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Available in🇮🇳 India
Simpl PayLater and Pay-in-3 is a flexible BNPL option that lets customers split their purchases into three equal, interest-free installments. Payments are completed instantly at checkout without entering card details or OTPs. Simpl bills the total amount in three parts over a set period. For businesses, it helps enhance user experience, reduce cart drop-offs, and boost conversions while encouraging customer loyalty through convenient, no-cost payment flexibility. Follow the steps below to onboard Simpl as a payment provider.
Watch Out!Optimizer routes payments based on your business logic. But, the method enablement of each gateway needs to be handled between you and the gateway, or it may lead to failed payments.
Make sure you have Optimizer enabled for your Razorpay account.
Handy TipsNo additional configuration is required on your businesses end for Simpl integration.

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Integration Requirements

Before you go live with Simpl on Optimizer, add PayLater as a payment method on the Razorpay Dashboard.
  1. On the Razorpay Dashboard, navigate to Account & Settings.
  2. Select PayLater from the list of payment methods.
  3. Look for Simpl and click Request. Know more about how to request for a payment method. paylater simpl request
Once you complete the above steps, Simpl appears on your Razorpay Checkout.

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Add Simpl as Payment Provider

  1. Log in to your Dashboard.
  2. Go to the PAYMENT PRODUCTS section and click Optimizer.
  3. In the top-right section, click Add Provider.
  4. Select Simpl in the list of gateways available. Add simpl
  5. Enter the provider name and description and click Next. simpl Add Provider Name
  6. Enter your Gateway Terminal Id.
  7. Select Simpl from the Paylaters dropdown under the payment method section, and click Submit. Add Key simpl
You have successfully added Simpl as a payment provider on Optimizer.

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Configure Custom Rule

  1. Log in to your Dashboard.
  2. Go to the PAYMENT PRODUCTS section and click Optimizer.
  3. Click + Add New Rule. Add simpl rule
  4. Enter the Rule Name and Rule Description, then click Next. Add simpl
  5. Select the rule conditions as follows:
    • When - Select Payment Method.
    • is - Select Equal to.
    • Select Comparing Value - Select paylater.
  6. Click Add Another Condition and select the rule conditions as follows:
    • When - Select PayLater Provider.
    • is - Select Equal to.
    • Select Comparing Value - Select Simpl Pay in 3.
Add simpl
  1. Click Next.
  2. In the Route section, enter 100, select Simpl in the Payment Via section, and click Next. Add simpl
  3. Click Publish Rule. Add simpl
All transactions will now be routed via Simpl.

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Best Practices

Before routing all traffic or some traffic to a new gateway via Optimizer, the following best practices are recommended:
All rules configured in live or test mode on the Razorpay Dashboard will reflect in live mode. However, credentials added in test mode will not be automatically replicated in live mode.
You can reach out to Razorpay for basic sanity testing of the integration. Razorpay will try a test payment of a small value and ensure that the credentials are correct.

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Go Live

After the integration is tested and successful, you can go live with Simpl on Razorpay Optimizer.