Mahacred

Powering Smarter Collections

Mahacred

Powering Smarter Collections

Mahacred Firstpay Tech

Smart. Automatic. Hassle-free Collections.

Next-Gen Digital Banking, UPI AutoPay, e-NACH & Payouts for Co-operative Societies, Multistate Banks & Enterprises.

RBI CompliantNPCI Powered256-Bit Security
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Transactions securely powered by RBI-Authorised Payment Aggregators & NPCI

Mahacred digital banking ecosystem — admin dashboard, mobile app, soundbox, RuPay prepaid card, and live collection notifications

Security & Compliance

Verified Trust. Regulatory-Grade Infrastructure.

RBI PA/PG Compliant Rails

Full regulatory adherence for co-operative and enterprise payments.

NPCI Certified

High-speed mandate execution for UPI AutoPay and e-NACH.

Escrow / Nodal Settlement

100% transparent and direct fund flow to society bank accounts.

256-Bit Data Encryption

Bank-grade security standards protecting member and financial data.

Our Solutions

Complete fintech infrastructure for co-operative banking

Production-ready modules with live APIs, CBS sync, and NPCI compliance — built from real society workflows.

Mahacred mobile banking app with accounts, fund transfer and scan & pay
Live API ReadyCBS Integrated

Mobile Banking

Banking in your hand, Always with you.

White-label iOS & Android app for co-operative societies and multistate banks — secure, simple, seamless banking designed for your members.

Key Features

  • Digital passbook, mini statement & balance enquiry
  • IMPS / NEFT / RTGS fund transfers with beneficiary management
  • RD & FD account management with maturity tracking
  • Loan details, EMI schedule & outstanding view
  • Scan & Pay UPI QR, bill payments & recharges
  • Biometric login, profile management & push alerts
Credit Co-operative SocietiesUrban BanksMultistate Societies
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UPI AutoPay mandate dashboard and 5-step collection workflow
NPCI PoweredCBS Integrated

UPI AutoPay™

Smart. Automatic. Hassle-free Collections.

Automate Pigmy, RD, EMI and recurring collections directly from member bank accounts using UPI AutoPay mandates — supported by Google Pay, PhonePe, BHIM & all UPI apps.

Key Features

  • One-time mandate setup — collections happen automatically
  • Daily / weekly / monthly Pigmy & RD debit scheduling
  • RBI compliant processing through NPCI / UPI
  • Real-time mandate status & collection tracking
  • Instant SMS alerts to member & society
  • Instant Core Banking System (CBS) balance update
Daily Pigmy CollectionRecurring Deposits (RD)Micro-SIP PlansLoan EMI via UPI
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e-NACH digital mandate registration and EMI auto-debit workflow
RBI CompliantLow Bounce Rates

e-NACH / e-Mandate

Paperless. Secure. Seamless.

e-NACH enables your society to collect loan EMIs and recurring payments automatically from member bank accounts with 100% digital mandates.

Key Features

  • 100% paperless mandate via Aadhaar OTP or NetBanking
  • NPCI / NACH compliant with bank-level security
  • Automated EMI collection on due date with smart retry
  • Higher transaction limit up to ₹1,00,00,000
  • Real-time mandate validation — reduce bounce rates
  • Complete visibility with audit trails & reports
Gold Loan EMIPersonal & Business LoansVehicle Loan Installments
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Mahacred soundbox device and UPI QR payment stand
NPCI Bharat QRMultilingual

Soundbox & Merchant QR

Scan & Pay with any UPI App.

Instant multilingual voice alerts and branded QR stands for society counters, retail merchants and local businesses.

Key Features

  • Instant Marathi / Hindi / English voice payout alerts
  • Dynamic & static Bharat QR support
  • UPI, BHIM, GPay, PhonePe, Paytm compatible
  • 72+ hour battery with 4G SIM connectivity
  • Secure payments with instant confirmation
  • Daily audio summary & transaction count
Society Counter CollectionRetail MerchantsLocal Business Accounts
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Mahacred RuPay prepaid card and mobile wallet app
RuPay PoweredEMV Secure

RuPay Prepaid Card

Smart. Secure. Empowering.

