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Payment and fintech companies · Sales process

Record where each merchant stops between signup and the first live payment.

A sales process for a payment or fintech company is the set of steps from a merchant's first enquiry to a first live payment, with a person named for each step. GullySales writes the steps in your own terms, adds the papers each one needs, and records where merchants stop.

Tell us what you needor call +91 80958 58589

Scope, fee, reporting and term are agreed in writing after we have read your brief and spoken to you.

Editorial illustration for Sales process design and implementation

What sales process means

A sales process is the fixed sequence of steps, such as enquiry, site visit, quote and order, that every deal is expected to pass through in the same order. GullySales writes this sequence down for your business and checks that every salesperson actually follows it.

Also for payment and fintech companies

Sales and marketing for payment and fintech companies, the overview.

Last updated 6 Oct 2026. Rules for this trade differ by state and professional body, and they change. We describe restrictions in general terms, so check the current position with your own council or adviser before you publish anything.

For payment and fintech companies

Where it usually goes wrong, and what we would do.

  • “Sales stops at signup but revenue starts at the first payment”

    A merchant who signed and never sends a transaction pays you nothing, yet the salesperson counts the deal as closed.

  • “Self-serve and assisted sales sit in one pipeline”

    A small seller who needs a plugin and a document list follows a different path from a company needing a security review, but both are tracked as one.

  • “The rate is quoted before the volume is known”

    A rate given before anyone asks about the platform, average order and refund pattern gets renegotiated, or turns out not to pay.

What we do

What we deliver for payment and fintech companies.

Every deliverable, what it covers for you, and the result it is there to produce. Nothing here is an extra.

  1. Steps named in your own terms

    Enquiry, qualification, documents, integration, test payment, rate agreement and go-live, each with an owner and a record.

    Result: Everyone says the same word for the same stage.

  2. Qualification questions

    Platform, goods or service sold, payment methods wanted, refund pattern and current provider with the reason for leaving, set out as a call script and a form.

    Result: The first call finds out what the second call needs.

  3. A document checklist by type of business

    A one-page list for proprietorships, partnerships, companies and trusts that sales can send straight away. Rules vary by provider and partner bank.

    Result: A merchant starts KYC with the right papers.

  4. Quote rules

    Who may quote, what must be known before a rate is discussed and who approves an exception, written on one page.

    Result: Rates stop being invented on the phone.

  5. An integration handover

    A named support engineer, a test checklist and a go-live sheet shared with the merchant's developer.

    Result: The developer knows who to ask.

  6. Stage record and reasons for stopping

    Each merchant's stage, date and reason for stopping, so you can see whether KYC, integration or price is where they leave.

    Result: You fix the step that loses merchants.

How the result is measured

  • Deals following the process
  • Time spent at each step
  • Drop-off rate by step

Recorded as a baseline before work starts, so every later report has an honest comparison.

Read the full sales process design and implementation page

Steps of a sale

The steps from a merchant's first message to the first live payment, in the words a payments team uses.

Enquiry
Record how the merchant arrived, their platform and what prompted the search. Reply as a person with the document list for their kind of business, not with a brochure.
Qualify
Ask what they sell, which platform they run, the methods they want and the provider they use now. Note any refund or chargeback history, since your risk team will ask.
Documents and KYC
Send the checklist for their type of business, track what has arrived, and say what is missing in one message. Record the stage in the CRM so nobody asks twice.
Integration and test payment
Introduce the support engineer and share sandbox keys with a test checklist. Record when the first test payment succeeds and any error the merchant hit.
Rate agreement
Quote once the earlier steps are known. Put the fee lines, what each covers and what costs extra in writing, and record who approved any exception.
Go-live and first payments
Confirm the first live transaction and the first settlement credit with the merchant. Treat the sale as won only then, and ask what nearly stopped them.

Who it is for

This is written for these payment and fintech companies.

  • Payment gateways and aggregators for online sellers
  • UPI and QR providers with soundboxes and card machines for shops
  • Prepaid wallet and card issuers working with a partner bank
  • Digital lenders and buy-now-pay-later apps working with a bank or NBFC
  • B2B payment, vendor payout and payables platforms
  • Payroll, expense and corporate card tools for companies
  • Cross-border payment and remittance platforms
  • Neobanks and current account apps for startups and small businesses

How it works

From your first message to the first report.

No open-ended retainer. Every step gives you something in writing.

  1. First

    Your brief

    You tell us what you need in a few short steps: your business, what you want, where enquiries come from and how they are handled.

