Frequently Asked Questions

What is mGalla-Payment app for merchants?
As the name suggests, mGalla is a mobile application which allows merchants to accept digital payments from their customers through a plethora of payment options.
Is mGalla a paid or free application?
mGalla is a completely free app. Downloading and signing up with the application involves no charges whatsoever.
Why should I opt for mGalla?
With this era of digitization, it is crucial for any business, which wants to prosper, to accept digital form of payments. mGalla is a free application providing you a range of digital payment options on your fingertips. It is extremely convenient, easily accessible and provides a seamless experience of accepting digital payments.
How is mGalla different from other digital payment applications?
Other applications provide you with one or may be two digital payment options, whereas, mGalla provides you 5 digital payment options, simply placed in one mobile app. The interface of mGalla is so user-friendly, that the merchant operating the app does not require being tech savvy.
How can I sign up for mGalla?
Download mGalla App from Google Playstore or get in touch with our customer service center where our executive will provide you with a download link through SMS. Once you have downloaded the app, put in all the relevant information required. This is going to be so simple that it wouldn’t even take 5 minutes of your time.
Can I Sign Up using my company’s registered name?
Yes. When you opt for Sign Up you are provided with two options. You can either Sign Up as an Individual or as a Corporate.
What all documents are required?
You are simply required to put up a scanned copy of either PAN card or an Aadhaar Card to move on.
Do I need to courier/send any documents to mGalla?
No, you are only required to scan the desired document through the app. You do not have to send or courier any documents to us.
I don’t have a PAN Card. What should I do?
If you do not have a PAN card, you can scan your Aadhaar card for the verification purposes. We do not require both of your documents.
Is it compulsory to submit the documents?
Yes, it is compulsory for you to scan either your PAN or Aadhaar Card for verification purposes.
Is mGalla safe and secured?
mGalla is highly secured. We understand that you trust us with your money and so, we are here to provide you with bank level security features. Atom is PCI DSS v. 3.2 and SSL 256 bit encrypted, which is the highest level of security available.
Is mGalla compatible with my android version?
mGalla requires your phone to have an android version of 4.0.3 and above. This is the most basic android version and will definitely be compatible with your android smartphone.
How many merchants do you have on board?
Currently, we have more than 50,000 merchants who have collaborated with mGalla.
Does my customer need to have mGalla application to pay me?
mGalla requires your phone to have an android version of 4.0.3 and above. This is the most basic android version and will definitely be compatible with your android smartphone.
How long will it take for you to onboard me?
You are instantly on boarded with mGalla as soon as you download the application, complete the registration and provide us with all the necessary information.
When can I start accepting payments through mGalla?
As soon as you complete the Sign Up process with us, you can start collecting digital payments through mGalla. You can submit your KYC whenever you decide to get the amount settled in your bank account.
Can I change my mobile number on mGalla?
In case you switch your mobile number and need to update it on mGalla App, you have to get in touch with our customer care executive and they will assist you further
What payment options am I offered?
mGalla offers you four digital payment options- UPI, Link, Bharat QR and mPOS.
It’s an easy to use portal where you can generate your payment link in seconds by entering your customer’s name and mobile number. Once you have generated the link, you can share it with your customer through whatsapp, text message or an email.
Accept funds using virtual payment address and forget putting in your bank details again and again.
mPOS or mobile point of sale is a portable device that you can sync with your smart phone or tablet and collect debit or credit card payments anytime, anywhere.
The merchant can generate a dynamic QR code through the mGalla app in order to receive payments. The customer can scan the Bharat QR code from their respective mobile banking app and make the desired payment easily. In the next update, mGalla will introduce an all new payment option ‘Aadhar Pay’ keeping the merchant’s and customer’s convenience in mind.
How Bharat QR is different from other e-wallets?
When you use any QR Code which has been generating from a specific E-wallet provider, then you can transfer money only on those specific E-wallets. But in Bharat QR, you can transfer money between every platform. You can send or receive payment between any banks or e-wallets.
Which mobile banking applications support Bharat QR?
Currently, 17 banking applications are supported by Bharat QR. Canara Bank, Standard Chartered, RBL Bank, ICICI Bank, HDFC Bank, Punjab National Bank, Bank of India, Axis bank, SBI, Union Bank of India, IDBI Bank, DCB Bank, Bank of Baroda, Yes Bank, City Union Bank Ltd., Karur Vysya Bank, Vijaya Bank.
What is mPOS? Is it different from other POS machines?
mPOS is a portable card swipe machine which allows you to accept digital payments through Debit and Credit cards. Other POS devices are bulky and require heavy investment, unlike mPOS which fits into the merchant’s hands and is comparatively cheap.
How does the mPOS device work?
In order to accept payments through mPOS, the merchant needs to sync his mPOS device with the mGalla app on his smart phone. Syncing the devices is just a one-time activity.
Can I accept payments through both credit and debit cards with this mPOS device?
Yes, you can accept payments through both credit and debit cards irrespective of them being a CHIP based or Magnetic Stripe based type.
How can I request mPOS device?
If you want to request for the mPOS device, you need to open the mGalla App> Go to the settings tab> Select ‘request mPOS’ option. Our sales executive will get in touch with you. You can also call us on 022 39853410 and get in touch with us for your request.
Do I need to invest for the mPOS?
Yes, if you want to rent an mPOS (Rent/service charge), it will cost you INR4400 for 12 months. Purchasing an mPOS device will cost INR3200 and would attract a service charge of INR200 every month.
Can I link my existing POS device with mGalla?
No, only our mPOS solution can be linked with your mGalla app.
Is there a transaction limit with the payment options?
Yes, there’s a transaction limit of INR 20,000/month on the payment options provided. If you want to get your limit increased, please contact our helpdesk on 022 66864095.
I don’t have a website. Can I still collect digital payments from my customers?
Of course! atom provides a plethora of digital payment options. You can collect digital payments even if you do not have a fancy website by simply downloading mGalla App. mGalla allows you to accept payments through UPI, Bharat QR, mPOS and link based payment methods. None of these require a merchant having a website to accept digital payments.
Why do you need my bank details?
We require our merchant's bank details so that we can get your money safely into your account. Bank details are only required for the settlement purposes.
When will the amount get settled in my bank account?
We follow the T+2 cycles to get the money settled in our merchant’s bank account.
What if I enter wrong bank or ID details?
If you enter the wrong bank or ID details, you can always change them through the app itself.
Can you offer me discount if I have very large volume of transactions?
You can always get started with our program, and if you have very large volume of transactions then we can always offer you customized plans.
How and from where can I check the total number of transactions I’ve made?
mGalla provides you with a comprehensive list of the transactions that you have made. You can always check the total sales that you have made and can compare it with the total amount that you have received. When you open the application, the information is displayed right on the top.
Can I get my money settled in some other bank account?
No, you cannot. We settle the money in the bank account details that are provided by you during the registration process. In case you want to change your banking details, you can do so from the application itself.
Do I need to invest for the mPOS?
Yes, if you want to
How much do I need to invest for the mPOS device?
Renting an mPOS (Rent/service charge) will cost you INR 4400 for 12 months. Purchasing an mPOS device will cost INR 3200 and would attract a service charge of INR200 every month.
What is MDR? How much is it?
The rate charged to a merchant by a bank for providing debit and credit card services is MDR. According to recent Government policy, transactions of INR 2000 made through Debit cards will levy no charges. Transactions above the said amount will attract a fee of 2%
Do you levy GST on the transactions?
Yes, it is applicable on MDR @18%.
Do you support live chat?
No, not yet. But we are always keen on enhancing our helpdesk and customer relations service.
Where can I contact for any sales related query?
For any sales related query, you can always reach us on 022 39853410. You can also email your queries at sales@atomtech.in
Where should I contact for any issues or complains?
For customer service related queries, you can contact our helpdesk on 022 66864095 or drop us an email at helpdesk@atomtech.in
Are you available 24*7?
Yes, our services are available 24*7.

