On FundRaksha Trust you report a buyer who did not pay by giving the buyer's GSTIN, the unpaid amount and the invoice date; invoice proof speeds up approval. The Trust team reviews each report, and once approved, everyone who checks that buyer sees the warning. Reporting is free.
Before you report
A report should describe a genuine unpaid trade debt, not a quarrel. Check three things first:
- The debt is due and undisputed: goods or services were delivered and accepted, and the due date has passed.
- You have asked for payment: reminders, a follow-up or a notice. A dated record helps.
- You have the right GSTIN: run the free GST check to be sure the report attaches to the correct business.
If the buyer has raised a quality complaint or a short-supply dispute, resolve or document that first. Trust rejects reports that are really personal or commercial disputes.
How to report on Trust
- Open the defaulter section in the Trust app or web app.
- Enter the buyer's GSTIN, the unpaid amount and the invoice date.
- Attach the invoice and, if you have them, delivery proof and reminders.
- Submit. The Trust team reviews the report before it is shown.
- Once approved, the warning appears to everyone who checks that buyer, and users watching the buyer are alerted.
What is not allowed
Trust's page is explicit: using reports to settle personal disputes or pressure a business is prohibited under its terms of use, false or personal disputes are rejected, and accounts that upload false data are removed. Report facts you can prove, in amounts you can show on an invoice.
Reporting is also not a substitute for recovery. It warns others and adds pressure; the money still has to be collected through follow-ups, a legal notice, MSME Samadhaan or court.
Worked example
A Jaipur block-print fabric supplier is owed ₹1,60,000 by a Delhi boutique chain for five months after delivery, with three reminders and a digital notice ignored. It reports the default on Trust with the GSTIN, amount, invoice dates and the delivery receipts. After review the report is approved, and any supplier who checks the chain on Trust now sees it. The supplier continues recovery in parallel with a physical notice and an MSME Samadhaan claim as a Udyam-registered small manufacturer. For recovery support in Rajasthan, see FundRaksha Jaipur.
What a good report includes
| Item | Why |
|---|---|
| Buyer's GSTIN | Attaches the report to the right business |
| Unpaid amount | Shows the size of the default; report only what is still due |
| Invoice date | Shows how old the debt is |
| Invoice copy | Speeds up approval |
| Delivery proof and reminders | Shows the goods were received and payment was asked for |
The more complete the report, the faster the Trust team can review it, and the more weight other suppliers will give it.
Reporting alongside recovery
Reporting works best as one step in a sequence, not on its own. A typical order is: reminders, a follow-up, a legal notice, then the report, then MSME Samadhaan or court if needed. If the debt is a bounced cheque, keep the Section 138 deadlines in view while you do this: the notice must go within 30 days of the return memo whatever else is happening.
Sources
Last reviewed: 2026-10-21. Information for Indian businesses; not legal advice.