Payment gateways
Route: /org/ecom/storesettings?tab=payments · Permission: Manage Store Settings
1. What this section is
An override screen, not a setup screen. Gateways are configured for the organization; this page shows each one's org-level state and lets a project depart from it — but only where the organization has allowed that.
Override the organisation's payment gateway configuration for this project. Each gateway shows whether the org allows project-level override; where allowed, you can toggle availability and supply project-specific API keys.
| This section | Organization → Payments | |
|---|---|---|
| Scope | One project | The organization |
| Can connect a gateway | Only if override is allowed | Yes |
| Default behaviour | Inherit | Define |
2. How a gateway resolves
3. The screen
Step 1 · Read the gateway rows
Three gateways, each with two badges:
| Gateway | Badge | Meaning |
|---|---|---|
| Razorpay | LIVE | The org-level state |
| Stripe | LIVE | |
| Cash on Delivery | LIVE | |
| all three | OVERRIDE DISABLED | "The org has not enabled project override for this gateway. Inherits org-level state." |
A Setup guide link and a per-row external link lead to the organization configuration.
It means the organization has kept control of that gateway. The project inherits whatever the org has set, and nothing on this screen will change it — including the availability toggle, which does not appear.
To change a gateway in that state you have to go to the organization's payment configuration.
Step 2 · Configure the COD scan-to-pay QR
This block is not subject to the override rule — it "Applies to this project's COD orders, whether COD is overridden here or inherited from the org."
| Control | Behaviour |
|---|---|
| Send QR in COD emails | Master toggle. Off means no QR is ever sent |
| UPI ID (India / INR) | store@upi — generates a per-order QR |
| Payee name (optional) | "Shown in the customer's UPI app" |
| Upload payment QR image | A static image for non-INR stores |
4. Field reference — how the QR is chosen
The screen states the precedence plainly:
For India / INR stores, enter a UPI ID — a per-order QR with the exact amount pre-filled is generated automatically. For other countries / currencies, upload your own payment QR image (bank, PayNow, etc.) — it's shown as-is (no amount). UPI takes precedence for INR orders; the uploaded image is the fallback. Turn the toggle off to never send a QR.
| Situation | What the customer receives |
|---|---|
| INR order, UPI ID set | A generated QR with the exact amount pre-filled |
| Non-INR order, image uploaded | The uploaded image, no amount |
| Both set, INR order | The UPI QR — UPI wins |
| Toggle off | No QR, whatever is configured |
A static image cannot encode a per-order total, so the customer types the amount themselves. Expect under- and over-payments, and reconcile COD collection manually.
Where the store is INR, a UPI ID is strictly better — it is exact.
5. The admin contract
| Prerequisite | Without it |
|---|---|
| Manage Store Settings | Read-only |
| Organization gateway configuration | Every row reads OVERRIDE DISABLED and nothing is payable |
| Org override allowed | The project cannot deviate |
| A UPI ID or a QR image | COD emails carry no payment instruction |
6. Downstream
| Setting | Consumer |
|---|---|
| Gateway availability | The checkout payment options |
| COD QR | COD order emails |
| Project API keys | Payment capture for this project's orders |
7. Don't confuse this with…
| Thing | Where | Why |
|---|---|---|
| Payment gateways (this page) | Store Settings | Project-level override |
| Organization payments | Organization Settings | Where gateways are actually connected |
| COD collection | Payments and invoices | Recording that cash arrived |
| Refunds | Refunds and credit notes | Money going back |
8. Troubleshooting
| Symptom | Cause |
|---|---|
| Cannot enable a gateway | OVERRIDE DISABLED — change it at organization level |
| No payment option at checkout | No gateway is live at org level |
| COD email has no QR | The toggle is off, or neither a UPI ID nor an image is set |
| QR has no amount | It is an uploaded image; only UPI encodes the total |
| A non-INR store gets no UPI QR | UPI generation is INR-only by design |
Related
- Location & delivery — the other half of checkout
- Payments and invoices