![\"\"](\"https:\/\/ssamiti.org\/help\/wp-content\/uploads\/2023\/03\/Screenshot_2023-03-31_08-48-34-186x300.png\")
Last year our members struggled on filling up forms as the system collapsed and a plethora of Google forms came up in it’s place. The payment itself was probably smooth as it was done outside the website .<\/p>\nLast year our members struggled on filling up forms as the system collapsed and a plethora of Google forms came up in it’s place. The payment itself was probably smooth as it was done outside the website .<\/p>\n
This year , I can vouch that the time from login to payment gateway was reduced to less than a minute and it was the payment process itself that proved difficult and time consuming.<\/strong><\/em><\/span><\/p>\n Before I go into the nitty gritties I would like to clarify a few issues.<\/p>\n The Basics<\/span><\/strong><\/span><\/p>\n 1. It is not an SSS website issue. Some members actually wanted me to add the SBI or HDFC option. Sorry, it cannot be done at SSS website.<\/em><\/span><\/p>\n 2. Gateways have agreements with banks on terms and conditions on support. It is a dynamic process.<\/span><\/p>\n 3. Transactions fail due to a number of reasons..<\/span> The Process<\/strong><\/span><\/p>\n 1. Payment initiated .<\/strong><\/p>\n Member enters an amount and communicates with api (UPI, card ,net banking)<\/p>\n 2. Payment authorised<\/strong>. Bank asks for OTP etc to verify before confirming the payment.<\/p>\n 3. Payment captured<\/strong> . After due verification by the bank, razorpay captures the payment. What can go Wrong<\/strong><\/span><\/p>\n There are more things that can go wrong than go right as there are a number of agencies involved even in a simple transaction. Many developed countries have not achieved this level of digital transactions, as\u00a0 Bharat has.<\/p>\n I give a screenshot of actual attempts to make payments during last one week on our web site.<\/p>\n <\/p>\n <\/p>\n As can be seen there have been 44 failures out of 117 attempts. here I might add that for someone who routinely does these transaction, the failure rate is not that high. With all modesty, I say,\u00a0 I have had 18 out of 19 transactions through successfully on the same platform, mainly because of following a right procedure, and using devices that work for me. (A Laptop computer could be a big pain while an Android phone could do wonders)\u00a0 \u00a0It is during that one failure , that I learnt a lot about the payment gateway.<\/span><\/em><\/strong><\/p>\n It can also be seen that 28 of the 44 are due to customer drop-offs.\u00a0<\/strong><\/span><\/p><\/blockquote>\n Causes for Payment Failures<\/strong><\/span><\/p>\n 1. Most of the failures happen between initiation and authorisation..due to OTP issues , filling of incorrect card details.<\/span><\/strong><\/p>\n 2. The next cause is failure \/ non availability of bank’s server.<\/span><\/strong><\/p>\n 3. In rare cases, after authorisation by the bank, razorpay keeps the payment on hold or captures after a long delay. (During this time , SSS application misses the payment and no receipt is generated for the user)<\/span><\/strong><\/p>\n What can be done by the user<\/strong><\/span><\/p>\n 1. Every user has one app or card that he can rely on fully.<\/p>\n 2. Ensure that your browser permits javascript and there are no firewall etc blocking a web site. It is not just one site , but a number of sites that your system communicates with during a transaction, not to mention a number of advertisements being pushed on to your screen by javascripts.<\/p>\n (What works for me best is to fill an application or place an order on laptop – browser but do the actual payment using a smartphone and gpay.)<\/strong><\/em><\/span><\/p>\n<\/blockquote>\n That’s the reason there’s not many failures when we pay at a retail store using QR code; something that even a thele-wala is comfortable with.<\/p>\n 3. Ensure your internet is ok. One doesn’t need a blazing speed but it should be reliable.<\/p>\n 4. In case of a failure, don’t try again immediately ( unlike an ticket for airfare , the premiums don’t rise with demand, so there’s no need to hurry or panic)<\/p>\n Try after an hour or so. By then the earlier attempt by you might have gone through.<\/p>\n 5. If one app or card does not work, try another method .<\/p>\n What can be done by SSS<\/strong><\/span><\/p>\n 1. Go for additional gateway so that maximum banks are covered.<\/p>\n 2. Have a system in place for manual entry of razorpay transactions which ensures automatic generation of Receipt.<\/p>\n Feedback and comments welcome.<\/p>\n Thanks.<\/p>\n Note<\/span><\/strong><\/span><\/p>\n Adding a short video of payment through QR Code.<\/p>\n
\none out of three cases failed in transactions by our members and major reason on our case is ‘Customer drop out ‘ not ‘Bank Failure’<\/span><\/p>\n
\nIt takes another day or too to pass on this amount to SSS bank account, which is called the settlement process.<\/p>\n![\"\"](\"https:\/\/ssamiti.org\/help\/wp-content\/uploads\/2023\/03\/Screenshot_2023-03-31_08-57-08.png\")
<\/p>\n\n
\n