Offer how India actually pays
The payment methods you offer quietly decide how many carts turn into orders. In India, that means UPI, cards, cash on delivery, and wallets — but not in equal measure. Get the mix right and checkout feels effortless. Get it wrong and you lose buyers at the last step. Here's what each one is for.
UPI: the default
UPI is how most of India pays online now. It's instant, free for the buyer, and a tap to confirm. It has to work flawlessly at your checkout, because for many buyers it's the only method they'll reach for. If UPI is clunky on your store, you're losing sales you never even see.
Cash on delivery: still huge
Don't switch COD off. In smaller cities it can be more than half your orders, and turning it off can gut your volume. COD does bring returns, so pair it with controls — but the answer is to manage it, not remove it. For a large slice of Indian buyers, COD is what trust looks like.
Cards: fewer buyers, higher value
Debit and credit cards are a smaller share than UPI, but they matter — especially for higher-value orders and repeat buyers. Offer them cleanly, support saved cards and EMI where it fits, and you cover the buyers who prefer cards without much extra effort on your side.
Wallets and the rest
Wallets and net banking fill the gaps for buyers who prefer them. You don't need every option under the sun — too many choices can even slow checkout down. Cover UPI, cards, and COD well first, then add wallets if your buyers actually ask for them.
More methods isn't always better
There's a limit. A checkout crammed with twenty options is slower and more confusing than one with the four that matter. Watch which methods your buyers actually use, and lead with those. At checkout, simplicity converts better than choice.
Where your store helps
The Storemate wires this up for you. UPI, cards, and COD are ready from your first order through your own Razorpay account, with COD controls built in. You offer how India pays without stitching gateways together yourself — so checkout just works, on the methods your buyers reach for.