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Digital Payments Without Digital Barriers
- Robust Payment Stack
- Native SDKs for Android & iOS
- API Integrations with your App
CMS
₹
0
K Cr.+
Digital Payment / PA
₹
0
K Cr.+
BC Business
₹
0
K Cr.+
Merchant Networks
0
Million
Trusted Across Diverse Industries
Digitize customer onboarding with instant KYC, bank verification, and compliance checks via Fingpay’s API/SDK, whitelabel customer apps or WhatsApp solutions
Our Product Stack
Instant onboarding. Verified customers. Zero friction.
- Paperless KYC (Aadhaar, PAN, Video, Bank verification)
- Real-time validation with full audit trail
- Fully API/SDK driven, WhatsApp journey
- Ready-to-disburse accounts in minutes
- Compliant, secure, and traceable
Enable fast, reliable digital collections with a plug-and-play field app, RESTful APIs, and embeddable SDKs.
Our Product Stack
Start collecting in minutes. Reconcile instantly.
- Plug-and-play app for digital field collections
- Generate Dynamic QRs (Centre/Group or Individual)
- Native SDKs and APIs for custom app integration
- Offline support with auto-sync
- Real-time reconciliation and audit logs
Assign a single reusable UPI QR per customer for payments.
Our Product Stack
One QR. All payments. No confusion.
- Works with any UPI app
- Auto-mapped to loan and customer ID
- Instant confirmation and reconciliation
- Eliminates cash and branch visits
- No suspense payments
Secure field cash collections with end-to-end tracking, authorized Cash drop points, and instant reconciliation.
Our Product Stack
Secure cash collections. Zero leakage.
- 18,000+ pincodes, 8L+ Merchants for instant cash deposit
- Same day settlements
- Instant digital acknowledgement for cash collection
- Tokenized/Bulk deposits at authorized CMS points
- GPS, Geo-fencing, and audit trail for every cash drop
- Reduced cash risk, faster reconciliation, lower exposure
Empower customers to self-pay EMIs and other value added services via a customized mobile app.
Our Product Stack
Self-service repayments. Zero follow-up.
- In-app EMI payments (UPI & PG)
- Instant status and updated Loan Statement
- Auto reminders and notifications
- Self-Service (FAQ and AI Chatbot
- Cross-Sell benefits
Automate high-volume customer calls using an intelligent AI voice agent for follow-ups and collections.
Our Product Stack
Always available. Always consistent.
- Outbound payment reminder and follow-up calls
- Multilingual, natural-sounding conversations
- Promise-to-Pay and callback capture
- Sensitive case detection and human escalation
- Automated SMS / WhatsApp follow-ups with payment links
Enable instant B2B/B2C payment collection like UPI, Virtual Accounts (NEFT/RTGS/IMPS) & others on the invoices with auto reconciliation in the ERP/Billing software.
Our Product Stack
Payment Collections and Reconciliation Solved
- Real-time payments visibility
- Automatic invoice and customer mapping
- Faster & automated outstanding dues closure
- Integration to your ERP for Reconciliation
Enable sales/delivery teams to instantly collect payments at delivery.
Our Product Stack
Digital delivery collections. Full field visibility.
- Point-of-delivery collections
- Sales/Delivery tracking with location tags
- Instant receipts & status updates
- All payment modes supported
Get a real-time view of daily collections, field activity, and customer ledgers on one platform.
Our Product Stack
Payment Collections and Reconciliation Solved
- Daily auto-reconciliation
- Customer/Partner ledgers & ageing
- Invoice-to-payment matching
- Faster day-end closing
- Audit-ready
Automate order-taking and invoice follow-ups with an intelligent AI voice agent
Our Product Stack
From enquiry to closure. Without manual calls.
- Automated order capture with structured data logging
- Real-time routing of requests to sales or operations teams
- Automated invoice reminders and status confirmation
- Promise-to-pay tracking and final closure management
- Multi-channel & Multi-lingual follow-ups via SMS & WhatsApp
Enable last-mile cash in and cash out through Aadhaar-based banking.
Our Product Stack
Turn Every Outlet into a Banking Point
- Plug-and-play AEPS SDKs and APIs
- Real-time authentication, settlement, and reconciliation
- NPCI-compliant, high-uptime infrastructure
- Higher commissions and faster rollout
Accept digital payments using UPI, BHIM Aadhaar Pay, MPOS, Soundbox.
