PARTIAL COD

1. Objective of Implementation

DHUREE intends to introduce a ‘Partial COD & Secure Pay at Delivery’ system where customers pay 10% of the order value upfront as a confirmation fee, and the remaining 90% at the time of delivery. This model is designed to filter non-serious orders, reduce delivery refusals, and improve operational efficiency.

2. Checkout Flow Requirements

The checkout page must display two payment options:

Option 1: Full Prepaid – Customers paying 100% upfront for the order, priority processing, and eligibility for faster exchanges.

Option 2: Secure Pay at Delivery / Partial COD – Customers must pay 10% of the total order value upfront to confirm the order and the remaining 90% will be collected as Cash on Delivery.

3. Backend Calculation Logic

The system must calculate the payment split as follows:

Partial Payment = Subtotal × 10%
Remaining COD = Subtotal × 90%

Both values must be rounded appropriately to the nearest rupee. The order confirmation page and invoice must clearly display:
- Total Order Value
- Amount Paid (10%)
- Balance Payable at Delivery (90%)

4. Order Tagging & Automation

Upon successful 10% payment, M/s Dhuree will tag the order as ‘PARTIAL_10_PAID’. Orders paid fully will be tagged as ‘FULL_PREPAID’. In case of delivery refusal, orders will be tagged as ‘RTO_PARTIAL’. These tags will trigger appropriate courier handling and WhatsApp notification for workflows.

5. Pincode Validation & OTP Verification

The Secure Pay at Delivery / Partial COD option are only for eligible pincodes. A backend system must maintain a list of blocked or high-risk pincodes. Additionally, OTP verification must be mandatory before allowing 10% payment to prevent fraudulent orders.

6. Refund & Cancellation Policy Logic

If a customer cancels before dispatch, the 10% amount may be refunded after deducting payment gateway fees. If a customer refuses delivery without valid reason, the 10% confirmation fee will be retained to cover logistics expenses. All refunds must require manual administrative approval.

7. Reporting & Dashboard Requirements

The admin dashboard must provide weekly reports including:
- Total Orders
- Percentage of Full Prepaid Orders
- Percentage of Partial COD Orders
- Partial COD RTO Rate
- Top 20 High-Risk Pincodes
- Repeat RTO Customers

Data must be exportable in Excel format.

8. Risk Control Rules

Secure Pay at Delivery must not be available for orders exceeding ₹15,000. Customers with two or more prior RTO instances must be restricted from using this payment method. A blacklist system must be implemented to prevent repeated misuse.