AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Financial Operations · Invoice ManagementAdd a Payment Link to an invoice so the customer pays in one step, and see whether each link is active, paid, expired or disabled — from the dashboard or the API.
$link = $client->paymentLinks->create([
'title' => 'Invoice #204',
'amount' => 500000, // in paise, or omit to let the customer enter it
'currency' => 'INR',
]);
echo $link->short_url;Paynancial helps invoices get paid rather than creating them: you add a Payment Link to an invoice so the customer can pay in one step, each link shows whether it is active, paid, expired or disabled, and recurring invoices can be collected on a schedule with Smart Collections. Invoice creation, numbering and tax calculation are not described on this site.
Many businesses send an invoice as a PDF by email or a messaging app and wait for a bank transfer — then match each transfer to an invoice by hand. The slow part is not writing the invoice; it is getting it paid and knowing which invoices are still open.
Paynancial addresses the payment side. Create a Payment Link titled with the invoice number, put it on the invoice, and the customer pays in one step. The link's status tells you whether it has been paid, and payment webhooks let your accounting system mark the invoice settled.
Create the invoice in your accounting tool as you do today.
Title it with the invoice number and set the amount — or leave the amount for the customer to enter.
Put the link on the invoice, or send it alongside.
The customer opens the link and pays in one step.
See the link as paid, and let the payment webhook update your records.
Payment Links and Smart Collections — not an invoicing system.
Invoice Management is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Payment Links | Links for one-off invoices. See Payment Links. |
| Smart Collections | Recurring and scheduled invoices. See Payment Collection. |
| Payment Links API | /payment_links with a title, amount and currency. See the API Reference. |
| Reconciliation | Match invoice payments to settlements. See Reconciliation. |
A plain-language guide to the frameworks that apply. It is general information, not legal advice, and not a statement of Paynancial's own licences or authorisations.
RBI's framework for payment aggregators — businesses that collect payments on behalf of merchants — covering authorisation, merchant due diligence, how merchant funds are held and settled, and grievance handling. Payment gateways are treated as technology providers.
Recurring payments on cards, UPI and prepaid instruments need an e-mandate the customer registers with additional authentication, a notification before each debit, and the option to withdraw the mandate.
Lets a customer set up, view, pause and cancel recurring UPI mandates in their UPI app, for subscriptions and other repeating payments.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
A separate link for each invoice keeps status and reconciliation one-to-one.
The customer sees what they are paying; your team sees which invoice is settled.
If an invoice is cancelled or reissued, disable the old link.
Yes. Create a Payment Link titled with the invoice number, add it to the invoice, and the customer can pay in one step.
Each Payment Link shows whether it is active, paid, expired or disabled, and payment webhooks can tell your accounting system when a payment is made.
No. Invoice creation, numbering and tax calculation are not described on this site. Keep using your accounting software or CA to issue GST invoices, and use Paynancial to get them paid.
Yes. Smart Collections collects subscription and instalment payments on a schedule, with retries for failed attempts.
Tell us how your business takes and moves money, and we will show you how it fits.
Discuss your payment and financial infrastructure requirements.