> ## Documentation Index > Fetch the complete documentation index at: https://razorpay.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # COD and RTO Settings | Razorpay COD & Magic Checkout > Learn how to enable Cash on Delivery, turn on RTO Intelligence and set where COD is available and how it appears at checkout on Shopify. Available in 🇮🇳 India After successfully onboarding with COD & Magic Checkout, you can configure Cash on Delivery (COD) for your Shopify store. To configure COD, on the Dashboard, navigate to **Magic Checkout** → **Setup and Settings** → **Cash on Delivery**. The page is organised into three tabs: * **COD and RTO Settings**: Enable COD, turn on RTO Intelligence and set the basic rules that decide where COD is available, which shipping methods support it and how it appears at checkout. * [Advanced COD Workflows](https://razorpay.com/docs/payments/cod-magic-checkout/shopify/cod/advanced-cod.md): Set up rule-based COD workflows, such as blocking risky orders, adding extra fees or converting COD to prepaid. * [Partial COD](https://razorpay.com/docs/payments/cod-magic-checkout/shopify/cod/partial-cod.md): Collect a partial amount upfront and the balance on delivery. Use the **COD and RTO Settings** tab to turn on COD and RTO Intelligence and configure the basic COD rules for your store. ## COD & RTO Intelligence Overview Enable or disable COD and RTO Intelligence for your store. > [accordion] Enable COD as a payment option > > Toggle on **Enable COD as a payment option** to allow customers to choose COD at checkout. > > ![Enable COD as a payment option](https://razorpay.com/docs/build/browser/assets/images/cod-magic-checkout-cod-enable.png) > [accordion] Enable RTO Intelligence > > Razorpay's RTO engine is a real-time ML system that scores every COD order at the moment of checkout — before the merchant commits inventory — and predicts how likely that specific order is to come back as an RTO. > > The hard part is that at COD checkout there is no payment instrument to identify the buyer with — no card, no bank authentication, no verified identity. So the first thing the engine does is construct a buyer identity from what is available, and judge it against everything Razorpay has seen across its network. > > #### 1. Where the engine sits > > When a customer reaches checkout and COD is a candidate payment method, the merchant's storefront calls the COD eligibility service. Within a fraction of a second, it: > > * assembles the buyer's profile in real time, > * scores the order with the ML model, > * returns a risk score, a risk tier and a recommended action. > > This happens inline, before COD is displayed, so the customer can act on it within the same checkout session — with no visible delay. > > #### 2. What the model actually looks at > > Roughly six families of signal feed the model: > > a) **Buyer's own COD history across the network**: how many COD orders this phone/email has placed, how many were delivered, how many came back, how recently the last refusal was, and whether there's a streak of consecutive refusals — measured over multiple time windows (30/60/90/180 days) to distinguish a buyer who recently went bad from one with a single old incident. > > b) **Payment behaviour on the Razorpay network**: whether this buyer has ever successfully paid online, how long they've been present on the network, and across how many merchants. A genuine prepaid payment history is a fundamentally different signal than none, even for a buyer new to this merchant. > > c) **Address and contact quality**: automated checks for gibberish or keyboard-mashed addresses, incomplete addresses, mismatched PIN code/city/state combinations, disposable or placeholder email domains, and invalid phone number patterns — these catch "type anything to get through checkout" behaviour, which correlates strongly with refusal. > > d) **Location and delivery difficulty**: historical RTO behaviour at PIN code and city level, and how the likely shipping partner has historically performed on that route. Some delivery lanes are simply harder, and the model accounts for that rather than penalising the buyer. > > e) **Order and basket context**: order value relative to that merchant's normal range, product category, quantity and variant patterns (e.g. multiple sizes of the same item), and time of day — this separates a routine repeat purchase from a high-risk impulse order. > > f) **Merchant and category context**: the merchant's own RTO history and the behaviour of the category they operate in. The same buyer profile carries different risk on a fashion store than on an electronics store. > > #### 3. Continuous feedback loop powered by last-mile logistics partnerships > > One of Razorpay's biggest advantages is access to post-checkout delivery outcomes. Razorpay has built long-term integrations with leading logistics providers (such as Shiprocket and Delhivery) and OMS platforms (such as Unicommerce). These partnerships let