Payments that close themselves.
Ledger sends the right fee link to the right student at the right moment, with the EMI plan that actually fits, and then chases the drop-offs without sounding like a debt collector.
Every fee, every state, in one ledger.
| Student | Programme | Fee | State | Status |
|---|---|---|---|---|
| Aanya Sharma | JAIN MBA Analytics | ₹1.49L | 12-mo EMI · captured | captured |
| Karthik Reddy | Yenepoya BCA | ₹66K | single payment · captured | captured |
| Priya Menon | Sharda MBA Online | ₹1.96L | link sent · awaiting | pending |
| Rohan Iyer | Vignan MCA | ₹1.08L | abandoned at gateway · nudge 1/3 sent | chased |
| Meera Joshi | ACU MBA HR | ₹1.20L | recovered after EMI explainer | recovered |
- 10:02 · payment page opened, abandoned at EMI step
- 10:32 · WhatsApp nudge: “hit a snag with the EMI?”
- 10:35 · Rohan replies: “5-yr too expensive”
- 10:35 · 3-yr option offered at lower monthly
- 10:41 · captured · 3-yr EMI confirmed
- 142 payment intents created
- 112 captured at Razorpay
- 8 recovered after drop-off
- 22 nudges in flight
- 0 mismatches against AMS
A finance desk in one agent.
- 01
Payment links + EMI options
Sends the right fee link with the EMI plan that fits the student’s history: programme, programme length, and stated budget.
- 02
Drop-off recovery
Detects gateway abandonment in real time, opens a WhatsApp conversation, finds out why, and offers the option that closes the gap.
- 03
Multi-gateway reconciliation
Razorpay, Stripe, Cashfree, bank transfers. Ledger reconciles every paise to one ledger that matches your AMS row by row.
- 04
Refund + dispute handling
Handles cancellations, partial refunds, and chargebacks without breaking your books.
- 05
Cohort-aware
Knows which fee window each student belongs to. No mis-applied late fees, no missed early-bird discounts.
- 06
Tone, not pressure
Drops the debt-collector posture. Reads as a concerned operator, not a threatening creditor. Tested across 80+ recovery scenarios.
Plugs into your money stack.
Ledger talks to the gateways you already use, posts every captured rupee to the accounting tool your finance team already runs, and writes status back to the admissions system in real time. No new books to keep.
Recover the fees you’re losing today.
Most universities lose 14–22% of admitted students at the fee step. Ledger’s early-access partners run a parallel pilot on one cohort and measure the lift directly.