How it works

From sign-up to getting paid

Five simple steps. Most businesses are checking their first buyer within five minutes.

Step 1 · Sign up

Sign up with your GSTIN

Enter your GSTIN and verify with the OTP sent to your GST-registered mobile or email. Your business details come straight from GST records.

  • No documents to upload
  • Your team and CA can join later
  • Same account on the app and the web
Good morning
Shree Traders
RakshaPoints
6,685
+ Recharge
Verify a buyer
29AABCK1234L1Z2
Check buyer
Verify
Follow-up
Notice
Watch
Recent checks
Bharat Steel Works
Advance
Kaveri Textiles
GST + Financial
Mehta Distributors
Basic
Step 2 · Add money

One wallet pays for everything

Recharge once and use RakshaPoints for any service. ₹1 = 1 RakshaPoint, with bonus points on bigger recharges.

  • UPI, cards and net banking via Razorpay
  • Up to 15% bonus on recharges
  • Failed checks refunded to your wallet
RakshaPoints
11,500
You paid ₹10,000 · +15% bonus
₹1K
+5%
₹2K
+8%
₹5K
+12%
₹10K
+15%
Step 3 · Check the buyer

Know who you're dealing with

Start with the free Basic check. For a new or big order, get the GST + Financial report (499 RP, charged only when it's ready).

  • GST status, filing record and health score
  • Owner's credit score and loan record
  • Court cases and a clear credit decision
Buyer report
GST + FINANCIAL
KT
Kaveri Textiles Pvt Ltd
29AABCK1234L1Z2
Active
Credit decision
Give credit with care
Keep the limit under ₹2 lakh and terms to 15 days.
1 pending payment dispute in court
GST active for 6 years, files on time
712score
Owner credit score
82/100
GST health
Filed on time92%
Loan repayment88%
Court risk35%
Step 4 · Give credit smartly

Set terms that match the risk

Follow the suggested terms, set a credit limit and credit days for the buyer, and add the invoice to your receivables.

  • Credit limit and days per buyer
  • Warning before an invoice crosses the limit
  • Watchlist alerts for 99 RP a month
trust.fundraksha.com/business
Good morning,
Ravi
Wallet
3,240 RP
Outstanding
₹18.4L
Overdue
₹4.1L
Buyers checked
128
Receivables ageing
Step 5 · Get paid

Recover dues step by step

If a buyer delays, start a follow-up. If they still don't pay, send a lawyer-drafted notice. Everything is tracked.

  • Soft and hard follow-ups
  • Digital and registered-post legal notices
  • Refund if our team can't take it up
Hard follow-up
BS
Bharat Steel Works
Invoice INV-2291 · every 30 min
Amount due
₹2,12,000
Running
Next call at 12:00 PM
6
Answered
3
Missed
4
Emails
Activity
Call answered11:30 AM
Call not answered11:00 AM
Reminder email sent10:02 AM
Call answeredYesterday
Legal notice · Mehta Distributors
Cheque bounce · ₹95,000
  1. Notice requested
    Details and invoice received
  2. Drafted by our lawyer
    Reviewed and signed
  3. Sent by registered post
    Tracking EK123456789IN
  4. Delivered
    Proof of delivery saved
Out for delivery · India Post
Example

A new buyer wants a ₹5 lakh order on 30 days' credit

Free Basic check
Free
GST active, registered 6 years ago
GST + Financial report
499 RP
Decision: give credit with care
Set terms
Free
Limit ₹2 lakh, 15 days; invoice added
Watch the buyer
99 RP / month
Alert if GST or court status changes
598 RP
in the first month to protect a ₹5 lakh sale. If the buyer pays late: a soft follow-up (99 RP), then a digital notice (749 RP).
FAQ

Questions, answered

Can't find what you need? Talk to us.

The app is the fastest way to start. Owners, accountants and CAs can also use the web app at trust.fundraksha.com/business with the same account.

Check your next buyer before you ship

Start with a free Basic check. Pay only when you need a deeper report or a follow-up.