> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rabbitpay.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# COD Management

> Reduce RTO with OTP verification, risk scoring, and COD rules.

Cash on Delivery remains the dominant payment method in India — but it also drives **RTO (Return to Origin)** rates as high as 30–40%. RabbitPay's COD Management suite gives you the tools to keep COD available without eating margin.

## What's included

<CardGroup cols={2}>
  <Card title="OTP verification" icon="shield-check">
    Every COD order requires a mobile OTP before creation, filtering junk orders.
  </Card>

  <Card title="Risk scoring" icon="gauge-high">
    Shoppers are scored 0–100 based on history, device, and pincode. Block or downgrade high-risk sessions automatically.
  </Card>

  <Card title="COD rules engine" icon="sliders">
    Disable COD by cart value, SKU, pincode, or shopper cohort.
  </Card>

  <Card title="Reconciliation" icon="scale-balanced">
    Match courier remittances to orders and flag shortfalls automatically.
  </Card>
</CardGroup>

## Create a COD rule

```bash theme={null}
curl https://api.rabbitpay.ai/v1/cod/rules \
  -H "Authorization: Bearer sk_live_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Block risky pincodes",
    "action": "disable_cod",
    "conditions": {
      "pincodes": ["110001", "400001"],
      "risk_score_gte": 70
    }
  }'
```

## Risk scoring API

Call the risk API server-side before rendering payment options if you want custom UI treatment.

```javascript theme={null}
const risk = await rabbitpay.cod.risk.evaluate({
  phone: '+919876543210',
  pincode: '560001',
  cart_value: 349900,
});

// {
//   score: 22,
//   band: 'low',
//   recommendation: 'allow_cod',
//   reasons: ['returning_shopper', 'verified_pincode']
// }
```

| Band     | Score  | Recommendation         |
| -------- | ------ | ---------------------- |
| `low`    | 0–39   | Allow COD              |
| `medium` | 40–69  | Prefer partial payment |
| `high`   | 70–100 | Disable COD            |

## Reconciliation report

Download monthly reconciliation reports from the dashboard or via API.

```bash theme={null}
curl https://api.rabbitpay.ai/v1/cod/reconciliation?month=2026-06 \
  -H "Authorization: Bearer sk_live_your_key"
```

The report matches each COD order to a courier remittance and flags:

* **Short remit** — courier remitted less than the COD amount
* **Missing remit** — COD amount never remitted
* **Duplicate remit** — same order remitted twice

<Tip>
  Enable the **Auto-dispute** setting in the dashboard to file shortfalls with your logistics provider automatically.
</Tip>