Kirana-store ke liye “digital payment” ka matlab zyada tar sirf UPI-QR hota hai — lekin jaise-jaise business grow karta hai, credit-tracking (udhaar) aur monthly-billing jaisi zaroorat bhi aa sakti hai. Ye guide ek practical growth-path deti hai: kaha se shuru karein aur dheere-dheere kya add karein. 🛒 QR Se Shuru