Cashfree for BFSI
The Complete
Payment Stack for Regulated Businesses
Solutions designed to solve the challenges of Lending, Financial Services, and Insurance companies.
Powering payments in India for a decade
Solutions by business
The payment infrastructure built for your business
Pick your business and see the exact stack tailored for you.
Lending & NBFCs
Everything lenders and NBFCs need to onboard, collect, and protect, in one payment stack.
Onboard and verify borrowers and agents in minutes, fully digital.
Verify bank accounts, UPI IDs, IFSC, Aadhaar, PAN, and GSTIN against live government databases, in real time, 24x7.
Onboard individuals and businesses with instant KYC, so payments always reach the right beneficiary.
Run unlimited verifications and automate them end to end with sync and async APIs.
Protect every transaction, automatically.
Stay two steps ahead of fraudsters with Cashfree Shield Pro rule engines that reduce chargebacks and fraud.
Prevent transactions from known fraudsters using Cashfree's Blacklist.
Use Smart Limits to block transactions from known fraud hotspots and cap the number or value of successful transactions per payment instrument or customer profile.
Collections
Recover EMIs through one-time and recurring modes.
Assign a dedicated virtual UPI address to each customer or agent, and instantly reconcile when a payment is made.
Recover missed EMIs over WhatsApp and SMS with zero engineering effort.
Collect repayments through custom no-code forms built for recovery drives and on-ground teams.
Turn an agent's phone into a doorstep EMI collection point, with every repayment auto-tagged to the right borrower.
Collect EMIs automatically on each due date through a one-time borrower mandate.
Collect high-value EMIs on time across 60+ Indian banks through automated mandates.
Insurance
Everything insurers need to onboard, collect, pay out, and protect, in one unified stack.
Know your policyholder in seconds. A customisable verification flow that lifts completion rates and strengthens compliance.
Fetch a customer's PAN, Aadhaar, and other details instantly with just their phone number.
Allow manual document uploads and verify them via Smart OCR that reads details accurately.
Verify PAN, Aadhaar, bank account, and GSTIN in a single customisable flow, mixing manual upload and auto-verification.
Fast settlements for your policyholders. Settle all claims instantly with an industry-best success rate.
Make bulk payouts at scale with a 99.8% success rate, through our multi-bank (10+ banks) support.
Send instant payouts to beneficiaries via all major payout rails, including UPI, NEFT, IMPS, and RTGS.
Automatically reconcile every payout through status checks, live webhooks, and statement matching.
Protect every premium and payout from fraud. Flag and block suspicious transactions in real time with intelligent risk detection built into your flow.
AI-based scoring that instantly flags anomalies across premium payments and payouts.
Block known fraudsters, risky UPI IDs, stolen cards, and duplicate accounts in one place.
Set transaction limits, stop duplicates, and get daily reports for easy review.
Collections
All payment modes for faster policy purchases. Collect premiums on web and app via 180+ pay modes, including UPI, Cards, NetBanking, and Wallets.
Block premium funds upfront via Card Pre-Authorization, UPI One-Time Mandate, and Lien Marking (Net Banking) and debit only when the policy is issued.
Turn large annual premiums into affordable EMIs with Cardless EMI and Pay Later.
Let customers pay premiums by scanning a UPI QR on their RuPay credit card, and split it into instant EMIs on the spot.
Nudge renewal-due policyholders to pay in a tap over WhatsApp and SMS, before the policy lapses.
No-code Payment Forms built for group policies, enrolment camps, and agent-assisted premium collection in the field.
Collect monthly, quarterly, or annual premiums on time through automated UPI mandates.
Collect high-value insurance premiums on time across 50+ Indian banks through eNACH mandates.
Standing instructions on cards, domestic and international, managed via Customer Hub.
Investment
Everything investment platforms need to verify, collect, and settle, built for SEBI-regulated flows.
Verify every investor and their bank account, instantly. Leverage our industry-leading verification suite to make customer acquisition seamless.
Verify customer identity and financial information easily, in real time, with Secure-ID.
Cut onboarding friction with unlimited sync and async API calls, and win back drop-offs through dynamic KYC links.
Automatically route payments to partners, with instant settlements and full reconciliation.
Split incoming payments and settle directly with all parties involved, instantly.
Automate reconciliation for your vendors, suppliers, and your business with one click.
Monitor settlements and reports in real time, with a clear view of daily, weekly, and monthly sales.
Collections
All payment modes for faster policy purchases. Collect premiums on web and app via 180+ pay modes, including UPI, Cards, NetBanking, and Wallets.
Accept one-time and recurring investments via UPI, Cards, and NetBanking.
Investors block funds with a UPI One-Time Mandate, and the amount debits only on order confirmation.
Collect monthly, quarterly, or annual SIPs automatically through a one-time investor mandate.
Set up eNACH mandates to auto-debit high-value recurring investments across 50+ Indian banks.
SEBI mandates investments from a KYC-verified account. Cashfree ensures every payment comes only from the investor's own verified account, across UPI and NetBanking.
One integration. Any processor. Anywhere.
Gateway+
Activate additional processors, banks, regional acquirers, and international partners through the Cashfree integration you already have.
No new APIs
No re-engineering
No new dashboards
No new code
Add any payment partner through a configuration change. Your existing integration stays untouched.
Full control with zero downtime
Choose who handles cards, UPI, and netbanking. If one has an outage, traffic shifts automatically and checkout keeps running.
Go global without a rebuild
Plug in regional acquirers or a Merchant of Record partner to sell abroad, all from one dashboard.
Give your customers a payment experience that feels effortless.
One BFSI stack built to lift success rates across every collection, payout, and verification.
