GST + Mixed Payments: How DRP-OS Handles Cash, UPI, Card & Partial Payments

A typical Indian clinic billing moment:

"Doctor, I'll pay 1,500 in cash. The rest 1,000 — can I PhonePe you 500 now and the remaining 500 when I come back next week?"

Most clinic software cannot handle this. They want one payment, one mode, one transaction. Partial payments? Not supported. Split between cash and UPI? Forget it.

So you end up keeping a side register: "Mrs. Sharma — owes ₹500, balance from last visit." That register lives in your head, gets lost when staff change, and creates awkward "haan haan, last time pending tha?" conversations.

DRP-OS Clinic was built knowing how Indian clinics actually take money. Here is how.

Six payment modes, one bill

For each visit, the bill can be paid via any combination of:

• Cash — physical rupees
• UPI — PhonePe, GPay, Paytm, BHIM
• Card — debit, credit
• Bank transfer — IMPS, NEFT, RTGS
• Cheque — for old-school patients or corporate accounts
• Other — for unusual cases

A single ₹2,500 bill can be split however the patient wants: ₹1,500 cash + ₹500 UPI + ₹500 pending. The system records each portion separately.

Four payment statuses

• Unpaid — no money received yet
• Partial — some paid, balance pending
• Paid — fully paid
• Refunded — money returned to patient

You always know at a glance where each bill stands. Your dashboard shows total receivables. Your reports tell you which patients have outstanding balances. No more mental tracking.

GST handled the way Indian law expects

For products sold from your clinic (medicines, supplements, equipment), GST is handled properly:

Field	Example
Price excluding GST	₹84.75
GST percentage	18%
GST amount	₹15.25
Final MRP	₹100.00

You enter any one value, the system calculates the others. Whether you think in terms of MRP and back-calculate GST, or think in terms of base price and add GST forward — both work. Indian clinics often see medicine pricing as MRP-inclusive (because that's how stockists invoice), so the system handles the reverse calculation correctly.

Different GST slabs per product

Medicines often sit in different GST brackets:

• 0% — for life-saving drugs
• 5% — for most regular medicines
• 12% — for some specialized formulations
• 18% — for OTC supplements, equipment
• 28% — for some cosmetics or luxury items

You set the GST slab per product, the system applies it correctly to every line item in every bill.

Consultation fees are GST-free, medicines are GST-taxable

This is where most generic billing software breaks. Indian medical practice has a peculiarity: consultations are exempt from GST. But the medicines you dispense are not.

So a single bill might have:

• Consultation fee: ₹500 — no GST
• Paracetamol 12 tabs: ₹24 + 5% GST = ₹25.20
• Pantoprazole 7 tabs: ₹35 + 12% GST = ₹39.20
• Courier charges: ₹50 — no GST (you're a doctor, not a logistics business)

Total: ₹614.40, with ₹4.40 going to GST. The system handles this split automatically.

Counter sales for walk-ins without consultation

A patient walks in just to buy a tube of something — no doctor visit needed. Most clinic software requires you to create a full patient record, a full visit, just to take ₹80 for a Calamine lotion.

DRP-OS has a counter sale flow. Quick bill, no visit creation, the product gets sold, inventory deducts, GST calculates, done in 15 seconds. The customer doesn't even need to be in your patient records.

Courier billing for clinics that ship

Many Indian clinics now do courier dispensing — patient calls, you send the medicines via Delhivery or Blue Dart. The bill needs to include courier charges, which often vary by location.

You set a default courier charge in your clinic settings. For specific bills, you can override (a Mumbai patient pays ₹80 courier, a Bangalore patient pays ₹120). The courier charge is a separate line item — visible to the patient, included in the total.

Insurance and corporate billing

Some patients are paid by insurance companies or corporate health programs. The bill goes to the company, not the patient. DRP-OS lets you mark a patient as "insurance billed" or "corporate billed," generate the appropriate paperwork (corporate format invoices, claim forms), and track which company-paid invoices are still pending payment.

Tax-compliant invoice format

Every printed bill includes:

• Your clinic name, GST registration number, address
• Patient name and details
• Invoice number (auto-incremented)
• Date
• Itemised line items with quantity, unit price, GST percentage, GST amount, total
• Grand total in words and figures
• Payment breakdown showing what was paid in cash/UPI/card
• Outstanding balance if any
• Signature space for the doctor and patient

The same invoice format your CA expects, generated automatically every single time.

Audit-friendly

Every payment, every refund, every adjustment is logged with who did it, when, and from which IP address. For a GST audit, you can show the full history of any bill from the day it was created.

Try it

GST billing, mixed payments, courier charges, and invoice generation are all included in the starter plan at ₹1,499 per month.

Free 24-hour trial. Start here.

WhatsApp +91 9560793054 if you want help setting up your GST configuration.