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Embedded Finance · Embedded BillingRecurring billing, built into your own software.
Technology partners embed Paynancial's Billing APIs so subscriptions and instalments are collected on schedule inside their own product — with retries, customer notifications and reconciliation handled.
- Collections API
- Scheduled collections
- Retries for failures
- Reconciled per cycle
$collection = $client->collections->create([
'customer_id' => 'cust_7Fk21',
'amount' => 150000, // in paise
'schedule' => 'monthly',
]);
echo $collection->id;What embedded billing means on Paynancial.
Embedded billing means a software product collects recurring payments inside its own experience. On Paynancial, technology partners embed the Billing APIs: the Collections API collects recurring or scheduled payments from a customer, Smart Collections retries failed attempts on a defined schedule and keeps customers informed, and each collection is reconciled against the customer and cycle it belongs to. Billing on behalf of a platform's own business users is not described on this site.
A SaaS product charging its customers every month, a fitness app collecting membership fees, an education platform collecting instalments — when the billing lives inside the product rather than in a separate billing tool, that is embedded billing.
On Paynancial it runs on Smart Collections. Your product creates a collection with the customer, the amount and the schedule; Paynancial collects on schedule, retries failed attempts, keeps the customer informed and reconciles each collection to its cycle — and your product hears about each one by webhook.
- Billing on behalf of your platform's business users
- Invoice generation and tax calculation
- Supported mandate types for your customers
- Pricing for platforms
Step by step.
- 01Create the customer
Your product identifies the customer being billed.
- 02Set the schedule
Create a collection with the amount and schedule — monthly, for example.
- 03Collected on schedule
Paynancial collects each cycle and retries failed attempts.
- 04Customer kept informed
Customers are notified about their payments.
- 05Reconciled
Each collection is matched to the customer and cycle it belongs to.
What you can build on now.
Smart Collections capabilities, embedded through the API.
- Collections API
- Create recurring or scheduled collections from your software.
- Schedules
- Collect monthly or on the schedule you set.
- Retries
- Failed attempts are retried on a defined schedule.
- Customer notifications
- Customers are kept informed about their payments.
- Bulk collection
- Collect from a batch of customers in a single run.
- Automatic reconciliation
- Each collection is reconciled to its customer and cycle.
Across the Paynancial platform.
Embedded Billing is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Smart Collections | Recurring and bulk collection. See Payment Collection. |
| Collections API | POST /collections. See the API Reference. |
| Payment Links | One-off charges alongside the subscription. See Payment Links. |
| Invoice Management | Getting invoices paid. See Invoice Management. |
Getting it right.
- 01Tell customers before you charge
Clear reminders reduce failed payments and disputes.
- 02Handle retries in your product
Use webhooks to show a customer when a payment failed and when it will be retried.
- 03Make cancelling easy
A customer who can cancel easily is less likely to dispute a charge.
Embedded Billing questions.
What is embedded billing?
Recurring billing that lives inside a software product — subscriptions, memberships or instalments collected without a separate billing tool.
How does embedded billing work with Paynancial?
Technology partners embed the Collections API: create a collection with the customer, amount and schedule, and Smart Collections collects on schedule, retries failed attempts, keeps the customer informed and reconciles each cycle.
How are recurring payments authorised?
Recurring payments rely on the customer authorising them in advance. The specific rules for cards, UPI and bank accounts are not summarised here until verified against official sources — ask our team.
Can Paynancial bill on behalf of my platform's business users?
Billing on behalf of a platform's own business users is not described on this site. Ask our team about your requirements.
Ask about embedded billing.
This capability is not confirmed as a Paynancial product. Tell us what you need and our team will tell you what is available.