Q: How to accept payments without a payment provider.

I am a developer who does pro bono work for a number of charities and non-profits (all section 80G). I appreciate the service that RazorPay and PhonePe provide for me, but considering that money is always in short supply, losing 2.5% (in fees and taxes) is not fun.

I'd like to expose a simple payment interface that exposes a QR code and NEFT information, to capture details like name, email, PAN etc (for compliance). I can do this now, but once I show the QR code on the page, I have no feedback whether their payment went through or not. I'd like to be able to correlate their details with the bank receiving the information.

I'd appreciate any suggestions. I'm happy to write the server side code (if necessary) and open source it, but also happy to use other services that may be charging a lot less for charities.