Accounts Receivable | UPI / Payment Links
UPI link on every invoice. Customer scans, you collect. Receipt auto-allocated.
Every B2B invoice carries a UPI / payment link from Razorpay, Cashfree, PayU or ICICI. Customer pays in one tap; the receipt auto-allocates to the invoice. UPI, cards, netbanking and EMI all supported. Settlement to your bank, reconciled by morning.
What the system does
Capability, input, output.
| Capability | Input | Output |
|---|---|---|
| Payment link on invoice | Invoice + gateway config | UPI / card / netbanking link |
| Multi-gateway | Razorpay, Cashfree, PayU, ICICI | Per-entity gateway routing |
| UPI / card / netbanking / EMI | Customer payment choice | Authorised transaction |
| Settlement reconciliation | Gateway settlement post-back | Receipt allocated to invoice |
| Charge handling | Gateway charges + GST on charges | Auto-categorised to GL |
| Refunds | Refund trigger | Gateway refund + customer ledger update |
-
Payment link on invoice
- Input
- Invoice + gateway config
- Output
- UPI / card / netbanking link
-
Multi-gateway
- Input
- Razorpay, Cashfree, PayU, ICICI
- Output
- Per-entity gateway routing
-
UPI / card / netbanking / EMI
- Input
- Customer payment choice
- Output
- Authorised transaction
-
Settlement reconciliation
- Input
- Gateway settlement post-back
- Output
- Receipt allocated to invoice
-
Charge handling
- Input
- Gateway charges + GST on charges
- Output
- Auto-categorised to GL
-
Refunds
- Input
- Refund trigger
- Output
- Gateway refund + customer ledger update
Compliance + integrations
UPI-led collections, books-aware.
Gateway integrations are PCI-DSS compliant. RBI two-factor authentication for cards. UPI follows NPCI rules. The audit trail captures every payment, every settlement and every refund.
Regulations we work within
-
NPCI UPI rules
UPI transaction handling per NPCI.
-
RBI 2FA
Two-factor authentication for card transactions.
-
PCI-DSS (gateway-side)
Card data handling per PCI-DSS, no card storage on OneFinOps.
Connects to
- Razorpay Full gateway integration
- Cashfree Full gateway integration
- PayU Full gateway integration
- ICICI Eazypay Direct ICICI integration
UPI / Payment Links FAQ
What buyers ask.
Which gateway is recommended for B2B?
For B2B with high invoice values, ICICI Eazypay (lower transaction charges, T+1 settlement) and Cashfree (B2B-friendly) are common. For mixed B2B + B2C, Razorpay is the most feature-rich. Per-entity gateway routing is supported.
Gateway charges. Who pays?
Configurable. The default is the merchant (you) absorbs the charges. Configure to pass through to the customer (with a clear disclosure on the link). Gateway charges plus GST on charges auto-categorise to the right GL.
UPI Lite for amounts under ₹500?
Yes. UPI Lite (per-transaction limit ₹500, no PIN) is supported via the Razorpay and Cashfree integrations. Useful for low-value B2C use cases (sample purchases, deposit collections).
Refund handling?
Refund trigger from the customer record or invoice. The system raises the refund API to the gateway; the gateway processes the refund (T+5 to T+10, depending on the customer's bank). Customer ledger and aging update on completion.
More in Accounts Receivable
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See GST Invoice GenerationReceipt Allocation
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See Receipt AllocationRecurring Invoices
Subscription-friendly recurring billing. Auto-IRN, auto-WhatsApp send, follow-ups if unpaid.
See Recurring Invoices
Add UPI to your next invoice. Watch a real customer pay.
Connect Razorpay, Cashfree, PayU or ICICI, free. The next invoice carries the UPI link. The first scan-to-allocated receipt cycle runs in front of you.