How payment methods work
Open Finance → Payments. Each row is one way shoppers can pay, as it appears at checkout: for example "UPI / Cards (Razorpay)", "Cash on Delivery" or "Bank Transfer".
There are two kinds:
- Online (Gateway-backed) — the shopper pays on the gateway's page (UPI, cards, net banking, wallets) and the order becomes Paid automatically.
- Offline (COD, cash, bank transfer) — no gateway. The order is created unpaid and you confirm the payment yourself with Mark as Paid.
Supported gateways: PayU, Razorpay, PhonePe, Paytm, CCAvenue, Stripe, PayPal, Square and Klarna. The money goes straight into your own gateway account; CartWhizz doesn't hold it.
Only methods that are Active appear at checkout. Sort Order sets their order.
Recommended setup for an Indian store
- One online gateway for UPI and cards (for example PayU or Razorpay).
- Cash on Delivery, with a maximum order total so you don't risk large COD orders.
- Optional: Bank Transfer for wholesale customers only (restricted to a customer group).
Charge a payment surcharge
A method can add a fee when the shopper picks it, for example to cover card or gateway charges. Open the method, then the General tab → Payment surcharge:
- Surcharge — a percent of the order total plus a fixed amount, for example 2 % + ₹10. The percent applies to the goods after discounts, plus shipping and tax. Leave both empty for no surcharge.
- Surcharge title — what the shopper sees, for example "Card fee". Empty shows "Payment surcharge".
- Taxes on the surcharge — tick the tax rules charged on top of it, for example GST 18%.
At checkout each method shows what it adds ("+ ₹30.00 card fee"), and the order summary, confirmation, invoice and admin order page list it as its own line. A full refund includes it. In a marketplace the surcharge stays with the store; it is not split to sellers.
Quick Checkout (PayU, Shiprocket) and POS sales are not surcharged.