Customers in India use many ways to pay: UPI, debit and credit cards, net banking, wallets and cash on delivery. Offering the right options can be the difference between a completed order and an abandoned cart.
Online payments: UPI, cards and more
UPI has become one of the most popular ways to pay online in India because it is quick and familiar. Cards and net banking remain important for many buyers. Online payments are usually collected through a payment gateway, which settles money to your bank account and may charge a fee per transaction.
- Pros: money is collected before you ship, fewer cancelled orders, less cash handling.
- Cons: some first-time buyers hesitate to pay in advance to a store they do not know yet.
Cash on delivery (COD)
COD is still popular, especially with first-time buyers and in smaller towns. It lowers the trust barrier because customers pay only when they receive the product.
- Pros: more customers willing to try a new store.
- Cons: some orders are refused at the door, and you handle cash collection.
How to reduce failed COD orders
- Confirm COD orders by phone or WhatsApp before shipping.
- Show clear photos, sizes and delivery times so there are no surprises.
- Limit COD to the pincodes you serve reliably.
- Offer a small discount or free shipping for online payment.
- Use live order tracking so customers know when to expect delivery.
Which options should you offer?
Most small stores do best with both: online payment for customers who prefer speed, and COD for those who want to pay on delivery. As your repeat customer base grows, you can encourage online payment with offers.
Setting up payments in GoSeller
In your GoSeller store you can offer cash on delivery and the online payment options enabled on the platform, and choose what to show at checkout. You can also set delivery charges by zone and restrict delivery to selected pincodes, which helps keep COD reliable. See all GoSeller features or compare plans.
Build trust at checkout
- Show your full address, phone number and policies on your store.
- Use your own brand name and logo consistently.
- Make return and refund rules easy to find.
Frequently asked questions
Usually yes. COD helps new customers trust your store. Confirm orders before shipping and limit COD to areas you serve reliably to reduce returns.
UPI is widely used and quick for customers. It is usually offered through a payment gateway along with cards and net banking.
Confirm orders before dispatch, show accurate product details, share tracking and consider an incentive for online payment.
Offer the payment options your buyers want
Create your GoSeller store with COD and online payments, and start selling today.
