UdhariPay
FinTech Digital Collections, Merchant Onboarding & UPI Autopay Mandate Platform
FinTech / Merchant Collections
UdhariPay
Mobile App (React Native) • Web Admin & Merchant Portal
React Native, TypeScript, Tailwind CSS, Next.js
Eliminating Manual Ledger Follow-ups with Automated Recurring Payment Mandates
B2B and merchant credit collection in traditional commercial markets frequently relies on paper ledgers ('udhari khata') and ad-hoc cash or UPI transfers, resulting in high delinquency rates and manual reconciliation overhead.
- Replacing unverified paper credit agreements with structured digital merchant onboarding and document verification (PAN, GST, Gumasta).
- Configuring flexible installment structures including daily, weekly, and monthly EMI repayment schedules.
- Integrating UPI Autopay recurring debit mandate authorization directly through customer UPI apps.
- Providing real-time visibility into collection totals, upcoming EMI dues, and individual customer payment histories.
- Designing clear separation of concerns between on-ground collection agents and merchant view-only administrators.
A Dual-Role Mobile & Web Platform for Digital Collections & Mandate Approvals
Frontail developed the UdhariPay mobile application and administrative backend, delivering a reliable payment infrastructure centered on automated collections and verifiable merchant profiles.
Merchant Dashboard & Collection Metrics
Implemented an executive mobile overview displaying total collected revenue (e.g. ₹84,034 across 53 payments), upcoming EMI schedules, and quick actions for onboarding and payment scans.
UPI Autopay Recurring Mandate Flow
Constructed a seamless mandate approval modal specifying repayment amount, monthly frequency, start date, and maximum mandate caps (e.g. ₹50,000) redirecting to UPI applications for secure customer authorization.
Merchant KYC & Verification Pipeline
Designed onboarding forms capturing commercial documentation including PAN, GST, and Gumasta licenses with verification status tags (`Customer Verified`).
Real-Time Collection Feed
Built itemized payment transaction feeds displaying customer names, EMI sequence numbers (EMI #1, EMI #2), timestamps, and settlement statuses (`Success`, `Pending`).
Features & Capabilities
Key Product Features Built
Digital Collections Dashboard
High-level summary tracking total collected revenue, payment counts, and active mandate statuses.
UPI Autopay Mandate Integration
Automated recurring debit mandate authorization with customizable frequencies and maximum amount caps.
Merchant & Borrower Onboarding
Structured digital onboarding workflows with document verification for PAN, GST, and Gumasta records.
Multi-Interval Collection Plans
Customizable installment schedules supporting daily, weekly, or monthly repayment cycles.
Real-Time Transaction Status
Instant transaction feeds with visual success indicators and pending payment alerts.
Role-Based Access Control
Separated permissions for field collection agents and merchant business owners.
Secure Mobile Mandate Architecture & Transaction Ledger
The architecture is designed for transaction integrity, deterministic mandate scheduling, and secure communication with payment handlers.
Mobile Client Layer
Delivers the merchant collection dashboard, mandate creation sheets, and deep-link handlers for UPI payment redirection.
Payment & Mandate Orchestration
Manages mandate registration, recurring execution triggers, and asynchronous webhook reconciliation for payment events.
Ledger & Data Storage Layer
Maintains append-only collection records, customer KYC documents, and installment schedule projections.
Key Engineering Challenges & Solutions
Handling Multi-Step UPI Mandate Authorization
Built a resilient state machine managing mandate pending, authorization redirect, webhook callback confirmation, and failure retry flows.
Flexible EMI Calculation Across Diverse Payment Intervals
Engineered a dynamic installment calculator generating projected repayment tables for daily, weekly, and monthly payment schedules.
Technology Breakdown
Technology Stack & Tools
Mobile Application
- React Native
- TypeScript
- Tailwind CSS
Web & Admin
- Next.js
- TypeScript
- Tailwind CSS
Payments & Mandates
- UPI Autopay Integration
- Webhook Receivers
Backend & Database
- Node.js
- PostgreSQL
- REST APIs
Delivered Capabilities & Final Product
Cross-Platform Merchant Mobile App
React Native mobile application for merchant collections and customer management.
UPI Autopay Mandate Approval Flow
Integrated recurring debit mandate creation and customer authorization workflow.
Document & KYC Verification Module
Digital onboarding engine for PAN, GST, and Gumasta documentation.
Real-Time Collections Ledger
Live transaction tracking with EMI milestone logs and settlement status feeds.
Frontail Capabilities
Related Product Engineering Services
Mobile App Development
Build robust, cross-platform iOS and Android applications with React Native and Expo.
Web & SaaS Development
Build scalable multi-tenant SaaS platforms and financial dashboards with Next.js and TypeScript.
Custom Software Development
Engineer custom internal tools, payment workflows, and business software.
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