Limited differentiation
Similar sound boxes give merchants few reasons to choose one bank or fintech over another.
FOR BANKS & FINTECHSGo beyond payment
Go beyond payment
confirmation.
Stand out with a device that does more.
Connection. Protection. Everyday value.
Merchants have real problems.
Customers arrive at closed shops and lose trust. Offers don't reach loyal customers. They worry about theft, fire safety, low customer reach, and advertising costs.
Our budget-friendly smart device (patent) is not just a payment box. It solves these real problems.
By offering this device, banks and fintechs can build stronger, direct relationships with merchants.
HERE OPENCONNECTION. PROTECTION.
Banks
+Fintechs
Your brand. Your merchant relationship.
MerchantsVisibility. Offers. Alerts.
CustomersShop status. Smarter visits.
THE CHALLENGE
Three sides. One costly disconnect.
Banks and fintechs lose relevance. Merchants lose visibility.
Customers lose certainty.
BANKS & FINTECHS— DIMENSION 01
Information blindness.
Banks and fintechs bring financial and technology strengths. The challenge is turning them into direct, everyday merchant relationships.
Underused partner strengths
Financial and technology capabilities do not always translate into daily merchant value.
Missed merchant acquisition
A weak device proposition can limit new merchant relationships.
Weak merchant retention
Limited everyday value makes the relationship easier to replace.
CASA relationship risk
For banks, losing the merchant touchpoint can weaken deposit relationships.
Loan distribution
Intermediated loan distribution can increase acquisition costs.
Weaker direct relationships
Third-party channels can distance partners from the merchant's daily business.
Limited lending context
Fragmented business information can limit the context for credit assessment.
MERCHANTS— DIMENSION 02
Relationship breakdown.
Trust loss & missed footfall
Uncertain opening times disappoint customers, weaken trust and cost shops potential visits.
Low visibility & missed updates
Shops are hard to find without a current digital presence. Offers and announcements may not reach nearby customers.
Theft and fire worries
Intrusion, fire and smoke can go unnoticed without suitable detection, alerts and a way to respond.
CUSTOMERS— DIMENSION 03
Trust erosion.
No real-time certainty
Listed hours may not reflect live shop status. Trips to closed shops waste time, fuel and effort.
Limited discovery & missed offers
Open nearby shops can be hard to find. Useful offers and announcements may never reach interested customers.
Uncertainty in urgent moments
Urgent needs are harder to meet when customers cannot identify an open nearby shop.
OUR SOLUTION
More than payment confirmation.
One device. Better visibility. Better protection. Better connection.
OPEN / CLOSED status
Customers can see live shop status in the public app.
Offers & discounts
Merchants can send instant offers and discounts.
Live confidence
Movement detected 2 minutes ago.
Security alerts
Instant security alerts to the merchant’s mobile phone.
24/7 fire & smoke safety
Continuous safety monitoring and alerts.
Merchant app control
Control the device from the Here Open merchant app.
Here Open does more than confirm payments. It helps merchants connect with customers, promote their businesses, improve shop visibility, and manage safety and security needs.
As these features become part of daily business for merchants and customers, the device helps banks and fintechs build stronger merchant relationships.
HOW IT WORKS
Your shop. One tap.
Instant open/closed status to the public.
Safety and security alerts to merchants.
Shop is OPEN. Tap CLOSED.
HERE OPENMERCHANT APP
My shop
You control your shop status.
Shop statusOPENBusiness Mode
Device and public app updated.
Example only. No real shop is connected.
You choose OPEN
Here’s what happens.
- 1
Device starts Business Mode
One tap on OPEN tells the connected device your shop is open.
- 2
Customers see OPEN
The public app shows your shop status with recent activity.
Motion 2 minutes ago - 3
Share offers with customers
Send instant offers and discounts from the Here Open merchant app.
Merchants stay informed about safety and security.
24/7 fire and smoke monitoring.
Safety alerts delivered to merchants, whether the shop is OPEN or CLOSED.
Monitoring and alerts require supported sensors, power, connectivity and configuration. Confidence scores reflect available activity signals.
SMART DEVICE
One device. Three stronger relationships.
Connect banks and fintechs with merchants and customers through a device carrying your brand.
FOR BANKS & FINTECHS
Grow together.
- Merchant acquisition & transactions
- Credit opportunities
- Stronger relationships & retention
- Value beyond payment confirmation
FOR MERCHANTS
More value, every day.
- One-tap shop status
- Visibility, discovery & offers
- Security alerts
- 24/7 fire & smoke monitoring
FOR CUSTOMERS
Smarter visits.
- See what’s open
- Find offers
- Save time and avoid wasted trips
More everyday valueStronger relationshipsSmarter customer visits
Explore every benefitONE DEVICE
One device. Three stronger relationships.
Built for banks & fintechs. Designed for merchants.
Connected to customers.
For banks & fintechs
Grow together.
Merchant acquisition
Give local businesses more reasons to choose your bank or fintech.
Daily transactions
Build relationships around everyday payment activity.
Merchant lending
Connect eligible merchants with credit from banks and lending partners.
Cash-credit opportunities
Banks can offer direct credit; fintechs can connect merchants with lending partners.
Direct relationships
Build trust through ongoing merchant engagement.
