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Growww Tech

Phase 2 - Build

Payment Gateway Setup for Indian Ecommerce

Stop Losing Customers at the Finish Line

Payments that go through, refunds that are fast, and support that makes people come back.

All services
4.9 Google rating200+ D2C brands4.5x avg ROI
Track record

Numbers that matter

98%
Payment Success
Optimized gateways
<2hrs
Response Time
Support tickets
85%
Issue Resolution
First contact

Like the numbers above? Want them on your store?

The ceilings

These Are Costing You More Than You Think

Customers are trying to pay but can't

You lose 15-25% of customers at checkout. UPI timeouts. Card declines. OTP failures. They wanted to buy. They tried. They left. Most never come back.

Slow refunds are turning into bad reviews

Refund complaints pile up. It takes 7-15 days. Customers expect 2-3. Every delayed refund is a bad review waiting to happen.

COD is a double-edged sword

Show COD to everyone and face 25-35% returns. Remove it and watch conversions drop. Neither feels right. There's no smart way to manage it.

Your support inbox is a black hole

You drown in the same questions every day. Order status. Return policy. Delivery dates. No system to sort, prioritise, or automate replies. Your team firefights all day.

You're overpaying on every transaction

You're on default gateway pricing. You pay full rates on every transaction. At your volume, negotiated rates would save real money every month. Nobody told you that.

When your payment gateway goes down, so do your sales

You rely on one payment gateway. No backup. When it goes down — and it will — every customer gets an error. You lose those sales.

What we build for you

Here's what changes once we're done.

Payments That Just Work — Even When One Gateway Doesn't

Now you'll have multiple payment gateways with smart routing — UPI goes to whichever gateway has the best success rate right now, cards go to the best processor. If one gateway goes down, the other picks up seamlessly. Your checkout is built for Indian mobile users, with UPI front and centre.

COD That Doesn't Burn You

Now you'll show COD intelligently — hidden for high-return pincodes, with partial prepayment options, and small prepaid discounts that nudge buyers toward paying online. You keep the conversions from Tier 2/3 India without absorbing the RTO losses.

Refunds in Hours, Not Days

Now your refund process runs automatically — WhatsApp confirmations, real-time status tracking, and an instant store credit option that 40% of customers prefer when given a small incentive. What used to take a week now happens in 24 hours.

Support That's Organised, Not Chaotic

Now you'll have a proper support system — tickets, priority routing, ready-made responses, and WhatsApp integration for instant replies. Plus a self-service page where customers find answers to common questions without needing to message you at all.

Recover the Sales You're Currently Losing at Checkout

Now failed UPI payments automatically retry, OTP issues are handled gracefully, and returning customers pay with one tap. Your payment success rate goes from around 75% to 92%+ — and that difference is pure revenue you're currently leaving on the table.

Your Support Team Knows Exactly What to Say

Now your team has clear steps for every scenario — refund requests, delivery complaints, exchanges, escalations. They get response templates, conversation guides, and a dashboard to track their performance. Consistent, empathetic support every time.

How we deliver

The process, step by step

1

We Find Where You're Losing Money and Customers

First, we dig into your payment success rates, where transactions fail and why, how long refunds take, and how many support tickets you're getting. We pinpoint the biggest leaks in your revenue and customer experience.

2

We Fix Your Checkout

Then we set up your payment gateways with smart routing and automatic failover. We configure a UPI-first checkout flow, add COD controls for risky pincodes, and build retry logic for failed payments. More people who click 'Pay' actually pay.

3

We Set Up Proper Support

Next, we build your support system — ticket categories, response time rules, ready-made replies, WhatsApp integration, and a self-service page for common questions. Your team gets organised, and your customers get faster answers.

4

We Train Your Team

Then we train your support team on the new system — how to handle refunds, delivery complaints, exchanges, and when to escalate. They get clear steps for every scenario so nothing falls through the cracks.

5

We Keep Improving Together

After launch, we review payment success rates, refund timelines, and support response times weekly. We keep tweaking routing rules and workflows based on real data — because the goal is always getting better.

