Bahmni Payment Lite for Clinics (Crater)

As part of Bahmni Lite for Clinics, we would like to ship Bahmni with a light-weight Payments/Billing management solution (rather than Odoo). Odoo would still be the choice for hospitals.

Crater

The team is evaluating an opensource lightweight payments/invoicing management system called Crater (AGPL v3 License)

  1. GitHub URL: https://github.com/crater-invoice/crater

  2. Demo: https://demo.craterapp.com/?autologin=true

Analysis of Crater

Crater is an invoicing solution, but not really a payment gateway service. It makes sense to use Crater to generate invoices. But, this can be used as accounting software for Bahmni Lite in the backend. Paytm and Cashfree have a unique feature called Payment links. These links can be generated and sent to the customers who use it for payment.

Crater supports dockerization. This is particularly helpful to launch the crater app really quickly since we don’t really need to play with the source code. The app would be running and we could use the Crater APIs.

Crater has APIs for creating customer accounts and generating invoices. Staff in the hospital can fill a form and the Bahmni Lite backend could

More Information

  1. https://docs.google.com/presentation/d/13m5RPHWzI1oas3e_gjsEyaNG148JLfkJp8JgzTHrI8M/edit?usp=sharing (Contact @Atish Sisodia (Deactivated) or @Venu Vardhan Reddy Tekula from Beehyv team)

  2. https://docs.google.com/document/d/1SK4UypCWWRh1EeJ7SgVuw_xCzptptmaIe8XxW0MPAW8/edit?usp=sharing (by @Venu Vardhan Reddy Tekula from Beehyv)

Payment Gateway

Based on criteria, “No additional charges should be levied on the patients”, Paytm and Cashfree are better solutions. 

Comparison between Paytm and Cashfree

Both Paytm and Cashfree have almost equal charges levied on different types of payment types. Both have good documentation and tutorials on how to implement the gateway to the apps and how to customize if needed. Both are similar in most of the cases.

But, Paytm has a slight upper hand over cashfree since it also has an app and the gateway can launch the app for the transaction thereby helping the user to complete the transaction quickly (people sometimes save their card info on the paytm app which can be used for the transactions).

Metric

Paytm

Cashfree

Metric

Paytm

Cashfree

UPI (& Rupay debit card) trxn charges

0%

0%

credit card charges

1.99%

1.90%

debit card charges

0.9% (max)

1.90%

netbanking charges

1.99%

1.90%

international payment charges

2.9%

3.5%

dashboard

Yes

Yes

web & mobile support

Yes

Yes

settlement time

T+1 working days

T+1 working days

react native support

Yes

Yes

github demo

paytm/paytm-allinonesdk-react-native

cashfree/react-native-pgsdk-demo-app

popularity

very popular among businesses and individuals

popular among businesses

ease of integration

Easy

Easy

 

More information: Comparing cashfree and paytm

  • Demo:

  • API docs:

  • Demo:

  • API docs:

More Detailed Information

(by @Venu Vardhan Reddy Tekula from Beehyv)

 

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