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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.

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Payment Links Upi

How it works

From invoice to UPI scan to allocated receipt.

Step 01

Payment link on the invoice

Every B2B invoice (where enabled) carries a UPI / payment link auto-generated from your gateway (Razorpay, Cashfree, PayU or ICICI). The link is in the PDF and on the WhatsApp delivery.

Step 02

Customer pays in one tap

UPI scan, UPI Lite, credit / debit card, netbanking or EMI. The gateway handles the transaction. Confirmation is instant.

Step 03

Settlement to your bank

T+1 or T+2 settlement to your registered bank account (gateway-dependent). Settlement details (UTR, gateway charges, GST on charges) all captured.

Step 04

Receipt auto-allocated

The settlement post-back triggers receipt allocation to the invoice. The customer ledger updates instantly. Aging buckets reflect the new position.

What the system does

Capability, input, output.

  • 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

Related features

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.

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