Easy Financing
Avoid costly short-term financing
for your working capital needs
Better Budgeting
Manage your monthly budgeting,
spending and investing perfectly
Zero Backlogs
Avoid backlog in your payment
reconciliations

How does Razorpay Capital work?

Razorpay Capital is a set of services aimed at lending a helping hand to businesses for maintaining a steady capital.
You can choose any of the following methods to acquire capital via Razorpay Capital:

Instant settlements

Get your payments settled on the same working day! Avoid cash-flow issues and prepare better for working capital needs.

Business Loans

Need some capital to grow your business? Get pre-approved loans through Razorpay, without any collateral.

What are Instant Settlements?

Delayed settlements can cause operational gaps for a business. Razorpay Instant Settlements
helps reduce settlement period to 12 hours or less (from the time of transaction). So, you have a ready
inflow of cash to amplify your business and meet cash requirements without any hassles.

Instant Settlements: Your options

Choose how you want your instant settlements, based on your business needs:

On-demand Instant Settlements

Have your money settled early on key business days.

Scheduled Early Settlements

Have all your payments settled to your bank account at specific hours during the day.

Want to know if you are eligible?

Go to Dashboard

Salary Disbursements

With just one click of the button, your payments will be credited into your account on an expedited basis.

Spikes in Demand/Sales

Running a sales promotion? All geared for the demand spike? On-Demand Instant Settlements will unlock your cashflow crunches.

Operational Expenses

Efficiently finance the growth and management of your operations, and plan and prepare for your marketing expenses more efficiently.

What are Business Loans?

Avail hassle-free, pre-approved business loans from Razorpay’s NBFC and banking partners without any collateral. The credit limits are defined based on your unique Razorpay Credit Score.

Business Loans: The Process

Razorpay’s Alternative Credit Decisioning System uses your transaction history to assign a unique credit score. Based on that, our NBFCs and banking partners provide pre-approved loans.

Re-payment to lenders happens automatically from your settlements. Pay it back, hassle-free.

Want to be one of the first people to access it?

Get in touch

Increase Inventory

Budget your monthly inventory spends & investments better.

Add new products

Fund the development & distribution of new products.

Explore New Markets

Expand to new geographic & demographic markets.

Acquire Better Talent

Hire better talent & manage salary payments easily.

Frequently Asked Questions

FAQ's

What is the difference between Automatic and On-Demand Early Settlements?
What is the difference between Automatic and On-Demand Early Settlements?

Razorpay gives you the flexibility to pick and choose how you want your early settlements, based on your business needs.

AUTOMATIC EARLY SETTLEMENT
You can get daily payouts at 9am and 5pm automatically without having to visit the dashboard each time.

ON-DEMAND EARLY SETTLEMENT
You can settle instantly by using Settle Now button from your dashboard.

What is the settlement schedule for Scheduled Early Settlements?
What is the settlement schedule for Scheduled Early Settlements?

Settlements will happen at 9am and 5pm on working days.

a. For transactions successfully completed between 9am and 4:59pm, subject to the funds being captured during any bank working day, the settlement of such transactions will be done at 5pm.

b. For transactions successfully completed between 5pm and 8.59am (next day), subject to the funds being captured during any bank working day, the settlement of such transactions will be done at 9am (next day).

As a merchant, where and how do I find if a payment was settled early?
As a merchant, where and how do I find if a payment was settled early?

There are no special flags to show if a payment was settled early or not.

Automatic early settlements are the same as normal settlements except that its settled at T+0 or T+1. So you can find the settlements in settlement report and combined report as done currently and check the settlement date.

On-Demand Early Settlements are instant settlements and appear as payouts in settlement report and combined report. For recon, they will have to do it manually as payouts cannot be mapped to any incoming payments.

How can I switch from Automatic to On-Demand Early Settlement and vice versa or opt out of Early Settlement?
How can I switch from Automatic to On-Demand Early Settlement and vice versa or opt out of Early Settlement?

