Ecommerce

Payment Gateways in India: Cards, UPI, and What Merchants Should Validate

Webhooks, settlement reports, and reconciliation—go-live checks beyond the happy-path checkout demo.

Payment Gateways in India: Cards, UPI, and What Merchants Should Validate
Ecommerce 8 min read

Indian checkout often blends cards, net banking, wallets, and UPI. User experience must surface the right methods and recover gracefully from dropped connections—especially on mobile data during peak sale events.

Treat webhooks as at-least-once delivery: idempotency is mandatory.

Go-live checks that prevent midnight fire drills

  • Verify webhook signatures and persist raw payloads for audit
  • Reconcile gateway settlements against orders daily
  • Handle authorized-but-not-captured and double-tap pays
  • Idempotent webhook handlers for at-least-once delivery
  • Support search by order, gateway reference, and phone

Operations is part of checkout

Beautiful payment UI without reconciliation is a trap. Plan support tooling early—mean-time-to-resolution drops when ops can answer “where is the money?” without pinging engineering.

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