Payments

Bring your own gateway
Get paid every way

Hosted Checkout gets more than 90% of UPI payments through, on the gateway you choose. Renew subscriptions on a mandate, give every trade buyer its own account number, and extend credit backed by NACH.

Book a demoFollow the money

Getting paid

LUNE

Shoppers, stockists and distributors

Payments today

  • Meera RaoUPI · Hosted Checkout₹1,299Paid
  • Carewell StockistsRTGS · virtual account₹2,00,000Matched
  • Northline SupplyNACH · 21-day credit₹75,000Secured

90%+ of UPI payments go through

01Keep every paying customer

Never lose a customer
who's ready to pay

Commerce Engine's Hosted Checkout is engineered for the payment step. It shows each shopper the flow that works on their device, checks UPI IDs before a request goes out, and recovers payments that stall.

Built into Hosted Checkout

LUNE · today100 shoppers

Out of 100 shoppers paying by UPI, 74 get through without these behaviors and 92 with all of them on. The other 8 are declined by their bank.

UPI paid at checkout

92of 100

90%+UPI success rate

20–25%lift after adopting Hosted Checkout

Hosted CheckoutMeasured on merchants who moved to Commerce Engine's Hosted Checkout, against industry benchmark success rates.

Device-aware
the flow that works on each device
UPI ID checked
before the request goes out
No redirect
OTP on your page, CVV-less saved cards
Gateway-checked
paid orders land even if the tab closes

Follow the order after paymentRead about payment status

02Fits every device

The right way to pay
On every device

Hosted Checkout works out the device before it draws the payment step. On Android, shoppers tap straight into their UPI app. On iPhone, they see only the apps that open there. On a laptop, they get a QR code to scan, or a UPI ID that's checked before the request goes out.

Meera is paying on

Straight into her UPI app

Her UPI apps are one tap away. She approves in the app and lands back on a confirmed order, with no QR code to scan and no ID to type.

Paying by card on any device? The OTP stays on your page and saved cards skip the CVV. Card details and secrets never reach your servers.

What Hosted Checkout decided

Device
Android phone
Shows
A one-tap handoff to her UPI app
Hides
The QR code: she can't scan her own screen
  1. 1Taps her UPI app
  2. 2Approves ₹1,299 in the app
  3. 3Lands back on a confirmed order

What Hosted Checkout decided

Device
iPhone
Shows
Only the UPI apps that open on iPhone
Hides
Apps that won't open on iPhone
  1. 1Picks an app that opens on iPhone
  2. 2Approves ₹1,299 in the app
  3. 3Lands back on a confirmed order

What Hosted Checkout decided

Device
Laptop
Shows
A QR code, and a checked UPI ID
Hides
App buttons: a laptop has no UPI app
  1. 1Scans the QR code with her phone
  2. 2Approves ₹1,299 on her phone
  3. 3The laptop confirms the order
Android
one tap into the shopper's UPI app
iPhone
only the apps that open there
Laptop
a QR code, or a checked UPI ID
Cards
OTP on your page, no CVV for saved cards

See checkout on the D2C pageRead the Hosted Checkout guide

03Bring your gateway

Keep the gateway you trust
Route to the best one

Hosted Checkout works with the gateway you already use. Connect PayU directly, ask us to integrate yours, or add any of 200+ more through our Juspay integration. Then send each payment method to the gateway that handles it best, and move it automatically when one starts failing.

Route LUNE's payments

Start with the one you have

Connect your current gateway and every payment method runs through it. Nothing about your banking relationship changes.

Change gateways or routing in Checkout Studio, with no deploy.

CEHosted CheckoutSends every payment to the right gateway

Payment methodGoes to

UPIYour gatewayConnected directlyGateway BBest for UPI
CardsYour gatewayConnected directly
NetbankingYour gatewayConnected directly

PayU directly · your gateway on request · 200+ more, Stripe included

Your gateway
PayU directly, or yours integrated
200+ more
gateways to add, Stripe included
By method
each payment method to its best gateway
Auto-failover
UPI moves when a gateway struggles

Selling in store? Take split payments on POSRead about Checkout Studio

04Renew on a mandate

Approve it once
Paid every month

Subscribers approve a mandate once at checkout, by UPI Autopay, card or netbanking, and every renewal is charged on schedule. When a charge fails, your dunning rules retry it and remind the subscriber. If it still fails, you decide what happens next.

