[KK_HakunaMatata]

Originally Posted by avdhesh15

Jugaad which is working well for me: I have opened a Google Pay for Business to which I have linked my current account. Currently there are zero charges charged by Google. If anyone scans or sends by UPI, it is instantly in my bank account. Only catch is that it is currently restricted to 10 lacs every month (more than enough for me, but unsure of your use case).

Originally Posted by Turbanator

Thanks Avdhesh, I could setup the account in less than 10 minutes. Logged in to the google account using same credentials that we have for our google business listings and the account was setup immediately. One needs a clear copy of PAN and rest everything is automated. Google does a test transfer of Rs 1 to your account and if everything matches you are done. I tried a test with Rs 100 and it was credited in full.

Thanks avdhesh15 & Turbanator for this.

1. Does Gpay for business works only with current account or can i set it up for the time being with SB account also?

2. Will they allow generation of payment link which can be shared with the customers or only scan option?

KK

[Turbanator]

Originally Posted by KK_HakunaMatata

1. Does Gpay for business works only with current account or can i set it up for the time being with SB account also?

2. Will they allow generation of payment link which can be shared with the customers or only scan option?

You can try, I think it will work with SB. Is your business listed with google? I found it easier in case it is.

You get a UPI address which is your Mobile number followed by @okbizaxis. You can also share the QR code via WhatsApp or a similar way with customers. I don't think a separate transaction link can be generated for an amount., though I am maybe mistaken.

[roamer012]

Originally Posted by KK_HakunaMatata

2. Will they allow generation of payment link which can be shared with the customers or only scan option?

Originally Posted by Turbanator

I don't think a separate transaction link can be generated for an amount., though I am maybe mistaken.

Partially true however Google Pay like all other UPI based apps does give an option to request desired amount of funds from other party which is not exactly like payment link but does appear in other person's app as a specific request from the seller and needs to be approved.

However if there is a dedicated payment link functionality then i am not aware of it too. This is what i could locate on web - Create Payment Requests

Hope this helps.

[avdhesh15]

Originally Posted by KK_HakunaMatata

1. Does Gpay for business works only with current account or can i set it up for the time being with SB account also?

Should not be an issue. Lots of individual professionals don't use current accounts but their personal savings accounts for transactions (e.g. freelance consultants).

Originally Posted by KK_HakunaMatata

2. Will they allow generation of payment link which can be shared with the customers or only scan option?

No individual links - only QR code scanning and UPI handle. If you want payment links, you will have to go to Razor Pay etc. I have setup customized payment links on RP for different category of customers with no issues. The backend is very simple and straight forward. Just that the charge is 2.36%.

[KK_HakunaMatata]

Originally Posted by avdhesh15

Should not be an issue. Lots of individual professionals don't use current accounts but their personal savings accounts for transactions (e.g. freelance consultants).

No individual links - only QR code scanning and UPI handle. If you want payment links, you will have to go to Razor Pay etc. I have setup customized payment links on RP for different category of customers with no issues. The backend is very simple and straight forward. Just that the charge is 2.36%.

Thanks. By the way, the 0.36 is the GST and you can you input tax credit of that if you are GST registered.

KK

[avdhesh15]

Originally Posted by KK_HakunaMatata

Thanks. By the way, the 0.36 is the GST and you can you input tax credit of that if you are GST registered.

KK

Yes. I expense 2.36 because mine is a GST free product

[Rehaan]

It's been years since I last did a comparison. Have been using ccAvenue all along, so will just add a few points on them:

1) They seem to have the highest number of accepted cards / banks / payment methods. So if reach is important to your online business, this is worth considering.
2) Their checkout process isn't as slick as some of the competing gateways, and this is a concern as every fraction of a % matters when it comes to conversions.
3) Support is slow to resolve issues.

[AkhilR]

From a buyer perspective, i stick to only gpay, amazonpay or paypal if not using credit card. This is only because of their amazing dispute resolution.
From a seller perspective, payu is the only gateway i have used. Their service charge is flat 2% and have no opening or renewal charges.
PayU is pretty easy to setup and we haven't faced any transaction failures till now.
Cannot comment on their dispute resolution as we haven't faced a need for dispute resolution in our use.

[EVMAN]

We have using Razorpay in our app for around One & half years. We are satisfied with the whole process. Most of the users are familiar with Razorpay interface so that helps in building trust during the whole transaction.
We never had a disputed transaction so can't comment on that.
I am in no way associated with Razorpay I am just a satisfied customer.

[mayuresh]

Noticed some posts that say there can't be a payment link with UPI. That's not true. I have used UPI extensively with links and QR codes. Please note:

1. A QR code is simply a graphical representation of the payment link itself. I create invoices where the QR code itself is clickable on the soft copy of invoice pdf and of course when you are viewing the invoice PDF on a mobile. Same QR code is scannable.

2. QR codes can be static - where the payer has to enter amount and message etc. or dynamic such as in my invoice example above the amount and message are pre-filled. I use the message part for identifying the payer when the the transaction comes to my bank statement.

Only issue sometimes is that some banks are nasty and mess up with the message contents that reaches your statement of account. You can talk with them if that happens as the rules require them to retain the notes. But majority of the well behaved banks do retain the notes.

UPI is the most cost effective method and has put pressure on all sorts of intermediary driven mechanisms like cards and gateways. Probably that's why it's not publicized much about.

[KK_HakunaMatata]

Originally Posted by mayuresh

Noticed some posts that say there can't be a payment link with UPI. That's not true. I have used UPI extensively with links and QR codes. Please note:

1. A QR code is simply a graphical representation of the payment link itself. I create invoices where the QR code itself is clickable on the soft copy of invoice pdf and of course when you are viewing the invoice PDF on a mobile. Same QR code is scannable.

2. QR codes can be static - where the payer has to enter amount and message etc. or dynamic such as in my invoice example above the amount and message are pre-filled. I use the message part for identifying the payer when the the transaction comes to my bank statement.

Thanks mayuresh, this info helps.

Can you guide how to generate a generic payment link where the customer has to input the amount and also the specific payment links which the vendor can pre input the amount and share with the customer.

KK

[spadix]

Originally Posted by KK_HakunaMatata

So here i am requesting BHPians to post their experiences in using the payment gateway, from the seller point of view and what are the critical things to consider while choosing the right payment gateway and easy to miss conditions/issues.

Apologies for the late reply.

Served as CTO for PayU in a past life. Some great advice in this thread already.

Happy to get onto a call some time and elaborate on specifics. Please feel free to DM should the need still exist.

[mayuresh]

Originally Posted by KK_HakunaMatata

Thanks mayuresh, this info helps.

Can you guide how to generate a generic payment link where the customer has to input the amount and also the specific payment links which the vendor can pre input the amount and share with the customer.

KK

Had PM'ed you the details. Feel free to get back if you have further questions.

[Sheel]

Any of you using Samsung Pay? Would like to know your experience.

[Turbanator]

Originally Posted by mayuresh

Had PM'ed you the details. Feel free to get back if you have further questions.

Best will be to post here as well for benefits of other readers unless there is something confidential.