Payout policies that change every month. A system that keeps up.
PayPrompt runs incentive and payout policy for field teams, agencies, dealers and DSAs. Business teams change the rules without code. Simulation before rollout. Every calculation audit-ready.
You know this month-end.
Policy changes wait in a queue
Risk moves, the market moves, and the new payout policy sits behind ops and IT tickets while the month closes on the old one.
Dealers and agencies get paid late
Late or disputed payouts do not read as an ops problem to a dealer. They read as a reason to route the next file to whoever pays faster.
Every cycle ends in queries
The payout lands and the questions start. Nobody can answer them from the spreadsheet, because the spreadsheet is the problem.
None of this is a calculation problem. It is a change problem. Excel breaks where policy changes monthly, fragments by dealer, and runs at volume.
One engine, five layers.
PayPrompt enters at the payout, the highest-risk variable-pay workflow a lender runs. The same policy engine then powers the performance layer on top.
Connect
Every payout input in one place: CRM, LMS, APIs, data lakes, SFTP and Excel, with custom variables built without code.
Design
Business teams write and ship payout policy in a no-code builder: dealer-level grids, penalties, clawbacks, capping and boosters. No IT queue.
Govern
Every payout approved on your delegation of authority: maker-checker chains, hold and unhold to invoice level, ERP push.
Optimize
Simulate a proposed policy on real historical data before rollout: who earns more, who earns less, and what it costs, per payee.
Communicate
Every payee sees target versus actual and earnings as they accrue, with nudges over WhatsApp, email and SMS, and contests with leaderboards.
Cut the month-end scramble, and the queries that follow.
PayPrompt turns fragmented payout policy into one governed engine. Business teams change the rules, test them on real data, and pay on time, with the trail intact.
Change policy without code
Business teams model and ship new payout rules in days, not behind an IT queue.
Simulate before you roll out
Run a policy on real historical data and see who earns more, who earns less, and what it costs, per payee.
Pay on time, every cycle
Payout TAT down from up to T+25 days to T+4, with same-day agency invoices.
Answer every query from the record
Each line item keeps its inputs, policy version and approver, so a dispute gets an answer, not a reconstruction.
Approve on your own authority
Maker-checker chains match your delegation of authority, with holds at transaction and invoice level.
Move the field, not just pay it
The same engine shows live targets and standings, and runs nudges and contests off the payout math.
The numbers, from live deployments.
An ISO 27001 and SOC 2 compliant company.
Payout data is money data. Osian operates under both standards, and PayPrompt adds its own controls on top: maker-checker approvals, version-controlled policy, immutable calculation trails.
The company behind the platform.
PayPrompt is built by Osian, a Mumbai engineering company that has shipped enterprise systems for eleven years: Tata Capital, Edelweiss, Sony, Unilever, DSP. Bootstrapped, profitable, and still run by the people who write the architecture.
The CMS migration, powered by Osian's expertise and ability to design, develop, and deploy, has been crucial in helping us achieve our goals. Osian's technological expertise has helped us deploy on the AWS cloud infrastructure, leveraging best practices and security. Their familiarity with various AWS services was instrumental in saving us on costs without a compromise on performance. I am happy to see continued improvements and feature enhancements in the system, and we look forward to a favourable partnership with Osian.
Osian’s innate capabilities in handling multifaceted mobile applications is second to none. They were tasked with developing our complex Corporate Loan Service App in a very short time frame on Flutter – a new mobile development platform. They were able to deliver on time and ensured that our customers' journey was seamless.
Osian was the perfect recipe for building an innovative product such as ours which required the right team and leadership. Sagar, spearheading his team, with the in-depth knowledge of product development combined with his experience, the provided solution has helped us immensely to create and launch a brilliant product in the market. His biggest strength is his honesty which always adheres to the timeline and cost.
These guys have been amazing with Innovative ideas, full of options and choices, Creative & Knowledgeable. Keep up the good work. It’s been a pleasure working with the team. Will definitely come back with more work. Just keep your mind ticking with new Ideas. Cheers!!
