The AI-Powered Relationship Manager for Every MSME
ToneTag eKosha transforms every merchant counter into a banking touchpoint, enabling banks to engage, serve, support, and grow merchant relationships through simple voice interactions.
EXPANDING THE BANKING NETWORK
A New Banking Touchpoint. Built Into Your Existing Network.
eKosha complements your existing service channels by extending banking access into everyday business interactions.
Branches
In-person banking
Call Centres
Assisted customer support
Apps
Digital self-service banking
Field Teams
Relationship-led engagement
One Device. Endless Banking Possibilities.
ToneTag eKosha enables banks to deliver everyday banking services to MSMEs through natural voice interactions.
Balance Enquiry
Account statements
Settlement status
Loan & overdraft
Fixed deposits
Product offers
Service requests
Multilingual support
THE PLATFORM
From Payment Device to Banking Endpoint
One device. Four core capabilities working together to create a full banking touchpoint at every merchant counter.
Merchant Engagement
- Push notifications
- Personalized offers
- Daily engagement layer
Banking Services
- Balance, statements, settlements
- Loan & overdraft access
- Fixed deposits & product offers
Query Resolution
- Level 1 queries answered instantly
- No call centre dependency
- Context-aware voice responses
Multilingual
- Hindi, Tamil, Marathi & more
- No digital literacy required
- Voice-first, no typing or app
BUSINESS OUTCOMES
Measurable Impact From Day One
ToneTag eKosha turns every transaction into an engagement opportunity with clear, trackable outcomes for your bank.
0
%
Servicing Cost
Reduce reliance on call centres and expensive field visits
0
x
Product Uptake
Daily engagement creates natural cross-sell moments
~
0
%
~
0
% and below
Merchant Attrition
Always-on presence builds loyalty and reduces attrition
Richer Data
Credit Intelligence
Daily voice interactions generate richer behavioural insights for smarter lending decisions
New Opportunities
Revenue Streams
Deliver loans, deposits and advisory through infrastructure already deployed
Smarter Decisions
Actionable Insights
Real-time merchant data for better targeting and servicing
FOR EVERY MSME
Make Banking More Accessible
Simple voice conversations. Their language. Their counter. Everyday banking, made effortless.
Instant Answers
Level 1 banking queries answered at the counter in seconds
Always Accessible
Banking services at the counter, in any language, any time
Financial Growth
Proactive loan offers, scheme updates and account advisory delivered daily to build trust and financial capability
Direct Channel
Inform, Assist, Engage.
Reach MSMEs during their everyday business interactions. Use ToneTag eKosha to deliver:
No App
No Calls
Always available
An AI-Powered Relationship manager at the counter
Give every MSME access to an AI-powered banking assistant, always available when they need it.
- Increase product awareness
- Drive cross-sell opportunities
- Surface lending insights daily
- Improve service accessibility
- Deepen merchant engagement
- Stay connected every single day
SEE IT IN ACTION
ToneTag eKosha Demo Videos
Watch how the Device works at the counter, from a real voice-banking interaction to a full merchant walkthrough.
Support at the Counter
See how merchants receive instant banking support through simple voice interactions right at the counter, without visiting a branch or calling a helpline.
Branch Services at the Counter
Discover how everyday banking services from balance enquiries to loan offers and fixed deposits are delivered seamlessly at the merchant's counter.
The Bank That Speaks
Experience banking that listens, understands and responds naturally making financial services as simple as having a conversation.
Explore eKosha
Products & Use Cases
Watch how eKosha enables everyday banking at the merchant counter through simple, voice-powered interactions.
Banking Assistance at Every Counter
Branch Service's at the Counter
The Bank that Speaks
Banking Made Multilingual
24×7 Banking Support for MSMES
Get Started
ToneTag eKosha. A New Growth Engine for Every Bank.
Ready to add a new banking touchpoint to your existing network?
- Response within 24 hours
- Tailored pilot programme for your bank
- No new infrastructure required
- BIS certified bank-grade security
Frequently Asked Questions
Q1: What is ToneTag?
