> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Update a Product Configuration

> Update a product configuration using the Razorpay API.

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
  <span>🇲🇾 Malaysia</span>
  <span>🇸🇬 Singapore</span>
  <span>🇺🇸 United States</span>
</div>

Use this endpoint to update a product configuration.

<RequestExample>
  ```bash Bank Account theme={null}
  curl -X PATCH https://api.razorpay.com/v2/accounts/acc_HQVlm3bnPmccC0/products/acc_prd_HEgNpywUFctQ9e/ \
  -u <YOUR_KEY_ID>:<YOUR_KEY_SECRET> \
  -H "Content-Type: application/json" \
  -d '{
     "settlements":{
        "account_number":"1234567890123456",
        "ifsc_code":"HDFC0000317",
        "beneficiary_name":"Gaurav Kumar"
     },
     "tnc_accepted":true
  }'
  ```

  ```java Java theme={null}
  RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

  String accountId = "acc_HQVlm3bnPmccC0";

  String productId = "acc_prd_HEgNpywUFctQ9e";

  JSONObject productRequest = new JSONObject();

  JSONObject settlements = new JSONObject();
  settlements.put("account_number","1234567890123456");
  settlements.put("ifsc_code","HDFC0000317");
  settlements.put("beneficiary_name","Gaurav Kumar");

  productRequest.put("settlements",settlements);

  productRequest.put("tnc_accepted",true);

  Account product = instance.product.edit(accountId, productId, productRequest);
  ```

  ```python Python theme={null}
  import razorpay
  client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

  accountId = "acc_HQVlm3bnPmccC0"
  productId = "acc_prd_HEgNpywUFctQ9e"

  client.product.edit(accountId, productId, {
    "settlements": {
      "account_number": "1234567890123456",
      "ifsc_code": "HDFC0000317",
      "beneficiary_name": "Gaurav Kumar"
    },
    "tnc_accepted": True
  })
  ```

  ```php PHP theme={null}
  $api = new Api($key_id, $secret);

  $accountId = "acc_HQVlm3bnPmccC0";
  $productId = "acc_prd_HEgNpywUFctQ9e";

  $api->account->fetch($accountId)->products()->edit($productId, array(
      "settlements" => array(
          "account_number" => "1234567890123456",
          "ifsc_code" => "HDFC0000317",
          "beneficiary_name" => "Gaurav Kumar"
      ),
      "tnc_accepted" => true
  ));
  ```

  ```csharp .NET theme={null}
  RazorpayClient client = new RazorpayClient(your_key_id, your_secret);

  string accountId = "acc_HQVlm3bnPmccC0";

  string productId = "acc_prd_HEgNpywUFctQ9e";

  Dictionary<string, object> productRequest = new Dictionary<string, object>();

  Dictionary<string, object> settlements = new Dictionary<string, object>();
  settlements.Add("account_number", "1234567891");
  settlements.Add("ifsc_code", "HDFC0000317");
  settlements.Add("beneficiary_name", "Gaurav Kumar");

  productRequest.Add("settlements", settlements);
  productRequest.Add("tnc_accepted", true);

  Product product = client.Product.Fetch(accountId, productId).Edit(productRequest);
  ```

  ```ruby Ruby theme={null}
  require "razorpay"
  Razorpay.setup('YOUR_KEY_ID', 'YOUR_SECRET')

  accountId = "acc_HQVlm3bnPmccC0"
  productId = "acc_prd_HEgNpywUFctQ9e"

  Razorpay::Product.edit(accountId, productId, {
    "settlements": {
      "account_number": "1234567890123456",
      "ifsc_code": "HDFC0000317",
      "beneficiary_name": "Gaurav Kumar"
    },
    "tnc_accepted": true
  })
  ```

  ```javascript Node.js theme={null}
  var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

  var accountId = "acc_HQVlm3bnPmccC0";
  var productId = "acc_prd_HEgNpywUFctQ9e";

  instance.products.edit(accountId, productId, {
    "settlements": {
      "account_number": "1234567890123456",
      "ifsc_code": "HDFC0000317",
      "beneficiary_name": "Gaurav Kumar"
    },
    "tnc_accepted": true
  });
  ```

  ```go Go theme={null}
  import ( razorpay "github.com/razorpay/razorpay-go" )
  client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

  accountId := "acc_HQVlm3bnPmccC0"
  productId := "acc_prd_HEgNpywUFctQ9e"

  data := map[string]interface{}{
      "settlements": map[string]interface{}{
          "account_number":"1234567890123456",
          "ifsc_code": "HDFC0000317",
          "beneficiary_name": "Gaurav Kumar",
      },
      "tnc_accepted": true
  }

  body, err := client.Product.Edit(accountId, productId, data, nil)
  ```

  ```bash CLI theme={null}
  razorpay route accounts product-update acc_IEIkSOM5VJb2Lm pro_IEIkSOM5VJb2Lm \
    --account-number 9876543210123456 \
    --ifsc HDFC0001234 \
    --beneficiary-name "Acme Pvt Ltd" \
    --tnc-accepted
  ```

  ```bash VPA theme={null}
  curl -X PATCH https://api.razorpay.com/v2/accounts/acc_HQVlm3bnPmccC0/products/acc_prd_HEgNpywUFctQ9e/ \
  -u <YOUR_KEY_ID>:<YOUR_KEY_SECRET> \
  -H "Content-Type: application/json" \
  -d '{
     "settlement_accounts":[
        {
           "method":"upi",
           "upi":{
              "vpa":"ravi.kumar@okhdfcbank",
              "beneficiary_name":"Ravi Kumar",
              "currency":"INR",
              "is_default":true
           }
        }
     ],
     "tnc_accepted":true
  }'
  ```

  ```bash Composite theme={null}
  curl -X PATCH https://api.razorpay.com/v2/accounts/acc_HQVlm3bnPmccC0/products/acc_prd_HEgNpywUFctQ9e/ \
  -u <YOUR_KEY_ID>:<YOUR_KEY_SECRET> \
  -H "Content-Type: application/json" \
  -d '{
     "settlement_accounts":[
        {
           "method":"bank_account",
           "bank_account":{
              "account_number":"1234567890123456",
              "beneficiary_name":"Priya Sharma",
              "code_type":"ifsc",
              "code":"HDFC0000317",
              "currency":"INR",
              "is_default":true
           }
        }
     ],
     "tnc_accepted":true
  }'
  ```
</RequestExample>

