Rent, on the first
The largest recurring bill most households have, and almost none of it is card‑eligible. Register the agreement once; every month after that is two taps.
Invoice‑backed bill payments
Every bill you owe.
Payable on the card
you already carry.
Veduka is a bill payment service. Give us the invoice, the rent agreement or the fee notice; pay the amount on your credit card; we discharge it directly with the landlord, vendor or institution that raised it — quoting their reference, the same working day.
Every payment sits on a document
Paid to your payee, never back to you
CREDIT
4921 0037 8814 2605
HOLDERA. RAGHAVAN
VALID09 / 30
Bill on file
RNT‑0925 · verified payee
Bill settled
Sundaram Estates
₹ 1,85,000 · ref RNT‑0925
Rent◆Vendor invoices◆Tuition & school fees◆Payroll registers◆Society maintenance◆Security deposits◆Freight bills◆
Rent◆Vendor invoices◆Tuition & school fees◆Payroll registers◆Society maintenance◆Security deposits◆Freight bills◆
Insurance premiums◆Statutory dues◆Raw material◆Contractor bills◆Warehouse lease◆Professional retainers◆Utility arrears◆
Insurance premiums◆Statutory dues◆Raw material◆Contractor bills◆Warehouse lease◆Professional retainers◆Utility arrears◆
The model
A credit limit is capital.
Most of your bills can't reach it.
Where the card stops
- 01Your landlord raises a rent invoice every month and has never owned a card machine.
- 02Your supplier quotes 45‑day credit, then wants the invoice cleared on delivery.
- 03The fee challan has a due date; the counter takes a cheque or nothing.
- 04A ₹12 lakh limit sits unused while a ₹40,000 overdraft accrues interest.
Where Veduka begins
- 01Upload the invoice once. We verify the payee and settle it in their account with the reference on it.
- 02The supplier is cleared on the day of delivery. You repay your issuer on your statement date.
- 03Challans, premiums and payroll clear on time, against the document that raised them.
- 04Idle limit becomes deployed working capital, and the spend finally earns its reward rate.
Mechanics
Four movements. One settled bill.
Nothing moves without a document behind it. Every payment runs the same path, in the same order.
-
I
Put the bill on file
Upload the invoice, rent agreement, fee notice or payroll register. We verify the payee's identity and account with a penny‑drop and match it to the document.
-
II
Pay on your card
Veduka charges the bill amount as a standard bill‑payment transaction through a regulated acquirer. Your issuer sees a categorised merchant charge.
-
III
We settle the payee
Veduka discharges the obligation directly with the landlord, vendor or institution, quoting their invoice reference, and returns the settlement UTR to you.
-
IV
Repay on your date
The bill is already closed on their books. You settle with your issuer on the statement date — up to 48 days later, at zero interest.
The ledger
Run it against a bill of your own.
Fee out, rewards back, days bought. The arithmetic is the whole argument.
Type of bill
Card reward rate
Days to your statement date
Your payee is settled for
₹1,85,000
Service fee 1.25%₹2,313
Reward value earned− ₹2,775
Net cost of settling the bill₹0
Interest-free float30 days
Equivalent borrowing cost avoided₹7,604
Indicative only. Fees vary by category, network and volume; reward value depends on your issuer's earn and redemption rates. Avoided cost benchmarked at 16% p.a.
Who it's for
Two kinds of people run out of cash
before they run out of credit.
Fees and admissions
School terms, university instalments, coaching, hostel deposits. Large, dated, non‑negotiable — and rarely payable by card at the counter.
Large one‑offs
A wedding vendor's invoice, a hospital estimate, a broker's commission. Spread the shock across a billing cycle instead of a savings account.
Reward yield
Spend that was invisible to your card now earns on it. On a ₹1L rent bill, a 1.5% card returns ₹1,500 a month you were previously leaving on the table.
Supplier terms, extended
Clear the invoice on day zero, settle with your issuer on day 45. You keep the early‑payment discount and the cash both.
Payroll continuity
Salary dates don't move because a client's remittance did. Bridge the mismatch against your own payroll register, on credit you already hold.
Payables in bulk
Upload a batch of invoices, approve once, and clear hundreds of registered payees with a line‑item reconciliation file back.
Clean books
A GST invoice for every fee, each settlement tied to the bill that authorised it, and API access to push the record straight into your ERP.
