Consent gap
The PIN that pays ₹1 for a trial also approves every ₹599 that follows.
One clear question the day before the first real charge.
An AI teammate for UPI AutoPay
Pakka lives in the 24 hours before every AutoPay charge. It asks before the money moves, keeps the charges people want from failing, and brings in a person only when it matters.
Kal ₹599 PadhoAI ko jaayenge. Aapka jawab chahiye.
Kal ₹599 PadhoAI ko jaayenge
18 Oct ko aapne ₹1 ka trial liya tha. Uske baad PadhoAI app nahi khula.
Pakka AI se chalta hai. Aap jo chunenge, wahi hoga.
Results from the demo story, 26 Oct 8:55 PM to 29 Oct 6:00 AM. Computed from the event log, never typed in.
You pay ₹1 for a trial. The same PIN quietly approves ₹599 every month. About 2 crore mandates are revoked every month, and nobody owns the gap.
The PIN that pays ₹1 for a trial also approves every ₹599 that follows.
One clear question the day before the first real charge.
The bank SMS says Vidyakosh Learning Pvt Ltd. Nobody knows that is PadhoAI.
The brand shown next to the registered name, when verified.
Service in one app, mandate in another, money in the bank. Nobody owns the night before.
Pakka owns the 24 hours and acts across all three.
The model writes, tags and summarises. It never moves money. Every action passes one gateway, carries a rule ID, and lands in the flight recorder.
Pre-debit notices, failed charges and review spikes, as they happen.
A transparent risk score with named reasons, plus the merchant's own rules.
Ask the customer, skip via the merchant, refund, or book an off-peak retry.
Read the result back, tell the customer, record every step with a rule ID.
No charges 10 AM to 1 PM or 5 PM to 9:30 PM, per NPCI
One attempt plus three retries, never a fifth
Pause and cancel always need the customer's own PIN
Merchant offers sit beside Cancel, never in front of it
Open any of them on the same session. A tap in one shows up in the others.
Sunita, Rahul, Farhan, Anjali
The Doosri Haan sheet, the PIN step, retries and a verified callback.
OpenImran at PadhoAI
A private alert, one toggle, and a checkout that changes live.
OpenPriya on the trust team
Incidents, cases and a flight recorder that explains every step.
OpenJudges and the stage
The clock, the story steps and the numbers, all from the event log.
OpenYour own AutoPays, in your language
Sign in with a passkey and add the AutoPays you really have, typed or read from a bank SMS. Pakka runs on the real clock, writes each reminder live with Sarvam in any of 24 languages, reads it aloud, and asks for your passkey before a pause or cancel. Only the money is simulated.
Finance teams paying vendors
AI agents plan vendor payouts in rupees. Money leaves only with a signed receipt the treasury guard checks itself, so a phishing email or a hijacked agent cannot redirect a payment. Try the three-day simulation, or the live system with passkeys and your own agents over the API.
Scan on a phone on the same network. The phone joins this session, so Sunita's taps show up in the control room.