Ludhiana ke local dukandar bina QR code ke bhi online payment le sakte hain teen tarikon se: payment link (WhatsApp/SMS se bhejke), EDC/POS machine (card swipe/tap), ya missed-call/IVR-based payment request. Yeh especially useful hai Chaura Bazaar jaise hosiery wholesale market ke liye, jahan dealer-to-retailer orders phone se confirm hote hain,