FinTech Services

Telegram bot for real-time bank suspense clearing, chat-based invoicing with dynamic QR, payment reminders, expense approvals, data conversion, and smart alerts — built by Chartered Accountants who understand compliance.

PJRJ & AssociatesChartered Accountants
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FinTech · Future Finance

Automate. Launch. Scale.Built by CAs who understand your books.

Telegram bank-suspense clearing, chat-based invoicing with dynamic QR, payment reminders, expense approvals, and data pipelines — intelligent systems that run while you lead.

PJRJ FinTech is not off-the-shelf software resale. We map your real workflows, then build or connect automation that your finance team, clients, and vendors actually use — with compliance and audit trails baked in.

Talk to FinTech team
Live monitor
PJRJ Automation HubRUNNING

Active pipeline

TGSuspense clear
INVChat invoice + QR
REMPayment reminder
SYNCData sync

Live activity

  • TGSuspense ₹18,450 clearedTelegram chat · ledger mappednow
  • INVInvoice #INV-2847 issuedChat flow · dynamic QR attacheddone
  • REMPayment reminder queuedWhatsApp · due in 3 daysdone
Automation hubAlways on

Your finance ops, running in the background

Telegram suspense clearing, chat invoices with QR, reminders, approvals, and data sync — scheduled, monitored, and running while your team focuses on decisions.

  • TGBank suspense botClear unmatched bank lines by chatting on Telegram
  • INVChat invoices + QRRaise GST invoices in chat with dynamic payment QR
  • REMPayment remindersPolite nudges before due dates, firm follow-ups after
  • SYNCData pipelinesBank files, spreadsheets & ERP kept in sync
Real-timeSuspense clear
100%Audit trail
ZeroYear-end pile-up
Mission

Why finance teams call us

Unresolved bank suspense before audit, invoice software that is overkill, and “we’ll send the invoice tomorrow” cost you time, cash flow, and credibility.

We sit at the intersection of Chartered Accountancy and automation engineering. That means every workflow we design respects GST trails, approval hierarchies, and the way Indian businesses actually operate.

Whether you need a Telegram bot that clears bank suspense in chat, invoices with dynamic QR raised from a conversation, or bots that nudge clients before due dates — we build it as one connected system, not a pile of disconnected tools.

Less manual. More momentum.

Live productsIn production

Automations we have already built

Two chat-first tools your finance team can use today — clear bank suspense in real time, and raise GST-ready invoices without expensive billing software.

TG01 · Bank reconciliationLive

Telegram bot for bank suspense clearing

Clear unresolved bank entries by chatting — in real time.

We built a Telegram bot that walks your team through suspense and unmatched bank-statement lines as they appear. Reply in plain language, map the entry to the right ledger, and close it before it piles up for year-end.

No unresolved bank entries hanging when income-tax return or audit season arrives — books stay clean throughout the year.

  • Real-time alerts when a bank line lands in suspense
  • Chat-based classification — party, ledger, GST/TDS tags
  • Audit trail of who cleared what, and when
  • Works alongside Tally / Excel bank imports

Use cases

5
  • 01
    Daily bank reconciliationCashiers and accountants clear UPI, NEFT, and cheque credits the same day via Telegram instead of waiting for month-end Excel marathons.
  • 02
    Income-tax return readinessSuspense ledgers stay near zero all year, so ITR working papers are not blocked by unidentified receipts or payments.
  • 03
    Statutory audit preparednessAuditors see a clean trail of cleared items with chat timestamps — fewer open queries on “sundry credit” and bank reconciliation differences.
  • 04
    Multi-location / multi-account opsBranch teams clear their own bank lines in chat; head office monitors open suspense without chasing WhatsApp screenshots.
  • 05
    CA practice client supportFirms push client bank suspense into the bot so clients reply from Telegram and books stay current between visits.
INV02 · Revenue automationLive

Chat-based invoicing with dynamic QR

Raise a GST-ready invoice by chatting — QR included.

Create invoices through a simple chat flow: party, items, tax, and amount. Each invoice carries a dynamic QR code so clients can pay instantly — no costly, complex billing suites required for day-to-day invoicing.

Faster billing for freelancers, traders, and SMEs — professional invoices with payment QR, without learning heavy software.

  • Conversational invoice creation (chat prompts → PDF)
  • Dynamic UPI / payment QR on every invoice
  • GSTIN, HSN/SAC, and tax breakup support
  • Share via WhatsApp, Telegram, or email in one tap

Use cases

5
  • 01
    On-the-go field billingSales teams raise invoices from a phone chat after a site visit — PDF with QR goes to the customer before they leave.
  • 02
    Freelancers & professionalsConsultants and designers skip expensive invoicing apps; chat once, send a branded invoice with pay-now QR.
  • 03
    Retail & wholesale countersCounter staff create tax invoices in seconds during rush hours without navigating complex ERP screens.
  • 04
    Recurring small-ticket billingTuition, maintenance, and service retainers — repeat last invoice in chat, refresh the QR, and collect faster.
  • 05
    Faster collectionsDynamic QR on the face of the invoice cuts “send me UPI details” loops and improves same-day realisation.
Capabilities

What we build for you

Connected modules — deploy one or wire them all into a single finance operating system.

01 · Digital presence

Website design for clients & startups

Launch-ready sites that look as sharp as your numbers.

Professional, mobile-first websites for your business or for clients you serve — crafted with clear CTAs, trust signals, and room to grow into portals and dashboards later.

