Manual follow-up
Collections teams call and message customers one by one, a process that breaks down as customer volume grows.
Horizontal· Core payment link generation and reminders included in every workspace. Multi-gateway routing, bulk operations, and advanced reconciliation available on Business and Enterprise tiers.
CaptPay
Get paid on time. Every time.
CaptPay is the payment collections layer of Captverse: generate secure payment links, dispatch reminders across WhatsApp, SMS, and email, capture payments through any connected gateway, and reconcile every rupee automatically, without spreadsheets or manual follow-up.
Businesses with high-volume collections run on CaptPay.
Automate payment collections, reduce manual follow-ups, and gain complete visibility into every transaction.
Orchestration, not a single gateway
Route across multiple payment gateways with split rules, mandates, and subscriptions — not a single-provider lock-in.
Settlements built in
Automated settlements and reconciliation — finance sees collected, pending, and reconciled at a glance.
Automated reminders
Chase unpaid instalments automatically so collections keep moving without manual follow-up.
The challenge
Every unpaid invoice is a phone call waiting to happen.
Growing businesses rarely lose revenue because customers refuse to pay. They lose it because collections is fragmented across people, tools, and spreadsheets faster than anyone can track.
Fragmented tooling
Payment links get generated in one system, sent through another, and tracked in a third, with nothing talking to anything else.
Delayed reconciliation
Matching bank credits to invoices by hand can take days and invites costly errors.
No real-time visibility
Without a live view of outstanding, collected, and disputed amounts, cash flow forecasting is guesswork.
No audit trail
With payment workflows scattered across people and tools, there's no single record of who sent what, when, and what happened next.
Platform
One platform, from invoice to reconciled.
CaptPay isn't a payment gateway bolted onto a spreadsheet. It's the collections layer built into Captverse. It connects payment links, WhatsApp/SMS/email reminders, gateway settlement, and reconciliation in one workspace, and integrates natively with CaptIdentity (authentication), CaptChat (customer engagement), and CaptCampaign (bulk communication). Multi-channel dispatch, automated reminders, and real-time reconciliation come standard, not as a bolt-on project.
Payment links in one click
Send hosted checkout links tied to deal stages or CRM records — status flows back automatically.
Split rules and payouts
Route a single payment across vendors, partners, and platform fees automatically, then reconcile every payout.
Mandates and subscriptions
Set up recurring e-mandate collections and subscription billing without a separate payments stack.
Milestone collections
Booking deposits and instalments map to your sales pipeline — CaptDeals and CaptPay stay in sync.
Key benefits
Everything a collections stack should do; none of the manual chasing.
Faster Collections
Automated, multi-channel reminders shorten the time between invoice and payment, so cash arrives sooner.
Less Manual Work
Payment link generation, dispatch, and reconciliation run on rules you set once, not agents chasing customers one by one.
Real-Time Visibility
A live dashboard shows what's outstanding, collected, and disputed, no more waiting on month-end reports.
Faster Month-End Close
Automated reconciliation matches payments to invoices the moment a gateway confirms them.
Audit-Ready
Every payment link, reminder, and reconciliation event is logged, timestamped, and exportable.
Core features
Enterprise collections, without the enterprise setup.
Everything you need to run payment collections from one workspace.
Payment Link Generation
Generate secure, time-bound payment links for individual customers or in bulk, each tied to a specific invoice.
- Individual & bulk links
- Branded checkout
- Automatic invoice linking
Multi-Channel Payment Dispatch
Send payment requests and reminders over WhatsApp, SMS, and email; manually or on a schedule.
- WhatsApp Business API
- SMS & email
- Manual or automated dispatch
Automated Reminder Workflows
Configure reminder cadences once (T-7, T-3, T-0, T+3, T+7) and let CaptPay follow up on every account automatically.
- Configurable schedules
- Per-segment rules
- Automatic suppression on payment
Hosted Payment Page
A branded, mobile-optimized checkout page for every payment link, supporting UPI, cards, net banking, and wallets.
