenue book.
Lost devices, damaged screens, expired certifications, battery replacements. Every terminal is an ongoing liability, not a one-time investment. 8–12% annual attrition is industry standard.
Most SoftPOS vendors lock you into their acquiring switch. Your years of infrastructure investment, negotiated rates, and switch relationships are bypassed entirely.
MPOC, DSS, PIN, S3, SSLC — building and maintaining this certification stack internally costs crores and years. One gap creates scheme-participation risk.
Every certification held. Every scheme live. Your brand, your UX, your business logic — on infrastructure that would take years to build alone.
Deploy the SDK inside your banking or merchant app. Your brand, your relationship. Uvik is invisible infrastructure powering your product.
Works with your existing acquiring switch. Multi-switch support means zero migration risk and full leverage over your negotiated interchange rates.
Merchants complete in-app KYC and start accepting payments the same day. No courier. No hardware. No waiting. Immediate MDR revenue.
MPOC, DSS, PIN, S3, SSLC — maintained by Uvik. Your legal and compliance teams inherit certification, not liability. Zero annual certification overhead.
Quantified outcomes for banks deploying Uvik SoftPOS vs. traditional hardware POS programs.
For a 10,000-merchant deployment program
| Metric | Traditional Hardware POS | Uvik SoftPOS |
|---|---|---|
| Total hardware cost (10K merchants) | ₹20–40 Crore | ₹0 — no hardware needed |
| Time to activate per merchant | 3–5 weeks | 2–5 business days |
| Rural / Tier-3 reach | Logistics bottleneck | App download — instant activation |
| PCI certification burden | Your team's responsibility | Fully managed by Uvik |
| Brand control | Partial — vendor branding | 100% white-label, your brand |
| Annual hardware replacement (8–12% attrition) | ₹1.6–4.8 Crore / year | Not applicable |
| Acquiring switch flexibility | Often locked to vendor switch | Works with any switch you choose |
| Time to 10,000 live merchants | 4–6 months | 4–6 weeks |
Activate kiranas, home-based businesses, and micro-merchants in minutes via your bank app. Eliminate hardware logistics entirely. Run acquisition drives at near-zero marginal cost.
Equip BCs and local agents with SoftPOS on existing Android phones. Accept card payments in villages where hardware POS logistics were never viable. Serve 63M underbanked SMEs.
Deploy SoftPOS alongside working capital loans. Payment transaction data becomes your credit underwriting signal — creating a flywheel that deepens the banking relationship.
Enable field officers to accept loan repayments via card on existing devices. Eliminate cash handling, reduce reconciliation errors, create a clean audit trail for every collection.
Launch a complete merchant app under your brand — SoftPOS, settlement, analytics, and business tools. Uvik is the invisible engine. Your bank owns the merchant relationship permanently.
Pair SoftPOS with Uvik's Card Reader Extension for chip+PIN on high-value transactions. One SDK handles both modes — contactless and card — with no additional certification burden.
Intent-based SDK design means your engineering team integrates in days, not months. Most banks go from contract to live merchants in under 30 days.
Integrate Uvik SoftPOS SDK into your merchant or banking app. Full sandbox from day one. Uvik tech team on standby throughout.
Connect to your existing acquiring switch or ours. Multi-switch architecture means zero disruption to existing infrastructure or negotiated rates.
Merchants download your app, complete in-app KYC, and activate same-day. No hardware delivery. No branch visit. Tap-to-Onboard means instant revenue.
Full production go-live. Accept Visa, MC, RuPay. T+1 SFTP settlement. Dashboard live. Scale from 100 to 100,000 merchants with zero hardware bottleneck.
Every certification, security control, and audit requirement that a bank's procurement committee demands — covered before you sign the first contract.
PCI MPOC, PCI-DSS, PCI-S3, PCI-SSLC, PCI-PIN — the broadest SoftPOS certification profile in India. Maintained by Uvik annually. Zero overhead on your team.
L2 certifications on all three major schemes. Live on Visa, Mastercard, and RuPay in India from day one. AmEx and UnionPay certifications in progress.
Every transaction verified via Play Integrity API. HSM-backed key management, tamper detection, and root/jailbreak detection — audited by PCI-approved labs.
Transaction-level logs, SFTP settlement files, real-time monitoring dashboard, and dispute management flows — built for your internal audit requirements from day one.
Cloud-native SaaS infrastructure built for enterprise availability. 99.9% uptime SLA. Redundant architecture, real-time monitoring, and dedicated technical account management.
Technical account manager from day one. Sandbox-to-production hand-holding, full documentation, and ongoing engineering support throughout your rollout and beyond.
Every week you delay, a competitor acquires the micro-merchants, kiranas, and rural SMEs that should be yours. Uvik deploys in weeks. Your first pilot cohort can be live before your next board review.