MSG91 WooCommerce Checkout Plugin: Faster Login, COD Verification, Cart Recovery and Split Payments

8 Oct 2026 · @Shubhendra

In short: The MSG91 WooCommerce Checkout plugin is a plug-and-play checkout layer for WordPress and WooCommerce stores. It gives customers faster OTP login, one-tap repeat checkout and split payments. It protects sellers with COD verification calls, COD-to-prepaid discount messages and abandoned cart recovery offers. It works with your existing payment gateway and goes live in about 10 minutes, without a developer.

A man once walked into a sweet shop on a busy holiday evening. He chose his favourite sweets, filled his basket, and then saw a very long queue at the counter. He looked at his watch, put the basket back on the shelf and quietly walked out.

The sweets were fresh. The shopkeeper was kind. The only problem was the last step, which was slow and tiring.

Many online stores lose customers in exactly the same way, in every country of the world. The customer wanted to buy, but the final step made it difficult, and the sale slipped away without anyone noticing.

In the first part of this series, we saw how the MSG91 suite looks after your campaigns, chat and customer support. In this second part, we come to the most important moment in your business: the checkout. MSG91 has built a WooCommerce Checkout plugin, like the one it already offers for Shopify stores. Below, we explain each feature in simple words, show how to set it up in about 10 minutes, and walk through real use cases for ten industries.

• WooCommerce and WordPress store owners who sell physical or digital products

• D2C brands that receive a large share of cash on delivery (COD) orders

• Stores losing sales to abandoned carts, failed OTPs or long checkout forms

• Agencies and developers who build WooCommerce stores for clients

The MSG91 WooCommerce Checkout plugin is a WordPress plugin that replaces slow, form-heavy checkout steps with a faster, verified and automated flow. It is built by MSG91, a customer communication platform for SMS, WhatsApp, RCS, voice, email and OTP. It is designed for every industry that sells through WooCommerce, from fashion and electronics to grocery, pharmacy and handmade goods.

The plugin solves three problems at once:

1. Speed: customers log in and pay faster, so fewer people leave at the last step.

2. Trust: COD orders are verified before dispatch, so fewer parcels are refused at the door.

3. Recovery: customers who leave are reminded and given a reason to come back.

Every rupee, dollar or dirham you spend on ads, social posts, photos and product descriptions leads to one moment: the cart is ready and the customer is about to pay. If something goes wrong there, all the earlier effort is wasted.

The most common reasons customers leave at checkout are:

• The login code never arrives, so they wait, get frustrated and close the tab.

• They have to create an account or remember a password.

• They must type the same name, address and pin code again.

• They feel nervous about paying online for a first order from a new store.

• The total feels too big to pay in one go.

• They get distracted by a call or a meeting and simply forget.

On the seller's side, COD brings its own loss. A customer places a COD order on impulse, then refuses the parcel at the door. You pay shipping both ways, your team's packing time is wasted, and stock is stuck in transit. This is called RTO (return to origin), and it quietly eats into profit.

A good checkout removes each of these worries quietly. It does not ask the customer to work hard. It simply flows, like water down a gentle slope. The MSG91 plugin was built to do exactly that.

What it is: Customers log in with their mobile number and a one-time password (OTP) instead of a username and password. The OTP can be delivered over WhatsApp, SMS, email or a voice call. If it does not arrive on one channel, the plugin automatically sends it through the next one.

How it works:

1. The customer enters their mobile number at checkout.

2. The OTP is sent on the first channel you choose, for example WhatsApp.

3. If it is not delivered or not entered in time, the plugin retries on SMS, then voice.

4. The customer enters the code and is logged in, with their details ready.

Example: Priya is shopping from a train with weak mobile data. Her WhatsApp OTP does not load. Within seconds, the same code arrives by SMS, and she is inside the checkout without doing anything extra. Think of a good postman who tries the front door, then the back door, and finally leaves a note with the neighbour.

Benefits:

• Fewer customers lost at the login step

• No passwords to forget or reset

• Every order is tied to a real, verified phone number, which makes later campaigns far more useful

• Accounts are protected by a code only the customer can receive

What it is: Returning customers are recognised after OTP login. Their name, address and phone number are already filled, so they can place the order with a single tap.

Example: Rahul orders the same protein powder every month. Last month he typed his address on a small phone screen. This month he logs in with OTP, sees his saved address, taps once and is done in under 20 seconds.

Benefits: less typing, fewer abandoned carts, and a customer who feels remembered, like a regular at a neighbourhood shop.

What it is: When a customer places a cash on delivery order, the plugin places an automated voice call (or sends a WhatsApp confirmation) asking them to confirm the order before it is packed and shipped. The customer confirms by pressing a key or replying. Unconfirmed or cancelled orders are flagged so you do not ship them.

Example: A store receives a ₹4,500 COD order for a smartwatch at 11 pm. Next morning, the customer gets a short call: "Press 1 to confirm your order, press 2 to cancel." They press 2, because it was a mistaken order. The store saves forward and return shipping, packing time and a stuck unit of stock.

