Structured Agreements
Amount, terms, and repayment schedule laid out clearly — and only on record once both people accept them.
Features
Every feature exists to prove what was agreed.
Informal money agreements break down when memory becomes the only record. ePatto turns a handshake into a verified, tamper-proof account both sides can trust — live proof, exact context, and a balance that always adds up.
Core
Free for everyone
Everything you need to record an agreement, prove it, and settle it fairly — free to start, no card required.
Live Photo Proof
Capture proof with the camera in the moment — gallery uploads are blocked, so every photo is real and live.
GPS + Verified Timestamp
Each record is stamped with precise location and a server-verified time you can’t backdate or fake.
Device Fingerprinting
Every record is tied to a recognised device and account, so no one can impersonate either party.
Tamper-Proof Timeline
Every action is logged in an audit trail both sides can see — and no one can quietly edit after the fact.
Partial Payment Tracking
Log repayments as they happen and watch the running balance update — no spreadsheets, no guesswork.
Two-Way Settlement
A deal only closes when both people confirm it’s settled — a mutual handshake, not one person’s word.
Smart Reminders
Gentle, automatic nudges on the agreed dates — so you never have to send the awkward follow-up yourself.
Premium
Advanced trust tools
For bigger agreements and records you may need to stand behind in writing.
Interest CalculatorPro
Work out interest the way your region does — APR or the Indian ₹-per-100-per-month convention, in simple, compound, or flat mode.
PDF ExportPro
Export any deal as a clean PDF — full terms, proof photos, and timeline — ready to share or keep for legal use.
Identity Verification (KYC)Pro
Verify who you are with document-based KYC, so the other party knows exactly who they’re agreeing with.
Something magic is coming
We're building powerful new trust tools — witness verification, trust scores, guarantor support, and more. Stay tuned.
Coming SoonGrowth
Rewards & Subscription
Referral Rewards
Invite people you trust and earn free Premium days — a reward for helping more agreements get put on record.
Premium Subscription
Your first 3 deals are free. When you need more, unlock everything with a monthly or yearly plan — priced for your region, shown in the app.