Dukan me online payment kaise kare, iska seedha jawab yeh hai: counter pe ek UPI QR kaafi hai, aur uske liye kisi platform ki zaroorat nahi. WhatsApp ya Instagram se aane wale online orders ke liye aisa checkout rakhiye jo payment khud confirm kare, taaki screenshot pe bharosa na karna pade. COD bhi rakhiye, par limit ke saath.
Ek example lete hain. (Yeh ek typical dukan ka example hai, asli dukan nahi.) Kanpur me ek chhoti footwear shop hai. Din me counter pe log QR scan karte hain, soundbox bolta hai, kaam khatam. Raat ko WhatsApp pe Lucknow se message aata hai: “Bhaiya size 8 wala bhej do, payment kar diya”, saath me ek screenshot.
Counter wala payment aur yeh WhatsApp wala payment, dono alag cheezein hain. Dono ko alag tarike se sambhalna padta hai.
Counter pe payment: kya UPI QR kaafi hai?
Haan, zyada tar dukanon ke liye bilkul kaafi hai. Apne bank ya kisi UPI app se merchant QR code le lijiye aur counter pe laga dijiye. Na website chahiye, na koi naya app, na koi platform. UPI par kitna charge lag sakta hai, uska hisaab UPI MDR charges me hai.
Bas yeh teen baatein dhyaan me rakhiye:
- QR pe naam aapka ho. Grahak scan kare to aapki dukan ya aapka naam dikhna chahiye. Beech beech me check kar lijiye ki counter pe wahi QR laga hai jo aapne lagaya tha.
- Soundbox ya notification on rakhiye. Rush me bhi paisa aaya ya nahi, turant pata chalna chahiye.
- Grahak ka phone proof nahi hai. “Ho gaya bhaiya” bolne se paisa account me nahi aata. Credit aapke phone ya soundbox pe dikhna chahiye, grahak ke phone pe nahi.
Update, 14 Oct 2026: NPCI ne UPI fee ko Diwali ke baad tak rok diya hai. 13 Oct ko NPCI ne kaha ki MDR “immediately post Diwali at a date to be notified separately” lagega (NPCI ka statement, CNBC-TV18 ke zariye). Diwali 8 Nov ko hai, isliye 15 Oct ko kuch nahi badlega. NPCI tareekh batayega to hum yeh post update karenge.
Charge ka kya? 15 Sep ko announce hue framework ke hisaab se, Diwali ke baad NPCI jo start date batayega, us din se merchant ko ₹2,000 se upar ke UPI payment pe 0.4% MDR lagega, zyada se zyada ₹300. NPCI ne abhi yeh nahi bataya ki rates wahi rahenge ya badlenge. ₹2,000 ya usse kam ke payment, person-to-person transfer, aur UPI QR pe mahine me ₹1 lakh tak lene wale chhote merchants ke liye MDR zero hai (PIB aur Department of Financial Services ka FAQ). Aapke case me kya lagega, yeh apni UPI app ya payment company se confirm kar lijiye. Forward pe nahi.
Card lena ho to payment company se card machine milti hai. Iske charges alag hote hain, to lene se pehle unse likhit me poochh lijiye.
WhatsApp aur Instagram orders ke liye dukan me online payment kaise kare?
Asli dikkat yahan hai. Grahak saamne nahi hai, soundbox nahi bolta, aur aksar parcel raat ko pack hota hai. Chaar common tarike hain:
| Tarika | Kiske liye theek | Dikkat kya hai |
|---|---|---|
| Chat me UPI ID ya QR bhejna | Jab mahine me do chaar order hi aate hon | Grahak screenshot bhejta hai, aapko har payment UPI app me khud match karna padta hai |
| Payment link | Jab kabhi kabhi bada order aata ho | Har order ka link alag banana padta hai, product aur address chat me hi rehta hai, KYC aur har payment pe fee |
| Website pe payment gateway | Jab aapki apni website pehle se ho | Setup, KYC, website ka alag kharcha, aur gateway ki fee alag |
| Online store checkout | Jab online orders roz aane lagein | Products ek baar store pe daalne padte hain |
Chat me UPI ID bhejna sabse aasaan hai, par sabse zyada kaam bhi yahi deta hai. Har screenshot ek dawa hai, proof nahi. Website banaye bina store chahiye to online store without a website dekhiye.
Payment link me payment company khud batati hai ki paisa aaya ya nahi, to screenshot ka jhanjhat kam hota hai. Lekin order ki baaki details (kaunsa product, kaunsa size, kahan bhejna hai) WhatsApp me hi bikhri rehti hain. Payment ek jagah, order doosri jagah.
Payment gateway tab kaam ka hai jab aapke paas website ho. Rates har company ke alag hain, aur unki official pricing page pe hi dekhiye. 6 October 2026 tak ke rates humari payment gateway charges guide me hain.
Store checkout me grahak khud product chunta hai, address daalta hai aur pay karta hai. Order aur payment ek saath record hote hain. Online orders badhne lagein to yahi sabse kam sar dard wala raasta hai.
Chat orders ek list me rakhne ke liye WhatsApp order management padhiye.
Fake screenshot ka khatra: payment kaise verify karein?
Screenshot ek photo hai. Photo edit ho sakti hai, purani ho sakti hai, ya aise payment ki ho sakti hai jo fail ho gaya tha. Ho sakta hai grahak bilkul imaandaar ho aur uska payment pending me atka ho. Aapke liye nateeja ek hi hai: parcel chala gaya, paisa nahi aaya.
Parcel bhejne se pehle yeh karein:
- Apna bank ya UPI app khud kholiye. Grahak ka bheja koi link, app ya number use mat kijiye.
