Get paid every way India pays
UPI, cards, netbanking, wallets and cash on delivery, all on one checkout. Every payment shows up in your dashboard the moment it happens.
Every way your customers pay
Give buyers the option they trust, and you'll lose fewer orders at checkout. Online payments run through gateways like Razorpay.
UPI
Customers pay in seconds from any UPI app on their phone.
From StarterCards
Debit and credit cards, for customers who prefer to pay by card.
From StarterNetbanking
Pay straight from the bank account they already use.
From StarterWallets
Popular wallets supported by your payment gateway.
From StarterCash on delivery
Pay at the door, with a risk check before you ship.
Every planPayments are built into Submerce. No separate gateway hunt, no plugins and no code to write.
From "Pay now" to your bank, step by step
No guesswork. You always know which orders are paid, which are COD and which are refunded.
- Step 1
Customer pays
They pick UPI, card, netbanking, a wallet or cash on delivery at checkout.
- Step 2
Order confirmed, live
The order and its payment status appear in your dashboard straight away, with an alert.
- Step 3
You pack and ship
Paid, pending or COD is clear on every order, so your team ships the right ones first.
- Step 4
Money reaches your bank
For online payments, your gateway (like Razorpay) settles the money to your bank account.
COD, done right
Many Indian shoppers still like to pay at the door. Submerce helps you say yes to COD without losing money on parcels that come back.
- COD risk checks. Spot risky cash-on-delivery orders before you ship, and decide what to do.
- Amount to collect on every order. Your team and the courier always know the exact amount.
- Mark COD collected. Once the cash comes in, mark it, and your books stay clean.
- On every plan. Even the Free plan takes COD orders.
Take orders on WhatsApp, get paid online
A customer calls or messages you to order? No checkout needed. Send them a payment link and the order updates itself once they pay.
- Create a draft orderAdd the products and customer details in your dashboard.
- Send the payment link on WhatsAppThe customer pays with UPI, card, netbanking or a wallet.
- The order confirms itselfYou get an alert and the order moves to "paid", ready to ship.
When things go wrong, keep the customer
Refunds, returns and store credit live in the same dashboard as your orders. Nothing to set up separately.
Refunds
Refund an order and it shows as refunded everywhere, so your team never double-pays.
Store credit
Offer credit instead of cash back. The money stays in your store for the next order.
Gift cards
Sell gift cards for festivals and birthdays. Customers spend them at your checkout.
Returns and exchanges
Approve a return, swap a size or give store credit, and restock the item automatically.
GST credit notes
Refunds come with a GST-ready credit note, so your accounts stay correct.
Live payment alerts
Know the moment a payment comes in, from your phone or your desk.
No gateway hunt. No developer. No extra apps.
Payments come built into your Submerce store, explained step by step in your dashboard.
COD on every plan. Online payments from Starter.
Most stores start on Starter: it turns on UPI, cards, netbanking and wallets for about ₹33 a day.
- Cash on delivery
- GST-ready invoices
- No UPI, cards or wallets
- UPI, cards, netbanking and wallets
- Your own domain (yourstore.in)
- Discounts and affiliates
- Merce AI drafts customer replies
- Unlimited products
- API and webhooks
- Advanced reports
- Priority support
Paid orders flow straight into shipping
Shipping
Book Indian couriers, track every AWB and watch RTOs from the same dashboard.
Explore shipping
Questions about getting paid
Which plan do I need to accept UPI?
Starter. It adds UPI, cards, netbanking and wallets to your checkout for ₹999 a month. The Free plan takes cash on delivery only.
Do I need a developer to set up payments?
No. Online payments run through gateways like Razorpay and are built into Submerce. Guided setup and the Submerce team help you switch them on.
When does the money reach my bank?
For online payments, your payment gateway settles the money to your bank account on its own schedule. For COD, the courier collects the cash and you mark it as collected in Submerce.
How do COD risk checks work?
Before you ship a cash-on-delivery order, Submerce flags orders that look risky. You can then call the customer, ask for prepayment or ship as normal. It helps cut down parcels that come back (RTO).
Can I send a payment link on WhatsApp?
Yes. Create a draft order, then send the payment link to your customer on WhatsApp. Once they pay, the order updates in your dashboard.
How do refunds and store credit work?
Mark an order as refunded, or give store credit instead. A GST-ready credit note is created, and store credit can be used on the customer's next order.
Start taking UPI and card payments on Starter
₹999 a month for online payments, COD, your own domain and help from the Submerce team.