A detailed outbound plan for innoviti unipay, genie and link: existing customers, target segments, lead sources, approach, and a confidence-ranked lead list.
Prepared for manager review · 14 Nov 2026 · Built from public sources only. All leads to be checked against the internal CRM before outreach.
Enterprise POS payments + revenue assurance. UPI, cards, EMI, mixed mode; multi-acquirer; cash / UPI / card and bank-promotion reconciliation.
For mobile & electronics dealers: brand EMI, IMEI offers, instant cashback, BEAM dealer margin, GenieCash settlement in <15 sec.
Card / UPI / EMI collection by WhatsApp or SMS link, no POS. Zero credit-card MDR; one-time Rs 1,999 KYC fee; 15-sec settlement.
RBL Bank appears twice in the source (settlement partner and EMI Next card lender), so 12 chips cover the 13 entries. Public evidence only (press releases, app "Trusted by" lists, bank releases). App listings also claim 20,000-30,000+ mobile & electronics retailers, 1,000 automotive and 500+ healthcare merchants; numbers differ by listing. Future Group is historic.
RAI ReTechCon, CFO Summit, Kochi Retail Summit: "Live Experience Counter" with the retailer's own recon question
CFO, finance, IT and retail ops. Hooks: revenue leakage, MDR overcharges, recon time
e.g. 5-store, 1-month UPI-backup test. "Several agreed to pilots at the conference"
Chain-wide unipay + add-ons; field service at 50,000+ locations
unipay runs on EDC terminals and connects to billing / ERP. Multi-acquirer, so the merchant keeps its banks. SparcsRAS needs a one-time MDR setup + daily MPR feed; "no hardware changes".
Lender EMI schemes (SKU-level Flexi-Scheme Designer) and brand subvention on one counter workflow. Croma: zero-cost EMI on 2,000+ products. Apollo: debit-card EMI.
A brand programme (Motorola, Samsung BEAM) brings thousands of dealers at once. Self-onboard on app, physical KYC in 48 h, activation in 5 min; state pre-registration drives.
unipay + SparcsRAS + UPI-First
Multi-store retailers with 20+ stores (ideally 100+), sales above ~Rs 200 Cr, several acquirers, high UPI + card mix. Electronics, jewellery, fashion, grocery, healthcare. Pain owned by the CFO.
unipay / genie + brand EMI
Regional electronics, mobile, appliance, furniture, mattress, eyewear, watch and jewellery chains; average ticket above Rs 10k. Promoter, CFO or category head.
genie / link
Mainline mobile and electronics shops, auto / tyre, dental, eye, IVF and aesthetic clinics, jewellery shops. Tickets above Rs 3,000.
genie brand EMI · EMI distribution
Smartphone, laptop, AC and appliance OEMs not yet on the platform; banks / NBFCs not yet lending at Innoviti POS.
| Competitor | What they are (public) | Innoviti's angle |
|---|---|---|
| Pine Labs | Offline POS leader; ~17% offline POS share; brand EMI with 369 brand and 42 credit partners (Dec 2024) | Revenue assurance + AI (SparcsRAS, UPI backup, UPI-First) on payments; multi-acquirer neutrality; sharper dealer programmes; more custom work per enterprise |
| Razorpay POS (ex-Ezetap) | ~600k terminals; 2026 reports say it is scaling back the offline push to focus on omnichannel sellers | Its retreat leaves a gap for merchants wanting an offline-first partner; Innoviti is offline-native with an online PA licence too |
| Paytm (EDC + Soundbox) | Mass-market devices; 1.57 Cr merchant subscriptions (Jun 2026) | Zero credit-card MDR on link, no rental on genie, brand EMI + dealer margins, enterprise reconciliation |
| Mswipe | SME POS player, 600k+ businesses (third-party ranking) | Enterprise logos, AI reconciliation and brand EMI depth |
| PayU, PhonePe, bank POS, Worldline | Online PG, UPI / soundbox, direct bank EDCs | Innoviti sits above the acquirers: routes across banks, reconciles all, adds brand EMI; retailer keeps its banks |
43 named customers; each lookalike is a lead
Store count, cities, Investors page (CFO, CIO)
Store count, revenue, KMP names for listed retailers
Legal name, CIN, directors
Samsung, Motorola, vivo, OPPO mainline dealers by city
ReTechCon, CFO Summit; SANKET report as an opener
"mobile showroom / jewellers + city" for regional chains; no scraping
ET Retail, Inc42, Entrackr: openings and funding as triggers
CFO, Head Retail Ops, Head IT at the 300 accounts (used by a person, not scraped)
Funded D2C brands opening stores
Verified emails and direct dials; check DND / consent first
Load leads.csv; log every touch
| Check | Good sign | Disqualify / park |
|---|---|---|
| Stores / outlets | 20+ (enterprise) or 3+ (regional chain) | Single shop, ticket under Rs 3k (send to link self-serve) |
| Average ticket | Rs 10k+ (EMI fit) or high volume (recon fit) | Very low ticket and low volume |
| Payment stack | 2+ acquiring banks, Pine Labs or bank EDCs, manual Excel recon | Locked multi-year exclusive contract (note renewal date) |
| Pain | MDR disputes, UPI failures, recon backlog, EMI offers not at counter | "No issues" and no growth plans |
| Decision-maker | CFO / Finance Head; Promoter / MD; Head - Consumer Finance | Only a store manager reachable after 3 tries |
| Timing | New stores, festive prep, audit hygiene, contract renewal | Just signed with a competitor |
Confidence = fit with Innoviti's existing customers, ticket size / EMI fit, store count and region (South India scores higher).