Benefits:

• Fewer fake, duplicate and impulse COD orders reach the courier

• Lower RTO and shipping losses

• Your team stops making manual confirmation calls

• Voice works even for customers who do not use WhatsApp or read SMS

What it is: After a COD order is placed, the plugin sends an automated WhatsApp or SMS that offers a small discount or cashback if the customer pays online now. The message carries a secure payment link. Once paid, the order is converted from COD to prepaid automatically.

Example message: "Hi Anjali, thanks for your order #1042. Pay online now and get ₹50 off. Your order ships faster too. Pay here: [link]"

Example: Anjali placed a COD order for a ₹1,200 kurta. A ₹50 discount is a small price for the store compared with the cost of a refused parcel. She pays online in two taps, the store receives the money upfront, and the risk of RTO drops sharply.

Benefits:

• More prepaid orders and faster cash flow

• Fewer refused deliveries, because a paying customer is a committed customer

• No pressure on the customer: COD still stays available for those who want it

What it is: Instead of full prepayment, the customer pays a small advance online, and the rest is paid on delivery.

Example: On a ₹3,000 order, the customer pays ₹199 online and ₹2,801 at the door. It is like a shopkeeper who says, "Please give a small advance and I will keep this dress aside for you." Nobody feels insulted by that request.

Benefits: serious buyers show intent, careless orders drop, and the customer still feels safe because most of the money is paid at delivery.

What it is: When a customer adds items to the cart but leaves without paying, the plugin sends a friendly automated reminder on WhatsApp, SMS or email. You can attach a time-limited offer, such as a discount code or free shipping, to bring them back. Because the customer logged in with OTP, you have a verified number to reach them on.

Example reminder sequence:

1. After 30 minutes: "Hi Sameer, you left something in your cart. It is still waiting for you: [link]"

2. After 24 hours: "Your cart is about to expire. Use code COMEBACK10 for 10% off, valid today only."

Benefits:

• Recovers sales that were almost yours

• Reaches customers on the app they open most often

• Runs automatically, day and night, with no manual follow-up

What it is: Customers can pay for a single order using two methods. For example, part by credit or debit card and the rest by UPI, wallet or cash on delivery.

Example: Meera is buying a ₹24,000 sofa. Her card limit is tight this month, so she pays ₹12,000 by card and ₹12,000 by UPI from her savings account. Without split payment, she might have abandoned the cart or waited until next month.

Benefits:

• High-value purchases feel lighter and easier

• Customers feel in control of how they pay

• Fewer carts abandoned at the payment step

You do not need to change your payment gateway. The plugin sits on top of your existing WooCommerce setup. Your products, prices, gateway settings and payment partners stay exactly where they are.

The MSG91 WooCommerce Checkout plugin is plug and play. Most store owners finish setup in about 10 minutes, in the time it takes to drink a cup of tea. You do not need a developer, and you do not need to change your payment gateway.

1. Install the plugin from your WordPress dashboard and activate it.

2. Connect your MSG91 account to your WooCommerce store.

3. Choose your OTP login channels and their failover order, for example WhatsApp, then SMS, then voice.

4. Switch on the features you want: one-tap checkout, COD confirmation call, COD-to-prepaid offer, partial COD, abandoned cart reminders and split payment.

5. Set your offers and messages, such as the prepaid discount amount and the abandoned cart coupon.

6. Place one test order to see the full flow, then go live.

MSG91 provides end-to-end onboarding. A real person from the team helps you connect your store, set up message templates, choose the right channels and check everything before you go live. The support continues after launch, whether you need a new festive campaign next month or a bigger setup next year when your orders double.

Here is how the features work together on a single order at an online shoe store.

1. Login: Karan adds running shoes worth ₹3,499 to his cart and enters his mobile number. The WhatsApp OTP fails on his old phone, so the code arrives by SMS seconds later.

2. Distraction: His phone rings and he forgets about the cart.

3. Cart recovery: Thirty minutes later, he gets a WhatsApp reminder. The next day, a second message offers 10% off for 24 hours. He comes back.

4. Checkout: His address is already filled. He chooses cash on delivery.

5. COD confirmation: Within minutes, an automated call asks him to confirm. He presses 1.

6. Prepaid offer: A WhatsApp message offers ₹50 off to pay online now. He pays by UPI, and the order becomes prepaid.

7. Next month: He buys running socks with one tap, in under 20 seconds.

The store recovered an abandoned cart, avoided an RTO risk, received payment upfront and won a repeat customer, all without one manual call or message from the team.

The plugin is built for every industry that sells on WooCommerce. Here is the main problem each one faces, and which features solve it.

Problem: Customers add three or four outfits during a festive sale, get distracted, and never return. Others place COD orders they later refuse.

Solution and example: A boutique sends a WhatsApp reminder 30 minutes after a cart is left, followed by a free-shipping offer the next day. Every COD order gets a confirmation call before dispatch. Sale days finally turn into sales, not just visits.

