Phone Number
Sales : +91 91373 80530
Support : +91 91373 80530
Sell Phones on Installments
With Secure Protection
Against Payment Defaults
debtLocker is a reliable device locking solution that helps retailers sell smartphones on EMI with confidence. Manage financed devices, send payment reminders, and stay protected against payment defaults while maintaining full control over your growing financing business.
Growing Retail Network
120,00+ retailer partners
Presence
Active in pan India
Proven Reliability
1M+ device lock keys delivered
Years of Trust
1+ years securing device sales
Protect Your Device Financing Business from Payment Defaults
Selling smartphones on EMI or installment plans is highly profitable but carries significant risk of payment evasion and default. debtLocker solves these operational challenges by directly linking device utility to loan compliance, ensuring that financed phones stay protected and merchants stay in full control.
- Remote lock & unlock capabilities
- Anti-tamper & factory reset block
- SIM swap detection & authorized location lookup
- Automated customer payment alerts
- 24/7 dedicated merchant assistance
Services & Features
Comprehensive device locking solutions designed to protect
installment sales,
keep repayments on track, and secure financed devices remotely.
Instant Remote Device Lock & Unlock
Enable retailers to restrict device access, as per the agreed financing terms, when scheduled payments remain overdue after due notice, and restore full access instantly once payment is confirmed.
- Restrict screen navigation and app access as per the agreed financing terms upon payment default.
- Display customized payment reminders and quick pay buttons on lock screens.
- Allow emergency dialing and merchant contact options even while locked.
Simple QR-Based Device Onboarding
Register and secure new financed devices in seconds. Store staff can enroll smartphones using a simple QR code process before customer handover.
- Fast setup requiring no technical expertise.
- Supports all major Android smartphone brands and models.
- Quick sync with loan details and customer profile records.
- Instant linkage to your centralized merchant app.
Centralized Merchant Portfolio View
Gain complete visibility over your financed device fleet. Monitor payment compliance, device states, and collection trends from a single portal.
- View lock status, payment timelines, and customer payment status.
- Trigger manual over-the-air locks, unlocks, or custom notifications.
- Export granular audit logs and payment history reports.
Device Compliance & Configuration Management
Maintain device integrity during the financing period by configuring key security settings as agreed upon in the customer financing contract.
- Restrict developer settings, USB debugging, and firmware modifications during the financing period.
- Detect SIM changes and notify the retailer for verification purposes.
- Apply preset security policies as per the financing agreement.
Compliance Protection During Financing Period
Maintain the integrity of the compliance software throughout the active financing period, as authorized under the customer's signed financing agreement.
- Prevent unauthorized removal of compliance software during the active financing period.
- Maintain software persistence through system restarts and safe-mode scenarios.
- Auto-restore compliance settings if configuration changes are detected.
Offline Compliance Safeguard
Maintain payment compliance even when a financed device loses connectivity. Retailers can configure an offline compliance window as per the financing agreement.
- Notify users about pending installment obligations.
- Apply agreed-upon compliance restrictions locally until network connectivity is restored.
Consent-Based Location Lookup
Access device location strictly based on prior customer consent to assist with fraud prevention and authorized recovery.
Hardened Data Security
Rest assured that the locking mechanism is deep-seated. Even factory resets won't remove the lock until you authorize it.
Automated Reminders
Send automated push notifications and on-screen warnings to encourage prompt repayments, reducing late payments and defaults.
Instant Cloud Controls
Unlock devices instantly over-the-air from the cloud once payment verification is received, ensuring a friction-free customer experience.
Ready to Secure Your Device Financing Business?
Reduce payment defaults and scale your smartphone installment sales with debtLocker. Secure, monitor, and manage your financed devices with ease.
Book a DemoTestimonials
Hear from our partner retailers and merchants about how debtLocker has protected their business and empowered smartphone sales.
Ravi Kumar
Retail Store Owner
debtLocker has made managing phones sold on installments incredibly easy. We can lock or unlock devices in seconds, and the dashboard is simple to navigate. Now, customers feel comfortable buying on installment plans and we have zero default anxiety.
Priya Sharma
Operations Manager
With debtLocker's secure locking system, we were able to launch device financing across all our retail branches. Our sales have increased significantly because we can confidently offer installments while keeping our capital safe.
Manish Gupta
IT Director
The anti-tamper security and offline lock features of debtLocker have saved us countless hours. Customer payment discipline has improved, and attempts to format or bypass the lock are completely prevented.
Anjali Rao
Retail Chain Partner
Before deploying debtLocker, if a buyer stopped paying, we had very little recourse. Now, device access is tied directly to payment compliance, allowing us to finance the latest smartphone brands with complete peace of mind.
%
Increase in On-Time Payments
%
Reduction in Payment Defaults
%
Growth in Financed Sales Volume
K+
Retail Partners Secured
Have a question? Check out the FAQ
What is debtLocker and how does it protect my device financing?
debtLocker is a secure EMI locking application designed for retailers, distributors, and device finance companies. It links utility access to payment schedules. If a customer misses their installment, the device locks automatically, encouraging prompt collection. It unlocks immediately once payment is verified.
What happens if the customer attempts a factory reset?
debtLocker features robust anti-tamper security. If a device is factory reset or wiped, the lock and all pre-configured security policies are automatically re-applied during the initial setup process, keeping your investment protected.
What if the device is formatted at a third-party service center?
Even in cases of hard software formats or firmware flashing at a service center, our deep security protocols ensure that the locking software reinstall triggers immediately upon reactivation and internet connection.
How does the offline compliance safeguard work?
If a financed device remains without internet connectivity for a period defined in the financing agreement, the retailer's pre-configured compliance policy may restrict certain device functions locally. Full access is restored automatically once the device reconnects and payment status is verified.
Does the locking application affect smartphone performance or battery life?
No. debtLocker is highly optimized to run quietly and lightweight in the background. It consumes negligible system resources, memory, and battery, ensuring the phone runs smoothly for your customers.
Does debtLocker help in tracking and recovering default devices?
Yes. Subject to explicit customer consent in the financing agreement, debtLocker assists merchants by reporting SIM swap events and last active location logs. This data is processed strictly for security, default prevention, and recovery, fully complying with Indian data privacy standards.
Contact
Contact Info
Feel free to reach out to us for any inquiries or support. We're here to assist you and provide secure device locking solutions for your business.
Email Address
Sales : Sales@debtlocker.in
Support : Support@debtlocker.in