Take UPI and card payments

The till records how you were paid; your bank moves the money

This is the single most useful thing to know about payments here, and it is true of every method except an online link with a payment provider connected. When you settle a bill as UPI or as card, the till writes down that the bill was paid that way. It does not talk to your bank, your UPI app or your card machine, and it never hears back from any of them.

That is why the settle screen trusts you. You look at the customer's phone or at the card machine, see that the payment went through, and then record it. Nothing about the bill is provisional afterwards — the sale is closed, the bill number is taken, and the money is your bank's business from that point.

Set your UPI ID once

Open the business profile in the back office. At the bottom, under the payments section, there are two fields:

• UPI ID (VPA) — the handle money should reach. This is the one the till builds every QR from.
• Payee name — what the customer sees in their UPI app when they scan. Leave it blank and your legal business name is used.

Until that first field has something in it, choosing UPI at settle shows a short line asking you to add it instead of a QR. That is the honest answer: there is nothing to encode.

Paying by UPI at the counter

1. Ring the order and open the settle screen.
2. Choose UPI. A QR appears with the exact amount still owed already inside it — the customer does not type an amount and cannot mistype one.
3. They scan and pay. Their app confirms it, not us.
4. Record the tender and settle.

The QR is regenerated whenever the amount changes, so adding an item or a tip mid-settle gives you a fresh, correct code rather than a stale one. It also carries the bill reference as the transaction note, which is what makes a bank statement readable a month later.

If the QR does not draw at all, the screen falls back to a line of text and the payment still works — read your UPI ID to the customer and have them pay you by handle.

Paying by card

Card is a tender button, nothing more. There is no card machine wired to the till today: you swipe or tap on your bank's own machine, wait for its approval slip, and then press Card here to record it.

The same is true of Cash, and of Credit — which puts the amount on a customer's running account and therefore refuses to go through until a customer is attached to the bill. Gift card only appears when that feature is switched on for your account, and it can never over-pay a bill, so it never produces change.

Splitting a bill across methods

Add one tender, then another. The screen keeps showing what is still owed until it reaches zero, and shows change due if a cash tender goes over. A tip can be attributed to a method of its own, which is what lets the day-end report separate the tips sitting in your drawer from the ones your bank will pay out later.

It's paid is a shortcut, not a fourth method: it settles the whole bill as one cash tender and marks it as having skipped the split. Use it when the money is already in hand and counting it out on screen is wasted time.

Taking a payment with no order behind it

The Virtual Terminal takes an amount, a method and a note, and produces a real bill with a real number from a register of its own — so an advance, a catering deposit or a repaired-tiffin charge lands in your sales rather than in a notebook. The amount you type is the final total including GST; the tax is worked backwards out of it.

Where a payment provider does change things

Two surfaces can genuinely collect money rather than record it: a payment link and your own online storefront. Both need a payment provider connected to your account, and until one is, they offer a UPI QR only and the card option is simply not shown. No card number, expiry or CVV is ever typed into this product, on any screen, with or without a provider — that stays with the provider's own checkout page.