How a mobile shop uses EMI Locker

Simple enough for a single-person shop, powerful enough for a chain.

1
Register your shop

Sign up on the EMI Locker partner panel. Add your shop details, upload documents, and get your wallet set up. Ready in minutes.

2
Purchase keys

Buy activation keys via UPI, NEFT, or RTGS into your wallet. ₹60 per key. Each key activates one device enrollment.

3
Enroll phones before handing over

When a customer buys on EMI, enroll the running phone through EMI Locker's guided DPC flow before handing it over. It takes a few minutes, keeps the customer's data intact, and places the device under your account.

4
Track, enforce, and release

Monitor payments from your dashboard. AI alerts you to risky accounts. Lock overdue phones from your panel. Release when payment is received.

Everything a mobile shop needs to run device financing

Device Enrollment — 2 Minutes

Just add the customer in the retailer app — the phone enrolls automatically, no QR scan, no factory reset, no steps on the device. Works for all Android brands (Samsung, Xiaomi, Realme, OPPO, Vivo, OnePlus, Nokia, Motorola) on Android 9.0+.

Payment Dashboard

View all customers, payment due dates, overdue amounts, and AI risk scores from one screen. Filter by overdue status or risk level to prioritise your collection calls.

Remote Lock From Your Phone

Lock or restrict any overdue device in one tap from the EMI Locker mobile app. No need to be in the shop — works from anywhere in India, over any internet connection.

AI Risk Prediction

The AI flags accounts likely to default 3–7 days before payment is due — based on payment behaviour patterns, location data, and device usage signals. Stop defaults before they happen.

Automated Reminders

WhatsApp and SMS reminders sent automatically before and after due date — without you making calls. Reminder bot escalates message tone based on days overdue.

SIM Swap & Tamper Alerts

Instant notification when a customer swaps their SIM or attempts a factory reset. Auto-lock option for SIM swap events gives you maximum recovery security.

EMI Locker for mobile retailers — FAQ

When a customer buys on EMI, add them in the EMI Locker retailer app — the phone enrolls automatically in minutes, no QR code needed. Track payments from the dashboard. Lock overdue phones remotely. Unlock when payment is received. No daily data entry, no manual tracking, no follow-up calls until the AI tells you to act.

Yes. No minimum volume. ₹60 per device key, no monthly fees. A shop financing 10 phones per month pays ₹600/month for complete device financing management. The return on investment appears in the first month — from reduced collection time alone.

AI alerts you 3–7 days before due date for high-risk accounts. Reminder bot sends WhatsApp/SMS on day 1 and 3 of overdue. By day 7, you can restrict apps or lock the device remotely — one tap from the panel. The lock screen shows your shop name, amount due, and your contact number. Customer calls you, pays, you unlock from the panel.

Yes. Works on any Android phone running Android 9.0+. Brand-agnostic — Samsung, Xiaomi, Realme, OPPO, Vivo, OnePlus, Motorola, Nokia all work. Same enrollment process regardless of brand.

Bring EMI Locker into your mobile retail workflow

Enroll running Android phones quickly, track repayments from one dashboard, and respond to overdue accounts remotely. From ₹60/key.

Register Your Shop See Pricing