How money flows
Every rupee is collected directly on YOUR payment rails. Quikkred runs the field operation and keeps the authoritative collection record — but never holds, routes, or touches your borrowers' money. Consequently cash is not accepted on your cases: the partner app removes the option entirely and the API rejects it.
The two modes
| Mode A — your static QR / bank (default) | Mode B — your gateway's links | |
|---|---|---|
| Money lands in | Your bank, directly | Your gateway/bank, directly |
| Borrower pays via | Your fixed QR / UPI ID / bank transfer, shown in the partner app | A link minted by your gateway, delivered by WhatsApp + email |
| Confirmation | Partner uploads proof → our ops verifies (OCR + duplicate-UTR checks) → webhook | You call payments/confirm on capture → instant webhook |
| Record in our CRM | Ledger row + proof image + verifying operator | Ledger row + your transaction reference |
| You build | Nothing | A mint-link endpoint + one confirm call |
| Confirmation latency | Ops verification (typically same day) | Instant |
Details: Mode A · Mode B · Reconciliation
The invariant either way: a payment.collected event is only ever emitted
for money that is verifiably in your account — proof-verified (A) or
confirmed by you (B). We never announce money before it is booked.