Send a GST quote during the call: online acceptance and UPI payment to your own account
Interest is highest while the customer is still on the line. How to put a clear quote with GST and any discount in their hands before the call ends, let them accept it online and pay by UPI, and follow up without chasing.
Most sales calls end the same way: the customer likes what they heard and asks for the price “in writing”. The agent promises to send it, the quote goes out the next afternoon as a PDF or a screenshot, and by then the customer has asked two other sellers for theirs. The written price arrives after the interest has cooled.
The fix is simple to describe and needs a little set-up to do well: build the quote on the call, send it while the customer is still listening, and give them a way to accept it and pay from the same page. This article covers what a good quote contains, how GST and discounts should be worked out, what the customer sees, and how to follow up on a quote that has not been accepted yet.
Why the quote should arrive before the call ends
- The customer can open it while you are both on the line, so questions about a line item or the tax get answered at once instead of in a message thread two days later.
- You hear the reaction to the total. A pause at the price is an objection you can handle now; silence on WhatsApp the next day is not.
- It fixes what was agreed. The items, quantities and discount you discussed are written down while everyone remembers them the same way.
- It sets the next step. “Accept it on the page and the pay button is right below” is a clearer close than “let me know what you think”.
What a good quote contains
A quote is a short, specific document. It should be readable on a phone in one scroll and leave nothing for the customer to ask about.
| Part | What to put in it |
|---|---|
| Items | Names the customer recognises from the call, not internal product codes. One line per thing they are buying. |
| Quantity and price | Unit price before tax, so the GST is visible rather than buried in the figure. |
| Tax | The GST rate on each line. Different items can carry different rates. |
| Discount | An amount, shown as its own line, so the customer sees exactly what was given. |
| Validity | A real last date. Prices, stock and offers change, and an open-ended quote is an open-ended negotiation. |
| Terms | Delivery time, what is included, payment terms. Two or three lines, not a page of fine print. |
Getting GST and discounts right
A discount is taken off before tax, so GST is charged on the discounted value. Take a single line of ₹10,000 at 18% with a ₹1,000 discount: the taxable value is ₹9,000, the tax is ₹1,620 and the total is ₹10,620. When a quote has several lines at different rates, the discount has to be spread across the lines in proportion to their value before each line’s tax is worked out. Doing that by hand mid-call is where mistakes creep in.
LumaKol does that arithmetic for you. Each line has its own tax rate, the discount is entered as an amount and taken off before tax, spread over the lines in proportion, and the subtotal, discount, tax and total are shown as you type. Check your GST rates with your accountant once and set the usual one as the default, and agents will not have to think about it on the call.
Building the quote on the lead, during the call
Quotes live on the lead, on the web and in the Android app, so an agent can make one while talking. Agents can quote their own leads; nobody needs to wait for a manager to prepare the document.
- Open the lead and tap New quote in the Quotes section.
- Add a line for each item: what you are offering, the quantity, the price per unit before tax and the GST rate, which is pre-filled from your default tax rate and can be changed per line.
- Enter a discount if you agreed one. It is optional and is taken off before tax.
- Leave the notes empty to use your default terms, or write something for this customer. Validity comes from your workspace setting; in the Android app you can pick a different last day. Then tap Create quote.
- Send it. On the web, Send opens WhatsApp with the message ready, and the copy button gives you the link for anywhere else; in the Android app, Share quote opens your share options. The message reads “Hi {name}, here is your quote {number} for {amount}” followed by the link.
Every quote gets its own number per workspace and year, such as Q-2026-0007, which is what the customer and your accounts team will quote back to you. Then say it on the call: “I have just sent it on WhatsApp. Can you open it while we are talking?” Walk through the total together, and ask for the decision.
What the customer sees
The link opens a clean page with no login. At the top are your business name, “For” and the customer’s name, the quote number, the date it was issued and the date it is valid until. Below that is a table of items with quantity, price, tax and amount, then the subtotal, any discount, the tax and the total, and your notes or terms.