Our Product Stack
Cardless. Cashless. Frictionless Payments.
- All payment options enabled
- BAP Payments via fingerprint, iris, or face authentication
- Instant bank credit and faster checkout
- Designed for low-connectivity environments
Provide ATM-like cash access at BC locations.
Our Product Stack
Making ATMs Accessible in Every Village
- Real-time switching, settlement, and reporting
- High-uptime, low-decline architecture
- Built for last-mile banking at scale
- PCI-compliant, fast and secure processing
Fingpay’s platform enables large businesses to collect customer payments across various payment modes
Our Product Stack
Collect from Anywhere. Track in One Place.
- One integration for all payment modes
- Real-time payment status and settlement visibility
- Automatic mapping to orders, customers, and invoices
- High-volume, peak-load ready infrastructure
- Audit-ready reports
Assign unique virtual accounts to customers, partners, or locations for auto-identified and real-time reconciled payments.
Our Product Stack
Know Who Paid. The Moment They Pay.
- Unique accounts per customer, branch, or channe
- Auto-posting into ERP / Tally / SAP
- No unidentified credits or manual matching
- Instant daily reconciliation and settlement reports
- Single view across multiple business units
Fingpay’s AI voice platform automates order booking, delivery confirmation, and payment reminders via natural language calls, reducing effort and Opex.
Our Product Stack
Automate Conversations. Accelerate Closures.
- Order booking and delivery confirmation calls
- Payment reminders and collection nudges
- Multi-language, automated calling, SMS, WhatsApp
- Real-time call outcomes and CRM updates
- Higher reach, lower operational cost
Digitize customer onboarding with instant KYC, bank verification, and compliance checks via Fingpay’s API/SDK, whitelabel customer apps or WhatsApp solutions
Our Product Stack
Instant onboarding. Verified customers. Zero friction.
- Paperless KYC (Aadhaar, PAN, Video, Bank verification)
- Real-time validation with full audit trail
- Fully API/SDK driven, WhatsApp journey
- Ready-to-disburse accounts in minutes
- Compliant, secure, and traceable
Enable fast, reliable digital collections with a plug-and-play field app, RESTful APIs, and embeddable SDKs.
Our Product Stack
Start collecting in minutes. Reconcile instantly.
- Plug-and-play app for digital field collections
- Generate Dynamic QRs (Centre/Group or Individual)
- Native SDKs and APIs for custom app integration
- Offline support with auto-sync
- Real-time reconciliation and audit logs
Assign a single reusable UPI QR per customer for payments.
Our Product Stack
One QR. All payments. No confusion.
- Works with any UPI app
- Auto-mapped to loan and customer ID
- Instant confirmation and reconciliation
- Eliminates cash and branch visits
- No suspense payments
Secure field cash collections with end-to-end tracking, authorized Cash drop points, and instant reconciliation.
Our Product Stack
Secure cash collections. Zero leakage.
- 18,000+ pincodes, 8L+ Merchants for instant cash deposit
- Same day settlements
- Instant digital acknowledgement for cash collection
- Tokenized/Bulk deposits at authorized CMS points
- GPS, Geo-fencing, and audit trail for every cash drop
- Reduced cash risk, faster reconciliation, lower exposure
Empower customers to self-pay EMIs and other value added services via a customized mobile app.
Our Product Stack
Self-service repayments. Zero follow-up.
- In-app EMI payments (UPI & PG)
- Instant status and updated Loan Statement
- Auto reminders and notifications
- Self-Service (FAQ and AI Chatbot
- Cross-Sell benefits
Automate high-volume customer calls using an intelligent AI voice agent for follow-ups and collections.
Our Product Stack
Always available. Always consistent.
- Outbound payment reminder and follow-up calls
- Multilingual, natural-sounding conversations
- Promise-to-Pay and callback capture
- Sensitive case detection and human escalation
- Automated SMS / WhatsApp follow-ups with payment links
Enable instant B2B/B2C payment collection like UPI, Virtual Accounts (NEFT/RTGS/IMPS) & others on the invoices with auto reconciliation in the ERP/Billing software.
