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Need suggestion for UPI QR code for business.

Every bank provides qr and it's free,we have phonepe, bob, ICICI qr.They generally forcefully try to install the qr,how is your bank not helping.Which city are you in?
And charges are only for payments from cc,you can request to turn that off too.
 
whom to connect with in case paytm business app is showing payments settled but payment not recd in bank account....problem is... the UTR shown in paytm business app against the settlement is different from the UTR shown in bank account statement.
 
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