How small shop fit collect JazzCash, Easypaisa and Raast payments

To collect payments by JazzCash, Easypaisa, Raast or bank transfer, share small number of accounts wey you dey check every day, ask customers make dem send di transaction ID with each payment, confirm di money for your own wallet or bank before you mark anything as paid, and write each payment for di correct customer account sharp sharp. Na di last step most shops dey struggle with, and na there shared ledger dey help pass.

More customers dey now pay wetin dem owe from their phones: for salary day, from another city, or late for night. Dat one good for collection, as long as every payment land for di correct customer account.

Di main options for Pakistan

Wallets and banks dey set their own charges and daily limits, and dem dey change. Check di current terms with your provider, and whether business or merchant account go suit your shop pass personal one.

Set am up so customers go pay di correct account

1. Pick one or two methods wey you dey really check every day. If you give five accounts, e mean five places to look for every payment.
2. Use di same name everywhere. Customers dey check di account name before dem send; if e match di name wey dem know, dem go send with confidence.
3. Write di numbers down once, correct. One wrong digit go send money to stranger.
4. Add QR code if your wallet or bank app give you one. Scanning dey stop typing mistake.
5. Tell customers wetin to send back: di amount and di transaction ID (TID, TRX or reference number) from their confirmation SMS.

Tell your customers once, clear clear

Customers go pay by wallet only if dem know say dem fit, and dem know exactly where to send am. Tell your regular customers once, face to face or with short private message, for example:

Good day! You fit now pay your balance for [shop] by JazzCash to 0300 1234567 (account name: [name]). After you send am, abeg share di TID from your SMS. Thank you!

How you dey! From now, you fit pay wetin you owe [shop] through JazzCash 0300 1234567 (account: [name]). Once you send am, abeg forward di TID wey dey your SMS give us. We thank you well well!

Change di number and names to your own. Keep di words di same every time, so customers go learn to trust am, and so message from different number wey claim say na your shop go stand out.

Match every payment to customer

Di hard part no be to receive di money; na to know whose money e be. Wallet notification wey talk "Rs 3,000 received from 0345…" no dey always tell you which customer, especially when person pay from family member phone.

Simple routine:

• Ask each customer make dem send di transaction ID and their name with every payment.
• Once every day, open your wallet and bank, and tick each payment against di messages wey you receive.
• Record di payment for di customer account di same day, with di method and di reference.
• If you no fit find payment, tell di customer with respect and ask dem make dem check di number wey dem send am to.

Stay safe

• Check your own balance, no be di screenshot. People fit edit screenshot or use old one again. Na only your wallet or bank fit show say money land.
• Shine your eye for "I send am by mistake" messages. If person talk say dem send you money by mistake and dem dey ask make you send am back, check your real balance first, and return money only through your provider own process.
• No ever share your PIN or OTP, no be with person wey call say e be your bank, and no be with staff.
• Make one person responsible to confirm payments every day, so nothing go confirm two times or miss.

How Credit Khata dey handle am

Credit Khata don build dis routine inside di ledger itself. Nothing dey pass through di app; customers still dey pay you direct.

1. You go add your payment details under Payment details: for Pakistan di choices na JazzCash, Easypaisa, Raast, SadaPay, NayaPay, Bank transfer (with your IBAN) and Other. Di app dey check say each number get di correct shape. See Add your JazzCash, Easypaisa or bank details so customers fit pay you.
2. Di customer go tap Pay for their account, see your account names and numbers with Copy button and your QR code, and pay for their own app.
3. Dem go tap I don pay and put di amount, di method, di transaction ID and, if dem like, screenshot.
4. Di claim go wait for your Payments inbox. Nothing go change for di ledger yet.
5. You go check your account and tap Confirm di payment. Di payment go write for their account as, for example, "Payment via JazzCash" (payment through JazzCash) with di reference, and di customer go hear. If di money no dey there, you go reject am with reason wey dem fit read. See Confirm payment wey customer talk say dem don make.

Because di claim dey come with di customer name, di "whose money be dis?" wahala go comot. And because nothing go write until you confirm, screenshot alone no fit ever reduce balance.

Outside Pakistan

Di same flow dey work with payment apps of other countries. Credit Khata dey give each shop di methods wey people dey use where e dey do business, for example bKash and Nagad for Bangladesh, UPI for India and M-Pesa for Kenya, plus bank transfer.

Put di details where customers go see dem

• Add your wallet number to your reminder message, so di customer fit pay straight from di reminder. Templates dey for WhatsApp payment reminder templates for shops.
• Print di number and QR code for di counter.
• Thank dem for every payment, even small ones.

To collect payments for phone no mean say you go lose track of dem. One or two accounts, transaction ID with every payment, and daily check with di ledger don do.