Our Product Stack
Payment Collections and Reconciliation Solved
- Real-time payments visibility
- Automatic invoice and customer mapping
- Faster & automated outstanding dues closure
- Integration to your ERP for Reconciliation
Enable sales/delivery teams to instantly collect payments at delivery.
Our Product Stack
Digital delivery collections. Full field visibility.
- Point-of-delivery collections
- Sales/Delivery tracking with location tags
- Instant receipts & status updates
- All payment modes supported
Get a real-time view of daily collections, field activity, and customer ledgers on one platform.
Our Product Stack
Payment Collections and Reconciliation Solved
- Daily auto-reconciliation
- Customer/Partner ledgers & ageing
- Invoice-to-payment matching
- Faster day-end closing
- Audit-ready
Automate order-taking and invoice follow-ups with an intelligent AI voice agent
Our Product Stack
From enquiry to closure. Without manual calls.
- Automated order capture with structured data logging
- Real-time routing of requests to sales or operations teams
- Automated invoice reminders and status confirmation
- Promise-to-pay tracking and final closure management
- Multi-channel & Multi-lingual follow-ups via SMS & WhatsApp
Enable last-mile cash in and cash out through Aadhaar-based banking.
Our Product Stack
Turn Every Outlet into a Banking Point
- Plug-and-play AEPS SDKs and APIs
- Real-time authentication, settlement, and reconciliation
- NPCI-compliant, high-uptime infrastructure
- Higher commissions and faster rollout
Accept digital payments using UPI, BHIM Aadhaar Pay, MPOS, Soundbox.
Our Product Stack
Cardless. Cashless. Frictionless Payments.
- All payment options enabled
- BAP Payments via fingerprint, iris, or face authentication
- Instant bank credit and faster checkout
- Designed for low-connectivity environments
Provide ATM-like cash access at BC locations.
Our Product Stack
Making ATMs Accessible in Every Village
- Real-time switching, settlement, and reporting
- High-uptime, low-decline architecture
- Built for last-mile banking at scale
- PCI-compliant, fast and secure processing
Fingpay’s platform enables large businesses to collect customer payments across various payment modes
Our Product Stack
Collect from Anywhere. Track in One Place.
- One integration for all payment modes
- Real-time payment status and settlement visibility
- Automatic mapping to orders, customers, and invoices
- High-volume, peak-load ready infrastructure
- Audit-ready reports
Assign unique virtual accounts to customers, partners, or locations for auto-identified and real-time reconciled payments.
Our Product Stack
Know Who Paid. The Moment They Pay.
- Unique accounts per customer, branch, or channe
- Auto-posting into ERP / Tally / SAP
- No unidentified credits or manual matching
- Instant daily reconciliation and settlement reports
- Single view across multiple business units
Fingpay’s AI voice platform automates order booking, delivery confirmation, and payment reminders via natural language calls, reducing effort and Opex.
Our Product Stack
Automate Conversations. Accelerate Closures.
- Order booking and delivery confirmation calls
- Payment reminders and collection nudges
- Multi-language, automated calling, SMS, WhatsApp
- Real-time call outcomes and CRM updates
- Higher reach, lower operational cost
Our Financial API Solutions
UPI & QR Payments
Intent, static, dynamic Group/Individual QR and Payment Links with real-time status, callbacks, and instant settlement.
BHIM Aadhaar Pay
Biometric-based merchant payments directly from Aadhaar-linked bank accounts.
mPOS and mATM services
Debit and credit card acceptance with PCI-compliant processing and centralised settlement.
Payment Gateway
UPI, Cards, Net Banking, Wallets, and Mandates through a single API/SDK.
BBPS
Utility and recurring bill collections under the NPCI BBPS ecosystem.
Cash Management Services (CMS)
Nationwide cash pickup and drop with real-time tracking and reconciliation through 8L Merchants in 18000+ Pincodes.
AEPS Platform
Aadhaar Enabled Payment System based cash withdrawal, deposit, and balance enquiry across rural and semi-urban India.
Micro ATM Network
Debit card based cash access at merchant outlets with live switching and settlement.
UPI QR Cash Withdrawal
Cardless cash withdrawal via UPI QR for faster, frictionless access without biometrics.
