Accounts Receivable
Never lose a customer because of lack of payment options. Automatically accept various domestic and international instruments through simplified integrated solutions - subscription management for recurring billing, consumer lending for instant EMI purchases, instant in-ward remittance and out of the box compliance management.
Accounts Payable
Consolidate and aggregate your accounts payable through a single interface for expense management, vendor and utility payments. Optimize your cash flow through working capital loans and bill discounting.
Omni-present
Payment collection across online, mobile, call centre, retail or payment collection centres. All this enabled through standard SDKs and APIS for Realtime information exchange.
Service
Acquiring
Accepting 100+ instruments. Credit & Debit Cards, Net Banking, Wallets, UPI & Cash
Lending
Aggregating lenders to enable personal loan to consumers and working capital loan to enterprises
Subscription
Managing and collecting recurring payments from customers
Remittance
Enable in-bound remittances from 5 continents into India. Turning a 3 day settlement process to 1 day settlement
Compliance
Know your customer, Prevention of money laundering and other regulatory compliances. Enabling secure acceptance and storage of payment information
Corporate Expense Management
Expense management, vendor and utility payments for enterprises.
Features
Extensible and Scalable Architecture
Consumers are constantly adopting new platforms of interaction forcing you to go where they are. We ensure our platform is scalable and automatically available on all these platforms
Consistent Customer Experiences
Your customers will experience the same tailored experience irrespective of the location they are interacting with you on.
Risk and Compliance Reap
We live in a new reality of high risk, fast changing compliance and regulatory standards and procedures. We will make sure you are in compliance all the time.
Central Data Repository
All your data is stored in a central location of easy processing and access.
Frictionless Customer Journeys
Customers follow the same user journeys as they move from interactions on the computer to the mobile or voice. No new discoveries or learnings for them.
Extensive Business Intelligence
Your business is constantly generating new data points. We give you access to these data points and processed reports to make smarter business decisions.
Omnichannel Acquiring
Get independence from limiting customer payment options to certain sales channels. Accept payments across all your sales channels - online, mobile, call centre, retail and door to door.
Multiple Instruments
Spoilt your customer with choice. Let them pay by Credit Cards, Debit Cards, Net Banking, RTGS / NEFT, BharatQR, UPI, Cash, Corporate Cards, Pre-Paid Card, Loyalty Cards or Wallets.
Basic Features
Single Realtime Dashboard
Unified MIS and transaction reporting with segregated data reporting functionality
100% Secure and User friendly
Ontime Reconcillation and Settlement
Partners
- ICICI Bank
- HDFC Bank
- Axis Bank
- KOtak Bank
- SBI
- Bank of Maharashtra
- amazon
- jiomoney
- payzapp
- paytm
- mobikwik
- olamoney
Payment Instruments
It is time to go above and beyond credit card transactions! Airpay validates payment instruments and activates them in real time for future transactions. This isn't restricted to simply eNACH or Standing Instructions. Give your customers the flexibility of changing the instrument as and when they need. Store your customers information a protected and secure environment.
Subscription Management
Subscription management is a service which works on top of payment gateway to handle subscriptions and ensure that the right account is charged the right amount.
Dunning Process
Automatically send reminder notifications to your customers about past due accounts. Reducing the time and resources spent manually checking up on delinquent accounts. We will ensure that customer has updated payment details on file so that the occurrence of failed transactions is reduced.
For example:
When the Lending card / debit card is about to expire Bank account details have changed
Unified Customer View
ERPs were built to track products not customer relationships. Airpay offers a single interface to own the entire subscription lifecycle so that you have a single view of a customer.
Billing Models
Fixed Payment Schedule
Charge the same amount on the same date at the same time interval
Quantity based model
Charge your customers based on usage tier based billing
Trial
Offer a free trial for XX number days post which you start billing automatically
Usage based model
Charge a different amount on the same date based on the product / service usage
One time charge
Charge a one time fee + subscription fee on a fixed schedule
Get insight into customer retention and new sales
- Monthly recurring revenue
- Average revenue per customer
- Customer lifetime value
- Customer churn rate
- Revenue churn
- New / Active / Paused / Reactivated / Cancelled subscriptions
- Average subscription cycle
- Average subscription frequency
Instrument
Instant approval with zero documentation
Know your eligibility in a fraction of seconds with by filling out a few details and zero documentation
Minimal documentation
Get your loan approved and disbursed with just your PAN card and an Address proof.
Loans of any size
Get loans up to Rs 10 lakh without any collateral within a few working hours.
