The COD tax The story AI address Risk engine RTO Shield Payment methods Install FAQ Start free
Zelly Checkout · live now

The checkout that argues for prepaid.

One tap for returning shoppers, and a risk score on every COD order. Zelly turns the two biggest leaks in Indian D2C — abandoned carts and returns to origin — into one flow you control.

Start free → See the risk engine
+34%conversion lift
−62%RTO reduction
98.2%payment success
1 tapfor repeat buyers
The COD tax

Thirty of every
hundred come back.

A return to origin costs you the forward freight, the return freight, the packaging and the shelf time. It never arrives as a refund line — it shows up as margin that quietly went missing.

Without Zelly

TYPICAL

100 COD orders shipped

30

came back to origin — freight paid twice, stock back on the shelf weeks later.

With Zelly

SCORED

100 COD orders shipped

11

came back, after risk scoring blocked the worst and prepaid nudges converted the rest.

−62% is the average reduction across orders scored by Zelly. Your mix of categories, cities and price points will move the number — work out your own with the RTO cost calculator.

One order

Watch an order
make up its mind.

CART · 0.0s

A stranger with a full cart.

Two items, ₹1,499, and no idea who this is yet. This is the moment most Indian checkouts start asking for a form.

RECOGNISED · 1.2s

One number, and we know her.

The phone number resolves to a returning buyer with saved addresses. Nothing to retype, nothing to get wrong at 11pm on a phone.

SCORED · 2.1s

Scored before she has paid.

Address quality, phone verification, buyer history and the return rate for 560095 collapse into one number. This order comes back at 12 out of 100.

FORKED · 3.0s

She reaches for cash on delivery.

Here is where the margin usually leaks. Zelly prices the risk, adds the COD fee, and offers to drop it if she pays now — at the exact moment it still changes her mind.

PAID · 4.2s

Prepaid, in one tap.

₹50 saved for her, a return avoided for you, and the outcome fed back into the score for the next order from that pincode.

One-click checkout

Three screens become
one tap.

Most Indian checkouts ask a returning customer to prove who they are all over again. Zelly already knows.

RECOGNISE

We know who this is

A phone number resolves to saved addresses and payment methods. Nothing to retype, nothing to misspell.

CONFIRM

One screen, not four

Address, delivery estimate and payment on a single mobile view. No page reloads between steps.

PAY

Tap, and it's done

UPI intent opens the app the shopper already has open. Card details are passed straight to the payment provider — Zelly does not store them.

AI address engine

Most returns start
as a bad address.

Before an order is scored, the address is. Zelly runs five checks on every one — in under half a second, while the shopper is still on the page.

0

saved addresses in the graph. That is how a half-typed line becomes a verified doorstep.

Address engine 0.42s

what she typed →
304 koramangla 5th blk, near sony signal, blr

1 Structure House, street, locality and city pulled apart from one free-text line. 4 PARTS
2 Pincode match The locality is checked against the pincode, not just accepted from it. 560095
3 Deliverability Confirms someone actually delivers to that lane, and who does it best. 3 COURIERS
4 Fake and duplicate patterns Nonsense lines, repeat throwaways and known bad doors get flagged here. CLEAN
5 Geocode Resolved to a point, not a neighbourhood, so the rider is not calling. EXACT

Resolved

304, 5th Block, Koramangala, Bengaluru, Karnataka 560095

12.9352, 77.6245 EXACT ROOFTOP RISK −18
The risk engine

Every order gets a number
before you pack it.

Zelly reads the signals that actually predict a return in India, resolves them into one score from 0 to 100, and takes the action you configured. No manual review queue.

Signals read

Phone verification OTP
Address quality EXACT
Buyer history 7 ORDERS
Pincode return rate LOW
Cart value vs your AOV NORMAL
Device and session TRUSTED

Action taken

Allow prepaid and COD 0–25

Nothing gets in the shopper's way. This order is where it landed.

Nudge to prepaid 26–60

Offer the COD fee waiver at the payment step, where it still changes the decision.

Verify or switch off COD 61–100

Ask for prepayment or an OTP confirmation before the parcel ever leaves.

You set the thresholds. Zelly shows you what each band would have done to last month's orders before you commit.

RTO Shield

You set the line.
Zelly holds it.

RTO Shield sits between a risky COD order and your warehouse. Move the threshold and watch what it would have done to a hundred real orders.

Block cash on delivery above 42/100
73pass straight through
18nudged to prepaid
9COD switched off

Modelled on the risk distribution Zelly sees across scored COD orders. Your own orders replace this the day you go live.

The math

What one nudge
is actually worth.

The same order, two endings. This is why a ₹50 waiver is cheap.