- Amount, time aur naam match kijiye. Ek hi shaam do customers ne ₹1,499 bheje hon to reference number bhi milaiye.
- Har transaction ka SMS aur app alert on rakhiye.
- Apna phone, PIN ya OTP kisi ko mat dijiye, chahe wo “check karne” ke bahane maange.
- Staff ko ek rule dijiye: credit nahi dikha, to parcel nahi jayega.
Dhokha ho gaya ho to usi din chat, screenshot, number aur UPI ID save kijiye, bank ko call kijiye, 1930 pe call kijiye aur National Cyber Crime Reporting Portal pe complaint daaliye.
Warning signs aur poora tarika humari is guide me hai: how to identify a fake UPI payment screenshot.
COD dena chahiye ya nahi?
Bahut se customers COD maangte hain, khaas kar jo aapki dukan ko pehli baar dekh rahe hain. Unke liye yeh bharosa hai ki paisa tabhi denge jab parcel haath me aayega. COD band karenge to kuch order haath se jayenge.
Par COD ka kharcha bhi hai:
- Parcel wapas aa sakta hai. Customer ne mana kar diya, ghar pe nahi mila, ya phone nahi uthaya. Isko RTO (return to origin) kehte hain. Shipping dono taraf ki lagti hai aur bikri zero.
- Maal raste me atka rehta hai. Jo piece hafte bhar courier me ghoom raha hai, wo counter pe bik sakta tha.
- Cash seedha aapke galle me nahi aata. Courier collect karta hai aur baad me bhejta hai.
Kuch simple rules madad karte hain. Zyada price wale piece pe COD band rakhiye. Naye customer ko dispatch se pehle ek call kar lijiye. Purane customers ko COD aaram se dijiye. Kab COD dena hai aur kab sirf prepaid, iski poori baat yahan hai: COD vs prepaid: what small shops should offer, and when.
Dukan ke liye online payment me Indi Andaz kahan fit hota hai?
Indi Andaz counter wala UPI QR replace karne ke liye nahi hai. Wo aapke paas pehle se hai. Indi Andaz online orders aur counter billing ke liye hai:
- Aapka apna store link. Jaise indiandaz.com/sellers/aapkidukan. Isko Instagram bio aur WhatsApp chat me UPI ID ki jagah share kijiye. Details: online store.
- UPI, debit ya credit card aur COD checkout. UPI aur card ka payment checkout pe hi confirm hota hai, to order aapke paas “paid” mark hoke aata hai. Koi screenshot check karne ki zaroorat nahi.
- COD aapke control me. COD har product ke liye alag se on ya off hota hai, to mehenge piece pe band rakh sakte hain. Details: Indi Andaz kaise kaam karta hai.
- Saare orders ek list me. Web pe Seller Portal aur Android mobile pe Partner app.
- Delivery Delhivery se. Shipping ka charge alag lagta hai.
- Counter ke liye Counter app. GST bill, barcode, aur cash, UPI, card, udhar aur split payment. Details: the Counter app for GST billing, jo Indi Andaz ke saath aata hai. Ek baat saaf rahe: counter ka stock aur online stock alag alag rakhe jaate hain, apne aap sync nahi hote.
Kharcha simple hai: no monthly fee, 5% only on delivered online orders, payment processing included. GST applies on the fee. Yeh 5% sirf un online orders pe lagta hai jo deliver ho gaye. ₹1,000 ke product pe ₹50 plus GST. Delhivery shipping alag se charge hoti hai.
Kya Indi Andaz ke bina kaam chal sakta hai?
Haan, kai dukanon ka chal jaata hai. Agar aap sirf counter pe bechte hain, to UPI QR aur soundbox kaafi hai. Agar online order mahine me do chaar hi aate hain aur customer jaan pehchaan ke hain, to UPI ID aur app wala check bhi chal jaata hai.
Store checkout tab kaam ka hai jab online orders roz aane lagein aur har screenshot ko app se milana alag naukri jaisa lagne lage.
Related reading: UPI MDR after Diwali 2026, fake UPI payment screenshot, COD vs prepaid.
FAQ
Dukan me UPI QR lagane ke liye kya kisi platform ki zaroorat hai?
Nahi. Merchant QR aapko UPI app se mil jaata hai. Counter ke UPI payment ke liye na website chahiye, na Indi Andaz.
Kya payment ka screenshot proof maana ja sakta hai?
Nahi. Screenshot customer ka dawa hai. Proof wo credit hai jo aapke apne UPI app me sahi amount aur naam ke saath dikhe.
Payment link aur online store checkout me kya farak hai?
Payment link sirf paisa leta hai. Product aur address chat me hi rehte hain. Store checkout me customer khud product chunta hai, address daalta hai aur pay karta hai, to poora order ek jagah record hota hai.
COD order wapas aa gaya to kya Indi Andaz 5% leta hai?
Nahi. 5% sirf delivered online orders pe lagta hai. Shipping ka charge alag hai, aur Delhivery ka COD handling fee bhi is 5% se alag hai.
Counter aur online store ka stock ek saath update hota hai?
Nahi. Counter ka stock aur online stock alag rakhe jaate hain. Dono ko alag se update karna hota hai.
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About the author: Pritam Nandi is the founder of Prilix Labs, the company behind Indi Andaz. He builds Indi Andaz from Ashoknagar Kalyangarh, West Bengal, to help local Indian shops sell online and bill at the counter from one place.
Indi Andaz by Prilix Labs: an online store with UPI, card and COD checkout, plus GST billing at the counter.
Prilix Labs, Ashoknagar Kalyangarh, North 24 Parganas, West Bengal 743222
Email: indiandazsocial@gmail.com
Phone: 8653001257
© 2026 Prilix Labs
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