eNACH and UPI AutoPay collections
हर EMI, समय पर।
Your customer approves an eNACH or UPI AutoPay mandate once. HSPay collects each instalment on its due date and shows you what came in — in the app, the web portal or your own software.
Anita Rao
Smartphone on EMI
₹2,450× 6 months
Collected ₹7,350 of ₹14,700
Trusted by businesses across India
Every instalment shows up the moment the bank confirms it — on your phone and in the portal. No spreadsheets, no calling customers to ask.
Collected this month
₹4,82,350+12.4%Active mandates
1,248+86 this monthCollected on the due date
96.4%last 30 daysCollections, last 12 weeks
Live
Three steps, and the second one happens only once per customer.
Register and upload your KYC documents once. Our team checks each document against your business type before you go live.
Share a mandate link at the time of sale. The customer approves it with net banking, a debit card, Aadhaar or any UPI app.
Each instalment is debited automatically on the due date. You see every collection in the app and the portal — no reminders, no follow-up calls.
From a single mobile shop to a lender with thousands of borrowers.
Sell phones, TVs and appliances on EMI without visiting or calling customers every month.
Collect loan EMIs through mandates and connect the API to your loan system.
Bring your retailers on board under your account. Each one gets its own KYC, wallet and login.
Schools, gyms, landlords and services that bill the same customers every month.
The documents we ask for depend on your business type — a proprietor uploads different papers than a private limited company. Our team opens every document, reads the details and compares them with what you entered.
Recharge your HSPay wallet and a small fee is taken when a mandate is created — based on the number of EMIs. Busy networks can buy EMIs in packs. Every rupee shows up in your wallet statement.
Lenders and larger businesses can work from their own systems. Every request is signed with your secret key, retries never double-post, and HSPay tells your server about changes through signed webhooks.
Add retailers from your account. Each retailer gets its own login, completes its own KYC and keeps its own wallet — you see who is ready to collect.
Try a sale. This is the schedule your customer approves once — after that, every instalment is collected on its date.
More calculators: EMI schedule, flat vs reducing rate, GST, costs★★★★★
“Earlier I called every phone-EMI customer near the 5th of the month. Now the EMIs simply arrive and I see them in the app.”
Our vision
Every business in India that sells on instalments gets paid on time — without chasing a single customer.
Our mission
We make eNACH and UPI AutoPay mandates simple enough for any shop, lender or distributor: verified onboarding, clear prices, and every collection visible the moment it happens.
No business can collect before our team approves its KYC.
Corrections are saved as new copies; the original always stays.
Bank account and ID numbers are stored encrypted and shown masked.
Who did what and when is kept in an audit trail.
A mandate is a one-time permission from your customer to debit their bank account for each EMI on its due date. It is approved once through eNACH or UPI AutoPay; after that, every instalment is collected without any action from the customer.
With eNACH, the customer approves using net banking, a debit card or Aadhaar, depending on their bank. With UPI AutoPay, they approve in any UPI app with their UPI PIN.
No. Your business completes KYC with us once. Your customers only approve the mandate with their own bank or UPI app.
You keep a prepaid wallet. When a mandate is created, a fee based on the number of EMIs is taken from the wallet, or EMIs are used from a pack you bought. Your plan is agreed with you during onboarding.
Yes. Add them from your account. Each retailer gets its own login, KYC and wallet, and you can see their status.
Yes. Request sandbox keys, sign each request with your secret, and receive signed webhooks. See the developer overview.
Tell us a little about your business. We will call you back, show you the app and the portal, and help you go live.