Realtime
IT & Digital Marketing

How It Works — Payments & Credits (Simple)

A clear, auditable flow demonstrating purchase → invoice → credit → usage → reconciliation.

1. Purchase

Customer pays via UPI Intent / QR / Card on the payment page. Payment gateway sends a webhook to our server.

2. Verify

Our webhook verifies signature (HMAC) or token, then confirms payment success by consulting the gateway API if necessary.

3. Invoice & Credit

On verified success, system creates Invoice (PDF), stores raw webhook JSON, credits the user's platform balance and logs the action with operator ID.

4. Reconciliation

Exportable CSV includes OrderID, InvoiceNo, UPI_TxnID, Amount, Time, DeliveryStatus and RefundStatus. Refunds produce a Refund Invoice & UTR which is stored.

Dispute & Refund SOP (Bank-friendly)

  1. Log complaint (Ticket ID) and request transaction details from complainant (Order ID / UPI TxnID).
  2. Verify webhook & gateway receipt within 24 hours.
  3. If delivery failure or technical error: issue refund (generate refund-invoice + UTR) within 72 hours.
  4. If dispute is user-preference based: offer credit-adjustment or partial settlement and record settlement agreement.
  5. All actions logged in admin with operator ID & timestamp (audit trail provided to bank on request).