Payments7 min read24 February 2026

Protected Payment for B2B Transactions: How VyaparSethu Eliminates Bad Debt in India

B2B payment fraud costs Indian businesses ₹1,200 crore annually. Protected Payment holds the buyer's funds until delivery is confirmed — protecting both sides. Here's exactly how VyaparSethu's payment pipeline works.

"Payment ho jayega" — the three words that cost Indian MSMEs ₹1,200 crore every year.

VyaparSethu's answer: Protected Payment. Funds leave the buyer's account the moment the order is placed — and reach the supplier only when the buyer confirms delivery.

How Protected Payment works:

Step 1: Buyer pays into escrow When a buyer accepts a quotation, they pay the agreed amount into VyaparSethu's Razorpay nodal account. The money is not accessible to the supplier yet.

Step 2: Order is dispatched Supplier ships the goods and uploads the dispatch proof (LR copy, invoice, photo) on VyaparSethu.

Get Payments Supplier Quotes

Post your Requirement free — verified suppliers respond with competitive quotes within 24 hours. Every deal is covered by Protected Payment (escrow).

Step 3: Buyer confirms delivery Buyer receives goods, inspects quality, and clicks "Confirm Delivery" on VyaparSethu. A 72-hour countdown begins.

Step 4: Automatic settlement If the buyer confirms delivery, funds are released to the supplier within 24 hours. If the buyer raises a dispute, VyaparSethu's dispute team reviews within 48 hours. If no action is taken after 72 hours, funds are automatically released (protects supplier from buyers who ghost).

Why suppliers trust it: Funds are already in escrow when the order is placed — no more chasing payment 30 days later.

Why buyers trust it: Funds only release when delivery is confirmed — no more paying for goods that never arrived.

Settlement timeline: 7 days from order confirmation to supplier bank account.

Post your Requirement in 90 seconds

Voice, video, or text. Verified Suppliers quote within 24 hours. Protected Payment ensures funds release only on delivery.