About POP: Creating a Rewarding Lifestyle Experience
POP is a next-gen lifestyle and fintech platform built on a single idea: give digital-native consumers the fastest, most user-friendly UPI experience and reward every transaction along the way. From everyday shopping to larger lifestyle spends, POP’s unified journey lets users pay, shop and earn in one tap. The brand’s proprietary rewards currency, POPcoins, is at the center of this flywheel—creating retention loops and unlocking delightful incentives across transactions.
With ambitions to go beyond e-commerce into broader lifestyle experiences, POP is building a sticky, full-stack ecosystem tailored for today’s experience-hungry, digital-savvy consumer. Razorpay is a core part of this journey.
The Challenge: Building Checkout Flows That Convert and Retain
As POP scaled its lifestyle-commerce flywheel, it encountered two core payments challenges:
- Fragmented Payment Experience
A mix of native flows and third-party integrations created inconsistencies, with no central payment orchestration or single nodal visibility. - High RTO Risk & Checkout Drop-offs
As a growing e-commerce player, POP needed a checkout system that could intelligently manage risk, enable saved payments, and boost conversions.
The Solution: Deepening Checkout and Loyalty Integration with Razorpay
To streamline its end-to-end payments experience and increase conversion efficiency, POP doubled down on its Razorpay partnership. The solution spanned multiple touchpoints:
One-Time Payments (D2C Commerce)
POP uses Razorpay’s Payment Gateway for all non-POP UPI prepaid orders—including UPI, cards. This powers 20,000–30,000 monthly orders, contributing to nearly 30–40% of prepaid volumes. Razorpay’s saved payment capabilities and seamless address recall reduced friction across purchases—particularly important during shopping rush , where reliability and speed are critical.
Operational Visibility and Refund Management (RazorpayX)
POP leverages RazorpayX and PG dashboards for day-to-day visibility into stuck payments, refunds, and success rates. This has significantly improved refund turnaround and reduced dependency on support teams for RCA. With deep linking and real-time tracking, POP significantly improved refund query resolution—often faster than internal data teams could manage.
Conversion Optimisation with UPI and Data Accuracy
By tightening UPI integrations and moving away from manual orchestration via VPAs, POP improved payment success rates across UPI flows. Razorpay’s platform-level data accuracy also enabled better analytics and proactive fraud management, with Saurav noting it was “more accurate than internal data in some cases,” especially for tracking reconciliation issues post-RTO or return signals.
“From day-to-day operations to refunds to high-scale events—Razorpay has consistently delivered. Even when our volumes were modest, the responsiveness and platform stability never wavered.”
What’s Next: Scaling With Loyalty and Intelligent Flows
As POP doubles down on UPI and e-commerce and sets the stage for a new wave of fintech and lifestyle experiences, it is deepening its integration with Razorpay to fuel the next phase of growth. Upcoming initiatives include:
Exploring Smarter, Risk-Aware Checkouts
POP will soon leverage Magic Checkout to mitigate RTOs by pre-assessing risky users and dynamically disabling COD. With plans to decouple payments from backend services, a full Razorpay integration will enable faster, scalable rollout of new product verticals without compromising reliability or speed Integrated Loyalty at Checkout
POP is building toward POPcoins visibility and redemption within Razorpay checkouts, giving users the ability to earn and burn rewards natively across both POP and Razorpay’s merchant ecosystem. This will enhance both prepaid adoption and AOV, while boosting ecosystem retention.
Interested in Razorpay’s offerings? Chat with a product expert now.
