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What We Do
Mandate-based collections and device locking — in one platform.
Two purpose-built products for lenders and businesses that collect recurring payments.
Automate every collection cycle
Collect loans, deposits, trade credit and subscriptions via UPI Autopay & eNACH mandates — with smart retries, balance-aware recovery, and flexible deployment via API, Android app or Tally.
Cut delinquencies at the device level
DLC and native OEM locking that activates on default and releases on recovery — via API or Android app. Built for regulated lenders and mobile retailers.
Who We Serve
Collection solutions for every type of business
From regulated lenders to MSMEs — RocketPay fits your collection model.
NBFCs, Fintechs & Regulated Lenders
Automate loan collections with AA-based recovery, non-cancellable mandates, and device locking.
SaaS & Subscription Businesses
Collect subscriptions automatically, every cycle.
MFIs
Mandate-based group and individual loan collections built for microfinance operations.
Credit Cooperative Societies
Collect loan repayments and deposits from members — automated and compliant.
Retailers, Distributors and Manufacturers (MSME)
Automate trade credit collections and secure financed devices with DLC and native OEM locking.
Built for every collection model
Choose your use case and see how RocketPay fits.
Loan Collections
Automate EMI and recurring loan repayments — with smart retries and balance-aware recovery.
Trade Credit Collections
Collect from retailers and MSMEs across your distribution network, on mandate.
Deposit Collections
Automate recurring deposit collections from members and customers.
Subscription Collections
Collect recurring payments for SaaS and service businesses, every cycle.
Collect from Tally
Create and track mandates directly inside Tally — no separate dashboard needed.
Mobile Locking
Secure financed devices with DLC and native OEM locking — lock on default, release on recovery.
Why RocketPay
Collection infrastructure built for depth
From go-live to recovery — six reasons lenders and businesses choose RocketPay.
Go live in 48 hours
Higher collection efficiency
Deep collections workflow
Dedicated Account Manager with 24x7 Support
Real-time analytics
Customizable reports
Mobile accessibility
Enhanced security
Our Impact
India's most trusted and fastest growing collections infrastructure.
₹5,000 Cr+
Worth of mandates created
1.2 Cr+
Transactions created
5 lakh+
Mobile devices secured
10%-15%
Reduction in NPAs via device locking
Collect on Tally
Your Tally. Now a collections engine.
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Freelance Consultant, EH Strategies
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Marketing Director, Horizon Brands
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Michael Reed
Owner, Reed & Co.
Frequently asked questions
What is a mandate?
A mandate is a one-time permission your customer gives you to collect payments automatically on a scheduled date. They approve it once — through UPI Autopay or eNACH, which are NPCI’s systems for automated recurring payments — and every collection after that happens without any follow-up needed from either side.
Does a customer need to approve each collection separately?
No. A mandate requires only one-time authorisation. Once approved, all subsequent collections within the mandate happen automatically on the scheduled dates — no OTP, no PIN, no action required from either party.
Is KYC required to start using RocketPay?
Yes — your business will need to complete a one-time KYC verification as part of onboarding. This is a standard regulatory requirement for all businesses using payment infrastructure in India. No KYC is required from your end customers — they simply authenticate the mandate, and collections run from there.
Which banks and UPI apps support UPI AutoPay mandate registration?
Any NPCI-registered UPI app and bank supports UPI AutoPay mandate registration — including PhonePe, Google Pay, Paytm, BHIM, WhatsApp Pay, Amazon Pay, and all major bank-native apps. The mandate is registered against the customer’s VPA handle. For the complete and updated list of supported banks and PSP apps, visit the official NPCI page.
What instruments can customers use to authenticate an eNACH mandate?
The three most common eNACH authentication methods are — Net Banking, Debit Card, and Aadhaar OTP. Some banks additionally support PAN-based authentication, and a few offer Customer ID-based authentication via their own portal. Available methods vary by bank. For the complete list of supported banks and their authentication options, visit the official NPCI page.
What do the different mandate statuses mean?
Pending — The mandate link has been sent to your customer, but it is not approved yet. No collections will happen until your customer authorises the mandate.
Active — Your customer has approved the mandate. Collections will run automatically on the scheduled dates.
Paused — The mandate is active but temporarily paused. No future debits will be attempted until the mandate is unpaused or resumed.
Finished — The mandate has completed its full tenure. No further debits will occur.
Cancelled — The mandate has been cancelled. No further debits will occur.
Expired — The mandate link was not approved within the validity window and has lapsed. You will need to send a new mandate request to the customer.
Active — Your customer has approved the mandate. Collections will run automatically on the scheduled dates.
Paused — The mandate is active but temporarily paused. No future debits will be attempted until the mandate is unpaused or resumed.
Finished — The mandate has completed its full tenure. No further debits will occur.
Cancelled — The mandate has been cancelled. No further debits will occur.
Expired — The mandate link was not approved within the validity window and has lapsed. You will need to send a new mandate request to the customer.
How long does settlement take after a successful collection?
Settlement happens on T+1 — funds are credited to your account on the next business day after a successful collection. This applies to both UPI Autopay and eNACH. Settlement timing starts from when the debit is confirmed on the customer's account. You can track exact collection and settlement timestamps in real time from your RocketPay dashboard.