<ResponseExample>
  ```json Success (Bank Account) theme={null}
  {
     "requested_configuration":[

     ],
     "active_configuration":{
        "settlements":{
           "account_number":"1234567890123456",
           "ifsc_code":"HDFC0000317",
           "beneficiary_name":"Gaurav Kumar"
        }
     },
     "requirements":[

     ],
     "tnc":{
        "id":"tnc_K1eopApuHyBE7D",
        "accepted":true,
        "accepted_at":1659638222
     },
     "id":"acc_prd_K1eopFF8G21tux",
     "product_name":"route",
     "activation_status":"activated",
     "account_id":"acc_K1em7bWYEiwmnc",
     "requested_at":1659638222
  }
  ```

  ```json Success (VPA) theme={null}
  {
     "requested_configuration":[

     ],
     "active_configuration":{
        "settlement_accounts":[
           {
              "id":"sa_M1a2b3c4d5e6f7g8",
              "entity":"settlement_account",
              "method":"upi",
              "upi":{
                 "vpa":"ravi.kumar@okhdfcbank",
                 "beneficiary_name":"Ravi Kumar",
                 "currency":"INR",
                 "is_default":true
              },
              "verification_status":"verified",
              "verified_at":1708445520,
              "active":true
           }
        ]
     },
     "requirements":[

     ],
     "tnc":{
        "id":"tnc_K1eopApuHyBE7D",
        "accepted":true,
        "accepted_at":1659638222
     },
     "id":"acc_prd_K1eopFF8G21tux",
     "product_name":"route",
     "activation_status":"activated",
     "account_id":"acc_K1em7bWYEiwmnc",
     "requested_at":1659638222
  }
  ```

  ```json Success (Composite) theme={null}
  {
     "requested_configuration":[

     ],
     "active_configuration":{
        "settlement_accounts":[
           {
              "id":"sa_M1a2b3c4d5e6f7g9",
              "entity":"settlement_account",
              "method":"bank_account",
              "bank_account":{
                 "account_number":"XXXXXXXXXXXXXX56",
                 "beneficiary_name":"Priya Sharma",
                 "code_type":"ifsc",
                 "code":"HDFC0000317",
                 "currency":"INR",
                 "is_default":true
              },
              "verification_status":"pending",
              "active":true
           }
        ]
     },
     "requirements":[

     ],
     "tnc":{
        "id":"tnc_K1eopBqvIzCF8E",
        "accepted":true,
        "accepted_at":1659638222
     },
     "id":"acc_prd_K1eopGG9H32uvy",
     "product_name":"route",
     "activation_status":"activated",
     "account_id":"acc_K1em7bWYEiwmnc",
     "requested_at":1659638222
  }
  ```

  ```json Failure theme={null}
  {
     "error":{
        "code":"BAD_REQUEST_ERROR",
        "description":"Linked account does not exist",
        "source":"",
        "step":"",
        "reason":"linked_account_id_does_not_exist",
        "metadata":{

        }
     }
  }
  ```
</ResponseExample>

