हर rupee, accounted for। Cash से UPI से Razorpay तक।
Live payments register जो school के हर fee payment को record करता है — counter पर cash, cheque, NEFT, demand draft, UPI, Razorpay online, PayU, Cashfree — status tracking, bank reconciliation, cheque bounce पर reversal, और per-payment audit trail के साथ। Collections की single source of truth, हर दिन invoices और bank statements से reconciled।
ज़्यादातर Indian schools आज payments कैसे record करते हैं
Lucknow के एक CBSE day school के fee counter पर सुबह की collection एसी होती है: 22 parents से cash, different banks के छह cheques, चार NEFT confirmations जो parents apne banking app से WhatsApp करते हैं, overnight आए तीन Razorpay UPI payments, दो demand drafts। Counter staff हर ek triplicate receipt book में likhta है, lunch पर totals Excel में copy karta hai, evening mein bank reconciliation columns accounts officer को email कर देता है।
Evening tak teen problems exist करती hain। Razorpay payments gateway dashboard में; bank statement पर kal के settlement तक नहीं दिखेंगे। दो cheques के UTRs staff ने likhna bhul gaya। Ek parent का NEFT receipt गलत amount mention karta है kyunki banking app ₹12,500 dikha raha tha ना कि ₹15,200। Friday tak school के ₹18,000 unreconciled payments hain — amounts jahan office certainty se nahi keh sakta parent ne paid kiya ya nahi।
Payment recording Excel में typing nahi — state ke saath workflow hai। हर payment ka method, reference number, bank, status (initiated, succeeded, failed, reversed), invoice jo settle kar raha hai, receipt jo generate hogi। Inkwelly का Fee Payments module har payment ko first-class record banata hai — created, reconciled, reversed if needed, sab audit-logged।
Inkwelly Fee Payments कैसे काम करती हैं
Payments screen /student-fee/payments पर हर payment list होता है जो school ने record kiya hai, filters ke saath: status (FeePaymentStatus enum: INITIATED, SUCCEEDED, FAILED, REVERSED, PENDING), paymentMode (FeePaymentMode enum: CASH, CHEQUE, DD, NEFT, RTGS, IMPS, UPI, CARD, ONLINE_GATEWAY, BANK_TRANSFER, OTHER), reconciled flag (isReconciled), reversal flag (isReversed), date windows. हर payment unique paymentNumber, linked invoice(s), method-specific reference (cheque number, UTR, gateway transaction ID), bank/source, amount, generated receipt, full audit metadata rakhta hai।
Payment recording form mode-aware hai। CASH — sirf amount aur date। CHEQUE — cheque number, drawn-on bank, branch, instrument date। UPI — UPI ID, transaction reference। ONLINE_GATEWAY — system Razorpay / PayU / Cashfree webhook से auto-fill karta hai। Payment ek ya more invoices se link hota hai (split-tender supported), discounts aur waivers honour hote hain, receipt auto-generate, linked invoice ka outstanding amount instantly update।
Reconciliation alag explicit step hai। ReconcilePaymentDialog accounts officer ko payment ko bank statement से reconciled mark karne deta hai, optional UTR/reference matching ke saath। Reconcile hone tak payment principal ke dashboard pe 'Pending Bank Match' dikhta hai। Bounced cheques aur failed gateway settlements ReversePaymentDialog use karte hain — payment REVERSED flip, linked invoice ka outstanding amount snap back, audit log poori chain capture।
Payments screen क्या handle करती है
- 11 payment modes — CASH, CHEQUE, DD, NEFT, RTGS, IMPS, UPI, CARD, ONLINE_GATEWAY (Razorpay / PayU / Cashfree), BANK_TRANSFER, OTHER। हर method jo Indian schools counter पर dekhte hain।
- 5 statuses with state machine — INITIATED, PENDING, SUCCEEDED, FAILED, REVERSED। Har transition timestamped aur audit-logged। Reversed payments linked invoice ka outstanding amount instantly restore karte hain।
