Directly Integrated with RBI-regulated Escrow Nodes

Secure Your Business Payments with 100% Protection

PayShieldX acts as a secure, neutral gateway between B2B buyers and suppliers in India. We hold payments in trusted escrow accounts, resolving disputes and ensuring money only moves when goods are delivered.

SSL Secured
Verified Suppliers
Escrow Protection
payshieldx.in/dashboard/escrow-tracker
Order Reference: #ORD-90214
Total Amount: ₹4,50,000 INR
Supplier Status: Shipped
Escrow Status: Locked & Secured
Payment Locked
Buyer Approval
Double-approval state locks invoice parameters.

How PayShieldX Protects Your Business

A simple 4-step dual-approval system protecting B2B buyers and suppliers from trade disputes and defaults.

1

Create & Agree

Buyer or Supplier drafts a Payment Confirmation Proposal with specific terms, timelines, and amounts.

2

Double Approval

Both parties approve the proposal terms. Once confirmed, payment parameters lock to prevent changes.

3

Pay & Lock

Buyer completes payment. Funds are locked securely in a dedicated RBI-compliant escrow account.

4

Deliver & Release

Supplier ships the goods. Upon buyer verification, funds are instantly released to the supplier.

Fintech Features Engineered for Trust

Maximize cash flow security, eliminate bad debts, and source safely across India with our B2B escrow plan.

Escrow Payment System

Secure banking integrations hold buyer funds safely, ensuring suppliers only start production when money is verified.

Fraud Protection

Shields wholesalers and exporters from fly-by-night operators. Transactions require verified business registrations.

Dispute Resolution

In-built dispute system handles delivery lags or quality disputes via neutral mediators with legal binding.

Verified Suppliers

Access a network of GST-verified, rating-approved manufacturers, exporters, and traders in India.

Easy Refunds

If terms are violated or delivery fails, clear contract clauses ensure buyers get standard refunds smoothly.

Integration Ready

Developer-friendly APIs. Integrate escrow triggers directly into custom B2B portals or standard Razorpay hooks.

Payment Proposal & Escrow Sandbox

Test the dual-approval proposal system! Create a proposal as a Supplier, switch roles to Buyer to approve, verify logs, and simulate a payment lock.

Loading secure sandbox...

Transparent Pricing Plans

No hidden charges. Simple, fixed monthly pricing for suppliers and a flat annual fee for buyers. No discounts, no fine print.

B2B Buyer Protection Plan

B2B Supplier Protection Plans

Growth Plan

For small wholesalers & local manufacturers looking to build trust.

599 / month
  • Up to 20 transactions / month
  • Verified Supplier Trust Badge
  • Dual approval system access
  • Dedicated arbitration support
Get Growth Plan

Enterprise Plan

For high-volume manufacturers and export houses in India.

2499 / month
  • Up to 100 transactions / month
  • Verified Supplier Trust Badge
  • Custom API Integrations
  • 24/7 dedicated legal arbiters
Get Enterprise Plan

Transaction Fee Estimator

Effective protection cost: 0.30% of turnover

Trusted by Indian Businesses

See how manufacturers, wholesalers, and SMEs secure their supply chain using PayShieldX.

"We used to face massive payment collection delays from out-of-state buyers. By routing orders through PayShieldX proposals, we guarantee our payment locks before shipping. Absolute game changer for exporters."

AR

Amit Rawat

Owner, Rawat Handlooms (Panipat)

"Sourcing machine parts from unfamiliar vendors in Gujarat was always risky. With this Payment Protection Plan, we pay the amount, it stays in escrow, and only releases once the custom testing reports are uploaded."

VM

Vikas Mishra

Procurement Head, Mishra Tech (Indore)

"The dual-approval feature in the proposals is highly secure. Once we agree on details like partial advances and shipping dates, the contract becomes unchangeable. Prevents verbal disputes completely."

KG

Karan Gupta

MD, Gupta Agro Traders (Delhi)

Frequently Asked Questions

Everything you need to know about transactional safety, refunds, and B2B dispute overrides.

Is PayShieldX an RBI approved entity?
Yes, all funds processed through PayShieldX are locked and routed via Nodal escrow bank accounts monitored under Reserve Bank of India (RBI) guidelines. PayShieldX never directly accesses or keeps interest on your transaction money.
What happens if the buyer refuses to release payments after delivery?
If the supplier uploads proof of delivery (e.g., Lorry Receipt, Bill of Lading, Geotagged goods handover) and the buyer goes unresponsive or refuses to release funds without valid cause, the supplier can raise a formal dispute. Our legal arbiters review the records and can execute an admin override to release funds within 7 days.
Can we request edits to a proposal after it has been confirmed?
No. Once both parties click "Approve" and the proposal reaches "Confirmed" status, the proposal parameters lock automatically. This is to protect the integrity of the deal during the payment cycle. If changes are strictly required, the current proposal must be rejected or cancelled by mutual consent and a new one created.
What are the refund terms for B2B transactions?
If a supplier fails to ship within the agreed delivery timeline, the buyer can request a refund. If the supplier does not object or upload a valid shipment proof within 48 hours, the funds are automatically refunded back to the buyer's source payment bank account.

Latest from the PayShieldX Knowledge Hub

Insights, guides, and compliance articles to protect your business transactions in India.

June 4, 2026 Trade Legal

Avoiding B2B Trade Fraud: A Guide for Exporters

Exporters in India lose crores annually due to payment defaults. Discover key strategies to secure international and interstate shipments.

May 28, 2026 FinSec Team

How Escrow Accounts Standardize Business Payments

Escrow is no longer just for real estate. Learn how tech integrations are using nodal escrow to make micro-purchases secure for SMEs.

May 15, 2026 SME Advisor

Resolving Quality Disputes Without Going to Court

Disputes regarding product specifications are common in wholesale manufacturing. Learn how to draft bulletproof dual-approval proposals.

Building Trust in India's B2B Trade Ecosystem

At PayShieldX, our goal is simple: to make B2B transactions completely secure and transparent. We recognize that trust deficits slow down economic expansion for MSMEs, suppliers, and distributors.

By leveraging state-of-the-art fintech integrations and RBI-regulated nodal banking channels, we ensure that buyers don't lose money on bad deliveries, and suppliers are guaranteed timely collections on successful handovers.

Our Mission

Eradicate trade credit risk and payment delays for 10 Lakh MSMEs and SME wholesalers in India.

Our Vision

Become the standard payment confirmation layer powering B2B marketplaces across South Asia.

Security is Our DNA

Every PayShieldX node operates on PCI-DSS compliance systems, secured using 256-bit encryption.

Connect with Support

Have questions about plans, active disputes, or custom api setups? Reach out through our secure channels.

Call Support

+91 80 4709 2041 (Mon-Sat, 9AM-7PM)

Email Security Desk

support@payshieldx.in

Instantly Chat on WhatsApp

Get real-time proposal update alerts on your WhatsApp number.

Submit a Ticket

Our compliance desk answers within 2 business hours.

Razorpay Secure Checkout
Escrow Lock Amount ₹0.00
Select Payment Mode
BHIM UPI / GPAY / PhonePe

Instant UPI redirection

Net Banking (ICICI, HDFC, SBI)

Secure B2B corporate banking

Corporate Credit/Debit Card

Visa, MasterCard, RuPay

Secured with 256-bit PCI-DSS banking encryption.

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