Indus Merchant APK: A Complete Guide for Business Owners
If you are a business owner who wants to accept digital payments, manage your banking transactions, and grow your business with easy loans, then you might be interested in Indus Merchant APK. This is a simple and easy to use app that lets you do all these things and more on a single platform. In this article, we will explain what Indus Merchant APK is, how to download and install it, and how to use it for your business.
What is Indus Merchant APK?
Indus Merchant APK is an app developed by IndusInd Bank Ltd. that enables merchants, retailers and professionals to carry out banking transactions digitally, on a single platform. Any current account holder of IndusInd Bank can download the app and start using it anytime and anywhere. A non-customer can even open a current account through a fully digitised process, and get themselves registered as a merchant, almost instantly.
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The app currently has English as default user interface language. This platform is specially designed to facilitate merchants and retailers in industries such as Grocery Stores, Apparel Stores, Pharmacies, Restaurants and Cafes etc. Customer can write on or call at the merchant contact centre number 022-66238000.
Features and benefits of Indus Merchant APK
Indus Merchant APK offers a host of features and benefits for business owners, such as:
All-in-One app: Keep track of all your banking, loan and payments needs.
Easy Pre-Approved Loans: Grow your business in just a few clicks and without any security with a digital loan application and quick disbursal.
One Stop Payment Solutions: Collect payments in-store from customers both digitally with POS, QR code or remotely using PaybyLink.
Paperless Account Opening: Simpler paperless DIY and paperless account opening process quickly gets your business started.
Auto-settlement of payment: Auto-settlement of payment in your account by next morning.
Digital Ledger: Digital Ledger for managing your credit ledger conveniently.
How to download and install Indus Merchant APK?
To download and install Indus Merchant APK on your Android device, you can follow these steps:
Go to and search for Indus Merchant APK.
Select the latest version of the app and click on Download APK.
If prompted, allow the installation of apps from unknown sources in your device settings.
Once the download is complete, open the file and follow the instructions to install the app.
Launch the app and sign in with your IndusInd Bank credentials or create a new account if you are not a customer.
How to use Indus Merchant APK for your business?
Once you have downloaded and installed Indus Merchant APK on your device, you can use it for various purposes such as accepting digital payments, accessing banking services, and getting business loans. Here are some of the ways you can use Indus Merchant APK for your business:
How to accept digital payments with Indus Merchant APK?
Indus Merchant APK allows you to accept digital payments from your customers in various ways, such as:
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Soundbox
Soundbox is a device that connects to your smartphone via Bluetooth and announces the payment confirmation in real time. It also displays the amount and transaction ID on a screen. You can use Soundbox to accept payments from any UPI app, such as Google Pay, PhonePe, Paytm, etc. To use Soundbox, you need to:
Pair your smartphone with Soundbox via Bluetooth.
Generate a UPI QR code on your Indus Merchant app and display it to your customer.
Ask your customer to scan the QR code with their UPI app and enter the amount and PIN.
Once the payment is successful, you will hear a voice confirmation on Soundbox and see the details on the screen.
POS Terminal
POS Terminal is a device that allows you to accept payments from debit cards, credit cards, mobile wallets, and UPI apps. It also prints receipts for your customers. You can use POS Terminal to accept payments from any card or wallet provider, such as Visa, Mastercard, Rupay, etc. To use POS Terminal, you need to:
Connect your POS Terminal to your smartphone via Bluetooth or Wi-Fi.
Enter the amount on your Indus Merchant app and tap on POS Payment.
Ask your customer to insert or swipe their card on the POS Terminal or scan the QR code with their wallet or UPI app.
Once the payment is successful, you will see a confirmation on your Indus Merchant app and POS Terminal. You can also print a receipt for your customer.
Bharat QR / UPI QR
Bharat QR / UPI QR is a code that allows you to accept payments from any UPI app or bank app. It is a simple and secure way of accepting payments without sharing your bank details. You can use Bharat QR / UPI QR to accept payments from any UPI app or bank app, such as Google Pay, PhonePe, Paytm, etc. To use Bharat QR / UPI QR, you need to:
Generate a Bharat QR / UPI QR code on your Indus Merchant app and display it to your customer.
Ask your customer to scan the QR code with their UPI app or bank app and enter the amount and PIN.
Once the payment is successful, you will see a confirmation on your Indus Merchant app.
Payment Gateway
Payment Gateway is a service that allows you to accept online payments from your customers through your website or app. It supports various payment modes such as debit cards, credit cards, net banking, UPI, etc. You can use Payment Gateway to accept online payments from any payment mode supported by IndusInd Bank. To use Payment Gateway, you need to:
Integrate Payment Gateway with your website or app using the API documentation provided by IndusInd Bank.
Create an order on your website or app and redirect your customer to the Payment Gateway page.
Ask your customer to choose their preferred payment mode and complete the payment.
Once the payment is successful, you will receive a notification on your website or app and Indus Merchant app.
How to access banking services with Indus Merchant APK?
Indus Merchant APK also allows you to access various banking services from your smartphone, such as:
Paperless account opening
If you are not a customer of IndusInd Bank, you can open a current account through a fully digitised process using Indus Merchant APK. You just need to provide some basic details, upload some documents, and verify your identity using Aadhaar OTP. You can also choose from various account variants and customise them according to your needs. To open a paperless account using Indus Merchant APK, you need to:
Download and install Indus Merchant APK on your smartphone.
Launch the app and tap on Open Account.
Enter your mobile number and OTP.
Select your account variant and fill in some basic details.
Upload some documents such as PAN card, Aadhaar card, GST certificate, etc.
