Razorpay FAQs

Razorpay is a payment gateway service. We accept and validate Internet payments via Credit Card, Debit Card, Net banking modes and other modern modes from the end customers in real-time. We provide a secure link between your website, various issuing institutions, acquiring banks and other payment gateway providers.

Yes, you can share your RazorpayX account number and IFSC with your business contacts. They will be able to add your RazorpayX account number to their bank portals to transfer funds to the account.

Yes, you can classify a contact as per your business needs. Though, we provide you with a standard list of classifications, you can specify your own type as well, while creating a contact. Following is the standard list of classifications to choose from: Vendor, Customer, Employee and Self.

Upon a successful transaction, you will receive a confirmation email from Razorpay. We are a payment gateway and only facilitate the merchant with online payments. For status of the order, we suggest that you contact the merchant. Keywords: payment, payment status, status of payment, order, order status, status of payment, transaction, transaction status, status of transaction, confirmation mail, Razorpay confirmation

By default a new contact created is in active status. However, for business needs, you can mark a contact as Inactive. If marked Inactive, payouts cannot be created against that contact. If you want to resume payouts to a contact, then mark them as Active again.

You bet! You can make use of our eCOD application. You may refer to our eCOD documentation here. Also, the latest version of Android SDK needed for eCOD is available here.

Please drop us a request by raising a request: https://razorpay.com/contact/ with the new email ID to be change to. Kindly ensure the new email ID is not already registered with Razorpay.

In the current version of RazorpayX, you cannot schedule payouts.

Ideally, you should receive a refund for the same within 10-12 working days. In case you have not received the refund for the same kindly send us a request here with the transaction details. We’ll surely resolve this for you!

Yes, you can apply for early settlement on international payments at an additional charge. Please reach out to our support team to create a request here.

Saving card details on Razorpay is at the discretion of the customer attempting the transaction and is optional. We are PCI DSS complaint, rest assured your details are safe . That said, If you wish to remove your card details, you can click on the link "MANAGE YOUR CARDS" received in the Email "Card successfully saved with Razorpay" [OR] click here to edit/delete your saved card/s Keywords : Saved cards, card details saved, save my card

No, that would not be possible. You will need to be PCI compliant in order to do that.

You can open a dispute by clicking on Contact Us link at Razorpay website within 30 days of payment if: You don’t receive the item You receive an item but it’s significantly different than the description on the seller’s website By opening a dispute, Razorpay will work with seller & buyer to mitigate & resolve a disputed transaction. To open a dispute: Click on the link here Select the category “dispute a payment”, then click Continue. Enter ‘payment id & description of your request, click Next and follow the on-screen instructions. Note: Generally buyers must wait at least 7 days from the date of payment to escalate a dispute for an item not received Where an item has not been received, please ensure you have given the seller enough time before opening a dispute Provide the details about the issue to help us decide on the best solution to resolve it

Instant settlement is available only to our selected merchants. The eligibility depends on multiple factors such as your vintage with Razorpay, your risk profile (based on refunds, chargebacks etc.) as calculated by Razorpay etc.

We are a payment gateway and only facilitate the merchant with online payments. We request you to contact the merchant with the transaction details for a refund. Keywords: duplicate transactions, duplicate order, refund of duplicate transaction

Once the merchant initiates the refund , a confirmation email is sent to your email ID( the email ID that was used at the time of transaction). This means that the refund is successful from our end. You may check the status of the refund on our refund tracker. For details on the refund process, please refer to our refund document.

Razorpay Dashboard is organized into separate sections, making the Dashboard a useful tool to run your business. You can use the Dashboard to perform certain actions, such as refunding or capturing a payment, without having the need to use the API.

Please find the sample templates for website policies here: Privacy Policy Refund Policy Terms and Conditions

Notifications primarily via Webhooks is available for all critical events on RazorpayX platform, such as credit and debits to your business account. Also, payouts processed and reversed statuses are also shared via webhook. For details, refer to RazorpayX webhooks section in the product documentation.

