Overview

Every Indian SaaS company, marketplace, and enterprise eventually wires the same stack: Razorpay for payments, Chargebee for billing, ClearTax for GST. Three vendors, three dashboards, three reconciliations, and financial data split across all of them. Every Qeet product faces the same problem internally. Qeet Pay collapses that into one API, one dashboard, and one integration — payment acceptance, payouts, subscription billing, GST-compliant invoicing, payment orchestration, fraud detection, embedded finance, and financial analytics.

No platform today combines UPI and NACH with subscription billing, GST e-invoicing (IRN), GSTR-1 auto-filing, marketplace GST split, AI dunning, and WhatsApp-native invoicing in a single product. Qeet Pay is built India-first, multi-tenant by construction, and on a double-entry ledger from day one.

What makes it different

Payments and billing in one place — UPI (collect, intent, AutoPay, and Credit Line on UPI), cards with RBI CoFT network tokenization, net banking, wallets, NACH, and virtual accounts, alongside a full subscription billing engine spanning flat-rate, per-unit, tiered, usage-based, and hybrid pricing.
GST compliance built in — auto-calculated CGST/SGST/IGST, e-invoicing with IRN, GSTR-1 auto-filing, GSTR-2B reconciliation, and multi-GSTIN management. A combined QR carries IRP-validated e-invoice data and a UPI payment intent together, so a buyer scans once to verify the invoice and pay it.
AI where it pays back — UPI-aware dunning that classifies payment failures and adapts channel and timing for materially higher recovery, ML payment orchestration that routes each transaction to the best provider, and explainable fraud scoring that returns the top signals behind every block in plain English.
WhatsApp-native — invoice delivery, a subscription-management bot, dunning sequences, and payout confirmations, all over WhatsApp.
Built on the Qeet platform — merchant and customer identity from Qeet ID, payment and dunning notifications through Qeet Notify, an immutable financial audit trail in qeet-logs, salary and statutory disbursement with Qeet People, and a dashboard and checkout SDK on Qeetrix.

On the roadmap

Phase 1 — Foundation (Q3–Q4 2026)

Launching as a sub-merchant under a licensed payment aggregator — everything except direct acquiring.

Payments: UPI, cards, net banking, and wallets
Payouts: UPI, IMPS, and NEFT, including bulk disbursal with maker-checker approval
Subscription billing: flat-rate, per-unit, and tiered, with basic dunning
GST invoicing (pre-IRN)
Go, TypeScript, Python, and Java SDKs, and a qp CLI
Qeet ecosystem integration — Qeet ID, Qeet Notify, qeet-logs, and Qeet People payroll

Phase 2 — Depth and intelligence (Q1–Q2 2027)

UPI 2.0, NACH, and virtual accounts
AI dunning, ML payment orchestration, and automatic provider failover
E-invoicing (IRN via the IRP), GSTR-1 auto-filing, and multi-GSTIN
Usage-based billing, and marketplace split payments with GST attribution
WhatsApp invoicing and bot, Account-Aggregator-powered embedded lending, and cash-flow forecasting

Phase 3 — Enterprise and global (Q3–Q4 2027)

An own RBI payment-aggregator license, and PA-CB for cross-border payments
UPI Lite and 123Pay, virtual card issuing, embedded insurance, and digital escrow
Natural-language analytics, multi-region, ONDC integration, and SOC 2 Type II

Who it serves

CTOs, CFOs, and engineering leads at Indian SaaS companies, marketplaces, and enterprises living with GST invoicing pain, UPI AutoPay failures and involuntary churn, multi-vendor payment fragmentation, or marketplace settlement complexity. Inside Qeet Group, Qeet Pay is the financial infrastructure every product collects, disburses, and invoices through.

Status

Coming soon. Qeet Pay is in the requirements and design phase, with Phase 1 development targeting Q3–Q4 2026 alongside five design partners. It launches under the standard sub-merchant model — the path most Indian fintechs take — while its own RBI payment-aggregator license is in process. Design partners get white-glove migration from Razorpay and Chargebee, end-to-end GSTR-1 filing setup, and locked pricing. If GST, billing, or payment fragmentation is a daily problem for your team, reach out at partnerships@qeet.in.