Digital Payment for Kirana – UPI, Cards, Cash Balance

More customers pay by UPI or card. Kirana shops need to adapt.

UPI

Easiest. Phone + QR code. No hardware. Small MDR (or zero for some apps). Instant credit. Most kirana already use this.

Card Machine

Required for card payments. Banks and fintechs offer portables. MDR 1–2%. Useful for higher-value purchases.

Cash Still Matters

Many customers, especially older or in smaller towns, prefer cash. Keep change. Don’t refuse cash. Balance both.

Reconciling

Digital payments show in bank. Cash goes in drawer. At day end, reconcile: total sales = cash + UPI + card + udhar. An app that records payment mode helps.

Stockkeeper for sales tracking. Join the waitlist.