COD order that comes back

Order value₹1,499
Revenue collected₹0
Forward freight−₹80
Return freight−₹80
Packaging−₹35
COD handling−₹25
−₹220plus three weeks of dead stock

Same order, paid upfront

Order value₹1,499
Revenue collected₹1,499
COD fee waived−₹50
Forward freight−₹80
Packaging−₹35
Return risknear zero
+₹1,334and the stock is gone

Illustrative freight and packaging figures. Put your own costs into the dashboard and Zelly prices the waiver against them.

Payment methods

Every rail your shopper
already trusts.

One integration, one settlement report. Failed attempts retry on a different route instead of dumping the customer back on the cart.

UPI

INTENT + COLLECT

Cards

RUPAY · VISA · MC

Netbanking

MAJOR BANKS

Wallets

PREPAID BALANCE

Pay later

BNPL PARTNERS

Card EMI

3 / 6 / 9 MONTHS

Cash on delivery

RISK GATED

Partial COD

TOKEN UPFRONT

Cart recovery

The cart doesn't die
when the tab does.

Zelly keeps the cart, the address and the chosen payment method warm, then brings the shopper back to exactly where they stopped.

WhatsApp first

The channel Indian shoppers actually open, with a one-tap link back into the live cart.

1-TAP LINK

Email as the follow-up

A second reminder on a schedule you choose, not a fixed one you can't change.

SCHEDULED

The cart survives intact

Same items, same address, same payment method. Not a fresh start on the homepage.

STATE KEPT

Attribution you can audit

Recovered revenue is reported separately, so you can see what the automation earned.

REPORTED
Install

One script.
Next order onwards.

No replatforming, no catalogue migration, no freeze on your storefront. Add the tag, set your COD rules, and the very next order runs through Zelly.

index.html 
<!-- add once, before </body> -->
<script
  src="https://cdn.zelly.in/checkout.js"
  data-zelly-key="pk_live_your_key_here"
  defer
></script>

Keeps your storefront

Zelly takes over the checkout step only. Your theme, catalogue and URLs stay put.

NO REPLATFORM

Sandbox before live

Test keys are issued on signup. Run real flows with test money first.

TEST KEYS

Webhooks for your stack

Order, payment and risk events posted to your endpoint with signed payloads.

SIGNED

Your live key and the exact snippet for your store are in the Zelly dashboard.

Handling money

Built to be boring
about security.

NO CARD STORAGE Card details go straight to the payment provider. Zelly does not store them, and neither do you.
ENCRYPTED IN TRANSIT Every request travels over TLS. Nothing sensitive moves in the clear.
SIGNED WEBHOOKS Every event carries a signature, so your backend can verify what it receives.
SCOPED KEYS Separate test and live keys, revocable from your dashboard at any time.

Found a vulnerability? We want to hear about it — see our responsible disclosure policy.

0 average conversion lift
0 reduction in returns to origin
0 payment success rate
0 from script to first live order
0 to pay, for a returning shopper
0 replatforming required
Questions

The things merchants
ask us first.

Does Zelly Checkout work with the store I already have?

Yes. Zelly replaces the checkout step, not your storefront. You add one script tag, and your theme, product pages, catalogue and URLs stay exactly as they are. There is no migration and no content freeze.

What exactly is an RTO risk score?

A single number from 0 to 100 that estimates how likely an order is to come back undelivered. It is built from signals like phone verification, how precisely the address resolves, the buyer's order history with you, the return rate for that pincode, and how the cart value compares to your average. You see the score and the reasons behind it on every order.

Do I have to turn cash on delivery off?

No, and we would usually advise against it. COD is how a large share of India buys. The point of scoring is to keep COD available to the shoppers who will accept the parcel, and to steer only the risky orders toward prepaying. You set the thresholds for each band.

How fast do I get the money?

Prepaid orders settle to your registered bank account on a T+1 cycle. COD remittance follows the courier's collection cycle. Every payout has a line-item report you can reconcile against orders.

What does it cost?

Pricing is usage-based on successful transactions, with no setup fee and no monthly platform charge to start. The rate depends on your volume and payment mix — talk to us and we will quote against your actual numbers.

Where do the conversion and RTO figures come from?

They are averages we have measured across orders running through Zelly Checkout. They are not a promise for your store: category, price point, city mix and how aggressively you set your COD rules all move the result. Ask us for the range we have seen in your category.

Is my customer data safe?

Card details are passed straight to the payment provider and are not stored by Zelly or kept on your servers. Traffic is encrypted in transit, webhook payloads are signed so your backend can verify them, and your test and live keys are separate and revocable. Customer data belongs to you and is exportable at any time. Read the privacy policy for specifics, and our disclosure policy if you find a problem.

Score your
next order.

Add the script, set your COD rules, and watch the prepaid share move. You can be live before the day is out.

Start free → Talk to us

No card required · No setup fee · Test keys on signup