Captures sight-unseen hesitation
A buyer who wants to see and hold the saree before paying can still complete the purchase, rather than abandoning it because online-only payment felt too risky to them.
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The whole team
Nineteen specialists, each with a defined job and an honest status label.
See all nineteenThe business can still capture sales from customers who don't trust or can't complete online payment, a common preference outside major metros.
Works with
What it does
The owner can toggle Cash on Delivery as a payment option, optionally with rules such as a maximum order value or restricted pin codes. COD orders are flagged distinctly in the order dashboard so the owner knows payment is still due at delivery.
A handloom label selling sarees to customers well outside the metros keeps hearing the same hesitation from a genuinely interested buyer — they want the piece, but they're not paying for silk they haven't held yet, to an online store they've never bought from before. Refusing any alternative to online payment simply loses the sale.
Cash on delivery lets the seller capture exactly that sale. The owner switches COD on as a payment option and can set rules around it — a maximum order value, or pin codes it does and doesn't apply to — so it's available where and when it makes sense for the business rather than universally applied. COD orders show up distinctly in the order dashboard, flagged as payment still due at delivery rather than already settled, so nothing gets confused with an order already paid online.
Kuber runs this directly on the platforms your customers already use — no separate app for them to install.
How it works
The owner switches Cash on Delivery on from the payment settings, making it appear as a choice at checkout alongside UPI, card, and any other online methods already connected to the store directly and reliably.
Rules like a maximum order value, or a list of pin codes where COD is or isn't offered, are configured once and checked automatically at checkout against every order that comes through afterward, continuously and without fail.
When a shopper reaches checkout, a rule check runs against their order value and delivery pin code before COD is even shown as an available choice for them to actually select from at all, ever.
Every COD order appears distinctly in the order dashboard, marked clearly as payment still due at delivery, so it's never mistaken for an order that's already been settled and paid for entirely online in advance.
Why it matters
A buyer who wants to see and hold the saree before paying can still complete the purchase, rather than abandoning it because online-only payment felt too risky to them.
A maximum order value or a pin-code restriction means COD is offered where it makes sense for the business, not blanket-applied to every order regardless of risk.
A distinct pending-payment flag on every COD order stops it from being treated, packed, or reported as already paid for when it genuinely isn't yet.
The detail
Cash on delivery shifts a real cost onto the seller that online payment doesn't carry: when a COD order is refused at the doorstep, or the customer isn't reachable, the item travels back as a return-to-origin, and both outbound and return shipping cost is typically absorbed by the seller, not the customer who declined it. A handloom label shipping a high-value saree COD to a first-time buyer far from its base takes on a quantifiable loss if the order isn't collected — a risk a maximum order value rule exists to cap, rather than leaving every order exposed to unlimited return-shipping loss.
Fraud is the second exposure, and it differs from a card-payment dispute because there's no payment to charge back — the loss is purely the cost of packing and shipping an item nobody collects. A pattern of fake or speculative COD orders, sometimes placed with no real intention to accept delivery, is a known risk any seller offering COD without a verification step must expect — a phone confirmation call before dispatch, or a pin-code restriction on areas with a history of non-collection.
Reconciling COD income takes more deliberate tracking than online payment, because the cash is collected by the delivery partner handling that order, not the seller at the moment of sale. Matching what the partner reports as collected against what the ledger says was owed is a manual step that must happen regularly — a mismatch between the two is far easier to catch weekly than to untangle months later across hundreds of accumulated orders.
Industry use cases
5 industries where Kuber applies this directly.
A car service center lists their repair packages with prices, lets customers book a slot for an oil change through the booking widget, and captures a lead form submission from someone asking about a specific part in stock.
See the automotive playbookA home-based cosmetics seller lists their skincare range with variant options for shade, accepts a UPI payment at checkout, and shares the same catalog as a WhatsApp link with a regular customer.
See the beauty and cosmetics playbookA physiotherapy clinic lets patients book a session through the calendar widget, and the clinic issues a GST invoice for the consultation fee once payment is collected via UPI.
See the health and wellness playbookA home decor seller lists handcrafted furniture pieces with multiple images each, a customer places a COD order for a large item, and the owner updates the order status as it moves from packed to delivered.
See the home decor and furnishing playbookA restaurant publishes its menu as a product catalog with prices, a regular customer places a takeaway order and pays via UPI at checkout, and the owner tracks the order through to pickup.
See the restaurants and food playbookMore from Kuber
The business gets a ready-to-edit website or storefront within minutes of describing what they sell, without hiring a designer.
Learn moreThe business owner can change text, images, colors, and layout on their own without writing code or waiting on a developer.
Learn moreThe business's website is reachable at their own branded domain (e.g., theirshop.in) instead of a generic subdomain.
Learn moreThe business's site and store stay online and load quickly for shoppers across India without the owner managing any servers.
Learn moreThe business can list everything they sell with correct prices, options, and stock counts in one place instead of juggling spreadsheets.
Learn moreA shopper can browse products, add them to a cart, and complete a purchase entirely on the business's own site.
Learn moreQuestions
The item returns to the seller as a return-to-origin shipment, and both the outbound and return shipping cost is typically borne by the seller, not the customer who declined it. This is the core financial risk COD carries that online payment doesn't, which is exactly why a maximum order value rule is worth setting — it caps how much shipping loss any single refused order can create for a high-value item like a saree.
Yes — pin-code rules can restrict COD to specific areas, or exclude specific ones, so it's offered selectively rather than universally across every possible delivery destination the business ever ships to across the country. A seller who's noticed non-collection problems concentrated in certain areas can restrict COD there specifically while continuing to offer it everywhere else without any issue whatsoever.
This requires actively comparing what the delivery partner reports as collected against the order ledger's expected amount for each COD order, since the cash itself is collected by the delivery partner, not received directly by the seller. Doing this reconciliation regularly, rather than occasionally, makes a mismatch — a partial collection, a partner error — far easier to catch while the details are still genuinely fresh.
A verification step before dispatch — a confirmation call or message to the customer — is the most common way sellers catch a speculative order before it's packed and shipped, since COD fraud has no payment to charge back, only the cost of shipping an item nobody collects. Pin-code restrictions on areas with a known history of non-collection are the other practical lever available to reduce this exposure.
The rest of your stack
No rip-and-replace — offer cash on delivery works alongside the systems already running your business.
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