- Reconciliation workflow — har payment par
isReconciledflag plus dedicated dialog bank statement match ke liye;Pending Bank Matchfilter daily close ke liye unreconciled payments surface karta hai। - Reversal with reason —
ReversePaymentDialogreason aur admin role require karta hai; bounce par linked cheque status BOUNCED flip same transaction mein। - Refund directly from a payment —
CreateRefundDialogkisi bhi successful payment se Refund workflow start karta hai source-payment link preserve karte hue। - Split-tender payments — ek payment multiple installments / invoices proportionally settle kar sakta hai; receipt split clearly print karti hai।
- Razorpay / PayU / Cashfree integration — ONLINE_GATEWAY mode webhook से auto-fill; gateway transaction ID, settlement date, gateway charges per-payment captured।
- Multi-tenancy aur RBAC — har school ke payments isolated; counter staff record karte hain par sirf finance role reconcile/reverse karta hai; cancellation chain server-enforced।
Walkthrough — तीन views, end to end
Mode-aware form — CASH se UPI se Razorpay
Payment recording form paymentMode ke based shape change karta hai। CASH = amount + date + handed-over-by name। CHEQUE = cheque number, drawn-on bank, branch, instrument date, cheque date — Cheque module downstream tracking (deposited, cleared, bounced, redeposited) take over karta hai। UPI/IMPS/NEFT = UTR ya transaction reference + payer name + bank। ONLINE_GATEWAY = gateway webhook से auto-filled — transaction ID, gateway, settlement date, gateway fee। Audit log har field capture karta hai; receipts sirf parent-relevant subset print karte hain (no internal reference numbers leaked)।
Daily reconciliation — ek click per match
Day end par accounts officer Payments screen isReconciled=false filter से खोलते हैं, bank statement download, per-payment match। Reconcile dialog reference number accept karta hai (UTR for NEFT/IMPS, transaction ID for UPI/gateway, cheque-clearing-line number for cheques), payment reconciled mark, user ke saath timestamps। Mismatches turant surface — accountant kal ke unreconciled amounts forward nahi le jata। Principal ke daily dashboard par reconciled vs pending counts mode-wise breakdown।
Reversal on bounce — invoice outstanding snap back
Cheque bounce या gateway settlement fail hone par Reverse Payment dialog reason (free-text, min 10 chars) aur admin role confirmation require karta hai। Submit par payment REVERSED flip, linked invoice ka outstandingAmount reversed sum se increase, receipt invalid mark (audit trail ke saath), Cheque status BOUNCED flip — same database transaction mein। Parent ke portal par reversal explanation ke saath dikhta hai; late-fee accrual applicable ho to resume। Silent failures nahi, orphan receipts nahi।
Refund directly from a payment
Kisi bhi SUCCEEDED payment ke detail view se Create Refund click। CreateRefundDialog payment pre-populated khulta hai, refund type (FULL/PARTIAL/EXCESS), refund mode (matching original ya DIFFERENT), amount, reason puchhta hai। Refund Refunds workflow mein source-payment link preserve karte hue enter karta hai — status PENDING → PROCESSING → COMPLETED — explicit approval gates ke saath। Original payment SUCCEEDED rehta hai; refund alag audit-tracked record banata hai।
“Pehle har Friday ko bank statement aur fee Excel mil-ke compare karna padta tha — ek-ek line. 60-70 payments mein 3-4 mismatches — do din lagte the find karne mein. Ab Inkwelly ki Reconcile Payment dialog daily 5 minute ka kaam hai. Mismatches usi din pakad lete hain. Razorpay ke webhook se UPI payments auto-record ho jate hain — manual entry ka jhanjhat khatam.”