CASA growth potential
For banks: deepen current and savings account relationships.
A stronger offering
Offer useful services beyond payment confirmation.
For customers
Smarter choices. Easier visits.
Live shop status
Check a shop's reported status before travelling.
Relevant offers
Discover offers from the businesses you follow.
Smarter journeys
Plan visits to help save time, fuel and effort.
More confident visits
Make everyday shopping easier with timely updates.
For merchants
More value, every day.
One-tap shop status
Control the device from your mobile phone. Share your shop’s open or closed status in the public app with a confidence score.
Local discovery
Help nearby customers find your business.
Business visibility
Promote your shop through the Here Open network.
Direct offers
Share offers and discounts with interested customers.
Theft-risk alerts
Stay informed with supported shop-security alerts.
Fire & smoke alerts
Receive safety notifications where supported.
Credit is subject to lender eligibility and approval. Monitoring requires supported hardware, connectivity and configuration.
OUR VISION
Connecting India's
local economy.
One simple goal: connect local businesses with customers, banks and fintechs, alongside safety and security.
VISIBLE. CONNECTED. PROTECTED.BANKS & FINTECHS
HERE OPEN
MSMEs
CUSTOMERS
THE THREE SIDES OF THE PROBLEM WE WANT TO SOLVE
90+ Crore
INTERNET USERS
People are online, but they still cannot easily know which nearby shop is OPEN right now. This leads to uncertain and wasted trips.
6.3+ Crore
MSMEs
Merchants run their shops, but they have no real-time visibility, no security monitoring, and no direct voice to their customers. This leads to lost visits, lost revenue, and safety and security worries.
Banks & fintechs
Banks bring banking power, reputation and resources. Fintechs bring technology, payment services and reach. Both need stronger direct merchant connections to build lasting relationships and reduce indirect burdens on MSMEs.
OUR VISION
To Provide a Platform Where Banks and Fintechs Connect.
A platform that connects banks and fintechs directly with merchants and customers.
Direct connections. Stronger partnerships. More everyday value.
Banks and fintechs reach MSMEs directly, serve merchants and build relationships beyond payment confirmation.
Real-time shop visibility, customer communication, safety, and security — all designed to solve everyday local business needs.
Banks and fintechs put their strengths to work — directly, profitably, and at scale.
THE PARTNERSHIPYour brand.
Your brand.
Your merchant relationship.
Your bank or fintech owns and manages the merchant relationship. Here Open provides the technology, platform and device ecosystem.
Discuss a partnershipYour bank or fintechBrand & merchant relationship
Here OpenTechnology & device ecosystem
FAQ
Still have a question?
Talk to us on WhatsApp
Why should banks and fintechs offer Here Open to their merchants?
Here Open instantly shows customers in the Here Open app whether a shop is OPEN, with live confidence such as “Movement detected 2 minutes ago.” Merchants can also send offers and discounts. When the shop is CLOSED, Security Mode sends instant alerts, while fire and smoke safety monitoring continues 24/7.
How is Here Open different from a normal payment sound box?
A normal sound box mainly confirms payments. Here Open adds OPEN/CLOSED status, current offers, and instant safety and security alerts to the merchant’s mobile phone — features standard sound boxes do not offer together.
How can Here Open help banks and fintechs stand out?
Here Open goes beyond payment confirmation by solving everyday merchant needs such as customer connection, free advertising, shop visibility, and safety and security worries. As it becomes an essential part of daily business for merchants and customers, it helps banks and fintechs offer more value and build stronger merchant relationships.
How can Here Open help banks and fintechs acquire more merchants?
Banks and fintechs partnered with Here Open can offer this device. It solves everyday merchant needs that normal payment devices do not address, giving merchants a strong reason to choose the partner for daily business transactions. For banks, this can also support merchant current-account acquisition.
How can Here Open improve merchant retention and stickiness?
Here Open helps merchants connect with customers through OPEN/CLOSED status, offers and discounts. As customers start expecting these features, demand can grow across more shops. Its low-cost safety and security features give merchants even more reason to keep using the device and stay connected with their bank or fintech partner.
How can Here Open create more lending opportunities?
As Here Open becomes part of the merchant’s daily business, it can increase transactions and account activity. This strengthens the direct merchant relationship. Banks can offer loans to eligible merchants, while fintechs can connect merchants with suitable lending partners.
How does Here Open provide safety and security to merchants?
When the merchant marks the shop CLOSED, the device switches to Security Mode and sends instant security alerts to the merchant’s mobile phone. Fire and smoke safety monitoring continues 24/7.
Can banks and fintechs use their own branding?
Yes. The device and merchant experience can be developed around the bank or fintech partner’s brand. The partner manages the merchant relationship, while Here Open provides the technology and device ecosystem.
How does a merchant use Here Open?
The merchant controls the device through the Here Open merchant app. Selecting OPEN starts Business Mode, while selecting CLOSED starts Security Mode. Merchants can also send instant offers and discounts to customers through the app.
LET’S BUILD TOGETHEROne device.
One device.
Direct connections.
A stronger India.
Discuss a bank or fintech partnership, ask a question or explore how Here Open can support your merchant network.
contact@hereopen.meWhatsApp +91 9060038229