Frequently Asked Questions

EMI Guard is an EMI device management and protection solution for mobile retailers - it helps a shop track EMI sales and payments, and automatically protects a financed phone if payments fall overdue.

Any mobile or electronics shop that sells phones on EMI directly to customers.

A shop sells a phone, registers the device with a QR scan, and tracks EMI payments from its dashboard. If a payment is overdue past the shop's grace period, the phone locks automatically and unlocks once paid.

At the time of sale, the shop scans a QR code shown in the dashboard to set the EMI Guard app up as the phone's managed device. This is a one-time step done before the customer starts using the phone.

The dashboard checks every sale's EMI schedule. Once an installment is overdue beyond the shop's configured grace period, the device receives a lock instruction on its next check-in and shows the shop's contact details and the amount due.

A customer can pay the shop directly, or pay via UPI straight from the phone's lock screen if it is locked.

Once the shop records the payment (or the UPI payment is confirmed), the device unlocks automatically on its next check-in.

Device Lock works on Android phones set up as a managed device at the time of sale. Factory Reset Protection specifically needs Android 11 or newer. See the Device Compatibility page for full details.

Yes, the device needs an internet connection to check in with the server periodically. It tolerates a short offline period without locking.

From the Pricing page or your shop dashboard - choose a plan and pay via UPI; the super admin approves the payment and your plan activates.

Each EMI Guard login is tied to one shop. A business with more than one branch can register a separate shop account per branch.

Use the Contact Us page, or email hello@apnabillpay.in.