B2B payment collection for Indian businesses

Sell on credit. Get paid on the due date.

Your buyer authorises a UPI Autopay or NACH mandate once. FundRaksha reminds them before the due date and collects the money on the day, straight into your bank account.

पेमेंट समय पर, बिना बार-बार फ़ोन किए।

1%success fee, only on what is collected.
No setup or monthly fees.
Invoice INV-0892
Om Hardware · ₹3,25,000
Paid on time
  1. Invoice uploadedFrom Tally · INV-0892
  2. Sent to buyerWhatsApp + email
  3. Mandate authorisedUPI Autopay · Om Hardware
  4. Reminder sent3 days before due date
  5. Auto-debited on due date₹3,25,000 credited to you
UPI Autopay NACH e-mandates Debit & credit cards WhatsApp, SMS & email reminders Import from Tally & Excel
Why Collect

Late payments cost more than the interest

Most suppliers don’t lose money on bad products. They lose it waiting for payments nobody had time to chase.

Invoices slip past due dates

Buyers pay when it suits them, and every other bill of yours has to wait.

Hours spent chasing

Calls, messages and visits that should be spent selling, not reminding.

Unpredictable cash flow

You can’t plan stock, salaries or growth when you don’t know when money will land.

No clear picture

Notebooks and spreadsheets don’t tell you who owes what, and since when.

How it works

Five steps from invoice to money in the bank

बिल भेजें → मंज़ूरी → याद दिलाना → पैसा खाते में

  1. 01

    Upload your invoice

    From PDF, Excel or Tally, or create it here. Details are read and checked for you.

  2. 02

    Buyer gets a secure link

    Sent on WhatsApp, SMS or email with the invoice and a payment authorisation link.

  3. 03

    Buyer authorises a mandate

    UPI Autopay, NACH or card, one-time or recurring, in a few taps on their phone.

  4. 04

    Smart reminders

    Polite nudges before the due date, so the buyer is ready and nobody has to call.

  5. 05

    Auto-debit on the due date

    The amount is collected on the due date and credited to your bank account.

E-mandates · एक बार मंज़ूरी

Your buyer approves once. You get paid on time.

The buyer sees your invoice and authorises the payment from their own phone. Nothing is debited before the due date, and every step is recorded.

  • UPI Autopay, NACH or card
  • One-time or recurring payments
  • Regulated payment rails, money straight to your bank
  • Works for buyers anywhere in India
Secure payment authorisation
Supplier
Gupta Steel Traders
Invoice INV-0892₹3,25,000
Due date15 Nov 2026
Pay with
UPI AutopayApprove in your UPI app
NACH e-mandateNet banking or debit card
CardDebit or credit card
Authorise payment
Debited only on the due date. Through regulated payment rails.
Reminders · समय पर याद

Polite reminders, so nobody has to make awkward calls

Reminders go out on WhatsApp, SMS and email before the due date, in a professional tone that keeps your buyer relationship intact.

  • Scheduled before and after the due date
  • Invoice attached to every message
  • Follow-ups when a payment is late
  • Late-payment interest as per the MSME Act
Reminder schedule
याद दिलाना हमारा काम
  1. WhatsApp7 days before
    Invoice INV-0892 of ₹3,25,000 is due on 15 Nov.
  2. Email3 days before
    A friendly reminder with the invoice attached.
  3. SMS1 day before
    Your payment will be auto-debited tomorrow.
  4. Auto-debitDue date
    ₹3,25,000 debited and credited to the supplier.
Dashboard · पूरा हिसाब एक जगह

Know exactly who owes what

Every invoice, mandate and payment in one place. See what lands this week, what is overdue, and which buyers pay on time.

  • Collected, due and overdue at a glance
  • Receipts, returns and buyer ledgers
  • Buyer payment behaviour and scoring
  • Reports you can share with your accountant
Recovery dashboard
Collected this month
₹18,40,000
Due this week
₹6,25,000
Overdue
₹1,10,000
Om Hardware₹3,25,000
Shree Ganesh Traders₹1,80,000
Patel Distributors₹95,000
Metro Supplies₹1,10,000
Sample data Updated as payments land
When a buyer stops paying

From reminder to legal notice, in one family

If reminders and follow-ups don’t work, the invoice can move to FundRaksha Legal. A dedicated advocate sends a legal notice within 24 hours and negotiates a settlement.

About FundRaksha Legal
1. Collect
Reminders, mandates and auto-debit
2. MSME Act interest
Late-payment interest on delayed invoices
3. FundRaksha Legal
Advocate-led legal notice and recovery
Pricing

You pay only when you get paid

No setup fee, no monthly fee. A 1% success fee on amounts actually collected into your bank account, billed every 15 days.

Success fee
1%of amount collected
Collected from buyer₹1,00,000
FundRaksha fee (1%)₹1,000
You keep₹99,000
See pricing
FAQ

Questions, answered

Still unsure? Book a free demo and we’ll walk you through it with your own invoices.

You upload or create an invoice. Your buyer gets a secure link to authorise payment by UPI Autopay, NACH or card. FundRaksha sends polite reminders before the due date, and on the due date the amount is auto-debited and credited to your account.

Stop chasing payments. Start collecting them.

Book a free demo. 1% success fee, only on what is collected.