You can now request for a change in bank account details from the Dashboard itself. Login to Dashboard. Go to `Profile` [left panel]. Click on `Request change` under bank account section. Fill in the new bank account detail, upload the bank statement/cancelled cheque and click on Save. Note: For security reasons, only the Owner/Admin of the account will be able to access this option from the Dashboard. Once the request is placed, the beneficiary details will be validated and updated within 1 working day. You may refer to this animation to request for bank change.

Yes, we do support acceptance of international payments through cards issued by overseas banks. You can collect International payments via all our products excluding Route (split payments) and Smart Collect (fund transfers vis NEFT/RTGS). Any Razorpay registered user, which is an Indian business, should be able to accept payments from debit or credit cards which are issued by overseas banks. This functionality will also allow these businesses to accept payments via cards which are issued in India but are international cards.

You may refer to this short animation to find the tab and create payment links from your Dashboard. You can refer to the Payment Links document over here.

Razorpay is a payments solution which allows businesses to accept, process and disburse payments with its product suite. It gives you access to all payment modes including credit card, debit card, netbanking, UPI and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money and PayZapp. Manage Your marketplace, automate NEFT/RTGS/IMPS bank transfers, collect recurring payments, share invoices with customers - all from a single platform. keywords : Payment gateway , payments solutions

There is no separate reports section on RazorpayX platform. Instead, there are downloadable reports available in every section in the dashboard. Currently only csv based reports are available. Support for other formats such as excel and pdf will be provided later. Following is the list of reports: Account Statement: Available on the Dashboard Home page Contacts: Available in Contacts Page Payouts: Available in Payouts Page

Our integration documentation is available at here. Once you are done with the integration, you will have to generate the API keys and implement the same in your code.

It depends on the mode of the Payouts. IMPS and UPI payouts are near instant. However other modes work only during bank working hours

Each settlement has a Unique Transaction Reference (UTR) number, which is provided by our banking partners. You can see this number in the settlement section when you click on a particular settlement ID and when you download Settlement Reports from the Reports section. This is a unique reference number available across banks, which can be used to track a specific settlement in your bank account.

Mark the contact as ‘Active’ to resume payouts to the contact.

We recommend you use Orders API. Here's how it helps: It prevents multiple payments against a single order. For example, if the customer attempts another payment against the same order and it were to succeed, the failed payment- which would have moved to the authorized state otherwise- will get auto- refunded. It will save you time as you won’t need to make a capture request to capture a payment. Payments that move from `Created` to `Authorized` state will be captured immediately. Late authorized payments won't be auto-captured. Instead, you can choose to either leave it in authorized state or capture the same if a second payment against the order hasn't been made. It allows you to retrieve an order using your order/receipt ID or the Razorpay Order ID. You can take a look at the documentation for Orders API here.

No, there is no minimum balance requirement.

Sure, you can request for a callback here and our business development team will be in touch to discuss the same.

Yes, you can invite any new or any user from your existing team on Razorpay. If the invited individual is already on your Razorpay team, he/she can login to RazorpayX platform with their current login credentials. However, if the invited individual is new, then he/she will have to setup login credentials for RazorpayX

Currently, RazorpayX is on Early Access program. If you want to get early access to RazorpayX, please sign up for Early Access here and we will get in touch with you. Additionally, we would be opening up RazorpayX to our selected few existing merchants. If selected, you will be notified of the access via Announcements section on the existing Razorpay dashboard.

Activation of an account is subject to approval from our banking partners (Working days do not include Saturdays, Sundays and bank holidays) Our team will update you on the status of your account, once we get a revert from our bank.

We have sample applications for many languages, and you can find the same under the `Sample application section` on our integrations page.

Yes, we do. EMI can be applied for after the activation of your account, which is subject to the approval of our banking partners. EMI is applicable for transactions of INR 3000 and more. You can check out a demo here.

Please submit a request by filling out the form: https://razorpay.com/contact/ with use case as to why you would like to close your Razorpay account.

