Payout infrastructure for NBFCs: sales, collections, and everything your channel demands.
Employees, DSTs, DSAs, agencies, call centers. Loan products, buckets, geographies. Policies that change mid-month. PayPrompt runs all of it as one governed system, live at Tata Capital scale.
Four reasons NBFC payouts break every generic tool.
Multiple actor types
Employees, DSTs, DSAs, connectors, collection agencies, call centers and RMs, each on different commercial terms. A tool built for one payee type leaves the rest in spreadsheets, which means all of it stays in spreadsheets.
Complex payout logic
Slabs, accelerators, multi-level splits, bucket-wise rates, clawbacks on default. Every exception handled by hand is a dispute waiting for month-end.
Rapid rule changes
Risk and portfolio performance force policy changes several times a month. Every change queued behind IT is a month of misaligned incentives.
Compliance exposure
Variable pay to external channels draws scrutiny. A payout you cannot reconstruct is a finding you cannot answer.
Collections and channel, one engine.
Collections
The hardest variable pay problem in lending, and where PayPrompt started.
- Agency commissions and bucket-wise incentive structures
- Resolution-linked payouts calculated from your collections data
- Same-day agency invoice payment, was 3 to 4 days
Origination & channel
Where payout speed decides whose file the dealer pushes.
- Dealer-level payout structures and dealer-level targets
- DSA, DST and connector hierarchies with multi-level splits
- Scheme changes simulated before they reach the dealership counter
Live at national scale.
Tata Capital runs sales and collections payouts on PayPrompt across employees, DSAs, agencies, call centers and RMs, across mortgages, retail and secured products.
Deployed where earlier tools couldn't survive the pace of policy change.
Audit-ready by construction.
Maker-checker approvals on every payout run. An immutable calculation trail per line item. Version history on every policy, so any past cycle can be reconstructed exactly as it was priced. Audit-ready records for internal and regulatory review.
Bring your most fragmented policy.
Dealer-level, bucket-level, mid-month changes included. That's the one we want. A working POC on your own policy and data, typically inside 10 days.