By Converteasy Team, Official Shopify Experts & E-commerce Strategists in Kerala; we help ambitious brands transition from manual selling to fully automated, high-converting online stores. With 5+ years of experience in Shopify development and 60+ successful Kerala brands launched, we specialize in Shopify store setup, automation, and growth-focused e-commerce strategies.
Published in Blog on April 24, 2026 | Last Updated on April 24, 2026
5 min read
Getting paid is the most critical function of your Shopify store. For Kerala brands selling online, three payment options make or break your conversion rate: Razorpay (covering UPI, cards, and net banking), and Cash on Delivery. This guide gives you the exact steps, accurate fees, and practical tips to set them up correctly.
Whether you are a first-time seller or working with Shopify developers in Kochi like ConvertEasy, knowing how these payment systems work is essential before your store goes live.
Important: Shopify Payments is NOT available for Indian merchants in 2026. You must use a third-party payment gateway. Razorpay is the most trusted and widely used option for Kerala Shopify stores.
Razorpay is an official Shopify partner and India’s leading payment gateway. One integration covers UPI (Google Pay, PhonePe, BHIM, Paytm), all debit and credit cards, net banking, and wallets. There is no setup fee or annual maintenance charge — you only pay per successful transaction.
Real example: On a ₹1,000 UPI payment, Razorpay deducts ₹20 (2% fee) + ₹3.60 GST on the fee. You receive ₹976.40 in your bank within T+2 working days.
Most sellers think about COD in terms of the sale – they don’t calculate the full cost of a COD order that becomes an RTO. Here is what a ₹1,000 COD order that fails to deliver actually costs you:
At a 26% RTO rate, for every 100 COD orders you ship, you lose ₹19,000 – ₹36,000 in pure logistics costs. On top of that, you earn zero revenue from those 26 orders. This is why RTO is called the ‘silent killer’ of D2C brands in India.
• PAN card and Aadhaar (individual/sole proprietor)
• GST certificate — if your business is GST registered
• Bank account details and a cancelled cheque or passbook copy
• For companies: Certificate of Incorporation, director PAN and Aadhaar
KYC verification typically takes 1–3 working days. Apply 3–5 days before your planned launch date.
Log into your Shopify Admin using store owner credentials
Go to Apps > search ‘1 Razorpay’ > Install the official app by Razorpay
Shopify redirects you to Razorpay – log in and authorise the connection
Back in Shopify, click ‘Activate’ – Razorpay now appears at your checkout
Enable Test Mode: Settings > Payments > Manage Razorpay > tick ‘Enable test mode’
Place a test order on your store and complete a simulated payment
Verify the test shows ‘Captured’ in Razorpay Dashboard > Transactions > Payments
Once confirmed: untick test mode, enter your Live API Keys from Razorpay Dashboard > Settings > API Keys, and go live
Go to Shopify Settings > Checkout > Customer contact method and select ‘Phone number or email’. This ensures Razorpay collects the customer’s phone number at checkout — needed for UPI OTP and WhatsApp follow-ups.
Shopify has no native COD management system – you need a third-party app. The most trusted option is Releasit COD Fee & Partial Pay, with over 5,700 reviews and a 4.9/5 rating on the Shopify App Store as of early 2026.
In Shopify Admin > Apps, search ‘Releasit COD Fee & Partial Pay’ and install it
In the Releasit dashboard, enable Cash on Delivery – it will appear at checkout alongside Razorpay
Add a COD handling fee of ₹30–₹50 to recover the courier’s collection charge and reduce casual orders
Under Rules: disable COD if order total exceeds ₹2,500 – this protects against high-value RTO losses
Enable WhatsApp OTP verification – customers receive a WhatsApp message to confirm their COD order before it moves to packing. This single step eliminates most fake orders
Add pin code restrictions for high-RTO cities: Patna, Srinagar, Varanasi, Ranchi, and Northeastern states
Add a checkout message: ‘Save ₹50 – pay online with UPI or card’ to encour-zge prepaid orders
Track your COD vs. prepaid ratio monthly. A healthy target: 40–50% prepaid orders within 6 months of launch. The WhatsApp OTP and prepaid incentive message together are the fastest ways to shift this ratio.
• Razorpay account KYC verified and active
• 1 Razorpay app installed and activated in Shopify
• Test payment verified as ‘Captured’ in Razorpay Dashboard
• Live API keys entered and test mode disabled
• Shopify checkout collecting customer phone number
• Releasit COD app installed with COD enabled
• COD handling fee set (₹30–₹50)
• COD disabled for orders above ₹2,500
• WhatsApp OTP verification active for all COD orders
• High-RTO pin code restrictions configured
Payment setup mistakes – wrong API keys, COD with no safeguards, missing OTP verification – are among the most common reasons new Kerala Shopify stores lose their first sales. Our team of Shopify developers in Kochi at ConvertEasy configures your complete payment stack correctly from day one, as part of every store we build.
Let’s turn your brand into a 24/7 automated selling machine. Share your ideas, and we’ll craft the perfect Shopify solution for you.
