Payment Links

Generate Razorpay payment links for pending EMI collections. Borrowers receive a link to pay their EMI directly through UPI, cards, or net banking.

Features

• Pending EMIs - view all overdue/upcoming EMIs across loans
• Generate Links - create Razorpay payment links for individual EMIs
• Bulk Export - generate links for multiple EMIs and export as CSV
• Status Tracking - monitor link status (created, paid, expired, cancelled)
• Auto-Cancel - when a payment is captured via webhook, sibling links for the same EMI are automatically cancelled

Tabs

Pending EMIs

Shows loans with overdue or upcoming installments. Filter by lender. Each row shows:

• Loan ID, Client Name
• EMI Number, Due Date
• Amount Due
• Generate button

Generated Links

Shows all previously generated payment links with:

• Loan ID, EMI Number
• Amount, Payment Link URL
• Status (created / paid / expired / cancelled)
• Refresh status button

How It Works

1. Select a loan's pending EMI and click Generate
2. System calls Razorpay API to create a payment link
3. Link URL is stored in the database
4. Borrower receives the link (via SMS/email from Razorpay)
5. When payment is made:
   • Razorpay sends a webhook (payment.captured)
   • Webhook saves to RAW_*_RAZORPAY_API
   • Sibling payment links for the same EMI are auto-cancelled
   • Payment flows through dbt to CORE_TRANSACTION_DATA

Bulk Generation

Click Generate All & Export to:

1. Generate payment links for all visible pending EMIs
2. Download a CSV with loan IDs, amounts, and Razorpay link URLs
3. Share the CSV for SMS/WhatsApp distribution

API Endpoints

Method	Path	Description
GET	/api/payment-links/pending-emis	Fetch pending EMIs
POST	/api/payment-links/generate	Generate a payment link
GET	/api/payment-links/list	List generated links
POST	/api/payment-links/{id}/refresh-status	Refresh link status from Razorpay
POST	/api/payment-links/bulk-generate-export	Bulk generate and export as CSV