Platform / Payments
The shortest path from promise to money in the account
Payment links, UPI and NACH, promises tracked to the day, and a self-service portal where a borrower can settle at midnight without speaking to anyone.
- 10:02Call connected · Hindi
- 10:04Promise to pay recorded · 12 Aug
- 10:04Payment link sent
- 10:31Payment received₹4,850
- 10:31Account cured · evidence filed
How it runs
Payments end to end
The same shape on every account: the flow acts, the world answers, the account is written. Nothing depends on someone remembering.
- 1AgreeA promise is captured as a date and an amount, in the conversation, as fields.
- 2SendThe payment link goes out while the call is still live, not after it.
- 3RemindThe day before and the morning of, against the borrower's own commitment.
- 4CollectLinks, UPI, NACH mandates and the self-service portal, on your own gateway keys.
- 5ReconcileThe receipt matches back to the loan and the promise, so nobody chases paid money.
Kept or broken, the outcome is a branch, and the flow acts on it the same day.
What it does
The working parts
Each part is a real record in the platform, not a feature on a slide. 4 of them make up payments.
Links in every channel
The voice agent, a WhatsApp message or a field officer can issue the same payment link, tied to the account and reconciled automatically.
PTP tracking
Promises have dates. Kept promises close the loop; broken ones re-enter the flow on the branch you drew for exactly that.
Self-service portal
A borrower-facing page with the outstanding amount, payment options and receipts - no app install, no login friction.
Reconciliation
Razorpay and Cashfree callbacks post payments to the account in near real time. The ledger, not a spreadsheet, is the source of truth.
- In-call
- Your keys
- Matched
Sent while intent is at its peak.
Razorpay or Cashfree, under your own contract.
Unmatched receipts surface as an exception somebody owns.
Controls and outputs
What you set, and what you get back
Every control is a setting in the admin app with an audit trail; every output is a record on the borrower, not a spreadsheet.
Settings are per tenant and per campaign, and every change is attributable. Outputs are written as the work happens, not assembled afterwards.
Part of one system
Payments does not work alone
The signals it produces are read by the rest of the platform the same second. These two are the closest neighbours.
Field operations
Field visits that end as data, not diary entries
The FOS app puts the day's allocations, directions and scripts on the officer's phone, works without signal, and returns geo-tagged visit records the flow can act on.
Open field operationsAnalytics
The book, explained - not another export to Excel
Operations dashboards, AI cohort intelligence, recovery forecasts and agent performance, computed on the live book and rendered in the units Indian lending actually uses.
Open analyticsQuestions
Before a pilot on payments
The questions a collections head or an infosec team asks first. Anything else, an engineer answers on the demo call.
Whose payment gateway is it?
Yours. Your Razorpay or Cashfree credentials, your settlement account, your rates. The platform creates links and mandates on your behalf and reads the webhooks.
How are promises to pay tracked?
A promise is a dated record on the account. The engine watches the date: a payment by then keeps the promise, a miss branches the flow and marks the promise broken for the dashboards.
What about settlements and hardship?
Settlement offers and hardship plans are records with an approver, a validity and a schedule. The workflows for negotiated restructures are on the roadmap and are not yet in the product.
Further reading
Notes that go deeper
Written for practitioners, ungated, and specific to Indian lending.
Closing the gap between a promise and the money
The promise-to-pay is the moment collections usually calls a win. The money arriving is a separate event, several days and several failure points later, and most of the loss happens in between.
ReadKept-promise rate: the metric that separates activity from recovery
Calls made, contacts reached and promises taken are all measures of effort. Promises kept is the first one that correlates with money, and it is the one most floors do not compute.
ReadBring one delinquent cohort. We will run it.
A demo here is not a slideshow. Pick a segment of your book, watch a flow built for it, and hear an agent call a test number in your language.