ToneTag is a Bengaluru-based deeptech company that builds sound-based payment and communication technology for banks, payment networks, and enterprises. Founded in 2013, ToneTag has grown into the most trusted AI soundbox manufacturer India has produced, with its proprietary protocol powering over 25 million daily transactions across more than one million deployed soundboxes. The company holds global patents and maintains active partnerships with leading Indian banks, global card networks, and major digital payment platforms. ToneTag’s product range spans proximity payments, agentic AI payments, IoT payments, and a full lineup of AI soundbox devices purpose-built for the Indian banking and payments ecosystem. For any bank or payment provider searching for a proven AI soundbox India can rely on at scale, ToneTag is the name that consistently comes up.
Q2: What products does ToneTag offer?
ToneTag’s flagship product is eKosha, the most advanced AI digital payment device in its lineup. eKosha combines conversational AI with on-device intelligence, allowing merchants to interact with the device through natural voice commands in their own language. From payment confirmation to loan eligibility checks, settlement tracking, and accessing bank offers, everything happens through a simple voice conversation with the device, no apps, no typing, no digital literacy required. Beyond eKosha, ToneTag also offers the RetailPod 2.0 and RetailPod 3.0 for payment acceptance, the DynamicPod 2.0 all-in-one terminal with dual displays, and VoiceSe, a voice-based UPI service for feature phone users. For banks and UPI platforms evaluating an AI soundbox for business-scale deployment across merchant networks, eKosha represents ToneTag’s most capable offering.
Q3: What payment methods does ToneTag support?
ToneTag supports UPI, UPI 123Pay (for feature phone users), CBDC (Central Bank Digital Currency), interoperable QR codes, and sound-based contactless payments. eKosha provides AI enabled payment acceptance across all of these modes on a single device, making it a comprehensive AI payment solution for Indian merchants who need to accept payments from customers on any UPI-compatible app. All payment modes work end-to-end from initiation to confirmation without any external infrastructure dependency.
Q4: What features should I look for in an AI soundbox?
When evaluating an AI soundbox for shop or retail deployment, look for these core capabilities:
- Multi-language voice interaction so the merchant can speak naturally without any digital literacy requirement
- On-device AI processing for speed, offline reliability and lower per-interaction cost
- Multi-mode payment acceptance covering UPI, QR, CBDC, and cards
- Built-in financial services such as settlements, loans, account statements, and offers
- BIS certification for regulatory compliance in India
- 4G and WiFi connectivity for uptime across locations
- A centralized management dashboard for fleet monitoring.
The ToneTag AI soundbox features all of these in the eKosha model, making it one of the most feature-complete options available whether you need an AI soundbox for retail store chains or an AI soundbox for small business merchants in semi-urban and rural areas.
Q5: Which AI soundbox gives payment confirmation across all UPI modes?
eKosha gives payment confirmation across UPI, UPI 123Pay, CBDC, and interoperable QR on a single device. For merchants and AI soundbox for shop environments that need one terminal covering all major payment modes without juggling multiple devices, eKosha provides a unified solution. Its sound-based contactless technology also supports feature phone users through ToneTag’s VoiceSe service. Combined with voice-based banking services and on-device AI, eKosha goes well beyond what standard payment soundboxes in the market currently offer.
Q6: How can I buy a ToneTag eKosha merchant banking box online?
Banks, UPI service providers, and payment aggregators looking to deploy eKosha across their merchant networks can reach out through the ToneTag website (tonetag.com/contact) or contact the partnerships team directly for pricing and pilot programs. Individual merchants interested in an AI soundbox buy online option should check with their bank or payment provider about eKosha availability in their region. Whether you want to AI soundbox buy online for a single location or explore ToneTag AI soundbox price tiers for a multi-city rollout, the ToneTag AI soundbox team can tailor a deployment plan to your requirements.
Q7: Can I place a bulk order or wholesale order for AI soundboxes?
Yes. ToneTag accepts AI soundbox bulk order requests from banks, NBFCs, UPI platforms, and enterprise payment providers. As a vertically integrated AI soundbox manufacturer India trusts for banking-grade deployments, ToneTag owns both its hardware IP and software stack and can fulfill AI soundbox wholesale requirements with competitive unit pricing, custom branding, and white-label deployment options. Contact ToneTag’s business team directly for volume pricing, minimum order quantities, and rollout timelines tailored to your scale. ToneTag is one of the few companies offering end-to-end AI soundbox India manufacturing with in-house hardware and software, which means AI soundbox bulk order and AI soundbox wholesale fulfillment timelines are significantly shorter compared to vendors relying on third-party OEMs.