School office ki paanch daily operations
1. Counter close. Day end par counter staff din ki CASH payments hour-wise, totals ke saath, bank cash drop ke liye export karta hai। 30 seconds।
2. Bank reconciliation. Accounts officer isReconciled=false khole, morning bank statement se match, reconciled mark। 60-90 seconds per payment dialog ke saath।
3. Razorpay daily settlement. paymentMode=ONLINE_GATEWAY, paymentDateFrom=today-2 filter, settlement vs charged amounts dikhe — Razorpay webhook settlement event post hone par auto-reconcile।
4. Bounced cheque handling. Overnight cheque bounce — Cheque module flag karta hai। Payments screen isReversed=false plus linked-cheque-status=BOUNCED par surface। Do clicks reverse, parent ka invoice outstanding restore, late-fee accrue।
5. Quarterly audit prep. paymentDateFrom=quarter start filter, mode-wise group, PDF export — principal ke CA ko clean per-mode collection report। 5 minutes vs Excel-only school ki 4-day archaeology।
Payments screen par common operations
- Counter par CASH ya cheque payment record karen; receipt parent-facing fields ke saath auto-generate।
- NEFT aur UPI payments bank statement से reconcile karen ek dialog per payment se।
- Bounced cheque reverse karen; linked invoice outstanding snap back, late fees accrue, parent notified।
- SUCCEEDED payment se directly refund create karen source link preserve karte hue।
- Daily bank-match exercise ke liye
isReconciled=falsefilter karen। - Sare gateway payments dekhne aur settlement reports se reconcile karne ke liye
paymentMode=ONLINE_GATEWAYfilter। - Filtered set CA review ya CBSE / Income Tax / GST inspections ke liye PDF/CSV bulk-export।
- Kisi bhi payment ki full chain dekhe: source invoice(s), receipt issued, gateway transaction (if applicable), reconciliation status, audit timeline।
30 minutes mein apna payments register live dekhe
Pichle hafte ka bank statement aur ek sample collection sheet le kar aaye। Hum demo mein Payments screen dikhayenge cash, cheque, UPI, Razorpay flow ke saath — reconciled, reversed aur refunded — har step par full audit trail ke saath।
Limits, safety और small print
SUCCEEDED payment immutable hai। SUCCEEDED payment ka amount, mode, reference ya invoice link edit allowed nahi। Sahi action: reason ke saath REVERSE karen aur fresh corrected payment create karen। Audit log dono records rakhta hai।
Reversal reason + admin role require। Free-text minimum 10 characters; admin role IAM se। Linked invoice ka outstanding amount same DB transaction mein restore, Receipt invalid mark, linked Cheque (if any) BOUNCED flip।
Reconciliation non-destructive hai। Payment reconciled mark karne se amount ya status nahi badalta — sirf isReconciled=true timestamp aur user ke saath। Un-reconciling allowed (audit trail ke saath) us rare case ke liye jab bank settlement reverse kar de।
Gateway integrations webhook-driven। Razorpay, PayU, Cashfree payment.captured, payment.failed, refund.processed events post karte hain। Inkwelly webhook signature server-side verify karta hai aur payment record update। Manual entry offline gateway scenarios ke liye support।
Multi-tenant isolation. Har school ke payments isolated tenant boundary mein। School A ka UPI payment School B ko invisible same trust mein bhi।
DPDP Act 2023 alignment. Payment records student PII (name, admission number) aur parent payment instrument data (last-4 cheque number, UPI ID, masked bank account) rakhte hain। Mumbai-region servers par AES-256 at rest encrypted; sirf IAM-controlled roles se accessible। Audit log har payment, reconciliation, reversal, refund user, timestamp, IP ke saath record। CBSE / Income Tax / GST inspections ka jawab single export se।
किस मॉड्यूल का हिस्सा
2 modulesअक्सर पूछे गए सवाल
9 सवालInkwelly out of the box kaun se payment modes support karta hai?
Gyaarah: CASH, CHEQUE, DD (demand draft), NEFT, RTGS, IMPS, UPI, CARD, ONLINE_GATEWAY ([Razorpay](/features/razorpay-integration) / PayU / Cashfree), BANK_TRANSFER, OTHER। Har mode ke liye dedicated form layout sahi fields ke saath (cheque number for CHEQUE, UTR for NEFT, transaction ID for UPI, etc.) aur sahi downstream workflow। Cheques additionally [Cheque module](/features/fee-cheques) feed karte hain deposit → clear/bounce → redeposit tracking ke liye।
Reconciliation kaise kaam karti hai — har payment manually match karna padta hai?
