The pandemic has seen major shifts in the market and one among the many are payment methods. In the pre-COVID period, consumers opted to pay for over 60% eCommerce transactions in cash (Cash on Delivery), but after the pandemic, it is safe to quote that the vast majority is opting for digital transactions. This digitalisation has led to new developments in the eCommerce marketplace. With various companies trying to woo consumers, a number of options are being offered to enhance the buying experience of consumers and make it more convenient.

One such option that is taking this industry by storm is the Buy-now-pay-later payment method. This feature allows the consumer to purchase the service or product at that instant and as the name suggests pay for it later or in installments. Further delving into the topic, a few companies take an interest in the cost of the product while others take the principle as credit. The credit from Buy-now-pay-later service is essentially the same as a credit in a credit card, but with a digitalised disguise.

Various Indian companies have jumped on the BNPL wagon, with an attempt to have an edge over their competitors.


Flipkart, an eCommerce heavyweight has also featured the buy-now-pay-later scheme. Although, the working of this service is still in the beta stage, and is only available to certain android users. The working of it allows customers to purchase products up to a predefined credit limit without having to pay immediately. However, the outstanding amount needs to be paid by the 10th of the next month.

“Everybody loves shopping, and everybody loves shopping on Flipkart. But, scrambling for cash for COD purchase or getting out your debit or credit cards for online payments and typing in OTPs every time you make a purchase can be a hassle. If only there was a simpler way to make all this easier. Well, now, there is.”



  • Instant credit up to ₹5,000
  • 30-second application process
  • One-click checkout
  • Zero cost up to 35 days
  • Single bill for all purchases

With the festive season fast approaching, the BNPL option may just be the feature that lets people let loose and shop to their heart’s content.


eCommerce giant, Amazon, has also launched a pay later feature to its Indian customers. Under these payment options, customers can avail credit with zero interest rates on any listed products. The customers are provided with an option to repay the amount in monthly installments up to 12 months. However, there are various requirements in order for a person to avail of Amazon’s pay later option including being 23 years old and above, providing valid identification along with their PAN card, bank account number, etc.

Key Benefits:

  • Get an instant decision on your credit limit by the lender.
  • Credit card details not required.
  • No processing or cancellation fee.
  • No pre-closure charges.
  • Seamless checkout on using Amazon Pay Later payment option.
  • Simplified tracking of expenses and repayments on the EMI specific dashboard

The Pay Later feature is also a mobile-only experience that enables a smooth buying experience on the app.


LazyUPI, a product offered by PayU Finance, is also following the Buy-now-pay-later model but has integrated it with a UPI. This unique digital service works on the same lines and offers credit across online and offline platforms. It allows customers to make part-repayments and has a minimum amount due along with conventional interest rates. These services have provided opportunities for start-ups to model around the buy-now-pay-later option and have given a fresh sense of innovation to mobile wallet services and eCommerce platforms. Various eCommerce platforms including  Big Basket, Myntra, MakeMyTrip, etc, have integrated this service into their sites.

Key Benefits:

  • One tap payment
  • Settle payments every 15 days
  • Repay with EMI
  • Integrated across 250+ sites

The buy-now-pay-later concept in layman terms is similar to that of a credit card. However credit cards too are evolving into the BNPL model, as it fits better with millennial consumers that are looking for convenience and affordability. Credit cards offer high rates of interest and low transparency, but with few eCommerce platforms offering a zero-interest-rate and a long payback period, one can certainly understand the rave behind this service. 

While BNPL offers convenience consumers should look out and align themselves with certain habits to ensure maximum efficiency:

  • Note the limit and have only one BNPL account at a time
  • Budgeting needs to be made important to avail the BNPL option
  • Be committed to repaying the companies to avoid interests

The Buy-now-pay-later model is not a new concept and can be compared with the Indian Khata system, where customers were allowed to pay the entire bill at one-go which was typically towards the end of the month. This age-old concept was given a digital spin and the buy-now-pay-later model was created. With the disruptions and numerous opportunities that lie ahead, brands need to keep an eye out for this service and invest to integrate it with their current functioning.

5 UI/UX Lessons that every eCommerce site must learn from

5 UI/UX Lessons that every eCommerce site must learn from

Introduction is the personification of simplicity in design. The website, is a very simple yet powerful user interface that offers a hassle free shopping experience to the consumers. In today’s post, we will try to understand the most important lessons that every UI/UX designer must learn from Amazon.

Lessons to learn from Amazon

There is more to building an eCommerce website than displaying a few items and setting up a payment gateway. You must have a strong user interface, with smart UI choices that offer an extremely friendly experience to the customer.

Display of Products

Smart display of products is one of the key factors for the success of an eCommerce website. If you look at Amazon’s website, you will notice that there is no direct display of the products. This is because Amazon follows a nested user interface. All the products on are well categorised into different product categories.  Categories are simple clusters of products that have common characteristics.

Display of Products


Amazon does not limit itself from displaying products in categories. Other factors considered for display are:

  • Promotions and offers

Promotions and offers

  • Products that fall under a specific price

Products that fall under a specific price

  • Ads from preferred partners and premium vendors

Ads from preferred partners and premium vendors

This style of product display gives a wide choice for the user. The user is bound to notice other products even before he tries to search for his choice of product.

Search Mechanism

Amazon has a robust search mechanism that lets you find the product of your choice with ease. Once you type in the search box, the website displays search suggestions that you might be interested in.

Search Mechanism


Amazon uses the best quality images to attract customers. As a best practice, it is advisable to use high resolution, big and catchy images to attract customers. For example, take a look at the size of these images used to promote diamond nose pins:

Images - Nosepin- Amazon


Reviews and ratings on products will helps in building trust and confidence in customers. Amazon displays average customer ratings and product reviews along with the product descriptions, this helps the consumers to make a well informed choice before purchasing a particular product.


Customer Feedback

Easy Payment options

Customers look for an easy and hassle free payment experience. Amazon displays purchase options at different stages. For example, we have an Add to Cart and Buy Now options along with every product. Once a customer adds a product to the cart, he also has an option to immediately purchase it or browse for more products. This feature improves the overall purchase experience of the customer.

Easy Payment options

Payment options after you add a product to your shopping cart.

Payment options after you add a product


Amazon offers some of the best designs to budding UI developers. It is one of the most complex websites on the web, but the simple and strategic design choices makes it a classic example for simplicity in design.

We hope this post will helps you to design a powerful and user friendly eCommerce website.