Hot = Electronics & mobile (25), Jewellery & watches (34), Big-ticket home & lifestyle (17). Top HQ cities: Mumbai 53, Bengaluru 51, Delhi 27, Hyderabad 26, Chennai 26, Gurugram 20.
| # | Company | Segment | HQ | Size | Confidence | First approach |
|---|---|---|---|---|---|---|
| 1 | Girias | Electronics & appliances | Bengaluru | 175+ stores | 98% | Call + email to promoter/CFO + walk-in HQ |
| 2 | LOT Mobiles | Mobile & electronics | Hyderabad | 150+ stores | 98% | Walk-in at flagship + owner call + WhatsApp |
| 3 | Ample Technologies (Imagine) | Mobile & electronics | Bengaluru | 100+ stores | 98% | Walk-in at flagship + owner call + WhatsApp |
| 4 | Aptronix | Mobile & electronics | Hyderabad | 70 stores | 96% | Walk-in at flagship + owner call + WhatsApp |
| 5 | B New Mobiles | Mobile & electronics | Andhra Pradesh / Telangana | — | 96% | Walk-in at flagship + owner call + WhatsApp |
| 6 | Bajaj Electronics (Electronics Mart India) | Electronics & appliances | Hyderabad | — | 96% | Call + email to promoter/CFO + walk-in HQ |
| 7 | Cellbay | Mobile & electronics | Hyderabad | — | 96% | Walk-in at flagship + owner call + WhatsApp |
| 8 | Happi Mobiles | Mobile & electronics | Hyderabad | — | 96% | Walk-in at flagship + owner call + WhatsApp |
| 9 | Nandilath G-Mart | Electronics & appliances | Kerala | — | 96% | Call + email to promoter/CFO + walk-in HQ |
| 10 | Oxygen Digital Shop | Electronics & appliances | Kottayam | — | 96% | Call + email to promoter/CFO + walk-in HQ |
| 11 | Pai International | Electronics & appliances | Bengaluru | — | 96% | Call + email to promoter/CFO + walk-in HQ |
| 12 | Pittappillil Agencies | Electronics & appliances | Kochi | — | 96% | Call + email to promoter/CFO + walk-in HQ |
| 13 | Poorvika Mobiles | Mobile & electronics | Chennai | — | 96% | Walk-in at flagship + owner call + WhatsApp |
| 14 | QRS Retail | Electronics & appliances | Kerala | — | 96% | Call + email to promoter/CFO + walk-in HQ |
| 15 | Sangeetha Mobiles | Mobile & electronics | Bengaluru | — | 96% | Walk-in at flagship + owner call + WhatsApp |
| 16 | Vasanth & Co | Electronics & appliances | Chennai | — | 96% | Call + email to promoter/CFO + walk-in HQ |
| 17 | Viveks | Electronics & appliances | Chennai | — | 96% | Call + email to promoter/CFO + walk-in HQ |
| 18 | myG Digital | Electronics & appliances | Kozhikode | — | 96% | Call + email to promoter/CFO + walk-in HQ |
| 19 | Kalyan Jewellers | Jewellery | Thrissur | 140+ stores | 95% | LinkedIn + email to CFO, then call |
| 20 | Kushal's Fashion Jewellery | Jewellery | Bengaluru | 100+ stores | 95% | LinkedIn + email to CFO, then call |
| # | Company | Segment | HQ | Confidence | Tier | Approach | Source |
|---|
Click a column to sort, a row for details. Check every lead against the internal CRM before outreach.