- Branded checkout
- Mobile-optimized
- Multiple payment methods
Real-Time Payment Status Tracking
See instantly whether a link was sent, opened, paid, or failed, no need to check the bank portal.
- Live status updates
- Webhook-driven
- Portfolio-level view
Automated Reconciliation
CaptPay matches confirmed payments to invoices automatically and updates outstanding balances in real time.
- Auto-matching
- Partial payment tracking
- Exception flagging
Collections Dashboard & Reporting
A centralized view of outstanding, collected, and overdue amounts, with drill-down by account or agent.
- Real-time metrics
- Agent performance
- CSV/PDF export
How it works
From invoice to reconciled, in four steps.
1
Set Up
Configure your payment gateway, communication channels, and reminder rules once.
2
Send
Generate payment links individually or in bulk, and dispatch them via WhatsApp, SMS, or email.
3
Get Paid
Customers pay on a branded, hosted checkout page; automated reminders follow up until they do.
4
Reconcile
CaptPay matches the payment to the invoice, issues a digital receipt, and updates your dashboard, automatically.
Integrations
Connect the payment and business tools you already use.
RazorpayPayUCashfreeStripeBillDeskPhonePeWhatsApp Business APISMS gatewaysEmail (SMTP / SendGrid / AWS SES)CaptIdentity (authentication & SSO)CaptCampaign (bulk communication)Loan management / core banking systems (for NBFCs)Zapier / REST API
Lists live connectors only. Stub adapters (e.g. CCAvenue) are not marketed as available until live. Confirm current coverage with Product before publishing.
Use cases
Built for real collections teams.
Collect EMIs at scale
Import buyer or borrower payment schedules, auto-generate and dispatch monthly payment links via WhatsApp, and let automated reminders chase every unpaid instalment.
Close the books faster
Automated reconciliation matches every gateway confirmation to its invoice, so month-end close no longer takes a week of manual matching.
Give finance real-time visibility
A live dashboard shows outstanding, collected, and overdue amounts across the whole portfolio, no waiting on manual status updates.
Collect fees and dues without the calls
Bulk-generate payment links each term or billing cycle for students, residents, or policyholders, and let CaptPay handle reminders and receipts end to end.
Security & compliance
Enterprise-grade, by default.
TLS 1.2+ in transit; AES-256 (or equivalent) encryption for sensitive data at rest.
No card data stored: all card processing is handled by the connected PCI-DSS certified gateway.
Role-based access control (RBAC) enforced server-side across every capability.
Authentication via CaptIdentity, with MFA support for every user account.
Tamper-evident, timestamped audit logs for every payment action, exportable for compliance review.
CaptPay's payment workflows are designed to align with applicable RBI guidelines and ISO 27001-aligned security principles. Specific compliance certifications should be confirmed with the Captverse Legal and Compliance team before inclusion in customer-facing materials.
“Reconciliation used to eat a week of our accounts team's time every month. Now payments match to invoices the moment they land, and our collections team spends that time on the accounts that actually need a phone call.”
FAQ
Frequently asked questions
Does CaptPay replace our payment gateway?
No. CaptPay works alongside your existing payment gateway. It handles the collections workflow, customer communication, and reconciliation layers above the gateway; the gateway continues to process the actual transactions.
Which payment methods does CaptPay support?
Any method offered by your connected gateway, typically including UPI, debit/credit cards, net banking, and digital wallets.
Can CaptPay handle installment or partial payments?
Yes. CaptPay tracks payment schedules with defined installments, supports partial payments, and adapts reminder workflows to actual payment behavior.
How does reconciliation work?
When a gateway confirms a payment via webhook, CaptPay automatically matches it to the corresponding invoice and updates the account balance, no manual matching required.
Is our customers' card data stored in CaptPay?
No. CaptPay never stores card data. All card processing is handled by your connected, PCI-DSS certified payment gateway.
Part of Captverse — one spine, one login
Every app shares CaptIdentity for SSO, users, and roles. Leads, payments, and messages stay on one data spine — no duplicate records.
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