A cross-brand COD reliability network. Know a customer's delivery history before you ship.
Every COD order is a bet. COD Intelligence turns that bet into a read: a reliability score on this customer — computed in our backend from delivery outcomes across the network — that tells you whether they take delivery and pay, before you spend on shipping a parcel that comes back. You see the signal, never another brand's orders.
Margifi is the profit intelligence layer for Indian D2C — your real delivered ROAS and net margin after every RTO, plus what to do to improve it. It turns Meta, Shopify and delivery data into profit decisions — SKU by SKU, campaign by campaign.
Checkout tools predict who'll order. Only delivery history predicts who'll pay.
Checkout and intent tools score the click — they're good at guessing who will hit "Place Order." But in COD India, the order isn't the cash. The cash is the delivered, paid parcel. A customer can place ten orders and refuse all ten at the door — and your shipping, packing and reverse-logistics bill lands anyway.
The only signal that predicts delivery is delivery: did this customer take and pay for parcels before? COD Intelligence is built on that signal — real delivery outcomes aggregated across the network into one reliability score, not a checkout guess on a single store.
Predicts who clicks Buy
Good at scoring the click. But it goes blind the moment the parcel ships — and it only sees one store's behaviour.
Predicts who takes delivery and pays
Built on real RTO and delivery outcomes — and on a reliability signal computed across the whole network, not just your store. You see the score; you never see another brand's data.
One privacy-safe layer that learns from every delivered order on the platform.
COD Intelligence lives in a shared layer called contact_network. When an order is placed on any brand running Margifi, the customer's phone is hashed — and that hashed key carries a small, behavioural record, never their identity.
A hashed key, not a number
Every contact is keyed on a HMAC-SHA-256 hash of the phone, encrypted at rest and gated by consent. Margifi never stores the raw phone number — this is a rule, not a setting.
A behavioural record, not a profile
Against that key: delivery_rate (how often parcels are taken and paid), risk_flag (Low / Watch / High) and brands_ordered[]. No names, no profiles built for Margifi's own use.
It accrues from day 1
The network compounds the longer the platform runs and the more brands join. Start now and your history starts today — you can't backfill the months you waited.
A network that never holds a raw phone number.
A cross-brand network only earns trust if it's built privacy-first. COD Intelligence is engineered to the Digital Personal Data Protection Act, 2023 from the data layer up:
- Hashed. Phone numbers are reduced to a one-way HMAC-SHA-256 hash. The hash is the key — the number itself is never the key, and never stored in the clear.
- Encrypted at rest. Stored fields are encrypted at rest, on top of TLS 1.2+ in transit.
- Consent-gated. Records carry a consent flag; the layer is governed by it.
- Processor, not owner. Margifi acts as a Data Processor on the brand's instruction — the brand is the Data Fiduciary. The terms are set out in our Data Processing Agreement.
We do not build consumer profiles for Margifi's own commercial purposes, and we never sell, rent or trade this data, or use it for ad targeting.
HMAC-SHA-256 hashed
The hash is the key, not the number.
Encrypted at rest
Plus TLS 1.2+ in transit.
Consent-gated
Governed by a consent flag.
DPDP · Data Processor
Under the DPA, the brand stays the Fiduciary.
The score isn't a number you stare at. It's a decision the platform makes for you.
COD Intelligence feeds the rest of the platform. The reliability score shows up where the money decisions happen — so you ship fewer parcels that come back and spend fewer rupees chasing customers who won't pay.
High-risk flagging in Insights
Orders from low-reliability contacts surface before you ship — so you can confirm, switch to prepaid, or hold.
Risk-based targeting in Engage
Build and suppress WhatsApp audiences by reliability: stop pushing COD to repeat refusers, route the risky ones to prepaid or confirmation flows.
Contact context everywhere
Per-contact history on a hashed key, so a support agent or a flow knows the track record — without ever seeing a raw number.
What COD Intelligence does today — and the one big thing it's building toward.
OTP-verified capture
Verify a number at the point of order so the network learns from confirmed, real contacts.
Contact 360
A per-hash view of delivery rate, risk flag, and the brands a contact has ordered from across the network.
Risk-based audiences
Reliability is a first-class filter for targeting and suppression across Insights and Engage.
COD risk scoring at checkout
The network's biggest application is COD risk at checkout — scoring an order before it's placed, blocking high-risk phones, prefilling addresses from the network, and setting pincode-level COD rules. This is on the roadmap, with one honest precondition: it ships once the network holds delivery history from 50+ brands. We're building that history now — every brand that joins brings it closer.
The network you join today is the advantage you have next quarter.
COD Intelligence accrues from your first order — the longer you're on the platform, the sharper your COD reliability reads get. It's included with Core (₹3,999) and Full (₹7,999), with no extra charge for the network. Reporting (₹999) covers the daily brief and alerts; the network advantage lives in Core and up.
Quarterly or annual billing — no monthly. INR, GST inclusive on invoice.