I don't use Amazon Pay and Bharat Pay anymore. The thing is, people used to come every 2-3 months to change the barcodes used by apps like Amazon Pay and BharatPe. It has been quite some time since anyone from Amazon Pay came to change the barcode. So, I had no option but to stop using the Amazon Pay app. I had the same issue with BharatPe. As for GPay and PhonePe, people from these companies come to my shop regularly to change the barcode. They come once a month to change the barcode.
There are times when I ask my customers to share the screenshot of the payment that they are making through an app like PhonePe or GPay with me on WhatsApp. So, this is how I deal with the customers. However, there are customers who don't use any payment apps like GPay or PhonePe. Those customers buy the products from my shop and assure me that they will pay for those products the next day. Now, if I have trust in a customer, I will allow them to buy products from me and pay for them by the next day. I have to conduct my business in this way. If I don't get any customers at my shop throughout the day and a customer comes to my shop when I am about to close it, I will sell products to them on a credit basis and take assurance from them that they will pay for those products the next day. So, trust plays a big factor in any business. I note down the money customers owe me in my diary.
With the introduction of these payment apps, making payments has become much safer and more secure. Now people don't have to carry cash with them; they can make payments through apps like GPay or PhonePe. When it comes to the vendors and salesmen who come to my shop, they make payments to me through GPay if they don't have any cash. So, I do use these payment apps frequently for business purposes.
I trust PhonePe more than Gpay because money never gets stuck there. In Gpay, money gets stuck for as long as 3 days sometimes. Many times, my money has been stuck on Gpay for 3 days, and I can't do anything about it. I have to wait for 3 days and after that, the money will either come to me or be returned to the customer. If the customer doesn't have cash, they can send the payment directly to me through PhonePe or Gpay before the repair is done. I started offering these online payment options to meet the needs of my customers.
Yes, it's become easy after PhonePe and GPay has come. Every morning, I learn how much I earned the previous day. Some people pay cash, but now I can see how much I have earned and how much money is going to my account. I have to remember daily who paid cash and who paid online.
This Gpay and PhonePe is good; now I can call the customer and that I need payment for their vehicle repair and request them to send it; it's easier; otherwise customer will have to wait when I ask him to come and pay. They are at their jobs and can't come till evening. Over phone they make online payment.
My loyal customers taught me to use Google Pay and PhonePe. If anyone makes a payment, we have to click here to view the history. The first name will be that of the person who made the payment. That is how I started accepting payments using PhonePe and Google Pay. I cannot force anyone to pay in cash. Previously, I used to turn away customers who used PhonePe and Google Pay.
I don't know how to pay someone using these apps. I only know how to receive payments. I open the app and check. I have not sent money to anyone yet. Once, I was in my village when my auditor called me. It was the last day to pay the professional tax of Rs. 2500. He asked me to pay using Google Pay or PhonePe. I asked him to guide me over the phone and I would follow the instructions. It happened only once. I paid 2500 like that, just following his instructions. However, I don't remember now what I did.
The customers used to ask me whether I have Google Pay or PhonePe. As I did not have it before, they used to go to another shop. Otherwise, they would tell me that they will get money from the ATM. But they never come back. Now that I know, I can check the received payment.
Yes, Paytm machine and card machine are available, a customer should not be troubled during the payment process. We don't have finance facilities like Bajaj finance. I use Phone pe, Patym and not Googlepay.
My favorites are PhonePe, Paytm, and Google Pay. All of them are available. And mainly, I am using Google Pay and PhonePe, but Paytm is also available. The thing with Paytm is that if it's registered with my phone, I will receive the message even if I'm not there. There is one problem with Google Pay - it's not available on iOS applications. Yes, Google Pay Business app is available on Android but not on iOS.
No apps as such, nothing just use this PhonePe and Google Pay.
