Store Settings
Payment methods & discounts
Payment-linked discounts that steer buyers away from COD, the Half Payment option, discount caps, and how to cut your RTO losses.
Cash on Delivery is how most Indian buyers pay, and it is also where sellers lose the most money — a refused parcel costs you both shipping legs and the packing, and returns nothing. These settings exist to shift that balance without turning COD off.
Where to find it: menu → Settings → the Payment-linked discounts section.
The problem, in plain numbers
A ₹799 order that comes back undelivered does not just earn you nothing. It costs you the outbound shipping, the return shipping and the packaging. If your ad brought that buyer in, add the ad cost too.
Paid-online orders almost never do that. So a discount that moves a buyer from COD to online payment can pay for itself several times over.
Payment-linked discounts
Give a percentage off for choosing a particular payment method at checkout. Leave any at 0 for no discount.
| Setting | What it does |
|---|---|
| Discount for Cash on Delivery | Rarely used — COD is already the easy choice. |
| Discount for Half Payment | Rewards paying part upfront. |
| Discount for Full Online Payment | The useful one. Buyers who pay in full online get a percentage off. |
| Maximum discount amount (₹) | Caps the discount in rupees, however high the percentage works out to. Leave blank for no cap. |
Half Payment
Offer Half Payment lets a buyer pay part online now and the rest as cash on delivery.
Someone who has already paid part of the money almost always takes the delivery. It cuts RTO sharply while still feeling safe to a buyer who has never heard of your brand.
New shops with no reputation yet, and higher-value items where full prepayment feels like a leap of faith to a first-time buyer.
The remaining half is still COD, so it still goes through the COD collection and settlement route. You are reducing the risk, not removing it.
Per-product COD control
The store-wide setting is not your only lever. Step 3 of the product form has a COD Allowed switch per product.
Turn it off on your highest-value items. A ₹5,000 parcel refused at the door hurts far more than a ₹500 one, and a buyer genuinely wanting a ₹5,000 item will usually pay online.
COD guard rails
On Bank & payment details you can also set:
- Minimum COD Order Value — stops tiny COD orders where shipping eats the whole margin.
- Maximum COD Order Value — caps your exposure on any one parcel.
- COD Charge — a fixed or percentage fee passed to COD buyers, which nudges them towards paying online.
- COD Pincode Rule — which pincodes you accept COD for.
A sensible starting configuration
Keep COD on
Turning it off on a new shop costs you far more sales than it saves in RTO.
Offer 5% off for full online payment, capped
Cheaper than a single RTO, and it starts shifting the mix immediately.
Turn on Half Payment
Especially if your average order is above a thousand rupees.
Set a maximum COD order value
Somewhere above your typical order but below the ones that would really hurt.
Switch COD off on your most expensive products
Individually, in the product form.
Watch your RTO rate
It is on the dashboard under “What happened to those orders”, and in Website analysis. Adjust from real numbers after a few weeks.