UPI Autopay set kiya tha phir bhi patient ki kisht nahi kati — kya check karu?

CHECK karo (upar se neeche):

1. GATEWAY: Settings → Payment Gateways me Razorpay keys lagi hain? Bina gateway ke real UPI mandate ban hi nahi sakta — system aisa mandate create karne se mana kar deta hai.
2. MANDATE STATUS: Patient ka autopay mandate ACTIVE hai? Mandate banane ke baad PATIENT ko apne UPI app (GPay/PhonePe/Paytm) me jaakar approve karna hota hai — jab tak gateway confirm nahi karta, status active nahi hota. Aadhe cases yahi hote hain: patient ne approval wala notification ignore kar diya.
3. DEBIT FAIL: Mandate active tha phir bhi nahi kata — patient ke account me balance nahi tha, bank ne decline kiya, ya mandate ki limit se zyada amount tha.

FIX

• Mandate pending → patient ko bolo UPI app me pending mandate approve kare; zaroorat ho to naya mandate request bhejo.
• Is mahine ki kisht ke liye rukna mat — 1-tap UPI pay-link WhatsApp kar do, patient manually pay kar dega.
• Installment overdue mark hui hai to Cash Flow Recovery ke reminders bhi lag jayenge.

PREVENTION

Mandate setup karte waqt patient ke SAAMNE approval karwa lo — 'ghar jaake approve kar dena' kabhi hota nahi hai.