Mahacred Prepaid Card is a secure RuPay prepaid card for members — everyday spending, online payments, and ATM withdrawals.

Key Features

  • Global acceptance at RuPay POS, online & ATM networks
  • Contactless tap & pay with EMV chip security
  • ATM cash withdrawal from RuPay enabled ATMs
  • Spend control, limits & real-time transaction tracking
  • Add money, send money & card settings from app
  • Ideal for members, employees, students & disbursements
Member BenefitsEmployee PayoutsStudent ProgramsControlled Disbursements
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Bulk payout dashboard with maker-checker workflow
Maker-CheckerLive API Ready

Bulk API Payouts

Simple. Secure. Automated.

Disburse payments to multiple beneficiaries in a single click with full control, real-time tracking and complete transparency.

Key Features

  • Bulk & single payouts via IMPS, NEFT, RTGS & UPI
  • Maker-checker approval workflow with role-based access
  • 24×7 instant loan disbursements to any bank account
  • Real-time tracking with UTR & settlement reports
  • Instant SMS / email notifications to beneficiaries
  • Complete audit trails & compliance-ready reports
Loan DisbursementsEmployee SalariesVendor PaymentsFarmer / Dealer Payments
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Smart VAN Example

VAN: 9876543210123456

IFSC: MAHA0001234

NEFT Credit+ ₹1,25,000
UPI Credit+ ₹5,000
CBS SyncReconciled ✓
ERP ReadyCBS Integrated

Virtual Account Numbers (VAN)

Smart Reconciliation for B2B & Agriculture.

Dedicated Smart VAN + IFSC for every dealer, farmer and distributor — multi-mode collection with real-time ERP / Tally auto-reconciliation.

Key Features

  • Unique VAN + IFSC per client, dealer or invoice
  • Multi-mode collection via RTGS, NEFT, IMPS & UPI
  • Real-time ERP / Tally webhook auto-reconciliation
  • Sub-wallet management for multi-branch societies
  • Invoice-level payment matching & partial payments
  • Collection dashboard with payer-wise ledger view
Fertilizer & Seed CompaniesSugar FactoriesDairy CooperativesB2B Distributors
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Interactive Workflows

Step-by-step collection & payout flows

Step 1

Select Service

Member selects Pigmy / RD / EMI service

Step 2

Approve Mandate

Member approves mandate in any UPI app

Step 3

Auto Collections

Amount collected automatically as per frequency

Step 4

Instant Alerts

Member & society get real-time notifications

Step 5

Track & Reconcile

Track payments & reconcile in CBS dashboard

Benefits For Your Society

Secure. Reliable. Compliant. Efficient. Transparent.

Reduce Cash Handling

Eliminate manual cash collection risks entirely.

Reduce Agent Dependency

Automate field agent follow-ups with mandates.

Improve Collection Efficiency

On-time receipts every cycle, every time.

Lower Defaults

Smart retry engine reduces bounce & failed debits.

Better Visibility & Control

Real-time dashboards for every transaction.

Instant CBS Reconciliation

Auto ledger sync with your core banking system.

Save Time & Effort

Disburse to thousands of beneficiaries in minutes.

Audit Ready

Complete audit trails & compliance-ready reports.

Trust & Security

Safe. Secure. Seamless.

All mandates and payouts are processed with bank-level security and full compliance.

RBI Compliant

Processed as per RBI guidelines.

NPCI Powered

UPI AutoPay & e-NACH via NPCI rails.

256-Bit Bank Encryption

AES-256 for data in transit & at rest.

99.99% Uptime SLA

Enterprise redundant infrastructure.

Automated Reconciliation

Real-time CBS sync & ledger matching.

Real-time Tracking

Complete visibility on every transaction.

Mahacred

Powering Smarter Collections

Onboarding Demo

Request a Live Society Demo

Get a personalized walkthrough of UPI AutoPay, e-NACH, payouts, and CBS integration for your organization.

  • Free sandbox with API credentials
  • Dedicated product specialist demo
  • Go-live support in 2–4 weeks