On 5 March, the renewal

UPI AutopayActive

Merchant
LUNE
Up to
₹1,500 a month
Approved
Once, on 5 Jan

Subscription

Night Ritual Serum₹1,299 every month

ActiveNext charge 5 Apr

March renewalRecovered on retry 2

  1. 5 MarCharge fails: not enough balanceFailed
  2. 6 MarRetry 1, reminder sentFailed
  3. 8 MarRetry 2 goes throughPaid
Approve once
UPI Autopay, card or netbanking mandate
Dunning rules
retry and remind on the days you choose
Your last step
pause, mark unpaid or cancel
One engine
the same mandate logic runs trade credit

See plans, cycles and pauses on Orders & SubscriptionsRead the subscriptions guide

05Collect large transfers

An account number for every buyer
Every transfer matched

Through a deep ICICI Bank integration, every trade buyer gets its own virtual account. Transfers settle against its open orders, oldest first, the moment they land. One order can take as many payments as the buyer likes, with no passbook to check and no statement to wait for.

Carewell Stockists pays over the week

No reference numbers to chase. The account number tells you who paid.

RTGSTransfer receipt

From
Carewell Stockists
To
Virtual a/c ••••0042
When
Fri 11:20
Amount
₹2,00,000
ICICI Bank · virtual accountCarewell StockistsA/c ending 0042Received this week₹4,80,000

Open ordersOldest first

#4812₹1,80,000Paid

₹1,80,000 received

#4815₹2,40,000Paid

₹2,40,000 received

Credit balance₹60,000Ready for the next order

Reconciled on arrivalNo statement needed

  1. Mon 10:42NEFT · UTR …4412#4812 paid in full₹1,80,000
  2. Wed 16:05IMPS · UTR …7730#4815 part paid₹1,00,000
  3. Fri 11:20RTGS · UTR …0918#4815 paid · ₹60,000 to credit₹2,00,000

5,000+virtual accounts

₹250 Cr+GMV, most of it through them

Built for Davai firstCommerce Engine began inside Davai, our own B2B marketplace. Its trade buyers pay through these virtual accounts, and they're the reason this integration exists.

NEFT · RTGS · IMPS
large transfers, straight from the buyer's bank
Instant
reconciled the moment the money lands
Any number
of payments against one order
Oldest first
and anything extra waits as credit

See wholesale on Commerce EngineRead the credit balance API

06Give secured credit

Give buyers credit
Backed by a mandate

Choose who gets credit, how much, for how long and how much on any one order. Each buyer signs a NACH mandate once through LotusPay, online or on paper. Orders draw on the limit, and the amount due is debited when the credit period ends. If the debit bounces, dunning rules retry it, and if every retry fails, the buyer's credit pauses.

Northline Supply buys on credit

Try other terms

Credit lineNorthline Supply

Available₹5,00,000of a ₹5,00,000 limit

Credit line
On
Who gets credit
Approved buyers
Credit limit
₹5,00,000
Cap per order
₹1,00,000
Credit period
21 days
Collected through
LotusPay

e-NACH mandatevia LotusPay

Buyer
Northline Supply
Bank
A/c ending 3391
Up to
₹1,00,000 an order

Authorized in netbanking

Active

#4821Collected

₹75,000Nothing paid at checkout

Due

Day 21Debited
Approved buyers
or every buyer, approved in bulk
Your terms
limit, cap per order and credit period
e-NACH or paper
paper for banks not yet on e-NACH
Dunning built in
retried on schedule, then credit pauses

See trade accounts on the B2B pageRead the credit line API

Also in payments
Every other way money moves

Points and credit at checkout, refunds, GST invoices, split bills at the counter, seller payouts and cash on delivery, all recorded against the same orders.

  • Points, credit and card on one order

    Loyalty points and credit balance come off first and the gateway takes the rest. An order fully covered by points needs no payment step at all.

    Customers & Loyalty

  • Refunds that go back the way they came

    Preview how a refund splits across the original payment methods before you send it, or pay it to a verified bank account instead.

    Orders & Subscriptions

  • A GST invoice for every shipment

    CGST and SGST, or IGST, worked out per shipment, with HSN codes, the e-invoice reference and its signed QR code.