  • Corporate & startup landing experiences
  • Service pages, contact flows, and lead capture
  • Brand-aligned UI with fast, responsive layouts
  • Optional integration with forms, CRM, or chat
02 · Bank reconciliation

Telegram suspense clearing

Unresolved bank entries cleared by chat, in real time.

Our Telegram bot surfaces suspense lines from the bank statement and lets your team clear them in conversation — so nothing is pending at ITR or audit time.

  • Live suspense alerts on Telegram
  • Chat-to-ledger mapping with audit trail
  • Year-round clean bank reconciliation
  • Ready for ITR working papers & audit queries
03 · Revenue automation

Chat invoicing + dynamic QR

Issue invoices by chatting — QR for instant payment.

No expensive billing software needed. Raise GST-ready invoices through a chat flow, attach a dynamic payment QR, and share the PDF in one step.

  • Chat-based invoice creation
  • Dynamic UPI / payment QR on PDF
  • GST lines, HSN/SAC & party masters
  • Share on WhatsApp, Telegram, or email
04 · Collections

Payment reminder engine

Chase receivables without chasing your team.

Automated payment reminders to clients — polite before due date, firm after — via email or WhatsApp, with escalation paths you control.

  • Due-date & overdue reminder sequences
  • Customer-wise ageing and follow-up logs
  • Multi-channel alerts (email, WhatsApp)
  • Management dashboard for outstanding dues
05 · Controls

Expense approval workflows

Every rupee approved through the right gate.

Employees submit expenses once; the system routes them to managers, finance, and CA review — with status tracking and audit-ready history.

  • Multi-level approval chains
  • Policy checks before sign-off
  • Receipt capture & categorisation
  • Export to accounting & reimbursement runs
06 · Integration

Data conversion & pipelines

Move data between formats without the midnight copy-paste.

Convert bank statements, vendor files, payroll exports, or legacy spreadsheets into the structure your ERP, GST tools, or MIS needs.

  • Excel ↔ accounting system conversions
  • Bank & payment file normalisation
  • Bulk import with validation rules
  • Scheduled sync jobs & error reports
07 · Coordination

Organisation-wide reminders

Internal nudges and partner alerts — exactly when needed.

Compliance deadlines, document requests, approval pending items, or vendor follow-ups — automated reminders inside your team or to external organisations.

  • Team reminders for filings & close tasks
  • Vendor / client document chase workflows
  • Custom triggers by date, amount, or status
  • Slack, email, or WhatsApp notification hooks
Pipeline

How automation runs end-to-end

Five connected stages — from first intake to live reporting, with every handoff logged.

01

Capture

Invoices, expenses, files, or web leads enter one intake layer.

02

Process

Rules, validations, and format conversion run automatically.

03

Approve

The right person signs off — with a full audit trail.

04

Notify

Clients, teams, or vendors get timely reminders.

05

Report

Live dashboards show cash, ageing, and bottlenecks.

Stack

Technology we orchestrate

We connect the platforms you already use — websites, accounting software, automation engines, and alerts — into one finance-ready stack led by practising CAs.

WEBExperience

Web & UX

Client-facing sites, forms, and landing systems that feed your ops.

  • Responsive sites
  • Forms & CTAs
  • Lead capture
ACCTLedger

Accounting

Books and spreadsheets your team and clients already rely on.

  • Tally Prime
  • Zoho Books
  • QuickBooks
  • Excel
AUTOEngine

Automation

Workflows, scripts, and integrations that run without manual handoffs.

  • Power Automate
  • Python
  • APIs
  • Webhooks
ALRTNotify

Alerts

Timely nudges to clients, teams, and vendors on the channels they use.

  • Telegram bots
  • WhatsApp Business
  • Email
BIInsight

Dashboards

Live views on cash, ageing, approvals, and bottlenecks.

  • Power BI
  • Looker Studio
  • Custom admin panels
GSTControls

Compliance

GST/TDS-aware logic and audit trails designed by Chartered Accountants.

  • GST validation
  • TDS rules
  • Audit logging

PJRJ orchestration layer — APIs, webhooks & scheduled jobs keep every layer in sync

Audience

Built for

From first-time founders to established CA practices — credible digital presence and lean finance ops without generic IT vendor noise.

  • STU
    Startups

    Startups needing a credible website plus lean finance ops from day one

  • SME
    SMEs

    SMEs clearing bank suspense via Telegram and invoicing by chat with QR

  • FIN
    Finance teams

    Finance teams drowning in expense approvals on email chains

  • DATA
    Data-heavy ops

    Firms that receive data in ten formats and need one clean pipeline

  • CA
    CA firms

    CA practices wanting white-label digital & automation for their clients

Engagement

How we work

Five clear phases — from mapping your stack to scaling automations as you grow.

  1. 01
    Scan

    We map your current tools, pain points, and volumes — no jargon deck required.

  2. 02
    Blueprint

    A clear plan: what to automate first, expected time saved, and controls kept.

  3. 03
    Build

    We configure, integrate, or develop — website, workflows, and reminders together.

  4. 04
    Launch

    Pilot with your team, refine, then go live with documentation and training.

  5. 05
    Orbit

    Ongoing tweaks, regulatory updates, and new automations as you scale.

Discovery channel open

Every FinTech engagement is led by Chartered Accountants — not generic IT vendors. Compliance, controls, and clarity come standard.

  • CA-led delivery
  • Compliance built-in
  • Scope you can audit
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