Conditional Pay - If. Then. Payments - Part payments Simplified
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Sellers gets paid automatically, once the proof of delivery is approved, without follow up.
Buyers gets performance guarantee and pays only when milestone is completed and proof is approved.
Conditional Pay triggers B2B payments automatically once milestone proof (dispatch, delivery, QC) is submitted and approved. It works on eNACH rails. Built for Indian MSME trade.
Charges @ 0.3% per transaction = 7 days of Delay.
Replies
The problem
Businesses face a cash flow crunch on both sides: buyers on money going out, sellers on money coming in.
Lending is expensive, temporary relief. It doesn't fix the cause.
The cause is that payments aren't tied to a clear condition and date, so both sides wait, guess and chase.
What we built
Conditional Pay: a joint transaction system, used by buyer and seller on the same record.
Every contract is broken into milestones, one or many.
Payment follows "IF, THEN": if the milestone is met and approved, then the payment is scheduled.
How it works
Buyer and seller sign a contract with milestones.
The buyer authorises an eNACH mandate. It's a commitment to pay, not a block. Funds stay in the buyer's account.
The seller delivers and uploads proof.
The buyer reviews and approves.
Payment is auto-debited on the agreed schedule.
What the buyer gets
Payment in tranches against proof, instead of one large outflow.
Control over what gets approved.
A basis to ask for better rates in return for committed payment.
Fewer manual payment requests and follow-up calls.
What the seller gets
A committed, predictable payment schedule backed by an eNACH mandate, beyond a verbal promise.
No need to chase.
Their customer stays, because credit isn't taken away. It moves to a committed structure.
What both get
One source of truth: contract, proof and approvals in one record.
Easier reconciliation and audit, because the system is the evidence.
A tool that enforces what both sides agreed, instead of a reminder.
Outgoing and incoming
Outgoing: milestone payments make outflows plannable.
Incoming: committed collections make inflows predictable.
Together, you get a better grip on cash flow and a shorter cash cycle.
Closing line
"Cash flow is a two-sided problem, so the fix has to work for both sides. Fair work deserves fair pay, on time."