Indian shoppers expect UPI first, cards and netbanking as standard, and - for many audiences - cash on delivery as the trust fallback. Every missing option is a slice of abandoned checkouts.
The Must-Offer Stack
| Method | Why it matters |
|---|---|
| UPI | India's default - the majority of D2C payments; zero-friction on mobile |
| Cards | Standard for higher-value orders |
| Netbanking | Trusted by older and B2B buyers |
| COD | Converts first-time and low-trust buyers - with fraud guardrails |
The COD Trade-Off
COD lifts conversions but brings returns and refusals. Sensible guardrails: COD fee or order cap, OTP confirmation, and disabling COD for repeat-refusal pincodes.
Gateway Choice
Razorpay, Cashfree and PayU all cover the stack; compare settlement times and fees for your volume. What matters most is a checkout where the preferred option is one tap away.
We configure payments correctly in every store we build.
Need Help Growing Your Business?
AS Enterprises builds websites, brands and marketing that generate real leads for Chennai businesses. See our pricing or get a free consultation.