  2. After the brief

    A conversation and a written scope

    We read it, then talk with whoever handles your enquiries. If you want our help, the scope, the fee and the reporting come in writing, and nothing starts before you have read them.

  3. Before work starts

    Baseline recorded

    The numbers this work is meant to move, such as enquiries, quotations, orders, visits or renewals, written down so every later report has an honest comparison.

  4. After the baseline

    The first fix goes live

    The fix we agreed to start with is put in place and measured against the baseline, whether that is a reply, a follow-up, a page, a listing or the handover between marketing and sales.

  5. As agreed

    Report against the baseline

    What moved, what did not, and what changes next, in plain words. How often you get it is set in writing before work starts.

  6. At renewal

    Renew on the numbers

    The term ends and you decide whether to continue from the results. The length is agreed in writing before anything starts.

How the sales process work runs

  1. 1

    Study current deal flow

    We trace how deals actually move today, comparing across reps and outcomes.

  2. 2

    Define the stages

    Clear stages and criteria are designed to match how deals genuinely progress and close.

  3. 3

    Configure the CRM

    The process is built into your CRM so it is enforced structurally, not just documented.

  4. 4

    Train the team

    Reps are trained on the new process and why each stage exists.

  5. 5

    Review adoption

    We check after rollout whether the process is being followed and adjust where it is not.

Why us

Why owners pick GullySales over an agency.

  • Marketing and sales, as one job

    Most agencies stop at the enquiry. We also fix what happens after it: the reply, the follow-up, the quote and the CRM.

  • The person on the first call does the work

    No account managers in between. You are never handed to someone you have not met.

  • A baseline before anything starts

    Your numbers are written down on day one, so every later report compares against something honest.

  • The fee in writing, split three ways

    Our time, your media spend and production on separate lines. You always see what goes to us.

  • No guarantees we cannot keep

    The term is agreed in writing and never a default twelve months. We never promise a ranking or a lead count, because nobody controls those.

  • One office, and we say so

    Nagarbhavi, Bengaluru. We work across India by call and WhatsApp and travel when a session needs to be in person.

#257, 3rd floor, Sri Nanjundeshwara Complex, Nagarbhavi 8th Block, Outer Ring Road. How we work.

Your brief

Tell us what you need, and we will read it before we call.

Eight short steps about your business, what you want and who decides. Most questions are a tap, and you can skip any you would rather answer on the call.

Tell us what you needor call +91 80958 58589

FAQ

Questions owners ask before they call.

Not here? More answers, or ask on WhatsApp.

Tell us what you need
Who should handle integration support, sales or engineering?
Sales owns the relationship and the document list. A named support engineer owns the technical steps. A merchant should never be passed between the two without being told who has the next action.
When should we quote a rate?
After you know the platform, the kind of goods, the average order and the refund pattern, and after risk has a view. A rate quoted earlier gets screenshotted and renegotiated.
How do we handle a buyer who wants only the lowest rate?
Ask what they pay now and what it includes: settlement, refunds, support and hold policy. Show what a held settlement does to a seller's cash flow, and let them decide. If they leave on price, record it as price, not as lost.
What goes in the CRM after a call with a merchant?
The merchant's platform, the provider they use now, why they are looking, which papers are pending, and the next action with a name and a date. Add other notes only if someone will read them.
How much does it cost?
There is no price list, because the work differs by business. The fee is scoped after we have read your brief and spoken to you, and put in writing before anything starts, split into our time, your media spend and production.
How long is the contract?
The term is agreed in writing after we have spoken, along with the fee and the reporting. It is never a default twelve months, and renewal is decided on the numbers against the baseline recorded at the start.
How soon will we see results?
It depends on the trade, the channel and what is already in place. After we have read your brief and spoken to you, we say what we would expect to move first and how it will be measured against the baseline. Nothing here is guaranteed.
Who will actually do the work?
The person you speak to before anything starts. We work from one office in Nagarbhavi, Bengaluru, with no account managers in between.
What do you need from us?
Your brief, and a conversation. After that, access to whatever this work touches, such as your website, your accounts or your enquiry record, and time with the people who handle your enquiries.
What if we are not happy with the work?
Tell us and the plan changes. Everything is reported against the baseline, so a number that is not moving is visible to both sides. The term is in your written scope, and the refund and cancellation policy sets out the rest.

From the blog

Further reading for payment and fintech companies.

All articles

More for payment and fintech companies

Everything else we would do for you.

Or start from the overview: sales and marketing for payment and fintech companies.

Your next practical step

Tell us what you are trying to grow, and we will read it before we call.

Eight short steps, mostly taps. Skip anything you would rather answer on the call.

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