Q8: What do merchants say about the ToneTag AI soundbox?
Merchants using ToneTag devices consistently highlight the voice-first experience, reliable 4G connectivity, and instant payment confirmation as the capabilities they value most. In early ToneTag AI soundbox reviews from pilot deployments, merchants appreciate being able to check their balance, track settlement status, and check loan eligibility just by speaking to the device, without visiting a branch or making a phone call. The device is especially valued as an AI soundbox for merchant counters in semi-urban and rural areas where digital literacy is limited, bank branch access is restricted, and mobile app adoption among small business owners remains low. Banks and UPI providers interested in reading detailed ToneTag AI soundbox review data from ongoing pilots can request case studies and merchant feedback reports directly from ToneTag’s partnerships team.
Q9: How do I order a ToneTag AI soundbox for my organization?
To place an AI soundbox order for your organization, contact ToneTag’s sales team through the official website for full product and partnership details. Whether you are a bank looking to deploy across your merchant base or a UPI service provider evaluating an AI soundbox for business operations at scale, ToneTag supports pilot deployments, custom integrations, co-branded device rollouts, and scaled deployments with dedicated technical and operational support. eKosha is available for deployment across India with regional language support covering all major Indian languages. From your initial AI soundbox order inquiry through pilot evaluation to full-scale rollout, the ToneTag AI soundbox team provides end-to-end deployment, training, and ongoing operational support. ToneTag also supports AI soundbox wholesale and AI soundbox bulk order requests for organizations planning multi-city or nationwide rollouts.
Q10: How does an AI soundbox work?
An AI soundbox works by running an on-device AI engine that processes the merchant’s voice commands locally, without sending data to the cloud, and responds in real time with banking information, payment confirmations, and financial service access. When a customer pays through UPI, UPI 123Pay, CBDC, or QR code, the device confirms the transaction with an audio-visual alert. Beyond payments, the merchant can speak to the device in their own language to check settlement status, access loan offers, review account statements, or raise service requests. eKosha processes all of this at the edge, delivering near-zero cost per interaction with no dependency on internet bandwidth for its core intelligence. This on-device architecture is what separates a true AI payment box from cloud-dependent alternatives, and it is what makes eKosha the most scalable AI payment device India’s banks can deploy across millions of merchant endpoints. Whether placed in a metro retail chain or a rural kirana counter, the AI payments box performs identically because its intelligence lives on the device itself. For banks evaluating an AI payment box India can deploy at national scale, this edge-first design is what makes the unit economics work.
Q11: Which is the best AI soundbox in India?
The best AI soundbox in India as of 2026 is ToneTag eKosha, because it is the only production-ready device that combines payment acceptance, full banking services, conversational AI, and on-device intelligence in a single unit. Most AI soundbox India options stop at payment confirmation and basic business insights. What makes eKosha the best AI soundbox 2026 deployments can rely on is its banking layer: merchants access loans, overdraft, settlement status, account statements, and offers through voice conversation, a capability no other device in this category currently delivers. eKosha is manufactured by ToneTag, the leading AI soundbox manufacturer India trusts for banking-grade infrastructure, with over one million devices deployed and 25 million transactions processed daily. For banks and UPI service providers comparing the best AI soundbox options, eKosha is also the only device that runs AI inference entirely on-device, eliminating cloud costs and latency at scale.
Q12: Can I get a loan through my AI soundbox?
Yes, eKosha enables merchants to access pre-approved loans and overdraft facilities directly from their counter by speaking to the device. The merchant asks about loan eligibility through a voice command, and eKosha responds with available options based on the bank’s credit assessment of that merchant’s transaction history and cashflow patterns. This makes eKosha fundamentally different from a standard AI payment box that only handles payment confirmations. For banks deploying eKosha as their AI payment box India strategy, the loan origination channel is one of the highest-value features because it distributes credit at scale through a device the merchant already uses daily, without branch visits, app downloads, or field agent outreach. The entire flow from eligibility check to offer presentation happens through a voice conversation in the merchant’s language, making it accessible to merchants who would never navigate a loan application on a screen.
