AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Products · Smart CollectionsCollect subscription payments, instalments, or bulk dues on schedule, with reconciliation built into every cycle.
$collection = $client->collections->create([
'customer_id' => 'cust_7Fk21',
'amount' => 150000, // in paise
'schedule' => 'monthly',
]);
echo $collection->id;Paynancial Smart Collections collects subscription payments, instalments and bulk dues on a schedule, retries failed attempts on a defined schedule, keeps customers informed, and reconciles every collection against the customer and cycle it belongs to.
For businesses collecting recurring fees, instalments, or payments from many customers at once.
Set up a collection schedule or upload a batch of customers.
Paynancial attempts collection on the defined date.
Successful and failed attempts are recorded per customer.
Reconciled results appear in your collection report.
Illustrative examples from Paynancial's industry pages.
Collect recurring or scheduled payments from a customer. The same API powers the dashboard, your systems and any agent working for you.
| Parameter | Description |
|---|---|
customer_id | The customer being charged |
amount | Amount per collection, in paise |
schedule | How often to collect; the published example uses monthly |
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
Covers e-mandates for recurring payments on cards, UPI and prepaid instruments, including registration by the customer 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.
NPCI's system for high-volume, repetitive bank transfers — bulk credits such as salaries and dividends, and debits against mandates such as loan instalments.
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.
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 failed attempt is recorded with a reason code and can be retried on your defined schedule.
Yes — bulk collection lets you submit a batch and track each customer’s result individually.
Yes. Customers are kept informed as a collection is due or completed.
Automatically. Each collection is matched against the customer and cycle it belongs to, and results appear in your collection report.
Tell us how your business takes and moves money, and we will help you get started.
Discuss your payment and financial infrastructure requirements.