## Path Parameters

<ParamField path="account_id" type="string" required>
  The unique identifier of an account generated by Razorpay. For example, `acc_HQVlm3bnPmccC0`.
</ParamField>

<ParamField path="product_id" type="string" required>
  The unique identifier of a product generated by Razorpay. For example, `acc_prd_HEgNpywUFctQ9e`.
</ParamField>

## Request Parameters

<ParamField body="settlements" type="object">
  The Settlement settings object.
</ParamField>

<ParamField body="account_number" type="string">
  The bank account number to which settlements are made. For example, `1234567890123456`.
</ParamField>

<ParamField body="ifsc_code" type="string">
  The IFSC associated with the bank account. For example, `HDFC0000317`.
</ParamField>

<ParamField body="beneficiary_name" type="string" required>
  The name of the beneficiary associated with the bank account.
</ParamField>

<ParamField body="tnc_accepted" type="boolean" required>
  Determines whether the terms and conditions are accepted or not. Possible values: `true`/`false`.
</ParamField>

<ParamField body="settlement_accounts" type="array">
  Array of settlement destinations. Use this instead of `settlements` to configure a VPA (UPI id) as the settlement destination, or to switch a Linked Account's settlement destination between VPA and bank account. We currently support only 1 method per settlement account, so this array must contain exactly one entry.
</ParamField>

<ParamField body="settlement_accounts[].method" type="string" required>
  Settlement method. Possible values: `upi`, `bank_account`.
</ParamField>

<ParamField body="settlement_accounts[].upi" type="object">
  Required when `method` is `upi`.
</ParamField>

<ParamField body="settlement_accounts[].upi.vpa" type="string" required>
  Vendor's UPI Virtual Payment Address. Format: `username@psp`. The VPA must be validated and active on the vendor's UPI app before submission.
</ParamField>

<ParamField body="settlement_accounts[].upi.beneficiary_name" type="string" required>
  Name registered with the VPA. Must match the UPI registry.
</ParamField>

<ParamField body="settlement_accounts[].upi.currency" type="string" required>
  Currency code. Currently supports `INR`.
</ParamField>

<ParamField body="settlement_accounts[].upi.is_default" type="boolean" required>
  Must be `true`. We currently support only 1 method per settlement account.
</ParamField>

<ParamField body="settlement_accounts[].bank_account" type="object">
  Required when `method` is `bank_account`.
</ParamField>

<ParamField body="settlement_accounts[].bank_account.account_number" type="string" required>
  Bank account number. 5–20 characters.
</ParamField>

<ParamField body="settlement_accounts[].bank_account.beneficiary_name" type="string" required>
  Account holder name.
</ParamField>

