Simpl

Simpl: Pay-Later Checkout Option For Online Merchants

Simpl is a pay-later checkout option designed for online commerce in India. It enables eligible shoppers to complete purchases with a low-friction “1-tap” checkout experience and defer repayment, while merchants receive settlements based on their agreed settlement cycle. For merchants evaluating deferred payment options, Simpl is best understood as a checkout-layer product that can be plugged into an existing online checkout stack, rather than a full-stack payment gateway or POS platform.

What Simpl Is For Merchants

Simpl positions itself as an online “khata” model that connects shoppers and merchants across a large merchant network. In practice, merchants add Simpl as a payment option at checkout so eligible customers can choose a pay-later flow. The merchant experience is oriented around:

• Adding Simpl to an existing checkout flow

• Offering deferred payment choices to customers (including pay-later and a split-pay option)

• Receiving merchant settlements while Simpl manages customer repayment and credit risk

Simpl’s merchant proposition is typically relevant for brands that want to offer a postpaid experience to eligible customers while keeping merchant operations aligned with established settlement and reporting processes.

Supported Acceptance Channels

Simpl is focused on online payments rather than physical point-of-sale acceptance. The core acceptance context is digital checkout:

• Online (web) checkout

• Mobile app (in-app) checkout, depending on the merchant’s stack

If your primary requirement is in-store acceptance, QR-based collection, or card-present flows, Simpl is not positioned as a POS terminal solution.

Payment Types And Customer Experience

Simpl’s merchant-facing offering centers on deferred payment.

Deferred Payment Options

Simpl provides deferred payment options that can appear at checkout, including:

• Pay later

• A split-pay option described as “Pay in 3”

These options are designed to be presented as part of the merchant checkout payment method selection, allowing eligible shoppers to choose a postpaid or installment-like flow.

Checkout And Billing Flows

Simpl is integrated into the merchant checkout as a selectable payment option. The defining checkout attribute is a streamlined experience often described as “1-tap” for eligible shoppers.

In practical implementation terms, merchants should expect:

• A dedicated payment option in the checkout UI

• An eligibility-based customer experience that determines who can use the deferred payment option

• Customer reminders and repayment handled by Simpl, rather than by the merchant

For merchants, this can reduce the need to build custom invoicing or repayment collection workflows for deferred payment.

Integration Options And Developer Considerations

Simpl is designed to be added to an existing checkout environment. Integration pathways depend on the commerce platform and checkout provider.

Platform And Checkout Compatibility

Simpl is designed to plug into existing checkouts, including platform-native paths and integrations with checkout partners. It is also positioned to support custom stacks via APIs.

Implementation Speed

Simpl’s merchant materials describe go-live timelines that can be significantly shorter than traditional payment method rollouts for standard configurations. Where a standard platform-native integration is available, implementation can be positioned as “no coding needed” for that path, while custom stacks integrate via APIs.

Merchant Tools And Reporting Access

Simpl references a merchant dashboard environment intended to support operational needs such as:

• Accessing integration documents

• Viewing transactions

• Fetching settlement reports

When assessing operational readiness, confirm whether the dashboard supports your internal reconciliation workflow, finance reporting needs, and dispute tracking conventions.

Risk Management And Collections

A core operational distinction of deferred payment methods is who owns repayment risk and collection efforts:

• Simpl manages repayments and credit risk

• Merchants are paid according to their settlement cycle

• Machine learning is used to filter higher-risk shoppers who are more likely to default, with an intent to reduce COD reliance and associated return-to-origin outcomes

From a merchant perspective, the practical implication is that credit underwriting and repayment collection are handled by the provider, while merchants focus on order fulfillment and normal post-purchase support.

Settlements And Reconciliation

Merchants are paid per their settlement cycle. Because settlement timing is program-specific, merchants should operationalize this by confirming:

• The settlement cycle (timing and cadence) defined in the commercial agreement

• How MDR and any program fees are deducted from settlements

• Availability and format of settlement reports for reconciliation

This is particularly important for merchants that run frequent promotions, offer partial refunds, or operate multiple storefronts that need consolidated reporting.

Fit For Merchant Types And Use Cases

Simpl is primarily relevant to online-first merchants that want to add a deferred payment option without rebuilding their checkout.

Typical fit considerations include:

• D2C brands and ecommerce merchants seeking an additional payment option at checkout

• Merchants that want a postpaid experience for eligible customers while maintaining a prepaid-like merchant settlement model

• Teams that benefit from a guided integration path, templates, and structured onboarding steps

• Early-stage and growth-stage brands that need quick deployment with limited engineering bandwidth for standard stacks

Simpl’s merchant program messaging also emphasizes support assets such as integration guides, marketing templates, and periodic reporting, which may matter for brands that want a packaged rollout approach rather than a purely technical integration.

Conclusion

Simpl is a deferred payment checkout option for online merchants that focuses on a streamlined pay-later experience, including “Pay Later” and “Pay in 3” flows, with provider-managed credit risk and repayments. For merchants, the product is positioned as a checkout-layer integration that can be deployed through supported checkouts or custom API integration, paired with merchant tooling such as a dashboard and settlement reporting. Commercially, published program materials describe a ₹21,000 monthly fee plus MDR with zero upfront cost for the referenced plan, with fees deducted from settlements after transactions begin.