Customer Onboarding Suite
End-to-end digital onboarding workflows covering KYC, document capture, Credit Decisioning, and approval in a single integrated flow.
PAN Verification API
Instant PAN validation for compliance and fraud prevention.
Aadhaar Verification API
OTP, biometric, and XML-based Aadhaar authentication for paperless, real-time onboarding.
Voter ID Verification API
Official electoral roll verification for additional identity assurance.
Bank Account Verification API
Real-time penny-drop and name-match APIs to validate beneficiary accounts before payouts and collections.
What our Partners say
“Fingpay has revolutionized our approach to digital collections. Their innovative solutions and dedicated support have been instrumental in our growth.”
Vivek Tiwari
MD & CEO
Satya Micro Capital
Amitesh Kumar
COO / CFO, Midland MicroFin Ltd.
“In order to become a world-class role model microfinance institution, Midland Microfin Limited always intended to be compliant-oriented, adopting proactive risk mitigation strategies, and always endeavors to bring innovation to the business model of the company. In line with the same philosophy, Midland Microfin Limited has collaborated with “Fingpay” for using their Cash Management Solutions for depositing repayment cash at the field level. They have a robust network of CMS points at the rural level and a reconciliation system which helps us a lot. Fingpay has given us great satisfaction always through their support and services at the ground level. I hope to continue the cooperation many times over.
Aastha Gupta
CEO, Share India Fincap Pvt. Ltd.
“As a satisfied customer, I can confidently say that Fingpay has revolutionized our approach to cashless collections.The platform’s reliability and ease of use have significantly boosted our operational efficiency, reducing the dependency on cash handling and ensuring a smooth flow of payments. Fingpay’s innovative technology has empowered us to serve our customers better, especially in remote areas where digital payment accessibility was a challenge. It has truly made a great impact on how we collect payments, paving the way for a more inclusive and cashless future. Kudos to the Fingpay team for their exceptional product and service!
Svatantra Microfin Private Limited
Manager, Information Technology
“We have been working with Fingpay since 2018, and it has been an incredibly positive experience. Their EMI Collection services, Cash Management, and Digital Payments solutions have consistently met our business needs and exceeded our expectations. Over the years, we’ve seen continuous improvements and product enhancements, which have played a significant role in streamlining our operations and ensuring seamless financial transactions.
Media Insights
Recognized by leading media outlets in India
Inspiring Leadership Exchange at AIMA YLC 2024
Knowledge Exchange on the Future of Microlending
Fingpay was honored to be part of “Re-imaging Microlending: Emerging Technological Trends and Innovations”, an interactive breakaway session that explored the innovations in the microfinance sector, and how these transformative steps are aided by technological advancement.
Ground Engagement with Community Partners
At #Fingpay, staying connected to the #communities we serve isn’t just a priority—it’s the #foundation of what we do. Fingpay has a recent field visit to Samasta centre.
Welcoming Ms. Purvi Bhavsar at Our Indore Office
We were delighted to host Ms. Purvi Bhavsar, Co-founder and MD of Pahal Financial Services Pvt. Ltd., at our Indore office.
Fintech Meetup with Abhishant Pant at Fingpay
Fingpay had the honor to have a Fintech Meetup with industry expert Abhishant Pant at its office at Indore (M.P.)
Reinventing Business Models: A Panel Discussion
Panel Discussion on Entering New Frontiers and Reinventing Existing Models. #IvyCapDay2024 #Fintech #Innovation #Leadership #Payments #VentureCapital #TheCatalystEffect
About Fingpay
Our Vision
To be india’s most trusted digital payments backbone – reliable at scale, accessible to every community
Our Mission
Build a secure, always-on payments platform that’s simple to integrate –
enabling transparent settlements and wider digital access.
Backed by ICICI Bank & IvyCap Ventures, Fingpay is India’s leading B2B fintech platform, empowering businesses with secure, inclusive, and scalable payment solutions since 2016.
Banking Solutions
AEPS, UPI, PG, mATM & mPOS services
Payment Infrastructure
Secure API & SDK integrations
Financial Services
Digital lending & collections
Rural Digital Payments
The Problem
Millions excluded from the digital economy — no smartphones, no connectivity.
Our Solution
Enabled transactions without smartphones at the last mile.
Access to Banking
The Problem
Banks far away — cash-to-digital access completely broken.
