Payment Follow-Up Scripts

Ask for the 12-digit UPI reference number from their payment app and a screenshot showing the time. With that number your bank can trace the credit. If their account was debited and you were never credited, it is a failed transaction, not a lie — RBI turnaround-time rules make the bank reverse it, and they should raise it in the app. Do not ask anyone to pay twice before that number is checked.

Keep it short, name the exact figure, and give a reason about the piece rather than about your need: the karigar slot, the rate the quote was held at, the parcel waiting to go. “Didi, ₹4,200 balance pending hai — piece ready and packed, aaj bhej dun?” does more than a paragraph. Send it one to one in working hours, never through a broadcast list, and never as a public comment on their post.

Enough to cover the metal you must buy that day. The gold rate moves daily, so a quote given on Monday cannot be held to Friday, and trade practice is part payment at order and the balance before delivery. Write the piece, weight, rate quoted and advance on a receipt the same day, keep it in your order book as an advance, and raise the tax invoice when the piece is handed over — a finished piece handed over ready-made is one supply of goods, so 3% covers the whole value with making included.