Your agent collects the payment. You keep 100%.
While the customer is still in the conversation — chat, voice call, or WhatsApp — your agent sends the payment link and confirms the booking on payment. Two modes, configured for you during setup: a direct UPI deep link (₹0 fees, you verify the UTR) or Razorpay (auto-confirmation, standard ~2% gateway fee kept by Razorpay). Dvaarik charges 0% commission either way.
From Conversation to Bank Account in 4 Steps
Every payment is automated end-to-end. No manual invoicing, no chasing customers, no reconciliation headaches.
The Agent Asks for Payment
A customer books via chat, voice call, or the booking page. Your agent generates a payment link for the deposit or full amount — mid-conversation.
Customer Pays
Direct UPI: a upi:// deep link opens Google Pay/PhonePe/Paytm. Razorpay: UPI, cards, net banking, or wallets via Razorpay Checkout.
Confirmation
Razorpay: webhook confirms automatically in seconds. Direct UPI: you verify the UTR from your bank SMS and mark it paid in your dashboard.
You Keep 100%
Dvaarik takes zero commission on your customer payments. Direct UPI lands in your bank instantly; Razorpay settles the next business day (minus their standard gateway fee).
Pick the Mode That Fits Your Business
We'll recommend one during setup based on your volume — and you can switch anytime. Dvaarik charges 0% commission on either mode.
Direct UPI Deep Link
A upi:// link opens the customer's UPI app (GPay / PhonePe / Paytm) pre-filled with your UPI ID and the amount. Money lands in your bank in seconds — no intermediary.
- ₹0 gateway fees — truly 100% of the money reaches you
- Works with any UPI-enabled bank account
- Manual verification: you match the UTR from your bank SMS and mark paid in the dashboard (takes ~10 seconds)
- Best for low-volume or high-trust businesses
Razorpay
Customer pays via Razorpay Checkout (UPI, cards, net banking, wallets). Webhook confirms the booking automatically in seconds. Funds settle to your bank next business day via your own linked Razorpay account.
- Fully automatic booking confirmation — no manual verification
- All payment methods: UPI, cards, net banking, wallets, EMI
- ~2% gateway fee — paid to Razorpay, not Dvaarik. Dvaarik's take is ₹0.
- Best for high-volume businesses where automation > fee
Every UPI App. Every Payment Mode.
Customers pay with whichever app they already use. UPI deep links open the payment directly in their preferred app — no fumbling with account numbers or QR codes.
Google Pay
UPI deep link opens directly
PhonePe
UPI deep link opens directly
Paytm
UPI deep link opens directly
BHIM UPI
Any UPI app via intent
Razorpay Checkout
Cards, net banking, wallets
UPI QR Code
Scan and pay from any app
0% Dvaarik Commission. Ever.
Aggregator platforms take 15–30% of every transaction. Dvaarik takes 0% of your customer payments — you pay for usage credits, not a revenue share. If you pick Razorpay for auto-confirmation, Razorpay charges their standard gateway fee (around 2% for UPI/cards) directly — not paid to Dvaarik. Direct UPI deep link is ₹0 end-to-end.
| Platform | Commission |
|---|---|
| Dvaarik AI | 0% |
| Practo | 5–15% |
| Urban Company | 15–25% |
| Zomato | 15–30% |
| Swiggy | 15–25% |
On a ₹1,000 payment, Dvaarik takes ₹0.
Direct UPI: you keep the full ₹1,000. Razorpay: you keep ~₹980 (Razorpay's standard gateway fee, not ours). Aggregators like Zomato would've taken ₹150–300.
Payment Rules Set Up the Way You Work
Deposits, refund windows, settlement — we configure it all during setup so it matches how your business already runs.
Deposit + Balance Splits
Collect a deposit at booking time and the remaining balance at the appointment. We configure your split percentages during setup.
Smart Refund Policy
Full refund within 24 hours, partial refund between 6–24 hours — or your own rules. We set your refund window the way you run your business.
Dashboard Tracking
Real-time payment status in your dashboard. Track pending, completed, and refunded payments with daily summaries.
Links on Every Channel
Payment links go out wherever the conversation happens — chat, a voice call, or WhatsApp. The agent follows up if the link goes unpaid.
Fast Settlement
Direct UPI hits your bank instantly. Razorpay settles to your account by the next business day. No waiting weeks for payouts.
PCI-DSS Compliant
Card payments are processed through Razorpay's PCI-DSS Level 1 certified infrastructure. Zero card data touches your system — or ours.
How Payment Collection Plays Out
Salon: Deposit at Booking
A customer books a bridal package for ₹5,000. They pay a ₹1,000 deposit via UPI at booking time. The remaining ₹4,000 is collected at the salon after the service.
Clinic: Full Pre-Payment
A dental clinic requires full payment for cosmetic procedures. The agent collects ₹3,000 via Razorpay Checkout before confirming the appointment, cutting no-shows.
Restaurant: Order Payment
A customer places a delivery order for ₹800 through chat. A UPI deep link opens in their Google Pay, payment confirms in seconds, and the kitchen gets the order.
Get paid while the customer is still talking.
Tell us how you collect payments today, and we'll scope the payment flow your agent should run — deposits, refunds, and all.