EMIDesk

What EMIDesk does

The schedule above a finalised bill: how many instalments, how often, and what each one is worth to the last paisa. An instalment is either collected through the patient’s own UPI autopay mandate — the same idempotent debit PayRails already takes, so a retry cannot charge twice — or attached to a payment the cashier took at the counter. A nightly sweep marks what is late from the database’s own date, and a plan whose missed instalments reach the hospital’s own threshold is defaulted.

How you actually use it

1. 1Agree the planThe bill id, the principal, how many instalments, monthly, fortnightly or weekly, and when the first falls due; a principal that does not divide into that many instalments is refused.
2. 2Attach a mandate, or do notCollect it automatically is optional and takes the patient’s own UPI autopay mandate id; without one, instalments are taken at the counter and attached to the payment, which the refusal says in those words.
3. 3Settle what the counter tookSettle asks for the payment id taken at the counter and attaches it; an instalment settles once, from one source, so a captured payment on another bill, a plan that is not running, or an instalment with a debit still at the processor is refused.
4. 4Or ask the mandateCollect asks the mandate for a debit named by this instalment’s own id; a debit still with the processor is refused rather than sent twice, and a declined one leaves both doors open — the counter can still take it, and asking again opens a fresh debit.
5. 5Waive, or cancel the planWaive asks why and works only on an unpaid instalment; Cancel asks why the plan is ending, and the tiles above count what is running, what is outstanding and what has defaulted.

What it does not do

It does not take money. There are exactly two ways an instalment is settled — a captured billing payment or a succeeded mandate debit — and the database refuses a paid amount with neither behind it, so there is no column to type a rupee into. Each instalment settles once, from one of those two, and one receipt settles one instalment: a second attempt against the same instalment, or last month’s receipt offered for this month’s, is turned down rather than quietly accepted, and nothing settles on a plan nobody has agreed. A declined autopay closes no door — the counter can take that instalment, and asking the mandate again opens a fresh debit instead of finding the declined one. It is not lending: no interest rate, penalty or grace period is computed anywhere in it, and it schedules nothing larger than the bill itself. It does not offer NBFC financing.

Questions clinics ask