Once your customer gives permission, RocketPay auto-debits their account on the due date — you don’t have to do anything. If the payment doesn’t go through the first time, it tries again on its own. You can also retry manually on a date of your choice. You can check the status of every payment from your account at any time.

Your customers can use any UPI app they already have — PhonePe, Google Pay, Paytm, BHIM, or their bank’s app. For the full list of supported banks and apps, visit the official NPCI page.

Yes — your customers don’t need a UPI app for eNACH. The three most common 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. They do it once, and payments get auto-debited after that. For the full list of supported banks, visit the official NPCI page.

The limit is on each individual payment — not on the total you collect from a customer. With UPI AutoPay, each payment can be up to ₹15,000. With eNACH, each payment can be up to ₹1 crore. So if you want to collect ₹10 lakh in 100 instalments of ₹10,000 each, UPI AutoPay works. If you want to collect the same ₹10 lakh in 20 instalments of ₹50,000 each, you use eNACH. Same total — the instrument you choose depends on how large each individual payment is.

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.

No. Once a mandate is finished or cancelled, no further payments are auto-debited from your customer’s account. If you need to collect again, you will need to send them a new mandate request.

RocketPay’s device locking works on Android phones — not iPhones. Supported brands include Motorola, Xiaomi, Nothing, iQOO, Google Pixel, Tecno, Itel, Infinix, Honor, Samsung, Oppo, and Realme. You can manage all locks from your RocketPay app or dashboard.

When you finance a mobile phone, the phone itself becomes your security. If a customer misses a payment, you lock their phone remotely — they cannot use it until they pay. This brings overdue payments down to less than 1% of your portfolio. No field visits, no follow-up calls, no chasing. Once they pay, you unlock instantly from the RocketPay app.

No. There are a few things a customer might try — none of them work. Factory reset or hard reset — the phone can be reset, but as soon as it connects to the internet, the locking app installs itself back automatically. Connecting to a computer — this does not help. USB debugging is disabled at the system level, so the locking app cannot be deleted from a PC. The phone will only charge. The lock always comes back.

Once a payment is debited from your customer’s account, the money is credited to your account the next business day. This applies whether the payment was collected via UPI AutoPay or eNACH. You can check the status of every payment and settlement from your RocketPay app or dashboard.

If there’s a bank issue, RocketPay automatically retries until the money reaches your account. You don’t need to do anything — it resolves on its own. You can check the settlement status from your RocketPay app or dashboard at any time. You can always reach out to our 24x7 support for assistance.

Yes. If a payment fails, you can choose any future date to try again — the date is your choice. Just speak to your customer, agree on a date, and schedule the retry from your RocketPay dashboard. The mandate stays active — you don’t need to create a new one.

Yes. You can skip any collection as long as the collection attempt has not been initiated. The mandate stays active and all future collections continue as normal. Nothing gets cancelled.

Yes — your customer receives two automatic notifications before each payment is collected. Their bank sends one at least 24 hours in advance, and RocketPay sends one as well. You don’t need to do anything — both happen on their own. Your customer will always know the amount and date before the payment goes through.

Yes. RocketPay connects with Tally using a plugin you install once. After that, you can create mandates for any customer directly from Tally — either for a specific invoice or as a general collection. Your customer approves the mandate via UPI AutoPay or eNACH, and you can track every collection status from within Tally itself. You can also turn on automatic reconciliation to match collections against your Tally records automatically.

For eNACH mandates, the customer’s bank charges them a penalty of ₹550 + GST for the failed attempt. For UPI AutoPay mandates, no penalty is charged. You can retry the collection on any future date from your RocketPay dashboard.

Upcoming — The payment date hasn’t arrived yet. Payment collection initiated — The debit request has been sent to your customer’s bank. Payment collected, processing — The payment has been debited from your customer’s account. The money is on its way to you. Payment failed — The payment didn’t go through. You can retry on any date you choose from your dashboard. Settlement initiated — The money is being sent to your bank account. Payment deposited to you — The money has been credited to your account. Settlement failed — There was an issue sending the money to your account. RocketPay retries automatically. You can also reach out to our 24x7 support. Skipped — You skipped this payment. No debit was attempted. Manually collected — You’ve marked this payment as collected outside of RocketPay.

You can retry the collection directly from your RocketPay app or dashboard. You can retry as long as the mandate is active. RocketPay keeps the mandate active for 90 days after the last payment date, so you have plenty of time to collect any missed payment.

Create mandate → Add your customer’s details and set the payment schedule → Share the mandate link with your customer → Customer approves once via UPI AutoPay or eNACH → Payments are collected automatically on the dates you set

Via link — Share the mandate link with your customer, they open it and confirm the details, a request appears on their UPI app, they accept and enter their PIN, and the mandate becomes active. Via QR code — Share the QR code with your customer, they scan it using any UPI app, they are taken directly to the approval page, they accept and enter their PIN, and the mandate becomes active.

Your customer receives the mandate link, opens it and confirms the details, enters their bank account details, chooses how to verify — net banking, debit card, or Aadhaar OTP — completes the verification on their bank’s page, and the mandate becomes active.

Yes — and the law is on your side. A mandate payment that fails because of insufficient funds carries the same legal weight as a cheque bounce. This applies to both UPI AutoPay and eNACH, under the Payment and Settlement Systems (PSS) Act. Your customer cannot claim they did not know their balance was low — that defence is explicitly ruled out by the law. To take action: send your customer a written notice within 30 days of the failed payment. They get 15 days to pay. If they don’t, you can file a criminal complaint. The penalty can be up to 2 years imprisonment, a fine up to double the unpaid amount, or both.