Razor Dvara

v0.1.0 · updated 2026-08-22 · gated agentic checkout for COD commerce

"I am trying to setup payment methods where I want to charge extra amount for COD Orders." — merchant on Shopify Community, Jan 1 2025 (thread, zero replies)

COD is still ~half of Indian e-commerce orders. It also drives most of the returns: Tier-2/3 markets see 58–64% COD but 76–83% of RTO volume (bepragma.ai, Jun 2026). Every failed delivery costs ₹180–240 in logistics alone.

Razor Dvara lets merchants set COD rules once. AI buyers get structured answers. The audit trail proves what happened.

What this does

Every response includes reason_code and rule_id. Every decision appends to an audit trail. If the backend dies, the edge cache serves stale data with a degraded flag and completes the order prepaid-only.

Related MCP server: Mercora

Architecture

AI buyer / checkout agent
         |
         | MCP (streamable HTTP)
         v
+-------------------------------------------+
| Razor Dvara MCP Server                    |
| 5 tools · zero overlap w/ official 45    |
+-------------------+-----------------------+
                    |
                    v
+-------------------------------------------+
| Policy Engine (src/gates/)                |
| merchant caps · PIN rules → reason + ID  |
+-------------------+-----------------------+
                    |
                    v
+-------------------------------------------+
| Audit Trail (Cloudflare D1)              |
| sequence numbers · UTC · append-only    |
+-------------------+-----------------------+
                    |
                    v
+-------------------------------------------+
| SWR Edge Cache                           |
| 8s origin timeout → stale fallback       |
| degraded flag → fail-closed COD          |
+-------------------------------------------+

Shopify side: Payment Customization Function
  keyed on dvara.cod.eligible metafield
  hides COD when any cart line ineligible

Full architecture with protocol lineage: docs/architecture.md

Honest constraints

• Offers are dashboard-create-only. We attach existing offer IDs; we don't mint them.

• RTO/COD Intelligence is dashboard-only with no public API. Our scorer uses calibrated weights from published industry rates — it's not ML.

• Serviceability is an inbound contract we implement ourselves. Magic Checkout's documented 10-second hard kill is the SLA we guarantee.

• Test mode only (rzp_test_ keys). No real money moves.

NOT building

• Chat UI — this is infrastructure between agents and money actions, not a conversational product.

• Real ML for RTO scoring — calibrated weights without delivery-outcome data would produce misleading precision.

• Offer creation via API — Razorpay doesn't expose it; pretending otherwise would be dishonest.

• Production deployment — buildathon prototype on test keys.

Evidence

Every claim maps to a checkable artifact: docs/EVIDENCE.md

Tests

pnpm install
pnpm test

36 tests across 7 files covering rule evaluation, risk scoring, serviceability, cache degradation, Shopify function behavior, and end-to-end pipeline determinism.