Payments & GST
Check UPI payment screenshots before you ship
When a customer sends a "paid" screenshot on WhatsApp, BNM reads it and checks it, so a fake one does not cost you an order.
The basics
Why screenshots are not proof
A payment screenshot is easy to edit, and a real one can be sent twice. Shops often find out only when the money never reaches the bank.
BNM reads each screenshot and checks the amount, that it went to your UPI ID, that the reference number has not been used before and that the time fits. It then confirms the payment against your bank statement or bank alert. If it turns out to be fake, the order goes back to unpaid.
- Amount, payee, reference and time checked
- A reference used before is flagged
- Final proof from your bank statement or bank alerts
How it works
How it works
What happens to a screenshot
Sent in the chat
The customer sends a payment screenshot.
Read and checked
BNM reads it and checks the details.
Approve
You approve it, or let BNM approve small amounts on its own.
Bank confirmation
BNM later matches it against your bank statement or alert mail.
Fakes undone
A fake is flagged, the order goes back to unpaid and the customer can be blocked.
What you get
Screenshot check features
These come with BNM Pro.
Reused reference caught
A UPI reference that was used before is flagged.
Small amounts on autopilot
Choose an amount below which BNM approves on its own.
Bank match later
Every approval is checked against the bank side.
What it does not do
- It needs a WhatsApp number linked to BNM.
- An approval is provisional until the bank side confirms it.
- No bank lets anyone check a UPI reference directly, so the final proof is your bank statement or alerts.
Questions owners ask
Can BNM tell a fake screenshot at once?
It catches common signs, such as the wrong payee or a reused reference, and the bank match catches the rest later.
Do I have to upload my bank statement?
For the final check, yes, or forward your bank's payment alert emails.
Can I block a customer who sent a fake screenshot?
Yes. When a screenshot turns out to be fake, the order goes back to unpaid and you can block the customer.
Which plan has it?
The payment screenshot check comes with BNM Pro.
Stop losing orders to fake payments
Sign up free and switch on screenshot checks on Pro.