The offer infrastructure India's checkout deserves.
Planet description placeholder text.
Electronics
Mobile • Smart TV • Tablet
Travel Luggage
3-pc set
Footwear
Running Shoes
Sofa
Beds • Dining Tables • Cabinets
Wireless Headphone
Music System • Bluetooth Speaker
Laptop
Professional • Gaming • Everyday
Camera
DSLR
Smartwatch
Fitness Band • Wearables
The offer ecosystem is broken at every seam.
Brands, banks, merchants, lenders and aggregators — each solving the same problem, separately.
Five audiences. One core.
Pick your seat at the table. TOSS surfaces a tailored studio, dashboard, and API for each role — while the underlying engine speaks one language.
Your offers run everywhere. Your budget doesn't.
Personalised LOB Offers
Configure by business line, region, store cluster, or customer persona — not a single nationwide blast.
Affordability Stacks
No-Cost EMI, cashback, subvention, exchange and BNPL — combined at one checkout. Protect margin, match competition.
Product Validation
Block or unblock by IMEI or serial number in real-time. Grey-market and parallel-import SKUs stopped before redemption.
Offer Limit
One PAN. One mobile. One store. One limit — centralised across every aggregator, lender, and acquirer.
Campaign Optimisation
Pause, adjust, or relaunch in minutes. Live RoAS dashboards tell you what's working before the budget runs out.
Real-time decisioning. Zero spreadsheet overhead.
Unified Offer Studio
Create, manage, and distribute card, wallet, and BNPL linked offers from a single console — no batch jobs, no ops backlog.
Multi-Rail Acceptance
One offer, every rail — cards, UPI, wallets, and account-to-account. No separate integration per payment type.
Fraud & Abuse Controls
Real-time controls fire before authorization — blocking synthetic spend, promo-stacking, and repeat abuse across every channel.
Personalisation Engine
Serve the right offer to the right cardholder at the right moment — based on spend cohort, BIN, and transaction history.
BIN-Level Targeting
Target by card type, issuer, or product tier. Platinum gets a different offer than Classic — automatically.
Spin up a bank-linked offer in minutes. See redemptions live.
Centralised Offer Studio
Spin up payment-linked or wallet-linked promotions in minutes. No ops backlog, no tech dependency.
Online Storefront
Your in-store offers, online — ready to go with zero integration friction.
Instant Offer Creatives
Branded creatives generated in real-time — ready for in-store display or digital channels the moment your campaign goes live.
Real-Time Analytics
Redemptions, sales uplift, repeat customers — live. Per store, per SKU, per day.
Multi-Cart & Trade-In
Multiple items, trade-in, insurance, and warranty — bundled at one checkout. Larger baskets, less drop-off.
Merchant Loans
Working capital when you need it — repaid as a percentage of daily transactions. No fixed EMI pressure.
One integration. Multiple partners. Live at every checkout.
Single API Across Partners
One TOSS integration — instant exposure to brands, banks, and merchants across India. No bespoke deals, no separate onboarding.
Contextual checkout Loans
Embedded financing at the moment of purchase — inside the merchant's existing flow. No redirects, no drop-off.
Eligibility & Limit Discovery
Pre-qualify customers at the POS with one-time consent. No KYC friction, no abandoned carts.
Unified Settlement
Auto-retries on failure, settlements via partner PAs, regulatory compliance baked in. You focus on lending, not plumbing.
Lender Prioritisation
Brands can prioritise lenders based on supported offer types. Lenders see live conversion data.
Many-to-many offers. One settlement layer.
TOSS Mesh
Many-to-many offer network — brand, issuer, and merchant combinations go live in minutes, not weeks.
Sponsor Matrix
Configure who pays what — brand, bank, lender, or aggregator subvention — per offer, per SKU. No manual splits.
Multi-Party Settlement
Real-time splits, full ownership visibility, financial reporting across discount, subvention, and multi-cart. Every party sees exactly what they owe and own.
Dynamic Fee Module
Real-time fee structures across partners, products, and transactions. Change a fee without a code release.
Reconciliation as a Service
Transaction-level reconciliation across every party, every rail. No spreadsheet. No chasing.
Fifteen capabilities. Composable.
Switch on what you need, leave the rest. Every capability is an independent module with its own API, dashboard, and secure administrative interface.
Multi-Cart
Multiple items in a single transaction — unlock high-value, complex baskets without friction.
Personalisation
Real-time, context-driven offers at every checkout. Cohort + spend behaviour.
Trade-In · Insurance · Warranty
Bundle value-added services at checkout. Higher attach rates, larger deal size.
Top-Up Offers
Dynamic top-up incentives that nudge customers to spend more.
TOSS Mesh
Many-to-many offer network: brands, banks, issuers, merchants.
Tailor-Made Schemes
Fixed, percentage, advance EMI, waivers. Match customer affordability
BNPL on Cards
Instant EMI and pay-later on cards. Higher ticket sizes, lower drop-off.
Instant checkout Loans
Contextual lender loans at the time of checkout.
Merchant-Customer Loyalty
Merchant-owned loyalty programs for repeat purchases.
Global Velocity Control
One PAN, one mobile, one store — one limit. Centralised across geographies.
Dynamic Fee Module
Real-time fee structures across partners, products, transactions.
Settlement & Splits
Multi-party real-time settlement with full ownership visibility.
Real-Time Analytics
Live insights into offer performance, conversions, revenue impact.
Custom Reporting
Tailored reports — formats, delivery, every stakeholder.
Notifications
Contextual, event-driven notifications to merchants and customers.
Architecture built for the real world.
TOSS is a layered platform — each layer purpose-built, each API production-grade.
Get Offers
A filtered, personalized offer list is served to the customer at checkout based on bin, product, customer cohort, and merchant context.
Offer Validation
TOSS's rule engine validates every offer request in real-time — ensuring only eligible offers proceed.
Product Validation
Products are validated and blocked/unblocked dynamically based on eligibility criteria before any purchase completes.
Velocity Check & Authorize
Multi-layer fraud and velocity controls fire before authorization — preventing abuse, synthetic spend, and promo-stacking.
Confirmation & Settlement
A successful purchase creates a transaction record, triggers charge-slip generation, and initiates multi-party settlement with full sponsor reporting.
Two paths. One obvious choice.
Building an offer and affordability platform in-house demands significant time and investment. White-label solutions accelerate deployment but preserve silos. TOSS eliminates both trade-offs.
Build Internally
18–24 months + continuous builds, slow iteration
Complex orchestration, separate builds, limited scale
Heavy engineering dependency
Difficult multi-party coordination, separate tools needed
Manual workflows, error-prone
Custom builds for RBAC, audit, risk
Requires separate data infrastructure, limited visibility
Infra-heavy distraction, high maintenance
Partner with TOSS
RecommendedGo live in weeks, rapid deployment & iteration
Create once, deploy everywhere, full-stack offers (EMI, BNPL, hybrid, personalization)
Highly configurable, low tech dependency
Unified orchestration across banks, brands, lenders + end-to-end onboarding, segmentation, payouts & engagement
Centralized sponsor management + full-stack reconciliation (RaaS)
Granular RBAC, audit trails, risk engine, anomaly detection & velocity controls
Unified real-time Business Intelligence (BI) + live observability
Enterprise-grade High Availability (HA) with BCP/DR support + enables growth, innovation & ecosystem scale
See It Live. Decide for yourself.
Book a 30-minute walkthrough — create, validate, route and settle a real offer flow.