For D2C & e-commerce merchants
The customer reached the checkout. Then dropped off.
Intent was high. Conversion wasn't. Friction appears at the final decision — every time.
The problem
Three problems.
One platform solves them.
Reached checkout. Then left.
Someone spent 10 minutes choosing products. Got to the payment screen. Closed the tab. Not because they didn't want it — because something wasn't quite right at the final moment.
Every sale trains customers to wait.
Run a 20% off campaign and you teach your customers one thing — don't buy at full price. Wait for the next sale. Your best customers become your most patient ones.
Most merchants run campaigns, not systems. No repeat purchase logic. No data on what closed the order or brought the customer back.
Checkout Optimisation Layer
Injects personalised value at cart and order summary — before the payment gateway is called. Real estate your payment gateway never touches.
Value Injection Engine
Shows customers what rewards or bank offers they have available right at checkout. "You have bank rewards available on this order.
Offer Optimisation Engine
Determines which offer to surface based on basket size, category, and customer profile. One decisive offer — not a noisy stack.
Merchant Analytics
Conversion uplift, AOV impact, offer ROI — per campaign and per cohort. Know which offer closed which order. Stop guessing.
Works with your existing stack.
No payment gateway switch. No rebuild. Ever.
JS snippet or mobile SDK
One snippet on your cart or order summary page. SpendOS is called before the PSP modal opens — completely separate from whichever PSP you use.
Any Payment Gateway
Works alongside any PSP. No switching. No changes to your payment flow.
Payment Orchestration
When a customer applies a reward or offer, SpendOS ensures the correct instrument settles the order. Fully automated. No manual reconciliation.
Traditional Approach
Sitewide sales — training customers to wait for discounts
Offer stack at checkout — customer hesitates and leaves
No attribution — you know what you spent, not what it closed
With SpendOS
One personalised offer at the cart — before doubt sets in
Bank rewards close the order — your margin stays yours
Full attribution — per offer, per order, per customer segment
The impact
How SpendOS Creates ROI
SpendOS helps merchants improve conversion, increase repeat purchases, and turn the payment moment into a measurable engagement surface.
Reduce cart abandonment
Contextual value helps users complete transactions before hesitation causes drop-off.
Increase average order value
Dynamic incentives and bundled offers encourage higher spend behavior.
Improve repeat purchases
Create post-transaction engagement loops tied to customer behavior.
Reduce blanket discount dependency
Move from broad discounting to contextual and measurable incentives.
Launch targeted campaigns
Deploy category, cohort, and behavior-driven campaigns directly at transaction moments.
Measure commerce outcomes
Track conversion uplift, repeat behavior, redemption impact, and campaign ROI.
The integration
Live in weeks. Nothing changes.
Works with Razorpay, Cashfree, Juspay, Stripe — or any PG. No switch required. No change to your payment flow.
Connect
One JS snippet or SDK. Add to your cart or order summary page. SpendOS is live before your next campaign.
Configure
Console. No engineering wait. Set offer logic, basket-size thresholds, and campaign targeting — no dev tickets, no release cycles.
Optimise
Merchant Analytics dashboard. Conversion uplift, AOV impact, offer ROI — per campaign and per cohort.
Built right
The layer your dev team deploys in hours.
Live in days
One JS snippet. No PSP change. No checkout rebuild. SpendOS is the fastest integration your growth team will ever ship.
Works with any PG
Cart and order summary — before the payment modal. Real estate no PG touches. SpendOS owns the moment before "Pay Now."
Full attribution
Every offer tied to a transaction outcome. Conversion uplift, AOV impact, offer ROI — per campaign, per cohort, per order.
ROI FAQ
Why would merchants pay for SpendOS?
Where does the ROI come from?
Does this mean more discounting?
Can this work offline too?
What should merchants measure first?
How do merchant-funded campaigns work?
