Skip to main content

Upstream Save Payment (Pre-Generated)

This section explains what an upstream “Save Payment” (also referred to as “Pre-Generated”) is, what issues it can cause, and how to handle it properly.

❓ What is "Save Payment"?​

“Save Payment” is a built-in feature of UPI apps that allows users to store payment details for future use.

However, in the context of our wallet system, incorrect use of this feature by upstream payers can cause serious issues.

⚠️ We also refer to "Save Payment" as Pre-Generated in some cases.

⚠️ How Does Save Payment Happen, and What Problems Can It Cause?​

Common causes:

  • The upstream payer accidentally sends payment for an order that wasn't assigned to them.
  • The upstream payer uses a previously saved UPI payment link after the order has expired.
  • The upstream payer selects the wrong recipient in their UPI app.

As a result, the system fails to match the payment bill with a valid order, leading to:

  • ❗ Lost Orders
  • ❗ Unmatched Bills (Pending Payments)

🔧 Handling Save Payment Cases​

1.1 Search UTR in CW System​

Since the upstream did not provide an order number, or provided an incorrect one, we cannot determine whether the payment belongs to inCash or BgCash.
Therefore, we must search the UTR from the payment screenshot in both platforms' User Ct Bill.

Example: No result in inCash CW​

Image

Example: Match found in BgCash CW​

Image

1.2 Check for Matching Order in CW System​

Go to CW > Order (Collect) and search using the UTR from the payment screenshot to check if there's a matching order.

  • If no order is found, proceed to the next step.
  • If an order is found, verify whether the amount and UPI match the payment screenshot.

Image

🔍 If the information does not match (as shown in the image above — e.g., mismatched amount), record the mismatch and proceed to the next step.

✅ If the information does match, try clicking Match Bill.
❌ If it still fails to match successfully, proceed to the next step.

1.3 Record and Report the Bill Info​

Once the bill is found, send the following message in the appropriate MERCHANT (manual add) group:

Image

Include these details:

  • UPI
  • UTR
  • Reason: Brief explanation of why this amount needs to be added manually
  • Merchant group: e.g., InCash-OX or InCash-MCG

Image

1.4 Special Case – No Bill Record Found​

If no bill record exists in either system, it means the payment was not received by our account.

Reply to the upstream merchant:

UPI UTR Hello Team, This is not our receiving account. Thank you

Image