Financial Intelligence

Payments & Finance

Accept payments from anywhere, track every rupee, and get deep financial insights. From multi-gateway payments to automated accounting and revenue analytics.

8+ Payment Gateways
Auto-Reconciliation
Real-Time Analytics

Complete Financial Solution

Multi-Gateway Support

Integrate Razorpay, Stripe, PayPal, Paytm, PhonePe, and more. Accept payments via UPI, cards, wallets, net banking, and EMI in one checkout.

All payment methods in one place

Revenue Analytics

Track GMV, net revenue, margins, and profitability per channel, product, and customer segment. Understand your true unit economics.

Know exactly where you make money

Secure Transactions

PCI-DSS Level 1 compliant payment processing. End-to-end encryption, fraud detection, and secure card vaulting.

Bank-grade security

Automated Accounting

Auto-reconcile payments with orders. Generate GST invoices, profit & loss reports, and cash flow statements automatically.

Zero manual bookkeeping

Financial Reporting

Daily, weekly, monthly financial reports. Track pending payments, settlement cycles, refunds, and chargebacks in real-time.

Complete financial visibility

Instant Settlements

Get paid faster with instant settlement options. No waiting 3-7 days for payment gateway settlements.

Improve cash flow by 40%

Multi-Currency

Accept payments in 100+ currencies. Automatic forex conversion and settlement in your preferred currency.

Sell globally, get paid locally

Fraud Prevention

AI-powered fraud detection flags suspicious transactions. Configurable risk rules and automatic order verification.

Reduce fraud losses by 90%

Integrated Payment Gateways

Accept all payment methods your customers prefer

💳

Razorpay

UPI, Cards, Wallets, NetBanking, EMI

💠

Stripe

Cards, Wallets, BNPL

🅿️

PayPal

PayPal Balance, Cards

📱

Paytm

Paytm Wallet, UPI, Cards

☎️

PhonePe

PhonePe Wallet, UPI

🔵

Google Pay

UPI, Google Pay Balance

🔶

CCAvenue

200+ payment options

📦

Instamojo

Cards, UPI, Wallets

Revenue Analytics Dashboard

Track every metric that matters for your business

Gross Merchandise Value (GMV)

Total value of all orders before discounts, returns, and fees

📊 Track overall business volume

Net Revenue

GMV minus discounts, returns, shipping costs, and gateway fees

📊 Actual money you keep

Gross Margin

Revenue minus cost of goods sold (COGS)

📊 Product profitability

Net Profit Margin

Net revenue minus all operating expenses

📊 Bottom line profitability

Average Order Value (AOV)

Total revenue divided by number of orders

📊 Optimize pricing and upsells

Customer Lifetime Value (CLV)

Predicted revenue from a customer over their lifetime

📊 Justify marketing spend

Payment Success Rate

Percentage of successful vs failed payments

📊 Optimize checkout flow

Refund Rate

Percentage of orders refunded

📊 Product quality indicator

Automated Accounting

From GST compliance to financial reports, all automated

GST Compliance

  • Auto-calculate GST (CGST, SGST, IGST) based on customer location
  • Generate GST-compliant invoices with HSN codes
  • GSTR-1, GSTR-3B ready reports
  • E-way bill generation for interstate shipments

Payment Reconciliation

  • Auto-match payments with orders across all gateways
  • Identify missing/delayed settlements
  • Track refunds and chargebacks
  • Export to Tally, Zoho Books, QuickBooks

Profit & Loss (P&L)

  • Revenue by channel, product, category
  • COGS tracking per product
  • Operating expenses categorization
  • Net profit by day/week/month

Cash Flow Management

  • Track pending settlements from gateways
  • Forecast future cash inflows
  • Monitor outstanding refunds
  • Working capital optimization

AI-Powered Fraud Prevention

Reduce fraud losses by 90% with smart detection

Velocity Checks

Flag multiple orders from same IP, device, or card in short time

Auto-block or manual review

Address Verification

Validate billing and shipping address match, flag mismatches

Request additional verification

High-Value Orders

Automatically flag orders above configured threshold

Phone verification before shipping

Blacklist Management

Maintain blacklist of fraudulent emails, phones, addresses

Auto-reject blacklisted customers

COD Risk Score

ML model scores COD orders for fraud likelihood

Convert high-risk to prepaid or block

BIN Validation

Validate card BIN, flag international cards for domestic products

Additional checks for risky BINs

Instant Settlements

Get paid same day, not next week

Standard Settlement

Timeline

T+3 to T+7 days

Impact

Cash locked for a week

Working Capital

Need higher buffer

LazyCommerce Instant

Timeline

T+0 (Same day)

Impact

Cash available immediately

Working Capital

40% lower buffer needed

Take Control of Your Finances

Join 8,000+ brands managing payments and finances with LazyCommerce