Multiple plans Multiple Lenders
Get loans from lenders that specifically fit your needs - Low interest fees! Flexible Terms.
Enter basic details
Get instant approval of the loan amount with just filling of a few details in milli-seconds
Select offer & Sign agreement
Choose from a bucket of lenders and get an offer that best suits you. Digitally sign your agreement and money will be disbursed within few hours
Money Disbursed
Get access to loan amount in express speed with Xpressloan
Consumer Lending
-
Term Loan
Get instant approved loan without collateral and minimal paper work to make your dream purchase.
-
Line of Credit
Don’t let insufficient funds be a roadblock, avail instant line of credit facility through airpay
-
Buy Now & pay Later
Get interest free credit instantly for upto 14 days.
Merchant Lending
-
Term Loan
Small business loan made easy and flexible, money in just 2 working days into your account
-
Line of Credit
Avail line of credit to manage cashflow gaps and dynamic business opportunities.
Partners
- iifl
- kissht
- eduvanz
Know your customer
Let us securely manage and store your 'Know your customer' details. Do not waste precious real estate storing and operational bandwidth searching for customer KYC data. Airpay maintains all the records securely and gives access to them with a click of a button.
Tokenization
Airpay tokenization technology lets you safely store your customer credit card details for future billing, eliminating the uncertainty of hackers and fraud.
Data collection and verification
Collect and verify documents as required by your business and the regulator. Information is verified in real-time against government and third party databases.
Business Benefit
- Certifications – PCI/DSS
- Secure channel communication using SSL
- Encrypt and store data
- Encrypted storage of card details
- Backup / Business continuity
- Audit Trails
- Long term data storage
Customer Benefit
- Customer
- PAN validation
- Passport validation
- Driver license validation
- Voter ID
- Company PAN card
- Company GST
- eSign
Our Certifications
Simplify a complex and time consuming process
- Same day money transfer
- No bank involvement
- One time paperwork process
Features
Quick customer onboarding
Customer's do local transfers avoiding complex global regulations.
Live competitive exchange rate
Get the best exchange rates available at the time of transaction instead of the applicable day rate.
Low processing fee
No more cost prohibitive processing fees.
Fully secure
Work with peace of mind with our fully secure and certified environment.
Available over 60+ countries
Make a customer from virtually any part of the world, instantly.
Business Benefit
- Receives money in local currency next day
- Pre-established Forex rate management
- Significantly reduced cost of transaction
- Reconciled report
Customer Benefit
- Local account payment
- No complex Forex rate management
- Zero cost of transaction
Push Payments
Corporate can upload and pay invoices in bulk.
Pull Payments
Vendors can upload their invoices & the corporate can approve make payments.
Invoice Notifications
Receive push notification for your utility bills as and when they are generated.
Intuitive workflow process for end to end operations
-
Vendor / Supplier Registration Portal
-
Web based Interface
-
Quotation & Invoice Upload
-
Maker & Checker Rules
-
Real time Payments
-
MIS &
Dashboard
Features
Utilities
Console to aggregate all the utilities bill payments for across geographies using any payment instrument by a single click.
Taxes
A single interface to pay your State & Central government taxes
Expense Management
Employees submitting too many reimbursement receipts? Simplify the employees expense management giving a better visibility on the spends and the expense heads. PartnerPay helps Employees comply with company policies in addition to a managing manager approvals
Working Capital
Manage your working capital by leveraging your accounts receivable for on the fly credit. Negotiate better payment terms with your Vendors through bill discounting.
Industry Challenges:
- Accepting payments across all channels and multiple reconciliation hassles
- Creating experiences to cater to the millennials
- Loyalty management that goes beyond just points
- Monitor productivity across properties in real-time
- Call-centre unable to accept digital payments from customers
-
Internet booking engine
-
Channel Manager
-
F&B system & PCPoS
-
Property management system & CRS
-
Call centre solution
-
ERP
Online & face-to-face integrated payment solution that accepts payments using any payment instrument – past, present and future. Get one single reconciliation with a real-time dashboard that helps you track productivity, manage loyalty & campaigns and improve overall customer experience.