- Accept quote and Decline buttons. Once accepted, the customer cannot take it back from the page; changing an accepted quote is your call, not the link holder’s.
- Print or save as PDF, for customers whose accounts department wants a file.
- A “Pay by UPI” box with the amount, the payee name and your UPI ID. On a phone, Pay with UPI app opens the customer’s UPI app with the amount and a note carrying the quote number already filled in; on a computer, they scan the QR code with any UPI app.
- After the validity date the page says “Expired on” that date, and the quote can no longer be accepted. The customer has to ask you for a new one, which is a reason to call.
The money goes to your UPI ID, not ours
An owner or admin sets this up once under Settings → Payments: your business UPI ID, the payee name customers see in their UPI app, the default tax rate, how many days quotes stay valid, and default terms that appear at the bottom of every new quote. Customers pay straight to that UPI ID from their own UPI app. LumaKol never holds or touches the money, so there is no settlement to wait for and no cut taken from the payment.
The pay box appears on rupee quotes when a UPI ID is saved; leave the field empty and the page shows the quote without it. Because the payment goes directly to you, LumaKol cannot see it arrive. When the money shows up in your bank or UPI app, open the quote and choose Mark as paid. Make that a habit for whoever reconciles payments, so the record matches the bank.
Following up on a quote
Each step lands on the lead’s timeline: quote created, customer opened it, accepted, declined, paid. “Opened” is counted when a person opens the page in a browser, not when WhatsApp fetches a link preview, so it is a real signal. The lead’s owner and whoever created the quote get a notification when the customer opens, accepts or declines it.
| Where the quote stands | What to do |
|---|---|
| Sent, not opened after a few hours | One short WhatsApp: “Sent you the quote earlier, have a look when you can.” Then a call at the time they gave you. |
| Opened, not accepted | Call soon. They are thinking about it now, and a question about one line is often all that stands in the way. |
| Accepted, not paid | Confirm the order and delivery date on a call, and point them to the pay button on the same link. |
| Declined | Call to ask why. Price, timing and a competitor are different problems with different answers. |
| Close to its valid-until date | A decision call a day or two before it expires. A deadline is a reason to call, not a threat. |
| Paid | Mark as paid, thank them, and set the next step: delivery, onboarding or the next order. |
Set a dated follow-up on the lead for each of these rather than relying on memory. Two habits keep quotes honest. First, do not change the price on a link the customer already has: a quote can only be edited while it is a draft, so void the old one and create a new one, and the customer always knows which number is current. Second, hold the validity date. If every expired quote is quietly reissued at the same price, the date stops meaning anything.
Discounts deserve a rule too. Decide who can give how much before the call, not during it, and keep the discount on its own line so a manager can see at a glance what was conceded on each deal.
Quotes and your pipeline numbers
When a quote is accepted or marked paid, its total becomes the lead’s deal value. Reports then show rupees alongside lead counts: the open pipeline, a forecast weighted by stage probability, money collected from quotes marked paid, and how many quotes were accepted out of those sent. A team that quotes on the call and marks payments promptly gets a revenue view without anyone keeping a separate sheet.
关于此主题的问题
Does LumaKol collect the payment or take a fee on it?+
No. The customer pays from their own UPI app straight to the UPI ID you saved in Settings → Payments. LumaKol never holds the money and takes nothing from it. Once the payment reaches you, mark the quote paid.
Can the customer pay by UPI if the quote is not in rupees?+
No. The UPI pay box only appears on rupee quotes, and only when a UPI ID is saved. Quotes in other currencies show the items and totals, with accept and decline, but no pay box.
Can I change a quote after sending it?+
Only a draft can be edited. Once a quote has gone out, void it and create a new one, so the customer is never looking at a price that changed under the same link.
Is the quote a GST invoice?+
No. It shows a single tax total and is an offer, not a tax invoice. Issue your GST invoice from your usual billing or accounting software after the customer pays.
How do I know the customer has looked at it?+
The lead’s timeline shows when the customer opened, accepted or declined the quote, and the lead’s owner and the quote’s creator get a notification at each of those moments.