2026-08-04

Payments

New Feature

Bank-Brand Offer Attribution: Set Discount Ownership Per Payment Gateway

Every bank–brand offer applied at checkout flows into the invoice, the GST computed on the order, the GSTR-1 return, and the IRN payload - and every one of those records depends on whether the bank or the brand bore the discount. Until now, when a payment gateway did not return an explicit attribution, the discount was classified as bank-borne on the invoice by default, with no way for merchants to change it per PG or extension.

Fynd Commerce now lets merchants set a Default Offer Classification per payment gateway or payment extension, on every sales channel - Bank or Brand - so the fallback reflects the actual funder of the discount. This flows into the invoice, the GST calculation, and every downstream record.

With Bank-Brand Offer Attribution, merchants can:

• Set the default per PG or extension: Choose Bank or Brand as the fallback for each payment gateway or extension on a sales channel. When nothing is set, the fallback is Brand.

• Get GST on the right base: Brand-classified discounts show as a brand discount, and GST applies to the net amount paid value. Bank-classified discounts show as a bank discount, and GST applies to the full order value.

• Keep gateways independent: Every PG or extension holds its own default, so different funder arrangements stay accurate on the same store.

Discount attribution moves from a single platform-wide default to a merchant-owned setting per gateway - so the invoice, the GST paid, and the return filed all match how the discount was actually funded. Currently applicable to Indian merchants.

Learn More