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How long does it take for payments to reflect in the system?

Tip

⚡ Quick answer: Payments via bank transfer or cheque generally take up to 24–48 hours to fully reflect, while online-gateway or UPI payments usually appear automatically within 24 hours. IMPS is near real-time.


When should I use this guide?


Consult this article whenever a customer or agent needs to know when a recent payment—by bank transfer, cheque, payment gateway, or UPI—will show up in the account.



1. Overview of reflection times


Payment method

Typical time to reflect

Notes

Bank transfer (NEFT/RTGS)

Same day – 24 h

Payments are manually uploaded by the accounts team twice a day.

IMPS

Near real-time

Included in the twice-daily upload.

Cheque

About 2 business days (T+2)

Includes bank-clearing time.

Online payment gateway

Up to 24 h

Payments received via payment gateways are updated automatically.

UPI (via gateway)

Up to 24 h

Same as above.



2. Bank transfer/cheque timeline


Payments are reflected in the system based on the payment method used:


For payments received via bank transfer (NEFT/RTGS/IMPS) or cheque:


  • Payments are manually uploaded by the accounts team twice a day during these time slots:
  • 12:00 PM – 12:30 PM
  • 06:00 PM – 06:30 PM
  • Cheque clearing usually takes about 2 business days (T+2).
  • Bank transfers like NEFT/RTGS can take from the same day up to 24 hours.
  • IMPS payments are near real-time.
  • After payment upload, an offline payment code is generated, which can be applied in the system to update the account and generate invoices.
  • Overall, bank-transfer payments may take up to 24–48 hours to fully reflect and settle.



3. Online gateway / UPI timeline


For payments made via online payment gateways:


  • Payments received via payment gateways are updated automatically in the system.
  • Payments can take up to 24 hours to fully process and reflect in the system.
  • In case of UPI payments, it may take up to 24 hours for the payment to reflect.
  • If payment is not reflected immediately, check the payment status with the bank or payment provider.



4. When a payment does NOT reflect


If a payment is not reflected:


  • Clients should verify with their bank if the amount was deducted.
  • If the amount was deducted but not reflected, wait for 2–3 working days for the amount to be reflected in the bank account if bounced.
  • If still not reflected after 2–3 working days, agents can raise a ticket with the accounts team with proof of payment.



5. Expected outcome


  • Bank-transfer or cheque payments appear in the system within 24–48 hours after manual upload and clearing.
  • Online-gateway and UPI payments auto-update and typically appear within 24 hours.
  • IMPS payments appear almost instantly after upload.



Keywords: payment reflection time, NEFT, RTGS, IMPS, cheque clearing, payment gateway, UPI, offline payment code

Updated on: 30/01/2026