    B2B

  • Two ways to pay at the counter

    Take part of a store bill in cash and the rest by UPI, on the same order.

    POS & Omnichannel

  • Pay your sellers

    Commission, TDS and TCS, hold periods and payout batches for every seller on your marketplace.

    Marketplace

  • Cash, cheques and COD

    Any offline method works: cash at the counter, cheques from trade buyers or cash on delivery. Mark it paid in the dashboard, or let a shipping integration confirm COD.

    Shipping
</>For developers

One payment
Every next step

Every change to a payment or refund reaches your systems as a signed webhook, with an event ID so you never act on it twice.

POST to your webhook URL

X-CE-Signature: 3f9a…c21e
{
  "event": "payment.success",
  "event_id": "evt_01J9…",
  "data": {
    "order_number": "CE-2048",
    "amount": 1299,
    "payment_method": "UPI",
    "status": "success"
  }
}
Fires when
A gateway callback, Commerce Engine's own payment check or a settled bank transfer marks a payment successful.
Typical next step
Send the receipt and start packing.
  • POST/orders
  • GET/orders/{order_number}/payment-status
  • POST/orders/{order_number}/cancel-payment-request
  • POST/orders/{order_number}/retry-payment
  • GET/payments/verify-vpa
  • GET/payments/card-info
  • POST/subscriptions
  • PUT/subscriptions/{id}
  • GET/customers/{customer_id}/credit-balance
  • GET/customers/{customer_id}/credit-line-balance
  • POST/customers/{customer_id}/mandates
  • GET/customers/{customer_id}/mandate-debit-schedules

Browse the webhook referenceRead the checkout guide

A few useful answers

Before you take
your next payment

How Hosted Checkout, gateways, subscriptions and trade payments fit together, for the teams who get paid and the developers who build it.

01

What makes Hosted Checkout convert better?

It works out the device and shows the payment flow that works there. It checks UPI IDs before a request goes out, keeps card OTPs on your page and accepts saved cards without a CVV. It also recovers payments that stall. Merchants who adopted it saw UPI success rise 20–25%, to over 90%. Card details and secrets never reach your servers.

Read the Hosted Checkout guide (opens in new tab)
02

Can I keep my current payment gateway?

Yes. Hosted Checkout works with PayU directly, and we're happy to integrate the gateway you use. Through our Juspay integration you can also reach 200+ more, Stripe included, and route each payment method to the one that handles it best.

03

Do you support subscriptions and recurring payments?

Yes. Subscribers approve a mandate once, by UPI Autopay, card or netbanking, and renewals are charged on schedule. Failed charges follow your dunning rules: retries and reminders, then pause, mark unpaid or cancel. Plans, billing cycles and pauses are covered on the Orders & Subscriptions page.

See Orders & Subscriptions
04

Can I offer cash on delivery?

Yes. Add COD as a manual payment method, just as you would cash at the counter or cheques from trade buyers. Orders are fulfilled as usual. Mark the cash as collected in the dashboard, or let your shipping partner's integration confirm it.

05

How is trade credit secured?

Each buyer signs a NACH mandate through LotusPay, online through e-NACH, or on a paper form if their bank doesn't support e-NACH yet. The amount due is debited when the credit period ends. If a debit fails, it's retried on your dunning rules, and if every retry fails the mandate and the buyer's credit pause.

06

How are bank transfers reconciled?

Each buyer gets its own ICICI virtual account. Transfers settle against that buyer's open orders, oldest first, the moment they land. An order can be paid in as many transfers as the buyer likes, and there's no passbook or statement to match.

07

Which countries and currencies?

Payments today are built for India: INR, UPI, RuPay, NEFT, RTGS and IMPS, and GST invoices.

Planning how payments should work for your store? Let’s map it out. Talk to our team (opens in new tab)Explore the docs (opens in new tab)

Start with the gateway
you already trust

We'll connect your gateway and switch on Hosted Checkout. Then we'll set up subscriptions, virtual accounts and credit lines, and take your first order with you.

Book a demoRead the Hosted Checkout docs
  • UPI · Hosted Checkout₹1,299Meera Rao · #CE-2048Paid
  • RTGS · Virtual account₹2,00,000Carewell Stockists · #4815Matched
  • NACH · Credit line₹75,000Northline Supply · #4821Collected