Every utility bill.
Paid. Tracked.
Reconciled.

You can connect your utility accounts directly through our secure platform or bulk upload invoices via email or API. In India, we're integrated with BBPS (Bharat Bill Payment System) covering 20,000+ billers including electricity boards (BESCOM, TATA Power, etc.), water departments, gas, and telecom. In the UAE, our AI-powered agents automatically parse DEWA (Dubai Electricity & Water Authority), ADDC (Abu Dhabi Distribution Company), SEWA (Sharjah Electricity & Water Authority), and free zone utilities across Dubai, Abu Dhabi, and Sharjah. Simply upload your bill PDFs or connect your provider accounts once—no more logging into 10 different portals every month.

Our system automatically retries failed payments within 24 hours using an alternate payment method (switching from UPI to bank transfer, for example). You'll receive instant SMS/WhatsApp alerts with the failure reason (insufficient funds, invalid biller details, etc.) and a direct action link to resolve it. For critical utilities like electricity, we flag payment failures for escalation to your finance team, ensuring you never miss a due date and incur penalties. Failed transactions are logged in your dashboard with the exact error code from the biller.

Yes. Configure payment rules to automatically pay bills 5-10 days before the due date (customizable per utility type). You can set different thresholds—for example: "Auto-pay all DEWA bills ≤5000 AED", "Auto-pay all electricity bills ≤500,000 INR", "Require approval for bills >this amount". Once configured, recurring utilities (electricity, water, gas, rent, telecom) are paid automatically without manual intervention. You maintain full control: pause, modify, or cancel rules anytime through the dashboard.

In India, we support payment through BBPS (Bharat Bill Payment System) with 20,000+ registered billers including: Electricity (BESCOM, TATA Power, MSEB, PSPCL, etc. across all states), Water (municipal corporations and water boards), Gas (city gas distributors like IGL, MGL), Telecom (Airtel, Jio, BSNL, Vodafone), Internet/WiFi, Municipal property tax, Education fees, Insurance premiums, and more. Our AI automatically detects new bills from your connected bank account—if the biller is in BBPS, payment is one click away.

We support all major UAE utilities with dedicated AI agents: DEWA (Dubai) - electricity, water, and waste water, ADDC (Abu Dhabi) - electricity and water, SEWA (Sharjah) - electricity, water, and wastewater. We also handle free zone utilities (RAKEZ, JAFZA, DMC, etc.), municipality charges, and rental payments across Dubai, Abu Dhabi, and Sharjah. We're continuously adding new billers—you can request biller addition through your account dashboard.

Payment processing time varies by biller: BBPS billers in India typically process within 30 minutes to 2 hours (T+0 to T+2). UAE utilities (DEWA, ADDC, SEWA) process instantly on working days before 2 PM, with next-working-day processing for after-hours payments. Important: Receipt is generated immediately after authorization, but biller confirmation may take 2-24 hours. Our dashboard shows real-time payment status (Authorized → Processing → Confirmed → Receipted).

Absolutely. Finigenie integrates seamlessly with Tally, Zoho Books, SAP, Oracle, and custom ERP systems via REST API, SDKs, and webhooks. Every utility payment is auto-categorized (Electricity, Water, Telecom, Rent, etc.) and synced bidirectionally to your GL—your accounting software stays in sync without manual entry. Reconciliation happens automatically: bill uploaded → payment made → receipt received → GL updated. Full audit trail with timestamps and payment reference numbers is maintained for compliance.

Finigenie is built for multi-property, multi-entity management. Create separate "Properties" or "Cost Centers" (e.g., "Dubai Office", "Mumbai Warehouse", "Abu Dhabi Factory") and assign bills to each. From a single unified dashboard, monitor utilities across unlimited properties: see which locations have overdue bills, which are consuming highest (cost optimization), and generate location-wise utility reports. Payments can be made individually or in bulk (pay all overdue bills across all properties with one click).

Yes, fully configurable alerts: Receive SMS/WhatsApp/Email notifications when bills are detected (within 24 hours of posting), 7 days before due date (customizable), 1 day before due date (critical), and immediately if payment fails. For critical utilities, you can escalate alerts to multiple stakeholders (CFO, finance manager, property manager). Snooze or customize alerts per property or biller type. Dashboard shows color-coded status: Green (Paid), Yellow (Due in <7 days), Red (Overdue or Payment Failed).

Yes. Depending on your payment method and biller, you can earn treasury-grade rewards: Cashback on credit/debit card payments (0.5-2% depending on card issuer), Loyalty points convertible to statement credits, Partner rewards through our network (e.g., fuel discounts for certain payments). Total rewards appear in your annual utility payment report—helping offset operational costs. Rewards vary by corridor, biller, and payment method, so check your dashboard for specific earning rates per utility.

Multiple payment rails are supported: UPI (India), NEFT/IMPS (India), Debit/Credit Cards (Visa, Mastercard, RuPay in India; Visa, Mastercard, Amex in UAE), Bank Transfers (direct account-to-account), Digital Wallets (Google Pay, Apple Pay, PayTM, PhonePe in India; Apple Pay in UAE), and Bank Credits (if using Finigenie Corporate Cards for payment). The system intelligently routes payments based on fastest settlement time and lowest fees for each utility type.

Bank-grade security across all layers: Data encrypted end-to-end using AES-256 encryption, with role-based access control (only authorized users can see/pay specific utilities). All bill PDFs, payment details, and banking credentials are stored in encrypted vaults with zero-knowledge architecture (even Finigenie staff can't see your raw data). Compliance with RBI data protection rules (India) and CBUAE regulations (UAE). Full audit logs capture every action: who accessed what, when, and from where. Annual SOC 2 Type II compliance certification ensures enterprise-grade security.

Yes. Export features include: Individual bill PDF download (original biller format), Payment receipts with reference numbers and tax details (GST-compliant in India), Monthly or quarterly utility expense reports (categorized by type and location), Year-end summary for annual accounts and tax filing, Bulk export of all bills/receipts for a date range (CSV, PDF, Excel formats). All reports are audit-ready and include timestamps, payment methods, and reconciliation status.

You can still upload bills manually via PDF or email invoice to our secure inbox (bills@finigenie.com), and we'll process payment manually on your behalf while we work on adding that biller to our platform. Request the biller addition through your account dashboard—popular requests move up our roadmap. Alternatively, set a reminder in your calendar and we'll flag the bill due date through your preferred alert channel (SMS/WhatsApp/Email).

Typical savings: Time: Finance teams save 8-12 hours/month (no more logging into multiple portals, manual bill tracking, or reconciliation). Cost: 2-3% savings on overall utility spend through automatic early payment to capture discounts + no late payment penalties (₹500-5000 per late payment in India, AED 100-500 in UAE). For a business with ₹50 lakhs/month utility spend (India) or AED 200K/month (UAE), annual savings = ₹1.2-1.8 lakh or AED 24-36K. Plus: Improved cash flow visibility and zero missed payments impacting credit rating.