{"id":23201,"date":"2025-06-25T10:52:35","date_gmt":"2025-06-25T05:22:35","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=23201"},"modified":"2025-06-25T12:11:40","modified_gmt":"2025-06-25T06:41:40","slug":"how-razorpay-helped-1-club-handle-high-spike-payments-with-seamless-upi-first-transactions","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/how-razorpay-helped-1-club-handle-high-spike-payments-with-seamless-upi-first-transactions\/","title":{"rendered":"How Razorpay Helped 1% Club Handle High-Spike Payments with Seamless UPI-First Transactions"},"content":{"rendered":"

About 1% Club: Empowering India\u2019s Financial Freedom Movement<\/b><\/h3>\n

1% Club is India\u2019s fastest-growing finance education platform. Originally launched as a community-led edtech initiative under the Finance With Sharan brand, it has since evolved into a <\/span>full-stack financial services provider<\/b>, spanning education, SEBI-registered investment advisory, insurance advisory, credit card advisory, financial products, and more.
\n\"\"<\/span>With over <\/span>5 Lac students trained and 1 Lac+ members<\/b>, the company runs high-engagement, high-volume digital programs\u2014and relies on fast, trusted payment infrastructure to deliver frictionless conversion at scale.<\/span><\/p>\n

\"\"<\/p>\n

The Challenge: Managing Conversions During 5-Minute Payment Surges<\/b><\/h3>\n

For 1% Club, payments aren\u2019t just a back-end function\u2014they\u2019re mission-critical. Their entire revenue model hinges on <\/span>real-time conversion during masterclasses<\/b>, where 80\u201390% of purchases happen within a <\/span>5-minute window<\/b> after a product pitch.<\/span><\/p>\n

Key challenges included:<\/span><\/p>\n

High-Spike Transaction Windows<\/b><\/h4>\n

During a masterclass, hundreds of users rush to pay in short bursts\u2014often within a 5-minute window. Without a payment system built to handle such peaks, even a slight lag can lead to failed checkouts, abandoned signups, and lost revenue opportunities.<\/span><\/p>\n

The Trust Factor in Finance<\/b><\/h4>\n

When you’re guiding users on how to grow and protect their money, trust becomes non-negotiable. A secure, reliable, and familiar payment experience is key\u2014not just for smooth checkouts, but for reinforcing credibility in a sensitive, finance-first space.<\/span><\/p>\n

Terminal Access & Bank Integrations<\/b><\/h4>\n

A large chunk of users preferred HDFC Bank for payments. But enabling HDFC card terminals is often slow and complex. Hence, getting access to these terminals was a challenge.<\/span><\/p>\n

The Solution: Trust, Speed, and Scale with Razorpay<\/b><\/h3>\n

From their early days on partner platforms to owning their full tech stack, 1% Club has relied exclusively on Razorpay. As their payments scaled, so did their Razorpay setup.<\/span><\/p>\n

Real-Time High-Volume Handling (Razorpay PG)<\/b><\/h3>\n

Razorpay\u2019s gateway consistently delivered even during <\/span>payment spikes<\/b> post-masterclasses. With 200\u2013300 transactions hitting within minutes, the platform\u2019s uptime and fail-safe UPI routing helped One Percent Club maintain seamless user experiences.<\/span><\/p>\n

UPI-First Conversions at Scale<\/b><\/h3>\n

UPI accounts for the <\/span>majority of all transactions<\/b>. Razorpay\u2019s instant validation tools and VPA accuracy features ensured faster processing, fewer retries, and higher trust among users during decision-critical moments.<\/span><\/p>\n

Enabling Key Acquirers Like HDFC<\/b><\/h3>\n

Razorpay enabled 1% Club to activate <\/span>HDFC Netbanking and Credit Card EMI<\/b>, addressing demand from a large chunk of their customer base. While HDFC\u2019s onboarding process is known to be strict, Razorpay helped expedite setup and navigate compliance.<\/span> \"\"<\/p>\n

What\u2019s Next: From Edtech to Full-Stack Fintech<\/b><\/h3>\n

With verticals now spanning <\/span>investments (SEBI RIA), insurance advisory, and credit card advisory<\/b>, 1% Club is building a 360\u00b0 financial services platform. Razorpay will remain central to this transition\u2014powering secure, real-time payments as the brand expands deeper into advisory-led offerings and recurring revenue models.<\/span><\/p>\n

Interested in Razorpay\u2019s offerings? Chat with a product expert now. <\/b><\/p>\n

\n

Get in touch with us<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

About 1% Club: Empowering India\u2019s Financial Freedom Movement 1% Club is India\u2019s fastest-growing finance education platform. Originally launched as a community-led edtech initiative under the Finance With Sharan brand, it has since evolved into a full-stack financial services provider, spanning education, SEBI-registered investment advisory, insurance advisory, credit card advisory, financial products, and more. With over<\/p>\n","protected":false},"author":165,"featured_media":23202,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[498],"tags":[1072,674,93],"class_list":{"0":"post-23201","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-upi","8":"tag-finance-community","9":"tag-razorpay-upi","10":"tag-upi"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/165"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=23201"}],"version-history":[{"count":4,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23201\/revisions"}],"predecessor-version":[{"id":23246,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23201\/revisions\/23246"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/23202"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=23201"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=23201"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=23201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}