Pragma’s 1Checkout is a high-performance checkout engine built for Indian D2C commerce, designed to maximise conversion and payment reliability. It uses real-time address intelligence, pin-code serviceability checks, and COD-risk scoring to validate orders before submission. The system optimises payment success through adaptive routing, selecting the best gateway based on method, issuer, and live success patterns. The checkout layer supports instant retries without page reloads, dynamic OTP handling for UPI/cards, and automatic fallbacks for failed transactions. It logs granular funnel events — load time, field completion, payment attempts — giving brands complete visibility into drop-off points. APIs integrate directly with storefronts, payment gateways, and OMS systems to deliver consistent performance, lower friction, and higher order completion rates.