Transform Your Checkout Experience.
Accept every form of digital paymentāfrom international credit cards to UPIāwith our secure, fast, and portable POS terminals.
Bharat Bankās POS services act as a digital cash register for your business. Our terminals are equipped to handle the latest payment technologies, ensuring you never miss a sale. Whether you need a stationary counter-top unit or a portable Android-based smart terminal, we provide hardware that is PCI-DSS compliant and integrated with NFC (Contactless) technology.
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Free Insurance
Life & Accident Cover
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Digital Services
Mobile Banking, UPI
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Debit Card
Rupay Classic, Platinum
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Personal Service
People-centric Banking
1. Android Smart POS (Flagship)
The most advanced terminal for businesses seeking an all-in-one solution.
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Large Touchscreen: 5-inch HD display for an intuitive interface.
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Omni-payment: One device for Cards (Swipe/Chip/Tap), UPI QR, and Wallets.
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Value Added Services: In-built support for EMI, Loyalty Programs, and GST-compliant digital invoicing.
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Connectivity: 4G/LTE, Wi-Fi, and Bluetooth.
2. Portable GPRS POS
Ideal for home deliveries, pop-up shops, and restaurants (pay-at-table).
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Wireless Freedom: High-speed SIM-based connectivity for pan-India usage.
-
Long Battery Life: Designed to last a full business day on a single charge.
-
Thermal Printer: Instant physical charge-slip generation.
3. Bharat QR & Soundbox
A low-cost, non-hardware alternative for small vendors.
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Zero Maintenance: No machine rentals or paper roll costs.
-
Instant Confirmation: Audio alerts for every successful payment received via UPI or Bharat QR.
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Merchant Benefits
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T+1 Settlements: Funds are credited to your Bharat Bank account on the very next working day, including most holidays.
-
Contactless Ready: "Tap & Go" support for transactions up to ā¹5,000 without requiring a PIN.
-
Advanced Analytics: Access the Merchant Portal to view real-time sales reports, transaction history, and settlement details.
-
24/7 Technical Support: Dedicated helpdesk for terminal troubleshooting and paper roll requests.
-
EMI Facility: Increase your average ticket size by offering instant EMI options to your customers (on selected Credit Cards).
-
Bharat Bank offers competitive Merchant Discount Rates (MDR) based on your business turnover and category.
|
Payment Mode |
Small Merchants (Turnover < ā¹20L) |
Other Merchants (Turnover > ā¹20L) |
|---|---|---|
|
RuPay Debit Card |
0.00% (Zero MDR) |
0.00% (Zero MDR) |
|
UPI Payments |
0.00% (Zero MDR) |
0.00% (Zero MDR) |
|
Other Debit Cards |
Not exceeding 0.40% |
Not exceeding 0.90% |
|
Credit Cards |
1.50% - 2.50% |
1.50% - 2.50% |
Monthly Rental: Nominal monthly rentals apply depending on the terminal type. High-volume merchants may qualify for Zero Rental schemes.
Eligibility & Documents
Eligible Entities:
-
Sole Proprietorships & Partnership Firms.
-
Private & Public Limited Companies.
-
Societies, Trusts, and NGOs.
Documents Required:
-
Identity & Address Proof: Of the proprietor/partners/directors.
-
Business Proof: Shop & Establishment License, GST Registration, or Udyam Aadhaar.
-
Bank Details: A Current or Savings Account with Bharat Bank for settlement.
-
PAN Card: Of the business entity and the authorized signatories.
- How long does it take to get a POS terminal installed?Ā
Once you submit your application and required KYC documents at your home branch, the bank typically processes the request within 3 to 5 working days. A technician will then visit your premises for installation and staff training. - Does the POS machine work during internet outages?
- Android & GPRS Terminals: These come with a built-in 4G SIM card. If your shopās Wi-Fi goes down, the machine automatically switches to the mobile network.
-
Offline Mode: Some of our advanced Android terminals support an "Offline Mode" where transactions are locally authorized and synced once connectivity is restored (subject to transaction limits).
- What is "Settlement"Ā and when will I receive my money?
Settlement is the process where the bank transfers the funds from your daily sales into your account.- T+1 Cycle: Bharat Bank offers T+1 settlement, meaning todayās sales are credited to your account on the next working day (including most bank holidays).
- Batch Closure: For GPRS machines, you must perform a "Batch Closure" at the end of each day to trigger the settlement. Android terminals are often set to "Auto-Settle" at midnight.
- What should I do if a transaction is "Successful" but no slip is printed?
This usually happens due to a paper roll jam or empty roll.- Check History: Go to the "Transaction History" or "Reports" menu on your terminal to verify the status.
- Re-print: Use the "Print Last Receipt" option to generate a duplicate slip once the paper is replaced.
- How do I handle a "Chargeback" claim?
A chargeback occurs when a customer disputes a transaction with their bank.- Action: Bharat Bank will notify you via email/letter. You must provide the signed Charge-slip and a copy of the Invoice as proof of service/delivery within 7 working days.
- Protection: Always ensure the customer signs the slip (for non-PIN transactions) and keep records for at least 12 months.
- Can I accept international cards on my POS?
Yes. Our terminals are enabled for Global Card Acceptance (Visa, Mastercard, Maestro, and JCB). Transactions are swiped in Indian Rupees (INR), and the currency conversion is handled automatically by the cardholder's bank. - Is there a charge for the paper rolls?
Bharat Bank provides the initial set of thermal paper rolls for free. Subsequent rolls can be requested through our toll-free support number or collected from your nearest branch at a nominal cost. - How do I update the software on my Android POS?
