DSAs, business correspondents, retail partners and franchise agents each bring you business and each expect to be paid correctly and on time. We build the system that onboards them, tracks what they earn, and settles it without your finance team reconciling by hand every month.
Every module reads the same agent profile, so a commission dispute has one answer rather than three.
Agent applies from a phone, uploads documents, completes PAN and Aadhaar verification and signs the agreement digitally. Approval workflow with your regional and compliance checks built in, and document expiry alerts so nobody trades on a lapsed certificate.
Master distributors, regional heads, sub-agents and retailers mapped in a tree that reflects how you actually operate. Territory rules decide who gets which lead, and reporting rolls up the chain automatically.
Slab-based, flat, product-specific or volume-tiered payouts, with clawback rules when a loan goes bad inside the retention window. Rates are versioned with effective dates, so a payout query from last quarter has a defensible answer.
Prepaid balance for agents who transact on your behalf, with top-up through UPI or net banking, exposure limits per tier, and automatic blocking when the float runs out. Every debit and credit posts to a ledger, not a counter.
Payout runs on your cycle with TDS and GST handled, bank files generated, and a statement each agent can download. Failed transfers queue for retry rather than disappearing into an email thread.
An agent app showing earnings, pipeline, wallet balance and leaderboard position. Regional heads see conversion, drop-off and inactive agents — the ones quietly costing you onboarding spend without producing.
Agent networks rarely fail loudly. They bleed quietly through these four gaps until someone runs the numbers.
One person owns the payout sheet. Formulas drift, slabs get applied to the wrong month, and disputes are settled by whoever argues hardest. An engine with versioned rates removes both the error and the argument.
Auditable every cycleYou onboarded four thousand; eleven hundred have not submitted anything in six months. Each carries compliance and document-renewal overhead. Without activity reporting, nobody notices until a regulator asks how many active agents you actually have.
Activity visible by tierAn agent's certification expired eight months ago and they are still sourcing business. That is a compliance exposure sitting in a folder nobody opens. Automated expiry tracking blocks the agent before the auditor finds them.
Blocked automaticallyWhen settlement is manual, month-end takes a week and agents chase your ops team. Good agents route their best leads to whoever pays fastest. Automated cycles are a retention tool, not just an efficiency one.
Paid on the cycle, every cycleThe engine is the same; the rules, hierarchy and settlement cycles differ by model.
Describe your model| Network | What they do | Typical payout |
|---|---|---|
| DSA / loan agents | Source loan applications, collect documents, hand off to your credit team. | Percentage of disbursed amount, with clawback on early default. |
| Business correspondents | Deliver banking services in areas without branches — deposits, withdrawals, account opening. | Per-transaction fee plus monthly fixed, settled against wallet float. |
| Retail & BBPS agents | Bill payments, recharges and money transfer from a shop counter. | Commission per transaction, credited to wallet in near real time. |
| Insurance & investment | Sell policies or products under your licence, often as sub-agents of a master distributor. | First-year and trail commission, split across the hierarchy. |
Twelve to twenty weeks depending on how many payout models you run and whether the agent app is included. Commission rules are usually the long pole — most clients discover during discovery that their written policy and their actual practice have drifted apart, and reconciling the two takes a few weeks of your team's time, not ours.
Yes. Agent records, hierarchy, historical payouts and open balances migrate with reconciliation reports at each stage. Where documents are missing or expired, the system flags them for re-collection rather than silently onboarding a non-compliant agent — which is often the first time clients see the true size of their compliance gap.
The hierarchy, commission and wallet engines are jurisdiction-neutral. What changes is KYC, tax handling and payout rails. We have built distribution networks for UK and Singapore clients where the equivalent structures are broker or introducer networks rather than DSAs.
The agent app is built to run on 3GB-RAM Android handsets two versions behind, with offline capture for areas with poor signal. For agents who will not install an app, there is a lightweight web view and SMS notifications for payouts and expiry alerts.
Forty-five minutes with an architect. Show us how payouts work today and how many agents are on the books. You will leave with a rough scope and a budget band.