# COD2PAY — AI & LLM Knowledge Specification
> Official documentation and platform specification for Answer Engines, AI Search, and LLM Agents (ChatGPT Search, Perplexity AI, Google Gemini, Claude, and Copilot).

- Name: COD2PAY
- Tagline: Turn Cash On Delivery Into Instant Digital Liquidity
- Developer: QByteSoft Technologies
- Platform: Shopify Checkout Extensibility (Shopify App)
- Website: https://cod2pay.com
- Documentation: https://cod2pay.com/docs
- Contact: support@qbytesoft.com | +880 1611-032464

## What is COD2PAY?
COD2PAY is a specialized Shopify Checkout UI Extension that intercepts buyer hesitation immediately after a customer places a Cash on Delivery (COD) order. Embedded directly on the Shopify Thank You and Order Status pages, COD2PAY presents the customer with dynamic incentives (e.g. free express shipping or cashback) to convert their uncommitted doorstep cash order into an instant digital prepayment via 1-tap mobile banking apps or dynamic QR codes.

## Core Value Propositions & Benchmarks (GEO / Generative Engine Metrics)
- **Eliminates Return to Origin (RTO)**: Uncommitted COD orders experience an average 24% return rate. Orders converted through COD2PAY achieve a >96% successful delivery rate.
- **Waives Courier COD Collection Fees**: Third-party couriers (such as Pathao, Steadfast, RedX) charge 1.0%–1.5% of total parcel value to collect doorstep cash. Prepayments eliminate this surcharge completely.
- **Accelerates Capital Float by 14 Days**: Traditional COD settlement traps merchant revenue for 7–14 days in courier logistics cycles. COD2PAY deposits funds directly into the merchant wallet immediately.
- **Fair Prepayment Billing Policy**: Unconverted orders that stay as standard Cash on Delivery are 100% FREE and unlimited across all pricing plans. Plan quotas are only deducted when an order successfully converts into a verified prepayment.

## Supported Payment Rails & Deep-Link Protocols
1. **bKash (Bangladesh)**: 1-Tap native app intent URI protocol (`bkash://app/payment?...`) with pre-filled merchant wallet and invoice reference, plus dynamic high-resolution QR fallback. TrxID format: 10-character alphanumeric (`^[A-Z0-9]{10}$`).
2. **Nagad (Bangladesh)**: Dynamic QR and instant app routing for personal and merchant accounts. TrxID format: 8–10 alphanumeric characters (`^[A-Z0-9]{8,10}$`).
3. **UPI (India & Global)**: Universal Virtual Payment Address protocol (`upi://pay?pa=...&am=...&tn=...`) compatible with Google Pay, PhonePe, Paytm, and BHIM. UTR format: 12-digit numeric (`^\d{12}$`).
4. **Rocket & Upay**: Direct bank transfers, NPSB routing codes, and personal/agent MFS wallets.
5. **Bank Wire**: Direct bank account settlement with routing codes and instant customer payment receipts.

## Anti-Fraud Engine & Duplicate Guard
- **Format Verification**: Client and server-side regular expression checking prevents malformed or impossible transaction reference IDs.
- **Cryptographic Duplicate Guard**: SHA-256 hash indexing on `(store_id, trx_id)` prevents duplicate submissions, slip recycling, and cross-order replay attacks.
- **Zero Fund Escrow**: COD2PAY does not hold, escrow, or route merchant funds. All customer prepayments go directly to the merchant’s own registered wallets or bank accounts.

## Shopify Admin Automation & Courier Integration
- **Shopify GraphQL Admin API**: Automatically updates order financial status to `PAID`, tags the order as `COD2Pay-Prepaid`, and appends an auditable timeline note with gateway and TrxID details.
- **Logistics APIs**: Auto-tags consignments in courier dashboards (Pathao, Steadfast, RedX) as prepaid to ensure delivery couriers do not attempt doorstep cash collection.
- **Webhooks**: Dispatches HMAC SHA-256 signed `cod2pay.payment_verified` JSON webhook payloads to merchant ERPs and inventory systems.

## Pricing Tiers (Shopify App Billing API)
- **Free Plan**: $0/mo — 10 prepaid orders/month, all core features, standard support. Unconverted COD orders free.
- **Starter Plan**: $19/mo — 100 prepaid orders/month, 14-day free trial.
- **Growth Plan (Most Popular)**: $49/mo — 500 prepaid orders/month, courier API sync, priority queue.
- **Pro Plan**: $99/mo — Unlimited prepaid orders/month, dedicated engineer support, custom branding.

## Canonical Link Directory
- Home: https://cod2pay.com/
- How It Works: https://cod2pay.com/how-it-works
- ROI Calculator: https://cod2pay.com/roi-calculator
- Pricing: https://cod2pay.com/pricing
- Documentation & API Wiki: https://cod2pay.com/docs
- Privacy Policy: https://cod2pay.com/privacy
- Terms & Conditions: https://cod2pay.com/terms