Razorpay automatically fetch order lifecycle events — delivered, RTO, cancelled or in-transit status — at scale. This verified last-mile data forms the ground truth used to continuously retrain and improve the ML models, so accuracy keeps improving as more delivery data flows through the system. > > Turn on **Use RTO Intelligence AI to not show COD for potential RTO customers** to check customer eligibility for COD based on their purchase history. If a customer is ineligible, the COD option is hidden, displaying only prepaid options at checkout. Click **Enable COD Intelligence** in the confirmation pop-up modal. > > ![Enable RTO Intelligence](https://razorpay.com/docs/build/browser/assets/images/cod-magic-checkout-cod-rto-intelligence.png) > > > [!WARNING] > > > > **Watch Out!** > > > > To enable RTO Intelligence, you must activate Magic Checkout. > > > > > [accordion] To activate Magic Checkout: > > > > > > 1. Click **Activate** under **Enable RTO Intelligence**. > > > > > > ![Activate Magic Checkout](https://razorpay.com/docs/build/browser/assets/images/cod-magic-cod-activate-magic.png) > > > 2. On the **Checkout Settings** page, turn on **Enable Magic Checkout**. > > > 3. Click **Save Settings**. > > > > > > ![Enable Magic Checkout to activate RTO Intelligence](https://razorpay.com/docs/build/browser/assets/images/cod-magic-checkout-cod-enable-magic.png) > > > [accordion] Enable manual review of COD orders > > > > Turn on **Manual Review of COD Orders** to tag medium-risk and high-risk customers in your Shopify orders log. This lets you manually review flagged orders and decide whether to approve, hold or cancel them before fulfilment. > > > [accordion] Disable COD Intelligence > > > > To turn off RTO Intelligence, toggle off **Use RTO Intelligence AI to not show COD for potential RTO customers** and click **Confirm** in the pop-up modal. > > > > > [!WARNING] > > > > > > **Watch Out!** > > > > > > Disabling COD Intelligence stops the AI from analysing orders and blocking high-RTO transactions. This can increase Return to Origin (RTO) for COD orders. ## COD and RTO Settings ![COD and RTO Settings page](https://razorpay.com/docs/build/browser/assets/images/cod-magic-checkout-cod-rto-settings.png) Set up rules for COD zones, product categories, cart value and how COD appears at checkout. By default, COD is active everywhere. > [accordion] Select where COD is available > > Decide where COD is offered based on location, products or cart value. Click **Change Rules** next to **Select where is COD available?**, then click **Create Rule** and configure any of the following: > > | Tab | Description | > | - | - | > | Locations | Make COD available across all locations in India or restrict it to specific states or pincodes. Click **Add location segment** to add a location rule. | > | Products | Enable COD for all products or only for selected products or categories. | > | Cart Range | Offer COD for all cart values or define a minimum and maximum order value range. | > > > [!NOTE] > > > > **Handy Tips** > > > > COD is free for all cart values by default. Use [Advanced COD Workflows](https://razorpay.com/docs/payments/cod-magic-checkout/shopify/cod/advanced-cod.md) to charge a COD fee or apply other conditions. > [accordion] Select the shipping methods that support COD > > Choose which shipping methods support COD payments. Click **Change Shipping** next to **Which shipping methods will support COD?**. > > COD is enabled for all your shipping methods by default. Uncheck the shipping methods where you do not want to offer COD, then click **Save**. > > > [!NOTE] > > > > **Handy Tips** > > > > Click **Go to Shipping Setup** to manage your shipping methods and rates. Know more about [shipping options on Shopify](https://razorpay.com/docs/payments/cod-magic-checkout/shopify/shipping-options.md). > [accordion] Choose how COD appears at checkout when unavailable > > Under **How COD appears in your checkout when unavailable?**, select one of the following: > > * **Show COD in disabled state** *(Recommended)*: COD is shown as a disabled option for ineligible customers. > * **Don't show COD option**: COD is hidden entirely for ineligible customers. ## Common COD Workflows Most merchants use these workflows along with the basic COD rules above. You can set them up directly from this tab, or find all options under [Advanced COD Workflows](https://razorpay.com/docs/payments/cod-magic-checkout/shopify/cod/advanced-cod.md). | Workflow | Description | | - | - | | Add Extra Fees | Add fees based on zones, cart value or products to recover logistics costs. | | Block Risky Orders | Restrict COD for specific risky customers, pincodes or products. | | More Options | Convert COD to prepaid, verify orders with OTP and more. | ## Next Steps * [Advanced COD Workflows](https://razorpay.com/docs/payments/cod-magic-checkout/shopify/cod/advanced-cod.md) * [Partial COD](https://razorpay.com/docs/payments/cod-magic-checkout/shopify/cod/partial-cod.md)