Har payment ek dialog click se reconcile hota hai — bank reference/UTR type karen, reconciled mark karen। System `isReconciled` ko payment status se alag track karta hai। Accounts officer ka daily routine: Payments screen khole, `isReconciled=false` filter, bank statement download, per match mark। Razorpay/PayU/Cashfree ke liye gateway webhook auto-fill karta hai aur silently reconcile — online payments ke liye manual matching nahi chahiye।
Cheque bounce hone par kya hota hai?
Cheque module cheque ko BOUNCED bank reason ke saath flag karta hai। Payments screen automatically linked payment par yeh surface karta hai। Reverse Payment dialog reason (free-text, min 10 chars) aur admin role confirmation require karta hai। Submit par payment REVERSED flip, linked invoice ka outstanding amount same database transaction mein restore, receipt invalid mark (audit-trailed), parent ko portal notification। Late-fee accrual original due date se resume।
Multiple installments settle karne wala partial payment record kar sakte hain?
Haan — ek payment multiple invoices/installments par proportionally split-tender ho sakta hai। Receipt split clearly print karti hai: 'Q1 ₹5,000, Q2 ₹5,000 = Total ₹10,000'। Har linked invoice apna `outstandingAmount` aur `status` independently update karta hai। Audit log split aur source payment ko ek record mein multiple invoice links ke saath capture karta hai।
Razorpay / PayU / Cashfree se online payments kaise record hote hain?
Webhook-driven। Gateway events post karta hai (payment.captured, payment.failed, refund.processed); Inkwelly signature server-side verify karta hai, payment record automatically create/update karta hai, receipt generate karta hai, linked invoice update karta hai। Payment gateway transaction ID, settlement date, gateway charges rakhta hai — settlement event aane par auto-reconcile। Manual entry fallback scenarios ke liye support।
Payment se directly refund initiate kar sakte hain?
Haan। Kisi bhi SUCCEEDED payment ke detail view se Create Refund click। Dialog refund type (FULL/PARTIAL/EXCESS), refund mode, amount, reason puchhta hai। Refund [Refunds](/features/fee-refunds) workflow mein source-payment link preserve karte hue enter karta hai, PENDING → PROCESSING → COMPLETED se chalti hai explicit approval ke saath। Original payment SUCCEEDED rehta hai; refund alag audit-tracked record। Withdrawal refunds, bounced-cheque-but-already-issued-receipt cases, overpayment corrections ke liye useful।
Hamare office mein record vs reverse vs refund kon kar sakta hai?
Default mein, role-based via [IAM](/modules/identity-access-management)। Counter/fee-cashier role: payments RECORD kar sakta hai, receipts generate, par REVERSE ya REFUND initiate nahi। Accounts-officer role: RECONCILE aur reason ke saath REVERSAL initiate kar sakta hai। Admin/principal role: refunds approve। Chain server-side enforced; UI per role adapt karta hai unavailable actions hide karne ke liye।
Per payment kya audit information capture hoti hai?
Per payment: created at + by + IP; mode-specific fields; linked invoice(s); receipt link; gateway transaction details (if applicable); status transitions with timestamps; reconciliation timestamp + user + reference; reversal timestamp + user + reason + IP; refund chain link (if applicable)। Audit log per payment ya bulk PDF/CSV exportable hai CBSE / Income Tax / GST inspections ke liye।
Payment data secure aur compliant hai?
Sara Inkwelly data Mumbai-region servers par host, AES-256 at rest, TLS 1.3 in transit। PII (parent name, masked bank account, UPI ID, cheque number) sirf [IAM roles](/modules/identity-access-management) se accessible। Multi-tenant isolation guarantee karti hai ki ek school ke payments doosre school ko invisible। DPDP Act 2023 compliant including parental consent for minor PII processing aur Income Tax Act + GST Act ke hisaab se audit-trail retention।
आपको ये भी पसंद आ सकता है
4 लेखInkwelly आपके स्कूल पर — खुद देखें
30 मिनट का डेमो। आपके मौजूदा ERP को आपके साथ खोलकर, कॉल पर ही आपका डेटा Inkwelly में लोड करते हैं। कॉल ख़त्म होते-होते एक तय तारीख़ का गो-लाइव प्लान आपके हाथ में।