FlexiCommerce FlexiCommerce
Payments & Checkout

Every way India pays.
One checkout.

4 payment gateways, UPI, cards, net banking, wallets, COD, EMI, BNPL, gift cards, and QR payments — all built into a single, seamless checkout. Guest checkout included.

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Cards UPI Net Banking Wallets COD EMI BNPL Gift Cards QR Code Saved Cards

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

Razorpay

Primary

Orders API, UPI QR codes, payouts (RazorpayX), webhook verification, saved payment methods, and refund processing.

UPI Cards EMI PayLater QR
Cashfree

Cashfree

Secondary

SDK checkout, payment session creation, payout API for vendor disbursements, and webhook-based payment verification.

UPI Cards NetBanking Payouts
PayU

PayU

Tertiary

Hash-based redirect checkout with SHA512 verification. Success/failure callback URLs with automatic order status updates.

UPI Cards NetBanking Wallets
PhonePe

PhonePe

Optional

OAuth token-based integration with sandbox and production support. Redirect-based payment flow with status API verification.

UPI Cards Wallet

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 ₹1L EMI.

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.

EMI

Bank EMI from HDFC, ICICI, Axis, SBI, Kotak. 3/6/9/12 month tenures. Interest calculated per bank. Min ₹3K-5K order.

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.

Checkout Flow

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.

1
AddressSaved addresses or guest inline entry. Pincode serviceability check.
2
Payment MethodOnline (gateway), COD, wallet, or gift card. EMI options shown if eligible.
3
Review & PayOrder summary, shipping cost, tax breakdown, total. Gateway redirect or instant confirm.
4
Order ConfirmedOrder number, tracking info, estimated delivery. Email + SMS notification sent.
Checkout — Step 2: Payment
Select Payment Method
Pay OnlineUPI, Credit/Debit Card, Net Banking, Wallets
UPIVISAMC
Cash on DeliveryPay when you receive • +₹40 COD fee
FlexiWalletBalance: ₹2,450
₹2,450
Order Summary
Subtotal (3 items)₹4,297
ShippingFree
Tax (GST incl.)₹656
Total₹4,297
Pay ₹4,297

EMI, COD safety, and automated refunds

The hard parts of Indian payments — EMI with 5 banks, COD with OTP + QR fallback, and refunds that actually work across all 4 gateways.

Bank EMI

Split payments into 3, 6, 9, or 12 monthly instalments. Interest rates configured per bank. Minimum order amount enforced.

HDFC Bank 3/6/9/12 mo
ICICI Bank 3/6/9/12 mo
Axis Bank 3/6/9/12 mo
SBI Card 3/6/9/12 mo
Kotak Mahindra 3/6/9/12 mo

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

Refund Processing

Refunds processed through the same gateway that took the payment. Automatic or manual — admin controls the flow.

  • 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, EMI, COD with OTP — everything your Indian customers expect. All pre-integrated, all included.

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0% transaction markup Webhook verified PCI compliant All included