| Segment | Lead with | Why approach | Why now |
|---|---|---|---|
| Regional electronics & mobile chains | genie + unipay + brand EMI | Same category as Croma and genie dealers; EMI drives sales | Motorola rollout (Oct 2026); post-festive EMI season; Razorpay pulling back offline |
| Jewellery | unipay + SparcsRAS + link | High tickets, multi-bank recon pain; Tanishq proof | Wedding season (Nov-Feb); gold volatility squeezes margins |
| Furniture, mattress, eyewear, watches | EMI + link + unipay | Big-ticket, EMI-led, many stores | New-store expansion; omnichannel balance payments |
| Fashion, footwear, grocery, QSR | unipay revenue assurance (CFO-led) | Volume makes recon and UPI-First savings large | 2026 AI launches; UPI growing faster than cards (SANKET) |
| Healthcare | link (healthcare) + EMI | Apollo / Manipal proof; high-ticket procedures | Link healthcare product; EMI on treatments |
| Brands / OEMs | genie brand EMI on dealer network | Each brand adds thousands of dealer transactions | Motorola shows IMEI EMI at 25k-store scale |
| Banks / NBFCs | EMI distribution (partnerships team) | Supply side of EMI | In-store PA licence (Jan 2026) |
| Education / travel (Cold) | EMI Next | High ticket | Low priority; nurture only |
10 min: store count, cities, current POS, recent news
Connect with CFO / Head Ops, personal note, no pitch
Segment email with one specific number
10-12 am or 4-6 pm; 30-sec opener; qualifying question
Only to a public / shared number: 2 lines + case link
Regional chains & dealers: flagship visit, one-pager, note POS
Proof: Croma / Motorola / UPI-backup case
Ask for a 20-min demo or 5-store pilot
Engage their post; send SANKET category insight
Reconciliation health check offer (SparcsRAS)
"Shall I close the file?" then park 90 days
"Namaste sir, I'm [Name] from Innoviti, Bengaluru. We run brand EMI for Samsung, Motorola, OPPO and vivo at thousands of mobile stores, and Croma used our platform for zero-cost EMI across 200+ stores. One quick question: when a customer asks for no-cost EMI on a Motorola or Samsung phone, does your billing staff get the right bank offer automatically by IMEI, or do they work it out by hand?"
"Sir, Motorola has just gone live with IMEI-based brand EMI on our genie platform at about 25,000 stores. Settlement is instant, there is no device rental, and there's an extra dealer margin on brand EMI. Can I show you in 5 minutes on your counter?"Call opener · Jewellery
"We power payments for Tanishq and 18 of India's top 20 retailers. Do you know today whether every bank credited the right amount yesterday across all your showrooms?"
Subject: The hidden MDR cost of failed UPI at [Company]
Hi [Name], in our UPI study, ~10% of UPI failures became card transactions within 90 seconds. At 100-store scale that is ~Rs 18 Cr a year in margin. Our AI UPI-backup reroutes before the failure, with no integration and reconciliation unaffected. UPI-First Checkout can save up to ~Rs 2.8 Cr a year per Rs 1,000 Cr of sales (4 top retailers are piloting). Worth a 5-store, 1-month pilot?
– [Name], Innoviti
| Objection | Response |
|---|---|
| "We already have Pine Labs / bank POS." | Keep your banks. unipay is multi-acquirer and sits above them; SparcsRAS reconciles all. Start with a 5-store UPI-backup pilot, no hardware change. |
| "Switching POS is a big IT project." | SparcsRAS needs a one-time MDR setup plus a daily MPR file. Reliance-style dynamic QR ran on existing terminals. |
| "What does it cost?" | Depends on stores, volume and modules: proposal after a 20-min discovery. For link, credit-card MDR is zero with a one-time KYC fee. Never quote enterprise pricing without the rate card. |
| "Our MDR is already low." | Then let's check you are actually charged that rate. SparcsRAS compares every deduction to your contract. |
| "EMI hurts margin." | Brand- and bank-funded subvention covers much of it. With genie, dealers earn extra margin on brand EMI (BEAM). |
| "Customers pay by UPI now." | That's why UPI backup and UPI-First Checkout matter: fewer failures, fewer card fallbacks. |
| "Send me something." | Sure. Which matters more: recon time, MDR, or sales conversion? I'll send the one case that fits. |
| "Is Innoviti RBI-approved?" | Yes. RBI-authorised Payment Aggregator for online (2024) and in-store (Jan 2026). |
| "Not now." | When is your POS contract up, or the next store-expansion budget? I'll follow up then with your category's SANKET data. |