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Merchant Initiated Payments

For convenient and secure payment processing

Paying the merchant through the QR code, Payment Link, and Contact Number shared by the merchant themselves is a method for consumers to make quick and secure payments to merchants. It is required for efficient and contactless transactions. The benefit is a seamless and convenient payment experience for consumers and merchants, both.

Merchants can initiate a payment by requesting funds from a registered consumer.

Ways of Requesting Payment to Consumer

  1. Via QR
  2. Via Contact Number
  3. Via Payment Link
Steps to Pay Merchant (Initiated Payment through Payment Link)
1. As a merchant, they need to Request Funds
2. Enter the mobile number of the consumer or select from the phone book
3. Tap on continue
4. The consumer will receive an SMS saying that the merchant has requested funds from the consumer. Once processed, the merchant will receive a notification for the same.
5. Optionally, the merchant can also copy and paste the payment link and share it with the consumer.
Steps to Pay Merchant (Initiated Payment through QR Code)
1. As a merchant, they need to Request Funds
2. Enter the mobile number of the user
3. The consumer will receive a notification saying that the merchant has requested funds from the consumer.
4. Tapping on the notification will take the consumer to the payment screen where consumer can see the QR requested
5. The name of the merchant store along with the requested amount will appear on the screen, and they’ll be asked to verify and confirm the same.
6. The consumer can type in any additional message, if any
7. Review Payment Details and Confirm
8. Any additional charges, if applicable will be displayed, as configured by the admin
9. Enter the Transaction PIN to authorise the transaction
- If the transaction PIN is not generated, the user will be asked to create one
-. To create a transaction PIN, the user will have to enter and re-enter the transaction PIN for confirmation and verification of the same, after which it will proceed to the next step.
10. If the transaction PIN is authorised, and the user has enough funds in their wallet, the money will get transferred to the merchant, and they will be intimated about the same accordingly.