Boundaries
Just as important: what this isn't.
The model works because it is narrow. These limits are enforced in the product, not buried in a policy page.
Not a cash advance
No cash leaves the system. There is no wallet and no stored balance. Every rupee charged is applied to one identified bill and paid to the party that raised it.
Not peer‑to‑peer
Payees are landlords, registered vendors, institutions and employees on a payroll register — each onboarded against a document. Casual person‑to‑person transfers sit outside the product.
Not a route back to you
You cannot settle a bill payable to an account in your own name, or to an entity you control. It is blocked at onboarding and screened again on every instruction.
Not a lender
Veduka extends no credit and holds no float on your behalf. Your issuer lends, on their terms. We charge a service fee for settling the bill and invoice it with GST.
In your pocket
The bill, the card,
and forty seconds.
Registered payees and saved bills travel with you. Approve a settlement, pull the reference, forward it to your landlord — from the queue at the bank if you like.
- Biometric approval on every charge, not just at login
- A push the moment the payee is actually settled
- Recurring bills with a confirmation window before each run
- References and receipts stored offline, exportable as PDF
Custody & control
Every payment traces back
to the document behind it.
Funds move through a designated settlement account held with a scheduled commercial bank, segregated from operating capital, and every debit is reconciled against the bill that authorised it.
PCI‑DSS Level 1Card data is tokenised at capture. Nothing sensitive touches Veduka infrastructure at rest.
Document‑backed settlementEach payment is linked to the invoice, agreement or register that authorised it, retained for audit.
Verified payee registryPayees are onboarded with KYC and penny‑drop name matching before a first bill is settled.
Segregated accountA designated settlement account with daily reconciliation and an independent monthly attestation.
Maker‑checkerRole‑based approvals, IP allowlisting and an immutable audit trail on every instruction.
Reversal protocolA bill that cannot be settled is returned to the source card within one cycle. Never re‑routed.
Accepted networks
VISAMASTERCARDRUPAYAMERICAN EXPRESSDINERS CLUB
Presented as bill‑payment merchant transactions by our acquiring partners
Questions
Before you ask.
Is this a money transfer service?
No. Veduka settles a bill that you owe to somebody else. There has to be a document — an invoice, a rent agreement, a fee notice, a payroll register — and the payee is registered and verified against it. Funds go to that payee and nowhere else. There is no wallet, no stored balance, and no way to route money back to an account you hold.
Does my landlord or vendor need a Veduka account?
No. They need a bank account. We onboard them once as a payee, verify the account with a penny‑drop, and the settlement reaches them as an ordinary bank credit carrying your bill reference. Nothing to install, nothing to sign up for.
Will my issuer treat this as a cash advance?
No. Transactions are presented by a regulated acquirer under bill‑payment and business‑services merchant categories, so they carry your standard purchase rate, your interest‑free period and, in most programmes, your usual reward earn. Final classification always rests with your issuer; we publish how the major programmes treat each category so there are no surprises.
What do you need from me before the first payment?
The bill and the payee's account details. For rent, a copy of the agreement. For a supplier, the invoice. For payroll, the register. It is a one‑time step per payee — after that, repeat bills clear in a few taps and recurring ones can be scheduled.
How fast is the payee settled?
Most bills are cleared the same working day; the median is 21 hours. Instructions submitted before the banking cut‑off clear within the window. Every settlement carries a reference you can send straight to your payee.
What does it cost?
A single transparent percentage of the bill, shown before you confirm and invoiced with GST afterwards. It runs between 0.95% and 1.60% depending on category and network. No subscription, no setup fee, no minimum volume.
Is there a limit on how much I can settle?
Your issuer's available limit is the practical ceiling. Per‑bill and monthly caps are set at onboarding from your KYC tier and can be raised on review. Bills above ₹10 lakh are handled by a dedicated desk with an additional document check.
Can I schedule recurring bills?
Yes. Rent, retainers, lease instalments and payroll can repeat on a fixed date against the registered agreement, with a confirmation window before each charge so nothing leaves without your knowledge.
Your limit is already
approved capital.
Access is opened in cohorts. Tell us which bills you need to settle and we'll come back within one business day with your rate card and limits.
- Payee registration handled by our onboarding desk
- Dedicated settlement desk above ₹10 lakh a month
- API and bulk invoice upload available from day one