Yes, you can switch from Automatic to On-Demand Early settlement and vice versa. However, while switching from Automatic to On-Demand, there will be pricing changes and normal settlement schedule changes. Automatic Early settlement schedule is T+0.

To do this or to opt out of Early Settlement, you can raise a support ticket here.

Where are early settlement additional charges deducted from?
Where are early settlement additional charges deducted from?

Additional fee is levied if you enable Early Settlements.

If you have Fee Credits, then the Early Settlement Charges will be deducted from Fee Credits, else, they will be deducted from the settlement.

For On-Demand Early Settlements, charges will be deducted directly from the settlement.

How is my eligibility calculated?
How is my eligibility calculated?

A merchant’s eligibility is dependent on their transaction history on Razorpay. Aspects like transaction volumes, number of chargebacks, refunds, and vintage period with Razorpay (should be >3 months of transaction on Razorpay). are taken into account while calculating the unique credit score.

What is the difference between Automatic and On-Demand Early Settlements?

Razorpay gives you the flexibility to pick and choose how you want your early settlements, based on your business needs.

AUTOMATIC EARLY SETTLEMENT
You can get daily payouts at 9am and 5pm automatically without having to visit the dashboard each time.

ON-DEMAND EARLY SETTLEMENT
You can settle instantly by using Settle Now button from your dashboard.

What is the settlement schedule for Scheduled Early Settlements?

Settlements will happen at 9am and 5pm on working days.

a. For transactions successfully completed between 9am and 4:59pm, subject to the funds being captured during any bank working day, the settlement of such transactions will be done at 5pm.

b. For transactions successfully completed between 5pm and 8.59am (next day), subject to the funds being captured during any bank working day, the settlement of such transactions will be done at 9am (next day).

As a merchant, where and how do I find if a payment was settled early?

There are no special flags to show if a payment was settled early or not.

Automatic early settlements are the same as normal settlements except that its settled at T+0 or T+1. So you can find the settlements in settlement report and combined report as done currently and check the settlement date.

On-Demand Early Settlements are instant settlements and appear as payouts in settlement report and combined report. For recon, they will have to do it manually as payouts cannot be mapped to any incoming payments.

How can I switch from Automatic to On-Demand Early Settlement and vice versa or opt out of Early Settlement?

Yes, you can switch from Automatic to On-Demand Early settlement and vice versa. However, while switching from Automatic to On-Demand, there will be pricing changes and normal settlement schedule changes. Automatic Early settlement schedule is T+0.

To do this or to opt out of Early Settlement, you can raise a support ticket here.

Where are early settlement additional charges deducted from?

Additional fee is levied if you enable Early Settlements.

If you have Fee Credits, then the Early Settlement Charges will be deducted from Fee Credits, else, they will be deducted from the settlement.

For On-Demand Early Settlements, charges will be deducted directly from the settlement.

How is my eligibility calculated?

A merchant’s eligibility is dependent on their transaction history on Razorpay. Aspects like transaction volumes, number of chargebacks, refunds, and vintage period with Razorpay (should be >3 months of transaction on Razorpay). are taken into account while calculating the unique credit score.

Simple pricing, no hidden charges

Get same-day settlements for a nominal fee and meet your working capital needs at the lowest rates in the industry.

Early Settlements

0.15-20%
Additional fee for T+0 or T+1 settlement cycle
Get your payments settled on the same working day! Avoid cash-flow issues and prepare better for working capital needs.
0.20-30%
Additional fee for settlements within an hour
Choose among settling within an hour or settling automatically twice every day.
One-Time Setup Fee

₹ 0.00

No setup fee
Annual Maintenance Fee

₹ 0.00

No maintenance fee

Working Capital

For all your capital needs, get pre-approved loans through Razorpay at 1.25% per month for 3 to 12 months, without any collateral.

Fuel your growth with Razorpay Capital

With Lending and Instant Settlements, prepare better for your growth and working capital requirements.