Payment recovery is a ladder, not a single step. FundRaksha Collect sends WhatsApp, SMS and email reminders and collects through UPI Autopay or NACH for a 1% success fee. When a buyer ignores reminders, FundRaksha Legal assigns an advocate, sends a legal notice within 24 hours, negotiates and files if needed, for a 30% fee on recovery only. 60% of legal cases settle before court.
Three stages of payment recovery, one company
Most providers do one thing. A reminder app stops when the buyer ignores it. A collection agent stops when the buyer says no. A lawyer starts only when you have already lost months. FundRaksha covers all three stages so nothing falls between them.
| Stage | Product | What happens | Fee |
|---|---|---|---|
| 1. Prevent | FundRaksha Collect | Scheduled WhatsApp, SMS and email reminders; UPI Autopay and NACH mandates | 1% of collections |
| 2. Demand | FundRaksha Legal | Dedicated advocate, legal notice within 24 hours, negotiation, payment plan | 30% on recovery |
| 3. Enforce | FundRaksha Legal | MSME Samadhaan, Section 138, summary suit, arbitration, execution | 30% on recovery, court fees extra |
Before extending credit at all, FundRaksha Trust checks the buyer's GSTIN status, filing record and court cases. See buyer credit check.
Who uses FundRaksha for payment recovery
- Manufacturers and traders with dealers or buyers who stretch 30-day terms to 120 days
- MSMEs supplying to larger companies that pay only when pressed
- Service firms, agencies and IT companies whose final milestone invoice is never paid
- Contractors and sub-contractors waiting for retention and final bills
- Transporters, warehouses and freight forwarders with pending freight bills
- Startups with a few large enterprise customers and no legal team
See MSME debt recovery, startup payment recovery and contractor payment recovery for sector detail.
What makes a payment recovery company No.1
We make the claim and we put the numbers next to it: 1,000+ businesses onboarded, 700+ paid, ₹50 Cr+ handled, 60% settled before court. But the test of any recovery company is how it is paid. FundRaksha Legal takes 30% of what is recovered and nothing upfront, so our interest is exactly yours: money in your account, as fast as possible, at the lowest stage of the ladder.
Everything is in writing. Notices, delivery proofs, settlement terms and filings are recorded and shared with you. You always know where your matter stands.
How to start
- Book a free consultation. Send the invoices, order, delivery proof and the buyer's messages.
- Get an honest assessment: recoverable amount with interest, the right stage of the ladder, timeline and cost.
- If you proceed, an advocate is assigned and the notice is out within 24 hours. Nothing is paid upfront.
- Receive payment or a signed plan; or we file, appear and enforce.
FundRaksha recovers business-to-business payments only. We do not handle personal loans, consumer debt or EMI collections.
Payment recovery in your city
FundRaksha works with businesses in every state, with notices and filings handled digitally and advocates appearing wherever the matter is heard. City pages include payment recovery agency in Hyderabad, Bengaluru and Ahmedabad. For the fee on your own invoice, try the recovery fee calculator.
Last reviewed: 2026-10-08. Information for Indian businesses; not legal advice.