Setting up multiple payment methods on your Shopify India store is not just a technical exercise — it is a conversion strategy. Every payment method you add removes a potential barrier between a customer who wants to buy and an order that gets placed. Indian shoppers are diverse in their payment preferences: a first-generation internet user in a small city may exclusively trust COD, a tech-savvy urban professional will complete the checkout in three taps via Google Pay UPI, and a mid-market buyer considering a ₹8,000 purchase will look for no-cost EMI. The goal is to have the right payment method ready for every customer segment that visits your store. This guide covers exactly which multiple payment methods to offer on Shopify India and how to set them up.
How Indians Pay Online: The Real Numbers
Based on aggregated gateway data from 2025 Indian ecommerce transactions, the approximate payment method split looks like this:
| Payment Method | Share of Transactions |
|---|---|
| UPI (PhonePe, Google Pay, BHIM, Paytm) | ~45% |
| Credit and Debit Cards | ~25% |
| Digital Wallets (Paytm, Amazon Pay) | ~10% |
| Cash on Delivery | ~15% |
| BNPL and EMI | ~5% |
These averages vary significantly by category, price point, and customer geography. COD can be 50%+ for Tier 3 city fashion stores. EMI and BNPL can be 15–20% for electronics. Understand your own store’s data before over-indexing on any single method.
The 8-10 Payment Methods Every Indian Shopify Store Should Offer
- UPI (via Razorpay or Cashfree — covers PhonePe, Google Pay, Paytm UPI, BHIM)
- Visa and Mastercard credit cards
- RuPay debit cards (especially important for government scheme beneficiaries)
- Netbanking (top 10 banks minimum)
- Paytm Wallet
- Amazon Pay
- Bank EMI (HDFC, ICICI, SBI, Axis via Razorpay)
- BNPL (Simpl or LazyPay via Razorpay)
- Cash on Delivery (with IVR verification for COD risk management)
- International cards (for diaspora and NRI buyers)
Technical Setup in Shopify Admin
Most of the above methods are enabled through a single Razorpay or Cashfree integration — you do not need to install 10 separate apps. Go to Settings → Payments in your Shopify admin, add Razorpay as your third-party gateway, and then in your Razorpay dashboard under Settings → Payment Methods, enable each method individually. For COD, add it separately as a Manual Payment Method in Shopify (Settings → Payments → Manual payment methods). For BNPL, ensure you have applied to Simpl or LazyPay’s merchant programme and activated the BNPL option in your Razorpay dashboard. For international cards, activate international payments in your Razorpay account after completing the additional business verification requirements.
Order of Display at Checkout Matters
Razorpay’s checkout page displays payment methods in an order determined by the gateway based on the customer’s device, browser, and purchase history. On mobile, UPI is shown first (because it is the dominant mobile payment method). On desktop, cards and UPI are shown prominently. You cannot directly control the display order within Razorpay’s standard checkout page, but you can influence it by configuring preferred methods in your Razorpay dashboard. For Shopify Plus stores with custom checkout extensions, you can render payment method options in any order using the Checkout Extensibility framework.
Frequently Asked Questions
Does adding more payment methods slow down my Shopify checkout?
No. Since all methods are rendered through a single gateway integration (Razorpay or Cashfree), there is no performance impact from having more methods available. The gateway’s payment page loads once and renders all options based on eligibility.
How do I test each payment method after setup?
Use your gateway’s test mode with the test credentials provided in their documentation. Razorpay provides specific test card numbers, UPI test IDs, and simulated netbanking flows for every payment method. Test in a private/incognito browser to avoid cached sessions.
What happens if a payment method goes down during a sale event?
Gateway outages are rare but possible. Having multiple methods ensures that if UPI processing slows down during a high-load event (like a sale day), customers can still pay via card or COD. Razorpay’s system status page at status.razorpay.com gives real-time uptime data.
Ready to set up a complete payment method stack for your Indian Shopify store? OneOnic’s team configures, tests, and optimises every payment method for maximum checkout conversion.
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