Our partnership with Osian has enabled Scant Evidence to serve its customers and allow their IoT hardware connected to the cloud and controllable by the web and mobile apps in an easy and simple manner, enabling us to provide features and capabilities that our customers demand which helps us expand our business.
Built for operational complexity, page by page.
Collections payouts
Agency commissions, bucket-wise incentives and resolution-linked payouts, reconciled today in spreadsheets nobody can audit.
Go deeperDealer & channel payouts
Every dealer on their own deal, and the next file routed to whichever lender pays correctly and fastest.
Go deeperSales incentives
Slabs, accelerators and contests across RMs, branch teams and DSAs, changed mid-month and settled without a reconstruction project.
Go deeperNBFCs
Sales and collections on one governed engine, live at Tata Capital scale.
Go deeperBanking
DSAs, branch teams and referral channels, with maker-checker and approval chains as hard requirements.
Go deeperInsurance
Multi-tier hierarchies, trailing commissions, clawbacks on lapse, and contests as the operating rhythm.
Go deeperQuestions we get asked.
What PayPrompt is, how it sits under Osian, and how it runs incentive and payout policy for lending and distribution teams.
What is PayPrompt?
PayPrompt is performance-linked payout infrastructure, built by Osian, a Mumbai enterprise software company founded in 2015. It runs performance payouts for agencies, dealers, DSAs, field teams, and partner networks, and is in production at Tata Capital across sales and collections payouts.
What is the relationship between Osian and PayPrompt?
Osian is the parent company and PayPrompt is its product. Osian is a Mumbai enterprise software company founded in 2015, bootstrapped and profitable, that has shipped systems for Tata Capital, Edelweiss, Sony, Unilever and DSP. PayPrompt is the payout platform Osian builds and runs.
Who is PayPrompt for?
PayPrompt is for anyone who runs performance-driven variable pay: field teams, agencies, dealers, DSAs, channel partners, direct-selling and collections teams, and employees on incentive plans. It fits where people and data volumes are high, payout structures are complex across industries and geographies, cycles run daily, weekly or ad hoc, and the priority is automation, auditability and performance.
How does PayPrompt automate incentive and payout calculation?
PayPrompt ingests disbursal, resolution, sales and hierarchy data from your LOS, LMS, CRM and HRMS, then runs your payout policy against it automatically. Custom variables, slabs, clawbacks and boosters are modeled once and applied every cycle, so a month-end that took spreadsheets and scripts runs on one engine.
Can I simulate a payout policy change before rolling it out?
Yes. PayPrompt runs a proposed policy against real historical data and shows the impact before rollout: who earns more, who earns less, and what the total payout costs, per payee. You roll out when the numbers support it, not when the cycle forces you.
What systems does PayPrompt connect to?
PayPrompt connects to the systems you already run: LOS, LMS, CRM and HRMS for source data, plus files like CSV, Excel and JSON, and databases when a direct read is cleaner. It pushes approved payouts into your ERP, and the ingestion layer handles a messy extract rather than treating it as a blocker.
How long does it take to deploy PayPrompt?
A working POC on your own policy and data typically runs in 5 to 10 days. A full go-live usually takes 4 to 6 weeks, depending on how many policies and source systems are in scope. You start with one policy, prove it, then expand.
Is PayPrompt secure and audit-ready?
PayPrompt is built by Osian, an ISO 27001 and SOC 2 compliant company. Every payout moves through maker-checker approval, policy is version-controlled, and each calculation keeps its inputs, formula and approver. Records are structured for internal and regulatory review, exportable per payee, per cycle, per rule.
Tell us what your payout process looks like.
If we're a fit, the next step is a working POC on your own policy within 10 days.
- CalculatedFrom your policy, on your data
- Maker-checkerApproved on your delegation of authority
- PaidAudit trail intact, per line item