Problem: A buyer paying for a phone or laptop worries about fraud. Many leave at the payment step, and some COD orders come back undelivered.

Solution and example: A customer buying a ₹45,000 laptop pays ₹25,000 by credit card and ₹20,000 by UPI with split payment. A COD buyer of earphones pays a ₹199 advance through partial COD, which shows real intent.

Problem: Customers buy nearly the same basket every week but must search and type everything again.

Solution and example: A returning customer logs in with OTP and reorders the usual basket with one tap. Verified numbers mean delivery riders always reach the right person.

Problem: Beauty orders are often quick and emotional. When the parcel arrives, the mood has changed, and the customer refuses it.

Solution and example: A skincare brand's COD orders get an automated confirmation call, then a WhatsApp offer of ₹40 off to pay online. Customers who confirm and prepay rarely refuse the parcel.

Problem: A large gift order needs complete trust, and a wrong phone number can mean a failed delivery of something precious.

Solution and example: OTP login ensures every order has a working number. A ₹60,000 necklace is paid partly by card and partly by bank transfer through split payment. A confirmation call before dispatch reassures the buyer.

Problem: A sofa or dining set is a big bill, and customers abandon the cart to "think it over."

Solution and example: Split payment lets a buyer pay half by card and half by UPI. If they still leave, a reminder with a limited-time offer brings them back before they buy elsewhere.

Problem: At the start of a school year, orders pour in at once and a small team cannot follow up on every cart.

Solution and example: Parents who leave a booklist cart get an automatic reminder. Schools and tutoring centres reorder supplies with one tap.

Problem: Customers who use a product monthly forget to reorder and switch to another brand.

Solution and example: A supplement buyer gets a reminder and reorders with one tap, using saved and verified details.

Problem: A pet owner runs out of food on a Sunday evening and buys from the nearest shop instead.

Solution and example: A reorder reminder with a small offer arrives before the bag runs out, and one-tap checkout turns it into an order in seconds.

Problem: A small maker is busy creating and cannot call every COD customer. One refused parcel can wipe out the profit of several orders.

Solution and example: The COD confirmation call and prepaid offer run automatically. Partial COD protects the maker, and abandoned cart reminders recover sales with no extra effort. The maker gets time for the craft.

• Everything in one place: campaigns, WhatsApp, RCS, SMS, email, voice, chatbot and checkout work together, with one partner and one bill.

• Affordable: one suite is usually kinder on the budget than five separate subscriptions that do not talk to each other.

• Fast: plug-and-play setup in about 10 minutes, with no developer and no gateway change.

• Supportive: end-to-end onboarding, and the same team stays with you after launch.

• Global reach: MSG91 supports communication across more than 190 countries, so your messages follow your customers wherever they live.

• Proven: the same checkout approach already serves Shopify stores. It is a tested way of working, now brought to WooCommerce.

A store is like a home. The products are the rooms, the campaigns are the greetings at the door, the chatbot is the helpful person at the entrance, and the checkout is the final handshake. The MSG91 WooCommerce Checkout plugin makes that handshake quick, safe and warm, so the man in the sweet shop never has to put his basket back on the shelf. It is not a luxury for big brands. It is a foundation every WooCommerce store can lay today, in about 10 minutes.

Let the MSG91 team set up your WooCommerce checkout, from OTP login and COD verification to cart recovery and split payments, with full onboarding support. Contact MSG91

It is a plug-and-play WordPress plugin that adds a faster, safer checkout to WooCommerce stores. Features include multichannel OTP login with failover, one-tap repeat checkout, COD confirmation calls, COD-to-prepaid discount messages, partial COD, abandoned cart recovery with offers and split payment.

About 10 minutes. You install the plugin, connect your MSG91 account, choose your features and place a test order. MSG91 also provides end-to-end onboarding support.

No. The plugin is plug and play and works with the payment gateway you already use on WooCommerce.

The OTP is sent on your first chosen channel, such as WhatsApp. If it is not delivered, the plugin automatically resends it by SMS, voice or email, so the customer can still log in.

After a COD order is placed, the customer receives an automated confirmation call or WhatsApp message. They confirm or cancel with a key press or reply, and unconfirmed orders are flagged before dispatch.

It sends an automated WhatsApp or SMS offering a discount if the customer pays online. The message includes a payment link, and the order switches to prepaid once paid.

The customer pays a small advance online and the rest on delivery. It shows buyer intent and reduces careless orders.

When a customer leaves items in the cart, the plugin sends automated reminders on WhatsApp, SMS or email. You can add an offer, such as a discount code or free shipping, to encourage them to complete the purchase.

Split payment lets a customer pay for one order using two methods, for example part by credit card and the rest by UPI, wallet or cash on delivery.

Any industry that sells on WooCommerce, including fashion, electronics, grocery, beauty, jewellery, furniture, books, health and wellness, pet supplies and handmade products.

Yes. MSG91 supports communication across more than 190 countries. Please check channel availability for your markets with the MSG91 team.

Yes. You can start with the features you need and add more as your orders grow.