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ToneTag eKosha

eKosha is an AI-powered merchant banking box from ToneTag, built for banks and UPI service providers. It accepts UPI, UPI 123Pay, and CBDC payments, supports all Indian languages, and delivers full banking services through natural voice conversations in the merchant’s native language or preferred language or regional language. The device runs AI inference locally with zero cloud dependency. One AI digital payment device that replaces branch visits, call centres, and mobile apps with an always-on banking channel at the merchant counter.

ToneTag eKosha AI Soundbox

ToneTag eKosha is an AI soundbox built for banks and UPI service providers that want to do more than process payments at the merchant counter. It is a BIS-certified AI digital payment device that combines real-time payment acceptance, voice-powered banking, and on-device intelligence into a single compact unit. Designed as a complete AI payment solution for Indian merchants, eKosha handles UPI, UPI 123Pay, and CBDC transactions while delivering full banking services through natural voice conversations in the merchant’s own language.

Powered by ToneTag’s proprietary sound-based protocol, trusted by leading banks and payment networks across India, eKosha runs AI inference locally on the device with zero cloud dependency. Every interaction, from payment confirmation to loan eligibility checks to settlement queries, happens in real time at the point of sale. For banks and payment providers evaluating the next generation of AI enabled payment acceptance infrastructure, eKosha is the most advanced ToneTag AI soundbox available today.

Why Banks and Payment Providers Choose eKosha

Voice-First AI Interface

Merchants speak naturally in their native language or preferred language or regional language. eKosha supports all Indian languages, with no apps, no typing, and no digital literacy required. The device listens, understands, and responds in real time, making it the ideal AI soundbox for merchant counters of every size.

Multi-Mode Payment Acceptance

Accepts UPI, UPI 123Pay, and CBDC on a single device. Handles the complete payment flow from initiation to audio-visual confirmation, delivering a unified AI payment solution for Indian merchants.

On-Device AI Processing

AI inference runs locally on the device. No cloud dependency means near-zero cost, real-time responses, and reliable performance everywhere. A purpose-built AI soundbox for small business operators in areas with inconsistent connectivity.

Full Banking at the Counter

Loans, overdraft, settlements, account statements, offers, and fixed deposits, all accessible through a simple voice conversation. eKosha transforms a payment terminal into the bank's daily relationship channel with the merchant.

4G + WiFi Connectivity

BIS-certified hardware with 4G and WiFi support ensures uninterrupted performance across urban, semi-urban, and rural locations. This AI soundbox for retail store environments stays connected wherever merchants operate.

Real-Time Reconciliation & Analytics

Track transaction volumes, payment reconciliation, and device health through a centralized Terminal Management System. Every ToneTag AI soundbox features built-in reporting and analytics for deployment partners and banks.

The Smart Soundbox Powering Everyday Banking

A voice-driven AI soundbox for business banking that enables banks and payment providers to deliver real-time financial services, notifications, and engagement directly at the point of sale. The ToneTag soundbox platform replaces fragmented channels like branch visits, call centres, and low-adoption mobile apps with a single, always-on device the merchant actually uses every day.

UPI Payment

Acknowledgement

CBDC Payment

Acknowledgement

Settlement

Notification

Balance & Cashflow

Real-Time Updates

Loans & Overdraft

Instant Access

Offers & Schemes

Targeted Delivery

Transaction Analytics

Real-time payment volumes, latency tracking, and success rates across your entire merchant network

Device Health Report

Battery status, heartbeat monitoring, and uptime tracking for every deployed device

Network Latency

Current connectivity status with real-time 4G and WiFi signal strength reporting

Specifications

Processor

ARM Cortex A5

Memory

4/8/16MB RAM + 8MB Flash

Connectivity

4G + WiFi (Optional)

Display

7 digit 7 segment OLED display

Peripheral ports

Type C

Battery

2000 mAh Li-ion

Power

5V 100mA

Speaker

3-4W

Contactless

ToneTag SDK SOUND Based

Microphone

Available

Certification

BIS Certified

Frequently Asked Questions

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.

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 native language or preferred language or regional 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.

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.

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.

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.

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 buying an AI soundbox online should check with their bank or payment provider about eKosha availability in their region. Whether you want to buy an AI soundbox online for a single location or explore ToneTag’s AI soundbox price tiers for a multi-city rollout, our team can tailor a deployment plan to your requirements.

Yes. ToneTag accepts AI soundbox bulk order requests from banks, NBFCs, UPI platforms, and enterprise payment providers. As a vertically integrated AI soundbox manufacturer in India that owns both its hardware IP and software stack, ToneTag 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 manufacturing in India 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.

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.

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 Indian languages. From your initial AI soundbox order inquiry, 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.

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 native language or preferred language or regional 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 merchant banking box from cloud-dependent alternatives, and it is what makes eKosha the most scalable AI payment device for India's banks to 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 for India that needs to be deployed at national scale, this edge-first design is what makes the unit economics work.

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 options in the AI soundbox India market stop at payment confirmation and basic business insights. What makes eKosha the best AI soundbox for deployments in 2026 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 in India 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.

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 part of their AI payment box strategy for India, 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 native or regional language, making it accessible to merchants who would never navigate a loan application on a screen.