What is ZeroBill?
Curious about what is ZeroBill? We are the team upgrading India's offline retail. We provide a platform for consumers to get digital receipts and cashbacks simply by scanning a UPI QR code at a local store, without sharing their phone number. That is what ZeroBill is.
Is ZeroBill Legit?
Wondering if ZeroBill is legit? We partner with India's top payment gateways like Cashfree and ICICI Bank to process transactions over the secure NPCI UPI network. It is 100% safe, reliable, and privacy-first.
The Operating System
for India's Offline Retail
Every time a customer pays via UPI at an offline store, that is a data event, an identity event, a loyalty moment, and a marketing opportunity. Today, that moment is completely wasted.
The Most Overlooked
Trillion-Dollar Market in India
India has 30 million offline stores. They serve 99.5% of retail. Yet almost none of them have a loyalty system, customer data, or a way to compete with e-commerce.
Stores are losing customers silently
Every day, local stores lose regulars to Blinkit, Amazon, and Myntra — not because e-commerce is better, but because offline stores have no data, no loyalty, and no way to bring customers back. The neighborhood kirana, the family salon, the local chemist — they've survived decades without technology. But the world has changed.
The UPI moment is wasted
Every UPI payment at an offline store is a data event, identity event, loyalty moment, and marketing opportunity — all rolled into one. Today, that moment produces a paper receipt and nothing else. The merchant has no idea who just paid. The customer walks away. Zero connection.
ZeroBill's genius is that it requires zero workflow change for anyone. The UPI QR code is already at the counter. The billing software is already running. ZeroBill slots in at the payment step and turns it into a full customer relationship — without the merchant doing anything different.
Three Sides. One Platform.
ZeroBill connects consumers, retailers, and brands through a single UPI checkout moment — creating value for everyone with zero friction.
& cashbacks
intelligence layer
& marketing
The flywheel: More consumers → more value for merchants → more merchants onboard → more brand-funded cashbacks → more consumers. Each side makes the others more valuable.
Consumer App
- ✓Scan any UPI QR at any store
- ✓Instant digital receipt — no paper
- ✓Real cashback, not points
- ✓Privacy-first: no phone number shared
"Pay less. Keep records. Win rewards. Every time."
Merchant App
- ✓Instant setup on any Android phone
- ✓See every customer who paid
- ✓AI-powered offer campaigns
- ✓Automated Google review requests
"Know your customer. Bring them back. Get 5 stars."
Merchant Dashboard
- ✓Sales analytics by day & segment
- ✓Customer journey & visit frequency
- ✓Campaign performance tracking
- ✓Simple enough for any store owner
"Your store's data, explained in plain language."
Massive. Untouched. Ready.
The Indian offline retail market is one of the largest economic forces on Earth — and it has zero technology serving it.
12 Categories. One Platform.
ZeroBill serves all offline retail, not just grocery.
Built on Trust & Simplicity
Every design decision at ZeroBill starts with one question: does this make life easier for the store owner and better for the customer?
Privacy First
Customers never share their phone number or email with merchants. Receipts are linked to the UPI payment — private, instant, permanent. Trust is our foundation.
Zero Friction
No new hardware. No software integration. No workflow change. ZeroBill works with the UPI QR already at every counter — stores are up and running in 4 minutes.
Real Rewards, Not Points
Actual cashback — real money back in the consumer's wallet. Not abstract points that expire or require complex redemption. Instant, visible, spendable.
Built for Every Store
Works for a solo kirana owner with a ₹6,000 Android phone — and just as well for a 50-store chain. No IT team needed. Simple setup, powerful capabilities, any scale.
Save Trees, Save Lives
9 out of 10 paper receipts contain BPA & BPS — chemicals classified as carcinogenic. Over 100 million trees are cut annually to produce them. Digital receipts eliminate the toxin and the waste.
Local, Empowered
ZeroBill is explicitly built to strengthen neighborhood retail — the family kirana, the local salon, the trusted chemist. Every feature gives these stores capabilities that only large chains had before.
EmpoweringEveryNeighborhoodStorein India
The technology that powers Amazon's customer intelligence, Myntra's loyalty programs, and Blinkit's push notifications — we're making all of that accessible to the 30 million independent stores that are the backbone of Indian retail.
Not by replacing them. By arming them.
Not by asking them to change. By meeting them where they already are — at the UPI QR code.
ZeroBill is not an app.
It is infrastructure.
India's 30 million offline stores don't need to be replaced. They need to be armed — with data, loyalty, visibility, and the same marketing power that Amazon and Blinkit have.
ZeroBill gives that to every store in India, invisibly, through a single UPI scan.
Built by ZBT Innovations Pvt Ltd · Bengaluru, India