Online payments

Payment links from any bill — customers pay by JazzCash, Easypaisa, card, Raast or buy now, pay later on my.hayaterp.com, and the payment is recorded on the bill and in the books by itself. Also the virtual terminal and card machines at the till.

A payment link is a web address for one bill. You send it by SMS, WhatsApp or email; the customer opens it on their phone, picks how to pay, and the money is recorded on the bill automatically — the fee voucher, folio, booking, invoice or restaurant order shows it paid and the journal is posted. Nobody types the receipt.

Links work for school fee vouchers, hotel folios, travel bookings, hospital bills, sales invoices, shipping invoices and restaurant orders, and for amounts with no bill at all (the virtual terminal).

Who does what

The ready-made Accountant role can see links and make them; Admin has everything.

The overview

Online payments shows what was collected today and this month, open links, BNPL to be paid out, money by method, BNPL by provider and today's card-machine charges. Red and yellow bars at the top warn about payments that were taken but could not be recorded, links paid twice and Raast payments to confirm.

Send a payment link

The quickest way is the bill's own screen.

A link without an amount always asks the bill what is due when the customer pays — if the parent paid part at the desk meanwhile, the link asks only for the rest. Links stay valid for 72 hours by default (Gateway settings → Links stay valid), anything from 1 hour to 90 days.

Payment links lists every link with filters by status (Open, Paid, Expired, Cancelled), kind, dates and a search. Click a link to see its address (Copy, Open), the amount, validity, each attempt the customer made, send it again or Cancel link. + Link for a bill makes a link from a bill type and id — normally you use the bill's own button instead.

The pay page

The customer opens my.hayaterp.com/pay/… on any phone — no app, no sign-in. The page shows your business name and logo, what is being paid, the amount to pay and until when the link works, then How would you like to pay?:

After paying the customer sees Checking your payment… and then Paid. Thank you! with the method and reference, and gets an SMS confirmation. A link that has expired or was cancelled says so and asks them to contact you. In Sandbox or test mode the page shows Test mode: no real money is taken.

Raast: manual or through a bank

Raast is the State Bank's instant payment system: any bank or wallet app can send to your Raast ID or IBAN. Hayat supports two ways (Gateway settings → Raast):

• Manual: show our Raast ID / IBAN, staff confirm the credit. The customer sends the money from their own app, types the transaction ID and presses I have paid. Staff with payments.manage get an alert.
• Through a bank / PSP that confirms it. The pay page waits for the bank's confirmation (it checks every few seconds) and records the payment by itself. This needs an agreement and API details from your bank or payment provider.

To confirm manual Raast payments:

Buy now, pay later and payouts

With BNPL the customer pays the provider in instalments and the provider pays you — the whole bill is paid at once on your side. Until the provider pays out, the money sits in 1045 BNPL receivable.

Take a payment (virtual terminal)

For an amount with no bill in Hayat — a catering order, a deposit taken by phone — click + Take a payment, type the Amount, what it is For, and the customer's name, mobile and email, then Create link. You get a 24-hour link to send. For a phone order by card, Open card page opens the gateway's own card page where you type the card details the customer reads out — they never touch Hayat. The money is held as a customer advance (2300).

Payments received and problems

Payments received lists every online payment with its link, bill, customer, method and gateway reference, filtered by date, method and status:

• Recorded — on the bill and in the books.
• Not recorded — the money was taken but the bill refused it (for example the accounting period is closed or the module was switched off). The customer sees the link as paid so they do not pay again. Fix the reason, then click Record (or Record on the bill in the link's attempts).
• Paid twice — a second payment on a link that was already paid. Refund it from the gateway's merchant portal.

A payment is recorded exactly once, even when the gateway calls back twice. A payment that arrives after the link expired or was cancelled is still recorded, because the money was taken.

Card machines at the till

Link a card machine to a POS till and the cashier no longer types the amount into the machine: the till sends it and the approval comes back by itself.

At the till the cashier chooses Card and presses 📟 Send to card machine — see Point of sale → Card machine. The Charges list shows every charge of a day with its status, approval code and card.

Gateway settings

Online payments → Gateway settings (payments.manage) decides how customers can pay:

Passwords, salts and keys are write-only: the field says saved — type to replace, and leaving it blank keeps the saved value. Get the merchant details from JazzCash, Easypaisa, your bank (Raast) or the BNPL provider; test in Sandbox, then switch to Live.

Workflow

Where the money goes

The payment is recorded on the bill through the bill's own receipt — the same as taking it at the desk — so the journal credits that bill's receivable. Only the debit side is new:

A school voucher paid online keeps any extra as an advance, like a payment at the desk. These postings happen even when the Accounts module is off — see How every module reaches the accounts.

On the phone

The School, Hotel, Travel, Hospital and Sales apps have a Send · pay link button on vouchers, folios, booking files, bills and invoices. Hayat Manager → More → Messages & payments shows collected today and this month, open links, Raast to confirm, BNPL to receive and the payments received today. Customers can also pay from the customer portal and the Hayat My app.