PayCred
🇮🇳Proudly Made in India
Fast • Secure • 100% RBI Compliant
Fast • Secure • 100% RBI Compliant
PayCred is a fintech payment utility operated by HINDUSTAN MFG, a GST-registered and Udyam-certified enterprise based in Mumbai, India. We enable tenants and students to pay fee and education fees securely using credit cards.
To bridge the gap between credit card utility and recurring household expenses. We believe every payer and student should be able to leverage their credit cards for fee and tuition — earning reward points, maintaining cash flow, and building credit history, all while ensuring that funds reach landlords and institutions securely and on time.
To become India's most trusted PropTech payment platform — digitizing the entire payer-beneficiary financial relationship through secure credit card settlements, automated tax receipts, digital fee agreements, and payer screening tools, all powered by RBI-compliant payment infrastructure.
Sign up with OTP verification, submit PAN & Aadhaar for identity validation under RBI AML guidelines.
Enter your beneficiary or school's bank details, select amount and settlement speed, and pay via credit card.
Funds are collected into our escrow/nodal account at Bharat Co-op Bank and routed to the beneficiary.
Settlement completes within the chosen timeframe. Signed tax receipt with QR code is generated instantly.
All card data is processed through PCI-DSS certified payment gateways with HSM-based tokenization.
End-to-end SSL encryption on all pages and API endpoints. HTTPS enforced via Vercel edge network.
User data handling follows the Digital Personal Data Protection Act, 2023. No data sold to third parties.
Payment processing uses licensed, RBI-authorized payment aggregator partners with escrow account infrastructure.
All convenience fees include transparent 18% GST. Tax invoices generated for every transaction.
In compliance with RBI CoFT mandate — raw card numbers are never stored. Network tokens are used for all payments.
PayCred processes payments through regulated escrow accounts, enforces strict KYC/AML checks, and provides complete billing transparency. Our infrastructure is designed to meet the onboarding standards of leading Indian payment aggregators.
PayCred is a technology platform — not a payment aggregator. All credit card transactions are processed by our licensed payment gateway partner, who holds valid PCI-DSS certification and RBI authorization as a Payment Aggregator. PayCred does not store, process, or have access to raw credit card data at any point.
Settlement of funds to beneficiary bank accounts is executed through designated escrow/nodal accounts maintained by the payment partner, in compliance with RBI's Payment Aggregator guidelines.
Custom Digital Engineering Solutions
In addition to our primary services, we also provide professional software development services. We specialize in designing and developing high-performance, robust, and scalable solutions custom-tailored to your business requirements:
If anyone is interested in developing a website, mobile app, desktop application, or any custom software solution, they can submit an inquiry through our platform. Our team will review the requirements and get in touch to discuss the project in detail.
Explore Custom Software & Pricing →Ready to pay your fee or education fees with your credit card?