Merchant trust check

Verify payment proof before handing over goods.

Chetana helps shops and service businesses catch fake screenshots, suspicious UPI claims, local-language pressure messages, and handover fraud before they release goods, delivery, or service.

Use before handing over goods or dispatching delivery.
Turn screenshot pressure into hold, release, or wait guidance.
Works in 12 supported languages, including mixed local-language buyer messages.
Escalate to official rails only when loss is real or live.
Install on staff phones.

After install, staff can share suspicious payment messages or links into Chetana from WhatsApp, SMS, or browser tabs instead of retyping them at the counter.

Use your browser menu and choose Install App or Add to Home Screen if the install button is not offered automatically.
Instant demo

Run the existing merchant rail from this page.

This does not replace the backend. It repackages the current merchant packet logic into a simpler public landing page.

1

Upload or paste the proof

Capture the screenshot text, settlement claim, or chat proof. Add the amount, merchant UPI, and expected UTR if you have them.

2

Get hold or release guidance

Use the existing merchant assessment logic to see suspicious signals, next steps, and the safest immediate action.

3

Keep the evidence together

Preserve the screenshot, order notes, UTR expectations, and official rails so staff can act consistently under pressure.

How the verdict is built

Merchant review uses rules, identifiers, and pressure signals.

Method

Proof text first

Screenshot text, pasted settlement claims, and buyer chat are treated as evidence input, not as proof of payment by themselves.

Method

Identifier checks

UPI handles, claimed amount, UTR or reference expectations, and missing settlement details all shape the release or hold decision.

Method

Pressure patterns

Driver waiting language, hurry-up handover requests, and screenshot-only urgency are treated as real risk signals, especially in local-language messages.

Data

Minimal by default

Use light workflow first. Public checks can stay minimal; durable case records should be explicit operational decisions, not silent background storage.

Hold / release logic

Make the release decision explicit.

Hold

Use this when the proof is screenshot-only, the UPI handle does not match, the UTR is missing, or the buyer is creating urgency.

Wait for settlement

Use this when the claim may be real but the money is not visible in the merchant ledger or bank app yet.

Release

Use this only when the identifiers line up and the payment is visible in the official merchant account or settlement surface.

Merchant kit

Counter poster

Printable counter sign that sets the rule before a buyer starts pushing with screenshot-only proof.

Merchant kit

1-page staff SOP

Short operating flow for staff: capture the proof, check identifiers, confirm settlement, and keep the state explicit.

Merchant kit

Reply templates

Copy-paste responses for screenshot received, waiting for settlement, reference requested, and pressure handover refused.

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Chetana Personal

Free / forever

Basic scam checks, evidence saving, and the consumer front door.

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Merchant Pro

Later deeper queue

Multiple staff, richer queueing, exports, repeat identifier tracking, and stronger workflow controls.

Built by Active Mirror. Chetana Merchant stays tied to the same recovery and public-trust rails without forcing brand architecture to dominate the merchant conversion page.