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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.

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Why Banks and Payment Providers Choose eKosha

Voice-First AI Interface

Merchants speak naturally in their own language. No apps, no typing, no digital literacy required. eKosha 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 Mastercard, Verifone, Amazon Pay, Airtel, Yes Bank, ICICI, Bank of Baroda, and IDFC FIRST Bank. 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 offers the RetailPod 2.0 and RetailPod 3.0 for payment acceptance, the DynamicPod 2.0 all-in-one terminal with dual displays and card support, and the ToneTag eKosha AI soundbox. eKosha is ToneTag's most advanced AI digital payment device, combining voice-first AI, on-device intelligence, and full banking capabilities into a single counter-top unit. Beyond hardware, ToneTag provides proximity payment protocols, agentic AI payment solutions, and VoiceSe, a voice-based UPI service that works on feature phones. For banks and UPI platforms evaluating an AI soundbox for business-scale deployment across merchant networks, eKosha is ToneTag's flagship offering.

Several major Indian banks and financial institutions currently use ToneTag soundbox devices in their merchant networks. These include Yes Bank, ICICI, Bank of Baroda, and IDFC FIRST Bank (which partnered with ToneTag for CBDC payments). ToneTag also works with UPI service providers, payment aggregators, and NBFC partners to deploy AI soundbox devices for merchant payment acceptance at scale. With the launch of eKosha, banks gain a ready-to-deploy AI enabled payment acceptance channel for merchant engagement that does not require building any new infrastructure.

ToneTag supports UPI, UPI 123Pay (for feature phone users), CBDC (Central Bank Digital Currency), interoperable QR codes, and sound-based contactless payments. The eKosha device 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 using PhonePe, Google Pay, Amazon Pay, Airtel Payments Bank, Paytm, or any other UPI 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.

The ToneTag eKosha AI soundbox accepts UPI, UPI 123Pay, CBDC, and interoperable QR payments on a single device. For merchants and AI soundbox for shop environments that need a single 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 an AI soundbox buy online option should check with their bank or payment provider about eKosha availability in their region. For the latest ToneTag AI soundbox price details, deployment models, and partnership terms, download the eKosha product brochure using the link on this page or contact ToneTag for a custom quote based on your deployment scale. 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.

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.

ToneTag works through direct partnerships with banks and payment networks rather than third-party retail distribution channels. If you are searching for an AI soundbox dealer near me or an AI soundbox distributor in your region, the fastest route is to contact ToneTag's business team through their website. They can connect you with the nearest deployment partner or banking channel offering eKosha in your area. ToneTag's deployment coverage currently spans urban, semi-urban, and rural India through its banking partner networks. Since eKosha is deployed through banking channels, your search for an AI soundbox dealer near me or AI soundbox distributor is best resolved by asking your bank's merchant services team or reaching out to ToneTag directly for a regional partner introduction.

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 or download the eKosha brochure on this page 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.