What is atom rewards program?

Atom rewards is a unique coalition rewards program which enables merchants to not only engage with their existing customer base but also harvest new customers across the network. This also offers a set of personalized marketing tools for each merchant to create offers, promotions and personalized pricing for their customer base. In a way, merchants can leverage atom rewards to run their own brand loyalty across the customer base.

How can I enroll myself with atom rewards program?
• Download the mGalla App.
• Register by putting in the required details.
• Complete the Sign Up process.
• You get enrolled for the rewards program as soon as you complete mGalla Sign Up.
Why should I enroll myself with atom rewards?

•Enhance engagement with your existing customer base and increase your brand loyalty.
• Increase store traffic by reaching out to new customers across the network through offers and promotions.
• A new tool to make your business digital since digital commerce is the future.
• Apart from accepting all forms of digital payments, it will soon enable your business to be e-commerce enabled as well.

Does it require any documents?
No, we do not require any documents from our merchants.
Do I need to download any other app?
No. You are only required to download mGalla to be a part of atom rewards program.
Is it a paid or a free program?
Collaborating with atom rewards is totally free of cost. You have to download mGalla application and simply Sign Up with the rewards program. Both of these actions incur no cost whatsoever.
No. You are only required to download mGalla to be a part of atom rewards program.
What are atoms?
‘atoms’ are the points or rewards that a customer earns every time they shop and make payment through one of the digital forms available in mGalla.
Who pays for the ‘atoms’ or rewards?

