How to Join India’s Most Trusted Mini-ATM Network
At Chairo, we believe that a personalized and transparent approach is key to building successful and sustainable partnerships. Our onboarding process is carefully designed to ensure clarity, efficiency, and confidence at every step—empowering you to deliver banking solutions in your community and grow together with us.
1

Apply
2

KYC & Verification
3

Agreement & Payment
4

Training & Setup
5

Installation & Activation
FAQ's
Frequently Asked Questions
How do I get started with a Chairo partnership?
Getting started is easy! Simply contact us to schedule an initial consultation or fill out our online inquiry form. Our team will discuss your goals, explain the different partnership models, and help you determine which opportunity is the best fit for you.
What kind of training and support can I expect?
We provide comprehensive training that covers device operation, transaction processing, compliance requirements, and customer service best practices. Additionally, you will have access to our 24/7 technical support helpline, marketing materials, and a partner dashboard to track your performance and earnings.
How is the security of transactions handled?
Security is our highest priority. All transactions are processed through secure, bank-approved APIs with end-to-end encryption. The QTM device utilizes biometric (UIDAI) and OTP-based authentication, and all operations are fully compliant with RBI and NPCI guidelines.
What are the initial investment costs?
The investment varies depending on the partnership model. The FOCO and FOFO models involve the cost of the QTM device, whereas the Agent program requires no upfront investment. For Distributor and Stockist roles, the investment is linked to inventory and territory size. We will provide a detailed financial breakdown during your consultation.
How and when will I receive my earnings?
Your earnings are automatically settled to your registered bank account at regular, pre-defined intervals. You will have access to a real-time, transparent dashboard that details all your transactions and the commissions you have earned.
Do I need a special license to operate a QTM?
You do not need a special license. A QTM is suitable for any existing retail store, commercial establishment, or area with high footfall. Your location and KYC documents will need to meet our standard verification criteria, and we will manage the necessary bank and regulatory alignments.
What happens if my QTM device has a technical problem?
Our support team is available 24/7 to assist with any issues. We use remote diagnostics to resolve problems quickly. If a hardware issue cannot be fixed remotely, we will provide a replacement device in accordance with our Service Level Agreement (SLA) to minimize downtime.
How is cash handling managed for the QTM device?
For the FOFO (Franchise-Owned, Franchise-Operated) model, the partner is responsible for managing the daily cash float required for customer withdrawals. For the FOCO (Franchise-Owned, Company-Operated) model, all cash logistics are handled by Chairo or our designated cash management agency, making it a hassle-free investment for you.
Do you provide marketing assistance to help drive customer footfall?
Yes, absolutely. We provide all our partners with a comprehensive marketing starter kit that includes in-store branding materials like banners and posters, as well as digital assets for social media promotion. We also run larger regional and national campaigns to build brand awareness for QTM services.
What are the eligibility requirements to become a partner?
The primary requirements are a commercial establishment with good visibility and regular customer traffic, along with valid business and personal KYC documents. The location should be secure and suitable for installing the device. Our team will conduct a simple verification of your location as part of the onboarding process.
Are You Ready
Start Your Journey With Us Today
Our proven, five-step process is designed to provide clarity, confidence, and complete support as you become a valued partner in our mission. Ready to build your business and drive financial inclusion in your community? Contact us today to begin your application.