Integrated solution for hassle free processing
Airpay works in tandem with all existing units in the ecosystem:
- Internet booking engine
- Channel manager
- F&B system & PCPoS
- Property management system & CRS
- Call centre solution
- ERP
-
Internet booking engine
-
Channel Manager
-
F&B system & PCPoS
-
Property management system & CRS
-
Call centre solution
-
ERP
Industry Challenges:
- Accepting payments across all channels and multiple reconciliation hassles
- Creating experiences to cater to the millennials
- Loyalty management that goes beyond just points
- Monitor productivity across properties in real-time
- Call-centre unable to accept digital payments from customers
-
ERP
-
Website
-
Mobile App
Online & face-to-face integrated payment solution that accepts payments using any payment instrument – past, present and future. Get one single reconciliation with a real-time dashboard that helps you track productivity, manage loyalty & campaigns and improve overall customer experience.
Integrated solution for hassle free processing
Airpay works in tandem with all existing units in the ecosystem:
- ERP
- Website
- Mobile App
-
ERP
-
Website
-
Mobile App
Industry Challenges:
- Customers are omni-present – in store & online
- Only option of payment in-store is cash or card
- Multiple partners for online payments & PoS machines – reconciliation hassles
-
ERP
-
Website
-
Mobile App
-
Call centre solution
Whether online, in-store, card present or card not present – Airpay has a payment interface across all of these. Pamper your customers with the convenience of paying with their instrument of choice, all with just one integration with Airpay.
Airpay works in tandem with all existing units in the ecosystem:
- ERP
- Website
- Mobile App
- Call centre solution
-
ERP
-
Website
-
Mobile App
-
Call centre solution
Industry Challenges:
- Customers willing to pay but payments are cumbersome, cash-based and unintuitive
- Customers want more and more options for payments meaning working with multiple payment partners
- Feet-on-street have to make repeated trips for cheque collection
-
ERP
-
Website
-
Mobile App
-
Call centre solution
Your feet-on-street can now accept digital payments with PoS & ePoS, website can have one click payment and call-centre can send out a payment link on SMS at the end of the call. Airpay’s solutions will make payment collection a delight with access at every touchpoint - increase collections and reduce reminders to your customers.
Airpay works in tandem with all existing units in the ecosystem:
- ERP
- Website
- Mobile App
- Call centre solution
-
ERP
-
Website
-
Mobile App
-
Call centre solution
Industry Challenges:
- Fragmented customer base paying you and an army of truckers & vendors to pay-out
- Heaps of paper and a lot of cash circulating in the system
- Reconciliation of accounts is never perfect
-
ERP
-
Website
-
Mobile App
-
Call centre solution
Make a single payment on the platform and Airpay reconciles the payment to your multiple vendors according to rules set by you. Make the whole life-cycle – from PO to payment – paperless & cashless with Partnerpay and collect payments from your customers through any instruments with our other offerings.
Airpay works in tandem with all existing units in the ecosystem:
- ERP
- Website
- Mobile App
- Call centre solution
-
ERP
-
Website
-
Mobile App
-
Call centre solution
Industry Challenges:
- Merchants with CASA float want payment services from your bank but cost associated with developing the solutions is high and man-power intensive
- Multiple partners for each payment service
- No transparency in leads shared and converted
- Account holders moving to other banks to avail digital payment services
-
ERP
-
Website
-
Mobile App
-
Lead Management Software
Airpay becomes your white-label payments partner and offers all the payment services to your merchants – PoS, ePoS, payment gateway, Schoolpay, Hotelpay, etc. The bank can thus retain the merchant and increase his transactions through more touchpoints. Airpay’s Lead Management System gives complete transparency and real-time update on the leads shared.
Airpay works in tandem with all existing units in the ecosystem:
- ERP
- Website
- Mobile App
- Lead Management Software
-
ERP
-
Website
-
Mobile App
-
Lead Management Software
Shift from SME to enterprise introduced sector-wise solutions
Tested platform with SME & MSME PCI-DSS certification
Launched consumer and corporate credit products introduced QR based payments introduced tokenization launched vendor payment solution
Omni-channel offering completed POS acceptance cash collection
Shift from SME to enterprise introduced sector-wise solutions
Tested platform with SME & MSME PCI-DSS certification
Established built proprietary platform
Contact Us
#ChallengeYourself
Scroll down to see why
#SquadGoals
RANGE OF PERKS
At Airpay, we support our employees to be the best version of themselves. We bring together employees from varied backgrounds under one roof and create their growth path and an opportunity for them to grow along with the organisation. Our flat organization structure is built on a culture of early responsibility and employees are empowered with freedom to fulfil their aspirations and maximize their true potential. With our constant endeavour to strike a work life balance, we encourage flexi working hours to manage their work & life well.
Flexi -Timing
All round Employee Insurance – Medical, Life, Accidental Insurance
Employee Connect
Challenging & friendly workplace
Great Learning opportunities