Verify your identity using Aadhaar OTP.
Review and confirm your details and submit your application.
Once your account is opened, you will receive your account number and other details on your registered mobile number and email ID.
Auto-settlement of payments
With Indus Merchant APK, you don't have to worry about transferring the payments you receive from your customers to your bank account. The app automatically settles the payments in your account by the next morning. You can also view the status of your payments and settlements on the app. To access the auto-settlement feature, you need to:
Launch the Indus Merchant app and sign in with your credentials.
Tap on Payments and then on Settlements.
Here you can see the details of your payments and settlements, such as date, amount, mode, transaction ID, etc.
You can also filter the payments and settlements by date range, mode, status, etc.
Digital ledger
Digital ledger is a feature that allows you to manage your credit ledger conveniently on your smartphone. You can record the transactions of your customers who buy on credit, send them reminders, collect payments, and reconcile your accounts. You can also generate reports and statements for your records. To use the digital ledger feature, you need to:
Launch the Indus Merchant app and sign in with your credentials.
Tap on Ledger and then on Add Customer.
Enter the details of your customer, such as name, mobile number, address, etc.
Tap on Save and then on Add Transaction.
Enter the details of the transaction, such as date, amount, description, etc.
Tap on Save and then on Send Reminder.
Select the mode of reminder, such as SMS, WhatsApp, etc. and send it to your customer.
When your customer pays you back, tap on Receive Payment and enter the details of the payment.
You can also view the summary of your ledger transactions, such as total credit, total debit, balance due, etc.
How to get business loans with Indus Merchant APK?
Indus Merchant APK also allows you to get business loans with ease and convenience. You can apply for pre-approved loans without any security or collateral, get instant approval and quick disbursal, and repay them in flexible EMIs. You can also access one stop payment solutions for all your business needs. To get business loans with Indus Merchant APK, you need to:
Easy pre-approved loans
If you are an existing customer of IndusInd Bank, you can apply for pre-approved loans based on your banking history and credit score. You just need to enter some basic details, choose the loan amount and tenure, and submit your application. You will get instant approval and quick disbursal of funds in your account. To apply for easy pre-approved loans, you need to:
Launch the Indus Merchant app and sign in with your credentials.
Tap on Loans and then on Apply Now.
Enter some basic details such as name, mobile number, email ID, PAN number, etc.
Select the loan amount and tenure from the available options.
Review and confirm your details and submit your application.
You will receive a confirmation message and an OTP on your registered mobile number.
Enter the OTP and complete the verification process.
You will receive an approval message and a loan agreement on your registered email ID.
Accept the loan agreement and get the funds disbursed in your account within minutes.
One stop payment solutions
If you are not an existing customer of IndusInd Bank, you can still apply for business loans through one stop payment solutions. This is a service that allows you to access various payment solutions for your business needs such as POS Terminal, Payment Gateway, Bharat QR / UPI QR, etc. You can also get a loan against the payments you receive through these solutions. You just need to register yourself as a merchant, provide some basic details, and choose the payment solutions you need. You will also get a pre-approved loan offer based on your payment volume and frequency. To apply for one stop payment solutions, you need to:
Download and install Indus Merchant APK on your smartphone.
Launch the app and tap on Register Now.
Enter your mobile number and OTP.
Fill in some basic details such as name, business name, address, PAN number, etc.
Select the payment solutions you need from the available options.
Review and confirm your details and submit your registration.
You will receive a confirmation message and a pre-approved loan offer on your registered mobile number and email ID.
If you want to avail the loan offer, tap on Accept Offer and enter the loan amount and tenure.
You will receive an approval message and a loan agreement on your registered email ID.
Accept the loan agreement and get the funds disbursed in your account within minutes.
Conclusion
Indus Merchant APK is a great app for business owners who want to accept digital payments, access banking services, and get business loans with ease and convenience. It is a simple and easy to use app that lets you do all these things and more on a single platform. You can download and install the app from APKCombo or APKPure and start using it for your business needs. You can also contact the merchant contact centre number 022-66238000 for any queries or issues.
FAQs
Here are some of the frequently asked questions about Indus Merchant APK:
Q: Is Indus Merchant APK safe to use?
A: Yes, Indus Merchant APK is safe to use as it is developed by IndusInd Bank Ltd., which is a reputed and trusted bank in India. The app uses secure encryption and authentication methods to protect your data and transactions. You can also set a PIN or fingerprint lock for the app for extra security.
Q: Do I need an internet connection to use Indus Merchant APK?
A: Yes, you need an internet connection to use Indus Merchant APK as it is an online app that connects to the bank's servers. However, you can also use some of the features offline, such as generating QR codes, viewing transactions history, etc.
Q: What are the charges for using Indus Merchant APK?
A: There are no charges for downloading and installing Indus Merchant APK on your smartphone. However, there may be some charges for using some of the features of the app, such as POS Terminal, Payment Gateway, etc. These charges may vary depending on your account variant, payment mode, transaction amount, etc. You can check the charges on the app or contact the merchant contact centre number 022-66238000 for more details.
Q: How can I update Indus Merchant APK?
A: You can update Indus Merchant APK by visiting APKCombo or APKPure and downloading the latest version of the app. You can also enable auto-update option on your smartphone settings to get the updates automatically whenever they are available.
Q: How can I provide feedback or report a problem with Indus Merchant APK?
A: You can provide feedback or report a problem with Indus Merchant APK by tapping on Feedback option on the app menu. You can also contact the merchant contact centre number 022-66238000 or write an email to merchantcare@indusind.com for any queries or issues. 44f88ac181