The orchestration layer between merchants and banks
Digiosk connects offline stores and online merchants to multiple banks and payment aggregators at once. We route every transaction to the best available rail and track it until it settles directly into your bank account — we never hold your funds.
- Operating since
- Dec 2019
- Bank & PG partners
- 8+
- Fund holding
- Zero
Incoming transaction
₹1,240
Connected rails
Routed in 42ms · settling directly to merchant account
Four steps from counter to credited
What actually happens between a customer tapping their phone and the money appearing in your account.
Merchant onboarded
One onboarding gets you live across multiple banks and payment aggregators at once, with static QR, dynamic QR, EDC, web plug-in and soundbox provisioned in a single go.
Customer makes payment
The customer pays however they prefer. Digiosk evaluates the live state of every connected rail and routes the transaction through the best available bank or aggregator in real time.
Direct bank settlement
Funds settle straight into the merchant's own bank account. Digiosk never holds the transaction amount — zero float sitting with us, zero counterparty risk sitting with you.
Reconciliation & MIS
Every payment is matched back to its invoice and its bank credit overnight, then surfaced as daily reconciliation reports with a channel-wise breakdown across UPI, cards and wallets.
One platform, end to end
Four systems that work as one — collection, reconciliation, reporting and security.
Every way a customer wants to pay
Digiosk gives merchants a full set of collection tools that all settle directly to the merchant's bank with zero fund holding, and all report into one place.
- Static QR (dual side display)
- Dynamic QR, unique per transaction
- Payment web plug-in
- EDC terminal
- MQTT soundbox
- Multi-bank orchestration
- Zero fund holding
Pick the surfaces that fit your counter
Deploy one or all of them. They share the same routing engine, the same reports and the same settlement account.
Static QR, dual-sided
A single printed code readable from both sides of the counter, which measurably lifts the strike rate at busy tills.
Dynamic QR
A unique code generated per transaction, so the amount is pre-filled and the payment arrives already tied to its invoice.
Payment web plug-in
Drop-in checkout for your online storefront that shares the same routing, reporting and settlement account as your stores.
EDC terminal
Card acceptance across Visa, Mastercard, RuPay and Amex with EMV and contactless, folded into the same reconciliation stream.
MQTT soundbox
Instant audio confirmation on the counter so staff never have to check a phone screen to confirm a payment landed.
See the device range →Good for the back office. Better at the counter.
For the merchant
- End-of-day reconciliation across every channel
- Online and in-store transactions in one view
- Single MIS across company and franchise stores
- Dual-sided static QR improves strike rate
- Dynamic QR cuts reconciliation effort to near zero
- Non-intrusive to your existing billing setup
- A faster, cleaner checkout experience
For the customer
- Safe, contactless ways to pay
- One app that works online and in-store
- Every payment source accepted
- Faster checkout at the counter
- Instant audio confirmation of payment
Stop reconciling payments by hand
Send us a week of your settlement files and we will show you exactly what invoice-wise, till-to-bank matching would have caught.