The terminal will automatically prompt you when a software update is available. Simply connect the device to a stable Wi-Fi/4G network and click "Update Now." Updates usually take less than 2 minutes and ensure your terminal remains compliant with the latest security standards.
1. Android Smart POS (Flagship)
The most advanced terminal for businesses seeking an all-in-one solution.
-
Large Touchscreen: 5-inch HD display for an intuitive interface.
-
Omni-payment: One device for Cards (Swipe/Chip/Tap), UPI QR, and Wallets.
-
Value Added Services: In-built support for EMI, Loyalty Programs, and GST-compliant digital invoicing.
-
Connectivity: 4G/LTE, Wi-Fi, and Bluetooth.
2. Portable GPRS POS
Ideal for home deliveries, pop-up shops, and restaurants (pay-at-table).
-
Wireless Freedom: High-speed SIM-based connectivity for pan-India usage.
-
Long Battery Life: Designed to last a full business day on a single charge.
-
Thermal Printer: Instant physical charge-slip generation.
3. Bharat QR & Soundbox
A low-cost, non-hardware alternative for small vendors.
-
Zero Maintenance: No machine rentals or paper roll costs.
-
Instant Confirmation: Audio alerts for every successful payment received via UPI or Bharat QR.
-
Merchant Benefits
-
T+1 Settlements: Funds are credited to your Bharat Bank account on the very next working day, including most holidays.
-
Contactless Ready: "Tap & Go" support for transactions up to ā¹5,000 without requiring a PIN.
-
Advanced Analytics: Access the Merchant Portal to view real-time sales reports, transaction history, and settlement details.
-
24/7 Technical Support: Dedicated helpdesk for terminal troubleshooting and paper roll requests.
-
EMI Facility: Increase your average ticket size by offering instant EMI options to your customers (on selected Credit Cards).
-
Bharat Bank offers competitive Merchant Discount Rates (MDR) based on your business turnover and category.
|
Payment Mode |
Small Merchants (Turnover < ā¹20L) |
Other Merchants (Turnover > ā¹20L) |
|---|---|---|
|
RuPay Debit Card |
0.00% (Zero MDR) |
0.00% (Zero MDR) |
|
UPI Payments |
0.00% (Zero MDR) |
0.00% (Zero MDR) |
|
Other Debit Cards |
Not exceeding 0.40% |
Not exceeding 0.90% |
|
Credit Cards |
1.50% - 2.50% |
1.50% - 2.50% |
Monthly Rental: Nominal monthly rentals apply depending on the terminal type. High-volume merchants may qualify for Zero Rental schemes.
Eligibility & Documents
Eligible Entities:
-
Sole Proprietorships & Partnership Firms.
-
Private & Public Limited Companies.
-
Societies, Trusts, and NGOs.
Documents Required:
-
Identity & Address Proof: Of the proprietor/partners/directors.
-
Business Proof: Shop & Establishment License, GST Registration, or Udyam Aadhaar.
-
Bank Details: A Current or Savings Account with Bharat Bank for settlement.
-
PAN Card: Of the business entity and the authorized signatories.
- How long does it take to get a POS terminal installed?Ā
Once you submit your application and required KYC documents at your home branch, the bank typically processes the request within 3 to 5 working days. A technician will then visit your premises for installation and staff training. - Does the POS machine work during internet outages?
- Android & GPRS Terminals: These come with a built-in 4G SIM card. If your shopās Wi-Fi goes down, the machine automatically switches to the mobile network.
-
Offline Mode: Some of our advanced Android terminals support an "Offline Mode" where transactions are locally authorized and synced once connectivity is restored (subject to transaction limits).
- What is "Settlement"Ā and when will I receive my money?
Settlement is the process where the bank transfers the funds from your daily sales into your account.- T+1 Cycle: Bharat Bank offers T+1 settlement, meaning todayās sales are credited to your account on the next working day (including most bank holidays).
- Batch Closure: For GPRS machines, you must perform a "Batch Closure" at the end of each day to trigger the settlement. Android terminals are often set to "Auto-Settle" at midnight.
- What should I do if a transaction is "Successful" but no slip is printed?
This usually happens due to a paper roll jam or empty roll.- Check History: Go to the "Transaction History" or "Reports" menu on your terminal to verify the status.
- Re-print: Use the "Print Last Receipt" option to generate a duplicate slip once the paper is replaced.
- How do I handle a "Chargeback" claim?
A chargeback occurs when a customer disputes a transaction with their bank.- Action: Bharat Bank will notify you via email/letter. You must provide the signed Charge-slip and a copy of the Invoice as proof of service/delivery within 7 working days.
- Protection: Always ensure the customer signs the slip (for non-PIN transactions) and keep records for at least 12 months.
- Can I accept international cards on my POS?
Yes. Our terminals are enabled for Global Card Acceptance (Visa, Mastercard, Maestro, and JCB). Transactions are swiped in Indian Rupees (INR), and the currency conversion is handled automatically by the cardholder's bank. - Is there a charge for the paper rolls?
Bharat Bank provides the initial set of thermal paper rolls for free. Subsequent rolls can be requested through our toll-free support number or collected from your nearest branch at a nominal cost. - How do I update the software on my Android POS?
The terminal will automatically prompt you when a software update is available. Simply connect the device to a stable Wi-Fi/4G network and click "Update Now." Updates usually take less than 2 minutes and ensure your terminal remains compliant with the latest security standards.