UtilityPay B2B Settlement Engine
Statutory SAC 9971 Compliant • 100% Principal Payout Guarantee

Intelligent Vendor Invoicing & Commercial Utility Settlements for Growing Enterprises

Automate supplier payouts, office rental disbursements, and commercial utility invoices with automated SAC 9971 GST compliance and real-time bank IMPS rails.

Penny-Drop Verified
SAC 9971 GST Invoices
Dual Speed IMPS Rails
Anti-Self-Transfer AML
Core Technology

Fintech Guardrails Engineered for Enterprise Trust

Every transaction adheres to RBI anti-cycling terms, statutory GST deductions, and live bank verification.

Penny-Drop Account Validation

Automated ₹1 bank account ping verifies recipient identity and IFSC accuracy before payouts are permitted.

100% Statutory GST Invoices

Generates compliant PDF Tax Invoices certifying platform convenience fees under SAC 9971 with 18% GST breakdown.

Dual Settlement Rails

Choose between Instant IMPS Payout (3.5%) or Standard Next-Day Batch Settlement (2.5%) based on cash flow needs.

Anti-Self-Transfer Safeguards

Levenshtein fuzzy name comparison and PAN matching prevent credit card cycling and unauthorized personal cash extraction.

Supported Categories

Purpose-Built for Corporate & Commercial Utilities

All disbursements are strictly tagged with appropriate Merchant Category Codes.

MCC 6513

Commercial Office Rent

Disburse monthly commercial leases, co-working facility dues, and corporate office rent directly to designated landlords with rent agreement archiving.

Pass-through to Landlord 100% Payout
MCC 7399

B2B Vendor Invoices

Settle supplier bills, IT infrastructure maintenance, and professional service invoices with automatic tax breakdown and PAN verification.

Invoice Number Tagging Audit Ready
MCC 4900

Equipment & Utility Leases

Automate warehouse leasing, server hardware rental fees, and commercial utilities with complete transaction trail and automated receipts.

Direct Payout Rail Real-Time IMPS
Transparent Economics

Clear, Simple, and Predictable Processing Fees

Zero hidden setup charges. GST is charged strictly on the platform convenience fee as per law.

Standard Transfer T+1 Batch
2.5% + 18% GST on Fee

Economical processing for scheduled commercial rental and recurring supplier disbursements.

  • Next business day settlement
  • ₹1 Penny-Drop beneficiary verification
  • Automated SAC 9971 GST Tax Invoice PDF
  • Strict ₹25,000 single ticket safety cap
Choose Standard Pay
Most Popular
Instant Priority Pay Real-Time IMPS
3.5% + 18% GST on Fee

Real-time instant settlement directly into recipient bank account for verified cards.

  • Instant IMPS payout with Bank UTR
  • ₹1 Penny-Drop beneficiary verification
  • Automated SAC 9971 GST Tax Invoice PDF
  • 24-Hour security cooling on new cards
Choose Instant Pay
Regulatory Compliance

Strict Anti-Money Laundering & RBI Digital Payment Alignment

UtilityPay operates strictly as a commercial utility and vendor invoice processing intermediary. In compliance with the Prevention of Money Laundering Act (PMLA) and RBI guidelines, direct personal cash-outs and self-transfers to one’s own account or matching PAN are strictly prohibited.

256-Bit SSL Data Security SAC 9971 Statutory Tax Invoice 24-Hour First Card Cooling Window