innovitiSDR Plan · UPI for retail stores

How we will sell Innoviti UPI to retail stores

unipay UPI-First Checkout, UPI Acquirer Backup and SparcsRAS reconciliation: the store pain, the proof, the 54 target stores and the outreach plan.

54store leads (store-only ranks 109-162)

41Warm stores

~10 in 100UPI failures become card swipes in 90 sec

15business-day outreach sequence

Prepared for manager review · 14 Nov 2026 · Public sources only. Check every lead against the internal CRM before outreach.

Innoviti UPI for stores

Three store payment leaks, three unipay fixes

STORE PAIN
Failed UPI turns into a card swipe
About 10 of every 100 UPI failures become a card swipe within 90 seconds, so the store pays card MDR.

UPI Acquirer Backup

AI reroutes Dynamic-QR traffic to a healthier acquirer before UPI fails. No merchant-side integration.

Impact (Innoviti estimate)~Rs 18 Cr a year leakage at 100-store scale

STORE PAIN
Shoppers default to cards (higher MDR)
Card payments carry MDR that UPI avoids; UPI spend is growing faster than card spend (SANKET Q2 FY27).

UPI-First Checkout

Branded dynamic QR on a large customer-facing screen nudges shoppers from cards to UPI.

Impact (Innoviti estimate)Up to Rs 2.8 Cr a year saved per Rs 1,000 Cr of sales; 4 top retailers piloting

STORE PAIN
Reconciliation and MDR mismatches
Finance teams match bills, payments and bank credits across several acquirers by hand.

SparcsRAS.ai + unipay recon

Checks every bill, payment and bank credit against contracted MDR; cash, UPI and card recon. Nothing to integrate for unipay users.

Impact (Innoviti estimate)~Rs 3 Cr and ~60,000 hours a year for a Rs 1,000 Cr retailer

Do not promise savings to a store without its own data.

Proof

Big Indian store chains already run payments on unipay

18 of 20top retail enterprises run unipay

200+Reliance stores: first in-store UPI, with NPCI

50,000+merchants; 2,000+ cities

4top retailers piloting UPI-First

Store customers named publicly

RRReliance RetailMulti-format; first in-store UPI

TTanishqJewellery

SSShoppers StopDepartment store

DDMartGrocery

ZZudioValue fashion

WWestsideFashion

CCromaElectronics, 200+ stores

MRMore RetailGrocery

TTitanLifestyle

NNikeSportswear

Use in the pitch: "We run unipay at 18 of India's top 20 retailers, including Shoppers Stop, DMart, Westside and Zudio." Reliance in-store UPI and the UPI-backup case study are the two UPI proof points.

Target stores

54 store chains to work: mostly Warm fashion and footwear chains

How the stores were found

Lookalikes of store customers (Shoppers Stop, Westside, Zudio, DMart)
Company sites and store locators: store count, cities
BSE / NSE filings and annual reports
MCA21 for legal name and directors
RAI members and events; SANKET report as opener
Google Maps (manual) and ET Retail / Inc42 news
Paid if budget allows: Sales Navigator, Apollo.io / Lusha, CRM (HubSpot)

UPI qualification check

Stores20+ (enterprise) or 3+ (regional chain)