Rewarding your customers is our responsibility and the merchant will not bear its charge at this moment. Whatever ‘atoms’ your customers earn will directly depend on the amount that they are shopping for.


As a promotional activity, FIRST 10,000 CUSTOMERS who Sign Up with atom rewards will receive ‘100 ATOMS’ each.
What is the value of atoms?

On the purchase of every 200 INR or more, the customer receives ONE atom. The value of one atom is 0.25 RUPEES.


As a promotional activity, FIRST 10,000 CUSTOMERS who Sign Up with atom rewards will receive ‘100 ATOMS’ each.

How do I reward my customer?

• Every customer gets rewarded by atom rewards on every shopping transaction at your outlet and payment settled using mGalla app.
• Rewards are credited in customer account in the form of Atoms based on amount of shopping payment settled.
• Atom rewards available in customer’s account can be redeemed at any mGalla enabled merchant.

Where can I display my offers and promotions?

Atom rewards provides you a platform on its website where you can display your ongoing offers and discounts. The customers visit the ‘Locations’ tab on the website to know about what’s going on.

To display your offers, please contact Atom Rewards

What if I don’t want to continue with this program anymore?

Whenever you choose to opt out of atom rewards program, you simply need to get in touch with our customer care. They will assist you further.

Where can I call for any query?

What is atom rewards program?

Atom rewards is India’s only and unique coalition reward program which enables you to earn rewards against every shopping transaction completed on an Atom Rewards enabled merchant in your neighborhood or a mall across India. Apart from that it also offers you personalized and exclusive offers from thousands of merchants on this network. Rewards are earned in the form of Atoms and these rewards can be redeemed across any of our merchant over the network to pay for your shopping. That means more you shop and more you earn and more free shopping.

Why should I enroll myself with atom rewards?

• Your every shopping transaction earns you free shopping through Atom Rewards earned.
• Exclusive access to personalized offers across various merchants.
• Redeem your rewards with any of your favorite merchant.
• No application download required.

How can I enroll myself with atom rewards program?

• Visit our website www.atomrewards.com
• Go to the Sign Up page and register yourself.
• Now you are ready to start shopping, access to amazing offers, and free shopping using Atoms

Do I need to download any app?

No, you do not have to download any app.

Is it a paid or a free program?

Atom rewards is a free program. Our main motive is to reward you customers for being loyal to your favorite merchants.

What are atoms?

‘atoms’ are the points or rewards that a customer earns every time he shops and makes payment through one of the digital forms available in mGalla.

How can I earn and redeem atoms?

• Whenever a customer shops and makes payment digitally, through the merchant’s mGalla App, they earn atoms.
• On the purchase of every 200 INR or more, the customer receives ONE atom.
• The value of one atom is 0.25 RUPEES. • As a promotional activity, FIRST 10,000 CUSTOMERS who Sign Up with atom rewards will receive ‘100 ATOMS’ each.

• Customer can redeem atoms at any mGalla enabled outlet which is powered by atom rewards for free shopping.
• Customers can earn from anywhere and redeem anywhere.
• There is no minimum redemption value, as of now.
• The redemption value of one atom is similar to the earned value of it, i.e. 0.50 RUPEES.

What is the value of atoms?

On the purchase of every 500 INR or more, the customer receives ONE atom. The value of one atom is 0.50 RUPEES.
As a promotional activity, FIRST 10,000 CUSTOMERS who Sign Up with atom rewards will receive ‘100 ATOMS’ each.

From where can I earn and redeem these atoms?

A customer can earn atoms from any mGalla enabled outlet which is powered by atom rewards. Similarly, a customer can redeem atoms at any mGalla enabled outlet which is powered by our atom rewards program.

Where can I see my atoms?

You can see your atoms by logging into your atom rewards account on our website.

How will I know about the offers and promotions?

You can visit our ‘Locations’ tab to know about the current and ongoing offers at your favorite merchant outlets.

Am I only required to pay through digital modes?

Yes, only when you pay digitally through the merchant’s mGalla App, you are eligible for atoms.

Can I transfer my atoms to anyone?

No, you cannot transfer your atoms to anyone.

What if I don’t want to continue with this program anymore?

Whenever you choose to opt out of atom rewards program, you simply need to get in touch with our customer care. They will assist you further.

Where can I call for any query?

Contact Details: 1860-233-4959.
e-mail ID for Shoppers: atomrewards@atomtech.in
e-mail ID for Merchants: mgalla@atomtech.in