Why us

What you get

  • Payments That Just Work — Even When One Gateway Doesn't
  • COD That Doesn't Burn You
  • Refunds in Hours, Not Days
  • Support That's Organised, Not Chaotic
  • Recover the Sales You're Currently Losing at Checkout
  • Your Support Team Knows Exactly What to Say
Scope

Deliverables

  1. 1Primary payment gateway
  2. 2Backup gateway
  3. 3UPI & payouts
  4. 4COD optimization
  5. 5Support ticketing
  6. 6Helpdesk system
  7. 7Instant support
  8. 8WhatsApp automation
Tools & integrations

The stack we wire up

Razorpay

Payment gateway option

PhonePe

Payment gateway option

Easebuzz

Payment gateway option

Cashfree Payments

UPI, refunds & payouts

GoKwik

COD optimization

Freshdesk

Support ticketing

Zoho Desk

Helpdesk system

WhatsApp Business API

Instant support

Shopify WhatsApp app

Customer alerts

FAQ

Commonly asked

We work with Razorpay, PhonePe, Easebuzz, and Cashfree Payments — and we pick one (or a primary + backup pair) based on two things: the vendor's response rate for your specific category and your own requirements (international cards, instant refunds, payouts, integration ecosystem, MDR). For high-volume brands (₹50L+/month), direct bank integrations also come into play. Our default recommendation is a dual-gateway setup for 99%+ uptime.

Six proven strategies: (1) UPI-first checkout — show UPI above cards, (2) Smart retry on timeout — auto-retry failed UPI within 5 seconds, (3) Multi-gateway routing — route cards to gateway with best issuer success, (4) Saved cards/tokenization for repeat buyers, (5) Mobile-optimized checkout — single-page, auto-detect payment method, (6) Remove unnecessary checkout fields. These typically improve success from 75% to 92%+.

All four are solid. We don't pick by brand loyalty — we pick by vendor response rate (how quickly their onboarding and support team moves for your category) and your requirement: Razorpay has the widest integration ecosystem; PhonePe is strong on UPI intent and merchant trust; Easebuzz is competitive on MDR and payouts; Cashfree Payments is excellent for instant refunds, split settlements, and international cards. We help you evaluate which primary + backup pair fits your product, MDR target, and volume.

Start with: (1) Freshdesk free plan or Zoho Desk for ticket management, (2) WhatsApp Business for instant queries, (3) A FAQ page covering shipping, returns, sizing — reduces 40% of tickets. For growing brands: add chatbot for order tracking, SLA timers for response times, and canned responses for common queries. We set up the entire system in 1 week.

Use Cashfree Payments' instant refund feature — refunds hit customer's account in 15 minutes instead of 5-7 days. On Razorpay, PhonePe, and Easebuzz, enable auto-refund on approved return requests. Offer store credit (with 10% bonus) as faster alternative — 40% of customers accept. Communicate refund status proactively via WhatsApp to prevent 'where is my refund' support tickets.

Yes, but intelligently. Removing COD entirely drops conversion by 30-50% in India. Instead: (1) Show COD selectively — hide for high-RTO pincodes and repeat offenders, (2) Add ₹50-100 COD fee to discourage low-intent buyers, (3) Offer partial prepay (₹100 online + rest COD), (4) Use GoKwik to show/hide COD based on buyer intent score. This maintains conversion while reducing RTO by 30-40%.

Standard rates: UPI 0-0.5% (many gateways offer 0%), Credit/Debit cards 1.5-2.36%, Net banking 1.5-2%, Wallets 1.5-2%, COD ₹30-50 per order. International cards 3.5%+. Volume discounts start at 500+ transactions/month. At 5000+ transactions/month, you can negotiate UPI at 0% and cards at 1.8%. We help negotiate the best rates for your volume.
Related

Services that pair well

Legal & Compliance

Payment gateway documentation and GST setup

Shopify Development

Shopify Partner — UPI-first checkout and full builds

Post-Purchase Experience

Branded tracking and customer delight

Book a strategy call

Let's Fix Your Checkout and Support

15-minute call — we'll map the path from where you are to what's possible for your brand.

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