The best payment recovery app for an Indian business is one that lets you escalate in steps from the same place: polite reminders first, then firmer follow-up calls, then a lawyer-drafted legal notice, and finally advocate-led recovery, with every attempt recorded as evidence. It should also help you avoid bad debts in the first place by checking the buyer's GST record before you give credit. FundRaksha Trust does all of these in one Android app and web app, with no subscription: you pay per service from a prepaid wallet.
What to look for in a payment recovery app
- Step-by-step escalation. Most late payers respond to a reminder. Some need a firmer push, and a few need a legal notice. An app that offers only one of these leaves you to find the rest elsewhere.
- Someone actually follows up. A reminder you have to send yourself is easy to put off. Look for follow-ups that run on a schedule, by call and email, without you making each call.
- A record of every attempt. If the matter goes to MSME Samadhaan or court, dated reminders, call logs and delivery proof of a notice support your claim.
- Legal notices drafted by lawyers. A notice for unpaid GST invoices or a bounced cheque should be drafted and reviewed by a legal team, and the app should show delivery status.
- Buyer checks before credit. Recovery is cheaper when you avoid the risky buyer. Look for a GSTIN check, the filing record and court cases in the same app.
- Clear pricing. Know what each step costs before you start, and whether you are refunded when a service cannot go ahead.
- Fair to your buyer. Calls only within the hours you set, and the ability to pause the moment the buyer pays.
How FundRaksha Trust handles recovery
FundRaksha Trust is built for Indian businesses that sell on credit. Each recovery step can be started from the app or the web app:
| Step | What happens | When to use it |
|---|---|---|
| Soft follow-up | Scheduled reminder calls and email reminders with the invoice details, within the calling hours you choose. | An invoice is due or just overdue and the buyer is not yet disputing it. |
| Hard follow-up | Frequent reminder calls until the buyer responds. You choose how often: every 60, 30, 15 or 10 minutes. | The dues are already late and polite reminders have not worked. |
| Digital legal notice | A lawyer-drafted notice for unpaid GST invoices or cheque bounce, sent by email and WhatsApp and tracked in the app. | You want a formal demand quickly. |
| Physical legal notice | The notice is printed and sent by registered post, with the India Post tracking number and proof of delivery saved. | The matter may go further and you need proof of delivery. |
| Recovery Combo (in the app) | A hard follow-up with calls every 10 minutes plus a physical legal notice, booked with one form and one payment. | The buyer has gone quiet and you want both steps at once. |
| FundRaksha Legal | Advocate-led recovery for larger dues: the team traces the buyer, sends letters and notices and works towards an out-of-court settlement. Onboarding is free and the fee is charged only on what is recovered. | Larger amounts where the buyer still has not paid. |
Our team reviews every follow-up and notice before it starts. If a request cannot be taken up, the RakshaPoints are refunded to your wallet automatically. You can pause or resume any follow-up in one tap. Current prices are on the pricing page.
Recovery app vs other options
Each option below has its place. The table compares them in general terms; actual terms vary from provider to provider, so check them before you sign up.
| Option | What it usually does | Points to weigh |
|---|---|---|
| Ledger or khata apps | Record credit given to each customer and let you send payment reminders by SMS or WhatsApp yourself. | Good for tracking. The reminder is still yours to send, and there is usually no legal notice or buyer check built in. |
| Collection agencies | Call and visit the debtor on your behalf, often for a fee or a share of what is recovered. | Ask how they contact debtors and get the fee in writing. Your business name is attached to their conduct. |
| A lawyer you engage directly | Drafts a notice, files a cheque bounce complaint, an MSME Samadhaan reference or a civil suit. | Needed for court action. Fees and timelines depend on the lawyer and the case. |
| Doing it yourself | Calls, WhatsApp messages and emails from your own phone. | Costs nothing but your time. It is easy to fall behind and harder to keep a clean record. |
| FundRaksha Trust | Buyer checks before credit, scheduled call and email follow-ups, lawyer-drafted notices, and a route to advocate-led recovery through FundRaksha Legal. | Pay per service from a wallet. Follow-ups and notices start after a review by our team. |
Getting started
- Download FundRaksha Trust from Google Play and sign up with your GSTIN, or sign in to the web app.
- Recharge your wallet. ₹1 = 1 RakshaPoint, and bigger recharges earn bonus points. See pricing.
- Choose the step: soft follow-up, hard follow-up or legal notice. Enter the buyer's name, mobile number, amount due and invoice details. Email and documents are optional but help.
- Track every call, email and notice from the app. Escalate when you are ready.
For the full escalation plan with timings, see how to recover money from customers. To compare the steps in detail, see soft vs hard follow-up vs legal notice.
Frequently asked questions
Which is the best app to recover payments from customers in India?
Choose an app that covers the whole path: reminders, firmer follow-up calls, a lawyer-drafted legal notice and a route to advocate-led recovery, with every attempt recorded. FundRaksha Trust offers all of these, along with buyer checks by GSTIN before you give credit.
Is there a monthly fee for FundRaksha Trust?
No. There is no subscription. You recharge a wallet (₹1 = 1 RakshaPoint) and pay only for the follow-ups, notices and reports you use. The Basic GST check is free.
Who makes the follow-up calls?
Calls and emails go out from FundRaksha on your behalf, within the calling hours you set. You see every attempt in the app.
Can a recovery app send a legal notice?
FundRaksha Trust can. Notices for unpaid GST invoices and cheque bounce are drafted and reviewed by our legal team and sent digitally or by registered post.
What happens if the buyer still does not pay after a legal notice?
The notice becomes part of your record for further steps such as MSME Samadhaan, a cheque bounce complaint or a civil suit. FundRaksha Legal handles advocate-led recovery for larger dues.
Is the app available on iPhone?
The app is on Google Play for Android. On any computer or phone browser you can use the web app at trust.fundraksha.com/business with the same account.
This guide is general information for Indian businesses, not legal or tax advice. GST data shown by any tool comes from public records and should be confirmed on the GST portal before you act on it.