We would love to address your queries and concerns . Please follow the guidelines below to raise a request with us: Customer - Select I am a customer and the select the nature of your request(refund delay, failed payment etc) here and our team will get back to you with an update at the earliest. Merchant with Razorpay - You may raise a request or chat with us from the support section of your Razorpay dashboard. Keywords : Call Support, Contact Number, Can you call me , toll free, tollfreee, Phone number, call me

Please do not share your complete card number, CVV number, OTP, PIN, UPI PIN or Netbanking password with anyone. Razorpay will never request for these details. Support staff at times requires the first six and last four digits of a customer’s card number to locate a payment ID being disputed, but not the complete card number.

A contact is an entity to whom payouts can be made through supported modes such as UPI/IMPS/NEFT/RTGS.

Sure! You can offer subscription plans to your customers with automated recurring transactions on various payment modes. You can read our document here. You can fill in the product activation form by clicking on the subscriptions tab available on your Dashboard and our team will reach out to you at the earliest.

Sure! You can try out a demo here.

If the funds have been debited from your account and you have not got a ticket confirmation from IRCTC, it is considered as an unsuccessful payment and you will receive the credit in your account within 7-10 working days from the date of transaction. To understand the timelines for the refund, please refer to our document here If you do not receive a credit in your account even after 10 working days, kindly create a ticket from the form to the left and provide us with the following details: IRCTC transaction ID A copy of bank statement from the date of debit till date. UPI Reference number (if the transaction is via UPI)

It typically takes upto 3 working days for businesses to realize their payments. This affects their working capital in multiple ways. From meeting expenses to preparing for demand spikes, delayed settlements can cause a lot of operational gaps. Razorpay Instant Settlement helps reduce this settlement period to within a few working hours (from the time of transaction), thus enabling businesses to avoid cash-flow challenges and prepare better for working capital requirements. The end result? A ready inflow of cash that will help you amplify your business, and meet day-to-day cash requirements without any hassles.

We have a ‘Bug Bounty’ program for reporting security vulnerabilities. Please fill in the form available on the left and we will get back to you at the earliest.

Chargeback is the return of funds to a consumer, initiated by the issuing bank of the payment mode used by a consumer to settle a debt. Specifically, it is the reversal of a prior outbound transfer of funds from a consumer's bank account. Chargeback is a dispute against a particular transaction raised by the cardholder (end-user), and reported to their card issuing bank. A chargeback is a provision by banks and card networks such as Visa & MasterCard to protect buyers from unauthorized or fraudulent payments. Once the cardholder files a complaint, the bank reports the same to Razorpay and initiates an investigative procedure. You can refer to our documentation on Chargebacks for a better insight on why and how to avoid chargebacks.

Settlement is the payout you receive for the money paid by your end users for a particular product/service. There are a number of entities involved in the settlement process. The complete process takes a time of T+3* business days; T being the date of capture of payment. * Settlement cycle is subject to bank approval and can vary based on your business vertical, risk factor etc. Each settlement generated has a unique settlement ID attached to it along with the amount settled.

A payment is said to be in the failed state when we do not receive a successful callback message on the transaction from the issuing bank. If the customer’s account is debited and we do not receive a successful callback, the amount will be auto-refunded by the customer’s issuing bank in 7-10 working days. In case of a failed payment, we verify the status with the bank at regular intervals. If there is a change in status, the payment moves to authorized and a notification is sent to you and the customer. You may choose to do one of the following Provide services You may capture the payment and provide the service/good that was promised earlier to the customer.Refund the transaction: Since you would not be in a position to provide service to the customer at the agreed terms (could be the time of delivery, cost of purchase, inventory issues, etc), you may have to refund the payment to the customer. Refund the transaction Since you would not be in a position to provide service to the customer at the agreed terms (could be the time of delivery, cost of purchase, inventory issues, etc), you may have to refund the payment to the customer.

RazorpayX provides for various fields such as Name, Email ID, Mobile etc. while creating a contact. For details see contact creation document.

You can view UTR against a processed payout on the RazorpayX dashboard Payouts section. You will also receive UTR via webhook when the payout is successfully processed by the bank.