Pragma builds checkout infrastructure for direct-to-consumer brands in Mumbai. I joined as the company was rolling out 1Checkout, a single-page checkout flow designed to cut drop-off between cart and payment. Most of my work lived in that flow and the payment plumbing behind it.
011Checkout & payment gateway integrations
core workOwned the rollout and feature work on 1Checkout - the customer-facing flow that converted carts into orders. Integrated four payment gateways back-to-back: PhonePe, Razorpay, Cashfree, and Snapmint (the BNPL one). Each came with its own auth story, webhook quirks, and refund flow - the interesting work was the glue layer that made the rest of the codebase not care which gateway was in front of it.
Net result was a measurable lift: over 20% improvement in conversion after the 1Checkout work landed.
02Feature breadth on the checkout flow
recurringThe kind of work that doesn't go on a slide but moves the needle for D2C merchants: partial COD (let buyers prepay a deposit and pay the rest on delivery - Mumbain COD fraud is a real cost), shipping configuration, and blacklisting by email, phone, and city. Each was scoped from a real merchant ask, built fast, then iterated on as the edge cases showed up.
Spent a meaningful chunk of every week on calls with merchants gathering feedback. That's where most of these features actually came from.
03Production firefighting
on callCheckout systems fail in expensive ways - a five-minute payment-gateway wobble is a real money number. Handled several critical production incidents end-to-end: triage, mitigate, post-mortem, ship the prevention. Built up the muscle for multitasking under pressure without losing the through-line on root cause.
Also pushed on the boring-but-compounding stuff: code review discipline across the team, PEP8 adherence, refactors that took latency and maintainability out of the "we'll get to it" backlog.
What I took with me
- Money-path discipline. Once you've written code that takes payments, you stop trusting happy paths.
- Webhook hygiene. Idempotency keys, replay protection, and "is this gateway just retrying me?" became reflexive.
- Merchant calls aren't a tax. The features that mattered most all started in a call where someone described a specific frustration with specific numbers.