01
E-commerce platforms where 4% success-rate difference is crores of GMV.
Fits you
Payment audits · 30 min
99.4%
Success rate
41%
Checkout conv.
+₹3Cr
Recovery / yr
Payment Integration
Every way Indians pay. On your platform.
UPI is 80% of volume. COD is still 55% in Tier-2. EMI converts on 2x AOV. We wire all of it up — properly, with fraud checks, success-rate monitoring, and reconciliation.
UPI
→Card
→Wallet
→COD
→EMI
→NACH
E-commerceSaaSFintechInsuranceEdTechMarketplacesE-commerceSaaSFintechInsuranceEdTechMarketplacesE-commerceSaaSFintechInsuranceEdTechMarketplaces
Who this is for
Who needs payment integration done right.
If any of these sound like you, we should talk.
02
Subscription SaaS needing recurring payments, dunning, and NACH for Indian customers.
Fits you
03
Lending / insurance flows where payment is the biggest drop-off in the funnel.
Fits you
04
Marketplaces splitting payments between sellers, platform commission, GST.
Fits you
The proof
Every rail we’ve shipped in production.
UPI
PhonePe / GPay / Paytm / BHIM
Cards
Debit / Credit / Tokenised
Netbanking
50+ banks
COD
with OTP verify
Wallets
Paytm / Amazon Pay
EMI
Card EMI / Cardless
NACH
Recurring mandates
PayLater
Simpl / LazyPay
What we build
What we wire up.
01
Checkout flow
2-tap UPI, tokenised cards, one-click repeat.
02
Subscriptions
NACH + recurring cards, dunning management.
03
Split payments
Marketplaces, sellers, commission.
04
Reconciliation
Daily settlement match with accounting.
ClientA D2C brandE-commerce
Payment success rate: <em>from 87% to 99.4%</em>. ~₹ 3Cr / year recovered.
Audited their payment stack. Fixed retry logic. Added intelligent routing across 3 gateways. Added fallback UPI intent. Eliminated low-success failure modes.
01
99.4%
Success rate
02
41%
Checkout conversion
03
₹3Cr
Annualised recovery
04
2.1s
Checkout time
What it's like working with us
Our payment failures used to feel random. Now they’re rare — and when they happen, we know why within minutes.
PM
Priya M.
Co-founder · A D2C brand
D2C · Bangalore
Tech stack
The tools. Chosen for your reasons.
08technologies in rotation
01Razorpay
02Cashfree
03PayU
04PhonePe
05Juspay
06Stripe (for international)
07BillDesk
08NPCI
Process
How we actually work.
06 stages
01
Audit
Current stack, failure modes, reconciliation gaps.
Week 1
02
Strategy
Primary / fallback gateway. UPI-first design.
Week 2
03
Build
Checkout, retries, webhooks, idempotency.
Weeks 3-6
04
Fraud + reconciliation
Risk rules, settlement matching.
Weeks 6-8
05
Load test
Black Friday-scale load, failure drills.
Week 8
06
Monitor
Live dashboards, alerts, weekly reports.
Ongoing
Questions
Answers, without the fluff.
Still have questions? Talk to us — we answer within a business day.
07common questions
01One gateway or multiple?
Multiple, almost always. Primary + fallback routing gives 2-5% higher success rates at the cost of one extra integration.
02COD + OTP — how does it work?
OTP confirmation before order creation. Pincode-level COD toggles. Risk-scored customers.
03International payments?
Stripe or Razorpay International for INR-to-INR export. RBI LRS compliance for outbound. We handle both.
04How long does a typical engagement take?
Most projects run 10-18 weeks from kickoff to production launch. We share a milestone plan in week one and update weekly.
05Do you sign an NDA?
Yes. Standard mutual NDA on request, before the first technical conversation.
06Who owns the code and IP?
You do. Code is in your GitHub org from day one. All IP transfers unambiguously on delivery.
07What does your pricing model look like?
For v1 builds: fixed scope, fixed milestones. For ongoing work: monthly retainer with a defined team. We don't do time-and-material surprise billing.
Related
Explore more of what we do.
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