UPI Manual Payment Flow
Step-by-step guide to how citizens pay, admins verify, and vendors get auto-assigned.
Overview of the Payment Flow
CSC provides an extremely flexible, 100% secure payment flow built for real-world business needs. Instead of losing money to 3% payment gateway fees, CSC uses a Direct UPI method where money goes straight to your bank account, and you verify it before any work starts.
How It Works (Step-by-Step Example)
Let's look at an example: A citizen paying for an Income Certificate (₹300).
1
Scanning the QR Code: The citizen submits their Income Certificate form. The screen shows your company's UPI QR Code (or PhonePe/GPay number).
2
Making the Transfer: The citizen opens PhonePe on their phone, scans the QR, and transfers ₹300 directly to your bank account.
3
Uploading Proof: The citizen takes a screenshot of the successful PhonePe transaction and uploads it on the CSC portal.
4
Admin Verification: You (the Admin) get a notification. You look at your bank app and see ₹300 arrived. You look at the CSC Admin Panel, see the screenshot, and click "Verify".
5
Instant Vendor Assignment: The second you click Verify, CSC instantly finds the best Vendor for Income Certificates and automatically assigns the task to them!
Why Direct UPI is Better for Your Business
- Zero Gateway Fees: Keep 100% of your revenue. No 2-3% deductions by Razorpay or Stripe.
- Instant Settlement: The money lands in your bank instantly. You don't have to wait T+2 days for a gateway payout.
- Fraud Prevention: Because the system requires manual verification, nobody can trick the system with fake API calls. You only assign work when the money is safe in your bank.
Handling Failed Payments
If a user uploads a fake screenshot, the admin simply clicks "Reject". The user is notified to try again, and no vendor wastes time on a fake application.
Optional Automation
If you prefer complete automation, CSC can be integrated with fully automated payment gateways (like Razorpay) where verification and assignment happen in 1 second.