Payment stack2+ acquirers, Pine Labs or bank EDCs, manual Excel recon

PainUPI failures, MDR disputes, recon backlog

BuyerCFO / Finance Head; Promoter / MD

TimingNew stores, festive prep, contract renewal

Score4+ signs = demo; 2-3 = nurture; 0-1 = park 90 days

The 54 stores by segment

Fashion & footwear36

Grocery & supermarkets8

Big-ticket home & lifestyle6

Pharmacy & hearing care2

Other stores2

By confidence tier

Warm41

Cool11

Cold2

Top 15 store leads

Top 15 store leads: value fashion and footwear chains lead

#	Store chain	Segment	HQ	Confidence	Tier	First approach
109	Cantabil Retail	Fashion chain	Delhi	81%	Warm	LinkedIn + email
110	HomeLane	Home interiors (big-ticket)	Bengaluru	81%	Warm	Email + LinkedIn
111	Livspace	Home interiors (big-ticket)	Bengaluru	81%	Warm	Email + LinkedIn
112	Duke Fashions	Fashion chain	Ludhiana	80%	Warm	LinkedIn + email
113	Furtados Music	Musical instruments chain	Mumbai	80%	Warm	Email + call
114	Hafele India	Kitchen & home studios	Mumbai	80%	Warm	Email + LinkedIn
115	Vishal Mega Mart	Value fashion & hypermarket chain	Gurugram	80%	Warm	Email to CFO + LinkedIn + event (RAI)
116	Metro Brands	Footwear chain	Mumbai	79%	Warm	LinkedIn + email
117	Baazar Style Retail (Style Baazar)	Value fashion chain	Kolkata	79%	Warm	Email to CFO + LinkedIn
118	Indian Terrain	Fashion chain	Chennai	79%	Warm	LinkedIn + email
119	Jockey India (Page Industries)	Fashion chain	Bengaluru	79%	Warm	LinkedIn + email
120	Levi Strauss India	Fashion chain	Bengaluru	79%	Warm	LinkedIn + email
121	Rare Rabbit	Fashion chain	Bengaluru	79%	Warm	LinkedIn + email
122	V-Mart Retail	Value fashion chain	Gurugram	79%	Warm	Email to CFO + LinkedIn
123	V2 Retail	Value fashion chain	Delhi	79%	Warm	Email to CFO + LinkedIn

Approach & pitch

Walk in, call the CFO, prove it with a 5-store pilot

Day 0Research + store visit

Store count; check the EDC / QR brand at the counter

Day 1LinkedIn + Email #1

CFO / Head Ops; failed-UPI number

Day 2Call #1

10-12 am or 4-6 pm; UPI failure question

Day 3WhatsApp

Only to a public / shared number

Day 4Walk-in

Flagship store; owner / store head; one-pager

Day 6Email #2

UPI-backup case study

Day 8Call #2

Ask for 5-store, 1-month pilot

Day 12Email #3

Recon health check (SparcsRAS)

Day 15Break-up

"Shall I close the file?"

Pitch line (call or walk-in)

"Hi [Name], Innoviti here. We run unipay at 18 of India's top 20 retailers, including Shoppers Stop, DMart, Westside and Zudio. Our data shows about 1 in 10 failed UPI payments turns into a card swipe within 90 seconds, and the retailer pays the MDR. Do you track how much that costs you?"

Email subject: The hidden MDR cost of failed UPI at [Company]

Objections

"We have Pine Labs / bank POS." Keep your banks; unipay sits above them. 5-store pilot, no hardware change.
"Customers pay by UPI now." That is why UPI backup and UPI-First matter.
"What does it cost?" Proposal after a 20-min discovery; never quote without the rate card.

Next steps & targets

Next steps: clean the 54 stores in CRM, then start walk-ins and calls

Check all 54 stores against the internal CRMRemove current customers and group entities
Load leads_stores.csv into the CRMTier, segment, decision-maker title, source link
Find the CFO / Head Ops for the top 15Sales Navigator, annual reports
Start the 15-day sequenceWalk-ins at Bengaluru / Mumbai stores first
Ask for a 5-store, 1-month UPI-backup pilotProof: UPI-backup case study, Reliance in-store UPI

PROPOSED weekly targets per SDR (planning assumptions, not company data)

40accounts researched

120first touches

25live conversations

10store walk-ins

6demos booked

1-2pilots / proposals

CRM check: public sources cannot prove a store is not already an Innoviti customer, under another product line or a group entity. Check every lead before outreach.

Store leads · interactive

All 54 store leads (store-only ranks 109-162)

#	Store chain	Segment	HQ	Confidence	Tier	Approach	Source

Click a column to sort, a row for details. Check every lead against the internal CRM before outreach.