⚡Quick answer -
Payments via bank transfer or cheque generally take up to 24-48 hours to fully reflect, while online-gateway or UPI payments usually appear automatically within 24 hours. IMPS is near real-time.
Consult this article whenever a customer or agent needs to know when a recent payment—by bank transfer, cheque, payment gateway, or UPI—will show up in the account.
Payment method | Typical time to reflect | Notes |
Bank transfer (NEFT/RTGS) | Same day – 24 h | “Payments are manually uploaded by the accounts team twice a day.” |
IMPS | Near real-time | Included in the twice-daily upload. |
Cheque | About 2 business days (T+2) | Includes bank-clearing time. |
Online payment gateway | Up to 24 h | “Payments received via payment gateways are updated automatically.” |
UPI (via gateway) | Up to 24 h | Same as above. |
Payments are reflected in the system based on the payment method used:
• Payments are manually uploaded by the accounts team twice a day during these time slots:
• Cheque clearing usually takes about 2 business days (T+2).
• Bank transfers like NEFT/RTGS can take from the same day up to 24 hours.
• IMPS payments are near real-time.
• After payment upload, an offline payment code is generated, which can be applied in the system to update the account and generate invoices.
• Overall, bank-transfer payments may take up to 24-48 hours to fully reflect and settle.
For payments made via online payment gateways:
• Payments received via payment gateways are updated automatically in the system.
• However, payments can take up to 24 hours to fully process and reflect in the system.
• In case of UPI payments, it may take up to 24 hours for the payment to reflect.
• If payment is not reflected immediately, it is advised to check the payment status with the bank or payment provider.
If a payment is not reflected:
• Clients should verify with their bank if the amount was deducted.
• If the amount was deducted but not reflected, wait for 2-3 working days for the amount to be reflected in the bank account if bounced.
• If still not reflected after 2-3 working days, agents can raise a ticket with the accounts team with proof of payment.
• Bank-transfer or cheque payments appear in the system within 24-48 hours after manual upload and clearing.
• Online-gateway and UPI payments auto-update and typically appear within 24 hours.
• IMPS payments appear almost instantly after upload.
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