Pay vendors via NEFT, RTGS, UPI -- all from one screen.
Stop juggling between bank portals. Process batch payments, schedule future disbursements, auto-deduct TDS, and track every rupee in real time -- with dual authorization and a complete audit trail.
Every Payment Mode, One Unified Platform
From NEFT batch runs to instant UPI transfers, manage it all without switching between bank portals
NEFT and RTGS Batch Processing
Group vendor payments into batches by due date, vendor type, or amount. NEFT handles regular settlements while RTGS processes high-value payments above ₹2 lakhs with instant settlement.
- Bulk processing -- 100+ payments per batch
- Auto-select NEFT vs RTGS based on amount thresholds
- Bank-specific file generation for all major Indian banks
- Schedule batches for optimal settlement windows
UPI Batch Payments
Pay small vendors, contractors, and freelancers instantly via UPI. Supports VPA-based transfers and QR code payments for vendors who prefer mobile-first interactions.
- Instant payments -- settled in under 30 seconds
- QR code support for walk-in vendor payments
- Batch UPI transfers for multiple small-value payments
- Auto-verify UPI ID before initiating transfer
Payment Scheduling
Plan your cash outflows by scheduling payments for specific dates. Set up recurring payments for rent, retainers, and subscription vendors. Calendar view shows upcoming disbursements at a glance.
- Recurring payment setup for fixed-amount vendors
- Calendar view with daily, weekly, and monthly layouts
- Cash flow impact preview before scheduling
- Auto-hold if bank balance drops below threshold
Automatic TDS Deduction
TDS is auto-calculated and deducted based on Section 194C, 194J, 194H, and other applicable sections. The system knows each vendor's TDS rate and applies it before payment, generating certificates automatically.
- Auto Section 194 classification based on vendor type
- Lower deduction certificate tracking for exempt vendors
- TDS certificate (Form 16A) generation and distribution
- Quarterly TDS return data ready for filing
Auto-Reconciliation
Every payment is automatically matched against your bank statement. UTR numbers, amounts, and dates are cross-verified. Exceptions are flagged and routed for manual review.
- Auto bank statement matching with 95%+ accuracy
- UTR-based reconciliation for NEFT/RTGS payments
- Exception handling with guided resolution workflows
- Reconciliation reports for month-end close
Bank-Grade Security for Every Transaction
Your payments are protected by the same security standards used by major financial institutions
Bank-Grade Encryption
256-bit AES encryption for data at rest and TLS 1.3 for data in transit. Your payment data never touches an unsecured channel.
Dual Authorization
Maker-checker workflow ensures no single person can initiate and approve a payment. Configurable limits and multi-level sign-off.
RBI Compliant
All payment processes follow Reserve Bank of India guidelines for electronic fund transfers and digital payment security.
Complete Audit Trail
Every action is logged -- who initiated, who approved, when it was processed. Immutable records for auditors and compliance teams.
Payment Processing Questions
Answers to the most common questions about managing vendor payments through OneFinOps
Simplify Your Payment Runs
One screen for NEFT, RTGS, and UPI. Batch processing, auto-TDS, and real-time tracking. Stop switching between bank portals.