1 Accepted Payment Methods
| Method | Details | Processing Time |
|---|
| Cash | Physical cash payment at time of delivery | Instant |
| UPI | Google Pay, PhonePe, Paytm, BHIM UPI | Instant |
| Bank Transfer / NEFT / RTGS | Direct bank account transfer | Same day / Next day |
| Debit / Credit Card | Visa, Mastercard, RuPay | Instant |
| Due Payment | Pay later — tracked as outstanding due | As per invoice terms |
2 Payment Gateway Integration
This Platform supports integration with the following payment gateways. API credentials must be configured by the admin in the Payment Settings panel:
| Gateway | Supported Methods | API Required | Approval Status |
|---|
| Razorpay | UPI, Card, Net Banking, Wallet | Key ID + Secret | Merchant account required |
| PayU | UPI, Card, Net Banking | Merchant Key + Salt | Merchant account required |
| Cashfree | UPI, Card, Net Banking | App ID + Secret | Merchant account required |
| Instamojo | UPI, Card, Wallet | API Key + Auth Token | Merchant account required |
| BHIM UPI | UPI only | UPI ID (no API) | Instant — no approval needed |
To activate payment gateway: Admin Panel → Settings → Payment Settings → Enter API credentials. Gateway approval is done directly with the payment provider.
3 Payment Gateway Approval Process
To get approved for a payment gateway, follow these steps:
Step 1 — Business Registration
- GST Registration Certificate
- Drug License (Wholesale/Retail)
- PAN Card of business/proprietor
- Bank account details (cancelled cheque)
Step 2 — Apply to Gateway
- Visit the payment gateway website and create a merchant account.
- Submit KYC documents: GST certificate, PAN, bank details, drug license.
- Approval typically takes 2-5 working days.
Step 3 — Configure in Admin Panel
- Go to Admin Panel → Settings → Payment Settings.
- Enter the API Key, Secret Key, and other credentials provided by the gateway.
- Test with a small transaction before going live.
Never share your payment gateway API keys with anyone. Store them securely in the admin panel only.
4 UPI Payment (No API Required)
For simple UPI payments without gateway integration:
- Go to Admin Panel → Settings → Enter your UPI ID.
- The UPI ID will be displayed on all invoices.
- Retailers can scan/copy the UPI ID and pay directly.
- Payment confirmation must be manually recorded in the system.
5 Partial Payments and Due Amounts
- Partial payments are allowed. The remaining balance is tracked as "Due Amount".
- Due payment reminders are sent via WhatsApp/SMS automatically.
- Multiple payments can be recorded against a single invoice.
- Invoice status updates automatically: Pending → Partial → Paid.
6 GST on Transactions
All transactions are subject to applicable GST rates as per the GST Act 2017. GST is calculated automatically based on the medicine's HSN code and applicable slab (0%, 5%, 12%, 18%, 28%).
7 Failed Transactions
In case of a failed payment:
- The amount will be refunded to the source account within 5-7 working days.
- Contact your bank or payment gateway for failed transaction queries.
- Do not attempt the same payment multiple times without confirming failure.
8 Contact
Email: admin@mauryamedical.com | Phone: +91 99999 99999
