Ozonetel Systems, a company that offers the KooKoo cloud telephony solution for porting web services to telophony, has tied up with doorstep cash payment network Gharpay to offer offline payments through IVR (Interactive Voice Response). This means that companies will be able to offer a ‘pay cash after/before delivery’ payment option to customers who do not want to use their credit or debit cards over the phone. Following the tie-up KooKoo will provide the telephony interface, while Gharpay will take care of the logistics for collecting payments.

How It Works

Kookoo said that in order to integrate the cash collection on IVR, service providers will need to sign-up with Gharpay to get their credentials, following which KooKoo will offer a pay tag which has to be filled with the XML that Gharpay expects. KooKoo will then post the XML on behalf of the service provider and create the order, which can be managed by service providers from the Gharpay portal. Gharpay calls the customer upto three times to confirm collection details, failing which the payment transaction is rejected. According to C Chaitanya of Ozonetel, KooKoo does not charge its customers for integrating the service, so service providers only pay Gharpay for the collections.

Our Take

While service providers such as DTH companies, utility companies, ISPs and online movie or travel ticket booking services will be able to integrate cash payments over IVR through the service, we are still a little doubtful if they will fulfill service requests before collection.  Gharpay claims to have a reach of 550 pincodes, and says that it confirms payments at the customer’s doorstep, which reaches the service provider within 48 hours. Gharpay does not undertake delivery of physical goods. Although the service looks interesting for bill payments, it all depends on how the service provider fulfills service requests.  No doubt that with the low credit card penetration and concerns over technical glitches & security, a majority of Indians still like to pay by cash.

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