Frequently Asked
Questions

Uvik UPoS is India's first and premier SoftPOS solution globally certified specifically for transit fare collection. It transforms standard NFC-enabled Android smartphones into contactless payment terminals, enabling NCMC (National Common Mobility Card) acceptance for metro, bus, cab, and mobility platforms — eliminating the need for dedicated hardware terminals.

The platform operates on a white-label SaaS model, allowing transit authorities, banks, fintechs, and aggregators to deploy the solution under their own brand with complete control over the fare collection workflow.

The platform supports the complete RuPay NCMC transaction stack across both retail and transit contexts:

Yes. Uvik UPoS is built on an offline-first architecture featuring store-and-forward capability — a requirement for in-vehicle and rural deployments where network coverage is unreliable.

This is directly addressed by RuPay Transit Modes 93 and 94 (offline single-tap) and 92 (offline entry-exit), all of which Uvik UPoS is certified for.

Tap-to-Onboard (TTOD) is a digital merchant activation model that eliminates physical logistics for terminal deployment. The process works as follows:

1. The aggregator or transit operator onboards the merchant/operator entity onto their system.
2. The aggregator registers the merchant on the acquiring switch to retrieve a unique MID/TID (Merchant/Terminal ID).
3. Unity's onboarding APIs register the merchant and terminal against that MID/TID.
4. Individual conductors or agents are onboarded via API onto the Uvik system, using the same MID/TID to complete their transactions — no physical key injection or hardware setup required.

This enables a conductor's smartphone to become a live NCMC-accepting terminal in minutes, with no hardware to ship or configure.

Uvik holds a comprehensive enterprise certification stack covering both network/scheme certifications and PCI security standards:

RuPay Terminal Specification V2.0 defines specific terminal profiles for transit acceptance. Uvik is the only SoftPOS vendor certified for all transit modes:

Source: NPCI RuPay Kernel Product List V2.0. No other SoftPOS solution currently holds Transit 91–94 certification.

PCI MPoC (Mobile Payments on COTS) is the PCI Security Standards Council framework that governs the security of contactless card acceptance on commercial off-the-shelf Android devices — i.e., standard smartphones used as payment terminals.

MPoC covers the security of the entire solution stack: the mobile application, SDK, backend server (covered by PCI DSS), PIN entry (covered by PCI PIN), and monitoring mechanisms (covered by PCI SSF-S3 and SSLC). Uvik holds all five of these interdependent certifications in-house.

Note: The Card Reader Extension uses 3DES DUKPT encryption and is separately certified under PCI PTS SCRP 5.x for hardware PIN security.

The Uvik UPoS SDK uses an intent-based integration model — a low-code approach where the partner's Android application triggers payment transactions by launching the UPoS SDK via Android Intent calls, without needing to manage complex payment flows directly.

The integration sequence is:

1. Partner app makes an Intent-based transaction call to the UPoS SDK.
2. Partner app simultaneously calls the Merchant Host to generate an Intent Hash (security token).
3. The Intent Hash is passed to the UPoS SDK to authenticate the request.
4. SDK completes the payment and returns the result to the partner app.

User authentication on the SDK supports MPIN-only, OTP-only, or Biometric + Device Authentication modes, configurable by the deploying partner.

Uvik UPoS (native SoftPOS) requires:

iOS and Windows are not supported — PCI MPoC certification applies exclusively to Android COTS devices.

For fleets using non-NFC Android devices (Android 7.0+), the Uvik Card Reader Extension — a Bluetooth/USB-C peripheral — enables EMV chip-and-PIN and contactless acceptance via the same UPoS SDK. The Card Reader uses 3DES DUKPT encryption and is PCI PTS SCRP 5.x certified.

Settlement and reconciliation flows through the IA-Unity backend via SFTP:

1. Payment Gateway / Acquiring Switch sends settlement files to IA-Unity via SFTP.
2. IA-Unity parses and reconciles transaction data against its records.
3. Reconciled settlement files are pushed to the Aggregator / Transit Operator via SFTP.
4. T+1 settlement is credited to the merchant/operator account.

The UPort dashboard provides shift-wise reconciliation, conductor-level accountability, route-wise analytics, and full audit trails. Real-time transaction monitoring is available via the Monitoring module within IA-Unity.

IA-Unity is the GCP-hosted (PCI DSS) application server that forms the core backend of the Uvik platform. It provides:

Acquiring switch integration supports both REST API-based and ISO 8583 Host-to-Host (H2H) integration patterns. The architecture is switch-agnostic — Uvik can connect to your existing acquiring infrastructure. Partner HSM integration is also supported for partners with on-premise HSM requirements.

A standard deployment — from initial requirements through sandbox integration to a fully tested production fleet rollout — typically spans 6–8 weeks:

Actual timelines subject to partner readiness, lab availability, and network certification schedules. Transit deployments requiring new acquiring switch integrations may have additional lead time.

No. Uvik UPoS completely eliminates the need for legacy POS hardware. Conductors use their existing NFC-enabled Android smartphones (Android 9+) as the payment terminal. Digital activation via TTOD means there are no devices to ship, configure, or physically inject with security keys.

For fleets where conductors use non-NFC devices, the Uvik Card Reader Extension provides a compact Bluetooth peripheral option at a fraction of a full hardware POS cost.

Uvik UPoS is available to enterprise and institutional partners — not directly to individual merchants or conductors. The platform serves:

All commercial enquiries, pricing discussions, and partnership negotiations are handled directly by Rahul Hirve, Founder & CEO at rahul@uvik.in / +91 88845 55449.