Every way India pays.
One checkout.
4 payment gateways, UPI, cards, net banking, wallets, COD, Wallet+COD split payment, gift cards, and QR payments — all built into a single, seamless checkout. Multi-gateway automated refunds included.
4 payment gateways. Pick yours.
Switch between gateways from your admin panel — one dropdown, no code changes. All 4 are pre-integrated and production-ready.
Razorpay
PrimaryOrders API, UPI QR codes, payouts (RazorpayX), webhook verification, saved payment methods, and refund processing.
Cashfree
SecondarySDK checkout, payment session creation, payout API for vendor disbursements, and webhook-based payment verification.
PayU
TertiaryHash-based redirect checkout with SHA512 verification. Success/failure callback URLs with automatic order status updates.
PhonePe
OptionalOAuth token-based integration with sandbox and production support. Redirect-based payment flow with status API verification.
10 payment methods. Zero friction.
UPI is how India pays. But not everyone uses UPI. Your checkout supports every payment method Indian customers expect — from ₹1 UPI to wallet+COD split payments.
UPI
The #1 payment method in India. Google Pay, PhonePe, Paytm, BHIM — all supported. Intent-based + collect-based + QR code.
Credit & Debit Cards
Visa, Mastercard, RuPay, American Express. Tokenised saving for repeat purchases. PCI DSS compliant via gateway.
Net Banking
Direct bank transfers from 50+ Indian banks. HDFC, ICICI, SBI, Axis, Kotak, and more. Redirect-based flow.
Cash on Delivery
Pay when you receive. COD fee (₹40 configurable), order limit (₹10K configurable). OTP verification at delivery. UPI QR fallback.
Wallet+COD Split
Use wallet balance for partial payment, pay remaining via COD. Automatic breakdown shown at checkout. Reduces COD risk, improves conversion.
Digital Wallets
Google Pay, PhonePe wallet, Paytm, Amazon Pay. One-tap payment from saved wallet balance. Instant confirmation.
Gift Cards
Digital gift cards with custom amounts and designs. Applied at checkout to reduce total. Partial or full payment. Balance tracking.
FlexiWallet
In-app wallet balance. Customers top up and pay instantly. Zero gateway fees on wallet transactions. Faster than UPI.
QR Code (UPI)
Razorpay QR API — single-use, auto-expires in 5 min. Delivery partner shows QR, customer scans. Webhook auto-confirms. Static UPI fallback.
Saved Cards
Tokenised card storage — Visa, Mastercard, RuPay, Amex. One-tap re-payment. "•••• 4242" display. Set default, mark expired.
Cart to confirmation in 4 steps
No account needed. Guest checkout included. Address, payment, review, done — with real-time shipping calculation and tax-inclusive pricing.
Wallet+COD split, COD safety, and multi-gateway refunds
The hard parts of Indian payments — wallet+COD split payments, COD with OTP + QR fallback, refunds that work across all 4 gateways, and webhook retry for zero stuck orders.
Wallet+COD Split Payment
Customers use their FlexiWallet balance for partial payment, pay the remaining amount via Cash on Delivery. Reduces COD risk and improves cash flow.
- Auto breakdown — wallet vs COD split shown at checkout
- Lower COD risk — partial prepaid reduces RTO
- Wallet deducted instantly — COD balance at delivery
- Webhook retry — failed payment webhooks auto-retry with exponential backoff
COD with Safety Net
Cash on delivery with multiple safeguards to prevent fraud and reduce RTO (return to origin).
- OTP at delivery — customer verifies identity
- UPI QR fallback — scan & pay at doorstep
- Order limit — ₹10K cap (configurable)
- COD fee — ₹40 default (configurable)
- No COD on digital — auto-blocked
Multi-Gateway Automated Refunds
RefundManager routes refunds to the correct gateway automatically — Razorpay, Cashfree, PayU, or PhonePe. No manual gateway selection needed.
- All 4 gateways — refund via original payment
- Partial refunds — refund specific items
- Wallet refund — instant to FlexiWallet
- Transaction logs — full audit trail
- Webhook verified — no manual checking
Checkout that converts
Guest checkout, delivery slots, multiple addresses, open box delivery, gift wrapping — every feature that reduces cart abandonment.
Guest Checkout
No login required. Guest enters address inline. Order stored in session. Track via order number + email.
Delivery Slots
Customers pick a delivery date and time slot. Configured per zone. Capacity-limited per slot.
Multiple Addresses
Ship different items to different addresses. Split shipments generated automatically.
Open Box Delivery
Customer inspects before accepting. 5-point checklist at the door. Accept, reject, or partial.
Gift Wrapping
Premium packaging option at checkout. Configurable charge. Custom gift message field.
GST-Inclusive Pricing
Prices include GST (18% default). Tax extracted, not added. Per-product tax rate support. HSN codes.
Accept every payment. Lose zero customers.
4 gateways, 10 payment methods, guest checkout, Wallet+COD split, COD with OTP, multi-gateway refunds — everything your Indian customers expect. All pre-integrated, all included.