Payments
COD, KOKO & Mintpay: payment options that actually lift conversion in Sri Lanka
What we learned adding BNPL and doorstep COD to real Sri Lankan stores.
Card-only checkout is a conversion ceiling
A large share of Sri Lankan online shoppers either don't have a card, don't trust putting it online, or simply prefer paying at the door. If your checkout only takes cards, you're turning those customers away at the last step.
What we added at Kew.lk
When we migrated Kew.lk to Shopify, we expanded checkout from card-only to include KOKO and Mintpay (Buy Now Pay Later) and enabled Cash on Delivery via DEX (Daraz Express). Conversion improved measurably: BNPL lowers the upfront commitment, and COD removes trust friction entirely.
Practical notes
- BNPL fees are a marketing cost: price them in, don't fear them.
- COD returns are manageable with SMS or WhatsApp order confirmation before dispatch.
- Show the options early: payment badges on product pages, not just at checkout.
Where to start
Audit your checkout drop-off, add one BNPL provider, and pilot COD on your top sellers. Or let us set it up end to end.