Cashgram FAQs

When you create a large number of Cashgrams using the ‘Bulk Cashgram’ feature, you may want approval from the approver in your company before sending it to the customers. An approver can verify and approve the Cashgrams, and then send them to the customers.

One of the users in your company can add all the customer details in the file and upload the file and later another user can approve the Cashgrams. The approver has the option to accept or reject the Cashgrams. After approval, the Cashgrams are sent to customers, and you can view the status of the Cashgram in the Payout Dashboard.

The option to create multiple users and assign permissions can be done from the Payout Dashboard. Clickherefor more information. Write to Cashfree at care@cashfree.com, if you want to use the Approve Bulk Cashgrams feature.

If the customer enters an invalid bank account number or IFSC code we will notify him on the web page. But if the customer enters a valid but incorrect account number the money will be transferred to that bank account.

Cashgram is an instant payout link used by businesses to send money to their customers, vendors, or partners, even if you do not know their bank account details. Users can access the payment link sent via WhatsApp, email, or SMS, provide their details, and choose a payment method to receive the amount. Merchants can create a single Cashgram or create a larger number of Cashgrams at a time using the dashboard.

Cashgram helps businesses to instantly send money to users when bank account details are not known. With Cashgram, you can pay your vendors, partners, customers, or others instantly when you only know their mobile number or email address.

What changes in the new Cashgram? Creating a Cashgram With this new upgrade, you can now specify the type of disbursal you are doing with the Payout Type field (Example - refunds, reimbursements, rewards) and a brief note on why the disbursal is being made in the Payout Reason field.

Customizing your Cashgram checkout page: You can now customize your checkout page with logos and colors that reflect your brand. Here’s how you do it,

Login to the Cashgram dashboard Click on Settings > General > Branding Once in, you can upload your logo, add your brand color to customize your Cashgrams, and enhance the experience for the end-user

Here’s how the checkout experience will look like for your end-users:

You can create Cashgrams from your Payouts Dashboard or from the APIs. Ensure you have sufficient balance in your Payouts account before you create a Cashgram. The balance will be deducted from your Payouts account to send money to your customers.

To create a Cashgram,

Go to Payouts Dashboard > Cashgram > Cashgrams > click NEW CASHGRAM.

Enter the Cashgram Id, Customer Name, Amount to be transferred, Customer Phone, and Customer Email. The Cashgram Id helps you to track the Cashgram status.

Select an Expiry date. The Cashgram link will not be valid beyond this date.

Enter the Remarks.

Select the checkbox Send Cashgram Link via WhatsApp, Email, and SMS to user to notify the customer.

Click CREATE. The Cashgram link is created and sent to the customer. The customer can click the link and provide the required details to receive the payment.

Cashgram is a secure way to transfer money to your customers. Once you create a Cashgram for a user only that user with the provided phone number can use that Cashgram. Cashgram is also active only for a limited amount of time, you can control the expiry time of each Cashgram. Post expiry, no one will be able to view/redeem the Cashgram.

Once a Cashgram has been redeemed or expired, the customer will not be able to view it again.

You can use the dashboard to notify the user about their Cashgram. We will notify the customer over email or SMS.

Once the customer submits their bank details to redeem a Cashgram we will initiate a bank transfer from Merchant’s account to the customer’s bank account. If at that time the underlying bank systems are facing a downtime will send this transaction to a pending state. Once the bank systems are up and running we will process all these pending transactions.

If the user fails to get money using Cashgram, it will show up on your dashboard. Most users fail to get money because of exceeding OTP limits.

A Payout Link is a way to instantly send money to your beneficiaries without knowing their bank account details. You can simply create a payout link from the Cashfree Payments dashboard, and send it to your vendors/ customers on their email id or mobile number.

Once the customer redeems a Cashgram its status changes from ACTIVE to REDEEMED instantly. You will be able to view this on the dashboard. You will also be notified over email once a Cashgram has been successfully redeemed.

To use a Cashgram you need to have a Cashfree account. From your Cashfree dashboard, you can create a new Cashgram for a customer. The typical process is listed below-

The merchant creates a Cashgram filling in the customer’s phone number. The customer receives SMS and email notification about this Cashgram generated by the Merchant. The customer visits the Cashgram link, authenticates, and enters their bank details. The money is instantly transferred from Merchant’s account to the customer’s bank account.

To start using Cashgram you will need to sign-up with Cashfree. If you already have a Smart Payout account you can instantly start using Cashgram using the dashboard. Click on the “Cashgram” tab in the Smart Payout dashboard.

A Cashgram link may not work if it is in an Expired, Failed, or Reversed state. Cashgrams remain Active for up to 30 days or the specified duration and can transition to states like Redeemed, Expired, Failed, or Reversed based on the lifecycle. Check the Cashgram status on the Payouts Dashboard. If the Cashgram link sent to you has expired. Please get in touch with the merchant to get a new Cashgram.

Yes, the Cashgram recipient will be able to view and redeem their Cashgram at any time.

Every Cashgram has an expiry date. If the Cashgram is not redeemed before this expiry date, the Cashgram will become inactive. No one will be able to view/redeem such an inactive Cashgram.

We authenticate users using OTP so that only authorized users can view/redeem a Cashgram. Without a valid OTP, nobody can view/redeem a particular Cashgram.

If you have UPI enabled in your Smart Payout account your customers will be able to redeem a Cashgram to their UPI account.

If you have PayTM enabled in your Smart Payout account your customers will be able to redeem a Cashgram to their PayTM account.

Cashgram makes sending out money simple and easy. It takes away all the operational overhead associated with bank transfers or payouts. You can simply create a Cashgram with a few clicks. We will notify the user and they can redeem the money any time at their convenience.

Cashgram is a payout link with many additional features. You can customize your Cashgram links with your company logo and color to reflect your brand. You can also set up a link expiry time and verify the beneficiary’s name before sending out the money.

Please verify your mobile number with the merchant. You can receive the OTP via SMS or WhatsApp. If one method does not work, we recommend trying the alternative. In case you are still not receiving the OTP, Please reach out to us from here.

A Payout Link is a way to instantly send money to your beneficiaries without knowing their bank account details. You can simply create a payout link from the Cashfree Payments dashboard, and send it to your vendors/ customers on their email id or mobile number.

It seems that the Merchant entered a different mobile number while generating the Cashgram. Please reach out to the merchant to get this changed.

The money should be transferred into your account in some time. If you do not receive the amount within one hour please mail us at care@cashfree.com. Do mention your email id, phone number, Cashgram Id, and merchant name in your email.

A Cashgram transfer could fail because of network or banking infrastructure issues. Please reach out to the merchant so that they can generate a new Cashgram for you.

Cashgram can be redeemed to your bank account, UPI VPA, or PayTM. If any of the above modes is not enabled for you, please get in touch with the merchant.

A pending Cashgram transfer usually means that your recipient bank has not yet acknowledged the incoming transfer. Please wait for 24 hours, if you still have not received the money in your account, mail us at care@cashfree.com. Do mention your email id, phone number, Cashgram Id, and merchant name in your email.

If any of the above modes is not enabled for you, please get in touch with the merchant.