Building a Fintech Merchant App for QR Payments, Settlements and Lending

We designed onboarding as a clear five-step journey: business details, store details, bank details, business and KYC proof, and payment preferences. Merchants sign in with their mobile number and OTP, verify their PAN, and the app fetches linked GSTIN details automatically so they do not have to type them. Store photos, Aadhaar images and business documents are captured straight from the phone camera. Bank accounts are verified instantly, with a cancelled cheque upload as a fallback. A progress tracker and "resume journey" option let merchants pick up exactly where they left off.

Many small merchants prefer help from someone they trust. We added an employee-assisted mode where a field executive enters their employee code during sign-up. The code is validated in real time, the merchant is tagged to that employee, and the rest of the journey stays the same. This gave the client one app for both digital-first and relationship-led acquisition.

Once live, merchants see a clean home dashboard with their QR code, today's collections and pending settlements. They can manage multiple QR codes, rename them with aliases, and enable or disable them as needed. Transactions are grouped by date with filters and search, and each payment shows its status, UTR and settlement details. Settlements are split into settled, unsettled and on-hold views, so merchants always know where their money is. Refunds can be started directly from a transaction, and merchants can choose to receive settlements via UPI or bank transfer.

The app surfaces personalised business loan offers based on the merchant's profile. Merchants can check eligibility, enter the amount they need, and apply without leaving the app. A built-in EMI calculator shows the monthly payment, total interest and payable amount before they commit, and a "My loans" section tracks active loans, EMI dates and disbursement details.

Merchants can refer financial products such as personal loans, home loans and credit cards to their own customers. The flow includes product training videos, guidance on whom to sell to, and a clear view of the commission for each product. Customer consent is captured through OTP, after which the merchant can share an application link. Every lead is tracked through created, in-progress, fulfilled and rejected stages, and earnings move from pending to settled. Merchants can also raise GST invoices for their commissions directly from the app.

Merchants can generate QR transaction reports, lead reports and payout reports for any date range and download them for their records. A help and support centre offers searchable FAQs, ticket creation by category, a chat-style ticket timeline, and a one-tap call option. Push notifications keep merchants updated on payments, offers and service messages, and a consent manager lets them review or withdraw their data consent at any time.