NACH / AutoPay Failure Tracker
Every bounced EMI in one board: why it failed, what was charged, who called the borrower and when it is being re-presented, so no bounce sits untouched.
QUICK ANSWERWhen a NACH or UPI AutoPay debit fails, record the reason (insufficient funds, account closed, mandate issue, payment stopped), contact the borrower the same day, collect by UPI link or re-present the mandate on an agreed date, and close the case only when funds are received. Track bounce rate = failed debits ÷ debits presented.
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Want this synced, automatic and collecting payments?
- Same workflow in a free FastFee account, on every device and for your whole team
- Automatic WhatsApp reminders before and after due dates
- Payment links, UPI and AutoPay with auto receipts and live “paid” status
What you get free in the NACH / AutoPay Failure Tracker
- ✅ Bounce reason
- ✅ Bounce charge recorded
- ✅ Pipeline from bounced to paid
- ✅ Re-presentation date
- ✅ Part payments
- ✅ WhatsApp reminder
How to use the NACH / AutoPay Failure Tracker
- STEP 1Add your business detailsEnter your business name and UPI ID once. They are used in every reminder and receipt.
- STEP 2Add bounced debitsAdd one at a time, paste a list from Excel or Google Sheets, or try the sample data first.
- STEP 3Track and updateRecord full or part payments; balance, status and ageing update instantly.
- STEP 4Remind and exportTap Remind to open WhatsApp with the message filled in. Export CSV or print anytime.
Frequently asked questions
What are the common NACH bounce reasons?
Insufficient balance is by far the most common. Others are account closed or frozen, mandate not registered or expired, payment stopped by the customer and signature or account detail mismatch.
How much can a lender charge for an EMI bounce?
As per the loan agreement. Under RBI’s 2024 penal charges rules, charges for default must be reasonable, disclosed in the Key Fact Statement and not capitalised into interest.
Is this tool free? Do I need to sign up?
Yes, it is completely free with no login and no limit on entries. Signing up for FastFee is optional. The free plan keeps your records synced across devices; automatic WhatsApp reminders, UPI AutoPay and team logins are on FastFee Premium.
Where is my data stored?
Only in your browser on this device (local storage). Nothing is uploaded to FastFee. Clearing browser data deletes it, so export a CSV or PDF backup regularly.
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