Collection Infrastructure for Indian Lenders and Businesses
UPI Autopay & eNACH mandate infrastructure — launch faster, collect more, get real support.
Also available: DLC and native OEM device locking for financed mobile phones.
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.
Book Demo
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.
Book DemoWho 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.
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 & Manufacturers
Automate trade credit collections and secure financed devices with DLC and native OEM locking.
SaaS & Subscription Businesses
Collect subscriptions automatically, every cycle.
What you can do
Built for every collection model.
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.
- Go live in 48 hours
- Higher collection efficiency
- Deep collections workflow
- Dedicated Account Manager with 24x7 Support
- Custom workflow flexibility
- On-time settlements
Our Impact
India's most trusted and fastest growing collections infrastructure.
Collect on Tally
Your Tally. Now a collections engine.
Install RocketPay's TDL and set up UPI Autopay & eNACH mandates directly from your customer ledger — without leaving Tally. Track debit status, manage collections and stay on top of receivables, all within the software your business already runs on.
Testimonials
"Before RocketPay, our collection team was spending 60% of their time chasing payments. After integrating UPI AutoPay, our collection rate improved from 72% to 87% within 3 months. The device locking feature has been a game-changer for high-value loans. Their team understands the fintech space—no handholding needed."
"We distribute electronics to 400+ retailers. Trade credit terms are 30–45 days, and collections were a nightmare. RocketPay's UPI AutoPay means retailers authorise payment upfront, and we collect automatically. Our DSO improved from 38 days to 12 days. Frankly, it's changed how we do trade credit."
"We serve 12,000+ borrowers across Bihar and Uttar Pradesh. Manual collection was killing us—field agents, travel costs, defaults. RocketPay's eNACH setup took less than 48 hours, and our collection cycle dropped from 20 days to 3 days. The penalty and retry features mean we don't have to follow up manually anymore."
Get started
Let's build your collections infrastructure.
Talk to us about your use case and we'll show you exactly how RocketPay fits.
FAQs
Frequently asked questions
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.
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.
The three most common eNACH mandate 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.
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.
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.
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.