Collection-Focused Solution

EMI Collection Software That Automates Recovery

Track payments, send automated reminders, identify overdue accounts and improve collections — all from a single platform built for lenders.

Automated reminders
Real-time tracking
Gateway integrations

Why collections leak revenue

Spreadsheets and phone calls can't keep up with a growing loan book — and every delay compounds into a default.

Late Payments
Customers pay late, eroding cash flow.
Missed EMIs
Overdue accounts slip through the cracks.
Manual Tracking
Spreadsheets fail at portfolio scale.
High Follow-Up Costs
Call centres are expensive and slow.
Collection Delays
Long cycles increase default risk.

Every EMI, fully orchestrated

From the moment an EMI is generated to the second it's paid, LimaxPay runs the entire cycle automatically.

01
EMI Generated
Schedule created on loan setup
02
Reminder Sent
Pre-due nudge across channels
03
Due Date
Payment window opens
04
Grace Period
Configurable buffer
05
Overdue Alert
Account flagged automatically
06
Recovery Action
Escalation & enforcement
07
Payment Received
Reconciled instantly

Reach every customer, on every channel

Smart, scheduled reminders go out automatically — no agent time required.

SMS
Instant text reminders with payment links.
WhatsApp
Rich, trackable, high-open-rate nudges.
Email
Formal statements and follow-ups.
Push Notifications
In-app alerts to drive on-time payment.

Total visibility over your portfolio

Track exactly what's due, what's collected, and what needs action — in real time.

Collections Overview
Payments Due
2,410
8.2% vs last month
Payments Collected
1,880
18.4% vs last month
Overdue Accounts
1,240
6.1% this week
Recovery Rate
92.3%
3.5% improvement
Collection Efficiency
88.7%
4.2% vs last month
Collection Trend
↑ Strong
On-time payments rising

Everything your collection team needs

Payment Tracking
Real-time status on every EMI.
Collection Reports
Exportable reports for every cohort.
Risk Alerts
Early warnings before accounts default.
Auto Reminders
Scheduled multi-channel outreach.
Collection Analytics
Trends, efficiency and forecasts.
Recovery Workflows
Automated escalation playbooks.

The numbers collection teams care about

70%
Fewer Manual Follow-ups
32%
Increase in Collections
90%
Faster Payment Recovery
40%
Lower Operational Costs

Wherever you collect recurring payments

Microfinance
Consumer Lending
BNPL
Retail Financing
Education Financing
Device Financing

EMI collection — answered

EMI collection software automates the tracking, reminding, and recovery of loan instalments. It identifies overdue accounts, sends reminders across channels, and gives your team real-time visibility into collections.

Yes. You can schedule pre-due, due-date and overdue reminders across SMS, WhatsApp, email and push — triggered automatically based on each account’s status.

Yes. WhatsApp is a first-class channel with rich, trackable messages and embedded payment links for higher open and conversion rates.

Absolutely. The dashboard surfaces overdue accounts, due amounts, recovery rate and collection efficiency in real time, with drill-downs by cohort.

Yes. LimaxPay integrates with popular payment gateways so customers can pay directly from a reminder, and payments reconcile automatically.

By combining automated multi-channel reminders, early risk alerts and recovery workflows, lenders typically cut manual follow-ups by ~70% and lift collections by ~32%.

Automate your EMI collections today.

Recover more, follow up less, and give your team total visibility over the loan book.