I call and inform them on WhatsApp that these goods are required. They send the sample. They create a bill and send us the bill on WhatsApp. I send them the payment amount on PhonePe. Sometimes I also make purchases on credit. Later, I pay off the credit and they send me the goods by transport. This process continues in this manner. Now, if I order any unique product, then I have to go there. If they call me to see some new and unique items, in that case, I also visit their place and choose the color and items. Both my wife and I like to see and touch the product before ordering because if I like it, the customer will also like it. I think in that way. That's why I handle everything on my own.
Vendors give me products on credit. Suppose I purchase goods worth 50K. I will pay him 40K or 45K. 5K is on credit. I send that credit amount to him on PhonePe after 7 days.
I use UPI for customers, as they scan this and use Phone Pe and Google Pay. People send money using UPI, and they also give me cash. Phone Pe is used more frequently. Cash transactions are also done, depending on the case - sometimes it's cash, and sometimes it's Phone Pe. Phone Pe is the preferred method. I have a business app for Phone Pe, as well as Amazon and Google Pay. I didn't keep more apps because I would get confused. That's why I have only two. I would have the benefit of tallying this, just like what happened in both of these. I find it easy to calculate this. I have the app PhonePe, and there I can see this. That's the business app. Then, what I get on Google Pay, I see that on the Account statement. If I have more than that, I would be confused. I have only these two. I had Bharat Pay before, and now I have closed it. I have only these two now.
Not all of the vendors offer credit. Only saris are available on credit. The rest are for cash. I may record the cash amount given. If it is 30k, I may pay 20k in cash and the remaining amount through PhonePe. I may make a note of that. PhonePe and Google Pay. I use them both.
I learned about UPI a year ago, but there were many negative things being said about it, such as money getting deducted and so on. People thought that money would be taken out of their accounts easily, but later I realized that there are many advantages. Most customers don't carry cash anymore. They come and ask if we accept PhonePe and Google Pay. They might not have made the purchases if I didn't accept it.
I keep a record of the business done through PhonePe and Google Pay. I have both. I have my personal savings account. I also have a loan account, which was given to me. I had taken a loan from this Finance. They had given it to me free of cost. They said that it would aid my business.
QR code was advantageous. I had a current account with them, then the PhonePe people came to me. The Google Pay chap came as well. There were two different boys. I took another UPI because it was a personal one. I was given this machine by Google Pay. Then there is the PhonePe one. They are both so good. They gave a machine also.
I thought of using UPI because of the customers' demand. Maybe they didn't have cash and wanted to make UPI payments. That's why. After this is installed, we have solved the problem of small currency changes. If the bill is 220 or 210 rupees and the customer does not have 10 rupees change, then they can use Phone Pe or Google Pay. This advantage exists. We used to tell them to pay later because he did not have change of 10 rupees in his pocket. I also do not have small change. This is useful to avoid the problem of small currency changes. Suppose the bill was 210 rupees, and the customer had 300 rupees... we did not have change for 90 rupees. At that time, we asked customers to pay 10 rupees, and the customer paid that through UPI or in cash if they had it. Previously, this used to cause a little problem. If they did not have change, they would come after some time and give that amount. Or they used to keep 300 rupees with us and later gave 10 rupees and took their 100 rupees back.
We provide online payment options, such as Paytm, Google Pay, and Phone Pay. We accept card payments and have Axis Bank machines. However, there are charges for card payments, and they vary based on the type of card. Customers understand the additional cost associated with card payments.
We offer the following payment modes to the customers: Paytm, credit card, Google Pay, Bajaj finance, PhonePe.
We have PhonePe. Before that, I used to take cash. It has been 4 years of using PhonePe. During the demonetization time, many people came for business through PhonePe. Customers also used to say that they didn't have cash and they wanted to use PhonePe. I missed a lot of customers because of this. Then, I decided to go for it. I don't trust anybody and I don't even lend my phone. I have asked many people about this. But we have to trust somebody and move on.