Payments for D2C brands running on thin margins
When your contribution margin is 12%, a 0.25% MDR improvement is two percent of your profit. And every failed UPI attempt at checkout is a customer who goes back to cash on delivery.
The problem
How payments actually hurt in d2c & ecommerce
Generic payment advice misses what's specific to your category. These are the failure modes we see most often here.
MDR eats contribution margin
On a ₹1,200 AOV with 12% contribution margin, payment cost is a meaningful share of what you actually keep. Most brands negotiated their rate once, at launch, at a fraction of today's volume.
Failed payments become COD orders
A declined UPI attempt rarely gets retried on the same rail — the customer switches to cash on delivery, and now you're carrying RTO risk and a working-capital gap on an order you'd already won.
Sale-day traffic breaks single-provider setups
Your biggest revenue hours are exactly when a single acquirer is most likely to degrade. One rail wobbling during a flash sale costs more than a month of MDR.
Slow settlement funds your competitor's ad spend
Cash sitting in a T+2 or T+3 cycle is inventory you didn't buy and ads you didn't run.
What we do about it
How PayVizio is set up for d2c & ecommerce
UPI-first success rates
UPI is most of your volume, so it gets the most attention — live handle-level health scoring, failover, and retries tuned to how UPI actually fails.
Method-level pricing
A UPI-heavy basket shouldn't be priced off a blended rate that subsidises card acceptance you barely use. We price each method separately.
Faster settlement for inventory cycles
Standard T+1 with on-demand settlement, so your cash cycle isn't dictated by your payment provider.
Conversion-tuned checkout
Mobile-first hosted checkout with saved instruments and method ordering based on what the customer used last time.
Recover abandoned orders
Payment links let you push a direct payment request to a customer who dropped at checkout, over WhatsApp.
Peak-hour resilience
Multiple acquirers with automatic failover means a sale-day rail outage degrades one route, not your storefront.
Run the numbers
What is this costing you today?
Three inputs, no form. If the number is uncomfortable, the written audit shows you exactly where it's going.
Your numbers
What that is costing you
Avoidable payment cost, per year
₹6.00 L
₹50K a month — modelled at an effective 1.70% versus your 1.95%.
₹6.67 L
Working capital unlocked by moving 1 day earlier
₹36.00 L
Annual GMV recovered at a 1.5% authorisation uplift
Indicative model, not a quote. It assumes a 0.25% improvement on your effective MDR, T+1 settlement, and a 1.5% authorisation uplift from failover and retries. Your actual numbers depend on business category, payment mix, and volume — the audit works them out from your real statements.
Find out what payments cost your d2c & ecommerce business
A free, written payment cost audit against your real numbers. No integration, no obligation.