A RocketPay product to simplify micro credits and EMIs using UPI AutoPay - built on Kotlin Multiplaform for Android, iOS & Web

Founded in 2022, Based in Bangalore,

RocketPay operates in the fintech sector offering India's first automatic credit collection application.

The company empowers business owners to manage their credit collection processes efficiently and improve cash flow through a digital solution designed to alleviate daily collection challenges.

The PayLater Customer App is designed exclusively for customers who want a seamless, secure, and automated way to authorize and track recurring payments via UPI AutoPay.

And, The PayLater Business App, offers flexible payment options to customers by enabling distributors, wholesalers, retailers, NBFC agents, and other businesses to accept UPI AutoPay based recurring payments directly into their bank accounts — without follow-ups or delays. Be it one time or daily, weekly or monthly installments, one QR code for every kind of payment.

Develop two cross-platform applications, PayLater & PayLater Business for customers and merchants respectively

Should be available on all platforms – Android, iOS and Web

The Web platform for PayLater app (customer) is essential to offer a seamless onboarding experience without the hassle of new app download & installation

PayLater Business (merchant) app built with more extensive features should be native in Android primarily

Kotlin Multiplatform (KMP) and JetPack Compose matched our criteria to develop said Android, iOS & Web apps while offering a future proof forward compatible tech stack

Additionally, React.js was opted for web app within the framework of KMP

The in-house FinTech tech stack of RocketPay served as the backend for the apps AWS powered cloud infra

📲 Instant Mandate QR Code Generation - Create UPI AutoPay with customer-specific details like EMI date

🏪 Perfect for On-Store EMI Conversions - Let walk-in customers scan your QR code and start EMI repayment immediately via their UPI app

🔁 Automated EMI Collection - No more manual follow-ups. Once the customer authorizes the mandate, payments are automatically debited and settled to your bank

📊 Real-Time Tracking & Dashboard - Track mandates, payment status, pending EMIs, and customer repayment history from your app dashboard

💳 Support for UPI AutoPay - Flexible for all types of customers — UPI users or traditional bank account holders

🛡️ Safe & Compliant - Built with NPCI-compliant UPI AutoPay for secure digital mandate processing

UX journey steps –

Login using your mobile number linked to your business.

Enter bank account details and preferred EMI date

Generate Mandate QR Code

Ask Customer to Scan and authorize the mandate using their UPI PIN.

Start Receiving Payments Automatically in your registered bank account.

🔐 Secure Login via Mobile Number - No complex signups. Just enter your mobile number and start using the app

📲 Scan Mandate QR Code - Scan the QR code shown at the business’s store to initiate your EMI/mandate request

💸 Custom Payment Setup - Enter EMI amount, choose your repayment frequency (weekly, monthly, etc.), and set your repayment date

🔓 Authorize with UPI PIN - Securely authorize the mandate using your preferred UPI app—no separate KYC needed

📅 Automated Payments - Once authorized, your payments will be automatically deducted as per schedule

📊 Real-Time Tracking - Get instant updates and track all your upcoming EMIs in one place

UX journey steps –

Login to the app using your mobile phone number.

Add your Name to personalize your payment experience.

Scan the Mandate QR Code shown at the retailer's counter.

Enter Payment Details – like amount, repayment start date, and payment frequency (monthly, weekly, etc.).

Accept Mandate – Authenticate using your UPI PIN securely.

RocketPay successfully launched micro-credit management and collection platform by leveraging a future-proof, cross-platform tech stack.

If you are interested in a seamless FinTech product, a robust cross-platform application, or a high-performance backend infrastructure, please reach out—I would love to discuss how we can work together