Our Solution
Built a BC network for deposits, withdrawals & account access locally.
Enterprise Rural Collections
The Problem
Enterprises struggled to collect payments from distributed geographies.
Our Solution
Seamless digital collections across last‑mile locations with full tracking.
MSME & SME Challenges
The Problem
Payment collections and reconciliation break at scale, causing losses.
Our Solution
Payment & reconciliation infrastructure designed for scale from day one.
Our Banking Partners
our investors
2.5M+
Merchants
1,00,000 Cr+
Transaction Process
400+
Enterprises client
Pan-India
Urban, Rural & Remote Markets
Meet the minds behind Fingpay
Pratyush Halen
Ex Amdocs (Telecom) | Winner of USSD Payment Solution,
Co-Founder and CEO
Co-Founder and CEO
Pratyush Halen is the CEO and Co-founder of Tapits Technologies, driving digital and financial inclusion through scalable fintech solutions. With a background in computer science, he brings strong execution focus across banking partnerships and technology-led growth.
Pratyush Halen is the CEO and Co-founder of Tapits Technologies, driving digital and financial inclusion through scalable fintech solutions. With a background in computer science, he brings strong execution focus across banking partnerships and technology-led growth.
Pratyush Halen
Ex Amdocs (Telecom) | Winner of USSD Payment Solution, Co-Founder and CEO
Anurag Agrawal
5 US Patents | 27 Years of Experience
Co-Founder and CTO
Co-Founder and CTO
Anuraag Agrawal is the Co-founder of Fingpay and a technology leader in Rural Banking and Digital Payments. A holder of four US patents and built scalable products and high-performing engineering teams.
Anuraag Agrawal is the Co-founder of Fingpay and a technology leader in Rural Banking and Digital Payments. A holder of four US patents and built scalable products and high-performing engineering teams.
Anurag Agrawal
5 US Patents | 27 Years of Experience Co-Founder and CTO
Vikram Gupta
Founder & MD Ivycap Ventures
Board Member, Fingpay
Board Member, Fingpay
Vikram Gupta is the Founder and Managing Partner of IvyCap Ventures, a venture capital firm focused on backing professional entrepreneurs. He brings deep expertise in venture investing, value creation, and strategic exits
Vikram Gupta is the Founder and Managing Partner of IvyCap Ventures, a venture capital firm focused on backing professional entrepreneurs. He brings deep expertise in venture investing, value creation, and strategic exits
Vikram Gupta
Founder & MD Ivycap Ventures Board Member, Fingpay
Rahul Joshi
Former Banker | 27 years experience
Board Member, Fingpay
Board Member, Fingpay
Rahul Joshi has 30+ years of hands-on experience in Retail Banking, Payments, and FinTech. He led ICICI Bank’s landmark digital initiatives, including iMobile and branchless banking, and was a chief architect of IMPS and UPI, contributing significantly to India’s digital payments infrastructure.
Rahul Joshi has 30+ years of hands-on experience in Retail Banking, Payments, and FinTech. He led ICICI Bank’s landmark digital initiatives, including iMobile and branchless banking, and was a chief architect of IMPS and UPI, contributing significantly to India’s digital payments infrastructure.
Rahul Joshi
Former Banker | 27 years experience Board Member, Fingpay
Join the Fingpay Ecosystem
Build on India’s Trusted Payments & Collections Platform
Scale your business on Fingpay’s platform for digital payments, cash management, with instant settlement, reconciliation and Identity Verification. Go live faster with Plug and Play App or secure integrations.
Sub-2 Second
Transaction Processing
<99.99+
Platform Uptime
RBI-authorised
Payment Aggregator (Online & Physical)
Built for high-volume
Mission-critical Operations
Certifications
Want to be part of Fingpay & create impact?
Be part of a dynamic fintech team & believes at full individual ownership and shaping the future of digital payments.
Creating Impact Where It Matters Most
At Fingpay, we believe meaningful change happens when technology, intent, and collaboration come together.
We work closely with NGOs, government institutions, hospitals, schools, and grassroots initiatives to enable access, dignity, and opportunity for underserved communities.
If you’re driving change on the ground, we’d be proud to support and partner with you on this journey.
CSR Partners Associated So far
