The payment mix on an Indian store is a commercial decision, not a checkout setting.
UPI dominates Indian digital payments and behaves differently from cards on cost, settlement and failure modes.
COD is a payment method in name and an unsecured option in practice, with costs that never appear as refunds.
Payment failure is a large and under-measured source of lost orders, and the recovery path matters as much as the method mix.
Offering everything is not a strategy — each method carries cost, reconciliation work and a distinct failure profile.
At minimum UPI and cards, because between them they cover most digital payment preferences.
The full guide has the formats, the deadlines and the worked examples.