<ParamField body="settlement_accounts[].bank_account.code_type" type="string" required>
  Routing code type. Currently supports `ifsc`.
</ParamField>

<ParamField body="settlement_accounts[].bank_account.code" type="string" required>
  IFSC code. 11 characters, format `AAAA0XXXXXX`.
</ParamField>

<ParamField body="settlement_accounts[].bank_account.currency" type="string" required>
  Currency code. Currently supports `INR`.
</ParamField>

<ParamField body="settlement_accounts[].bank_account.is_default" type="boolean" required>
  Must be `true`. We currently support only 1 method per settlement account.
</ParamField>

## Response Parameters

<ResponseField name="requested_configuration" type="object">
  The configuration of the product requested by the user that is yet to be set as active.
</ResponseField>

<ResponseField name="active_configuration" type="object">
  The configuration of the product that has been set as active.
</ResponseField>

<ResponseField name="settlements" type="object">
  The Settlement settings object.
</ResponseField>

<ResponseField name="account_number" type="string">
  The bank account number to which settlements are made. Account details can be found on the Dashboard. For example, `7878780080310012`.
</ResponseField>

<ResponseField name="ifsc_code" type="string">
  The IFSC associated with the bank account. For example, `RATN0VAAPIS`.
</ResponseField>

<ResponseField name="beneficiary_name" type="string">
  The name of the beneficiary associated with the bank account.

  <Info>
    **Handy Tip**

    <br />

    This API parameter is needed to complete the KYC process. However, it is optional for this API.
  </Info>
</ResponseField>

<ResponseField name="settlement_accounts" type="array">
  Present only when `settlement_accounts` was passed in the request. List of settlement destinations on the product configuration.
</ResponseField>

<ResponseField name="id" type="string">
  Unique identifier of the settlement account. For example, `sa_M1a2b3c4d5e6f7g8`.
</ResponseField>

<ResponseField name="entity" type="string">
  Entity type. Value: `settlement_account`.
</ResponseField>

<ResponseField name="method" type="string">
  Settlement method. Possible values: `upi`, `bank_account`. Bank account numbers are returned masked, showing only the last 2 characters. For example, `XXXXXXXXXXXXXX56`.
</ResponseField>

<ResponseField name="verification_status" type="string">
  Verification status of the settlement destination. For UPI, this is synchronous and returns `verified` in the response. For bank accounts, verification happens asynchronously via penny drop (10–15 minutes) and the status starts as `pending`.
</ResponseField>

<ResponseField name="verified_at" type="integer">
  Unix timestamp when the settlement destination was verified. Present only once `verification_status` is `verified`.
</ResponseField>

<ResponseField name="active" type="boolean">
  Indicates whether the settlement destination is active.
</ResponseField>

<ResponseField name="requirements" type="object">
  The list of requirements to be enabled for this product or some of the configurations under this product.
</ResponseField>

## Errors

<AccordionGroup>
  <Accordion title="Linked account does not exist.">
    **Code:** `400`

    This error occurs when the requester is not the parent of the child account, or the child account does not exist.

    **Solution:** Ensure the Linked Account id exists before proceeding with the update API.
  </Accordion>

  <Accordion title="Merchant activation form has been locked for editing by admin.">
    **Code:** `400`

    This error occurs when the submitted extra fields are under the review stage.

    **Solution:** You can wait for the review to be successful.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="Invalid IFSC Code.">
    **Code:** `400`

    This error occurs when the IFSC is invalid.

    **Solution:** Ensure to pass the valid IFSC.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="The account number must be between 5 and 20 characters.">
    **Code:** `400`

    This error occurs when the account number is less than 5 or more than 20 characters.

    **Solution:** Ensure the account number is between 5 to 20 characters.
  </Accordion>
</AccordionGroup>

<AccordionGroup>
  <Accordion title="More than one entry was provided in `settlement_accounts`.">
    **Code:** `400`

    This error occurs when more than one settlement destination is provided. We currently support only 1 method per settlement account.

    **Solution:** Send exactly one entry in `settlement_accounts`.
  </Accordion>

  <Accordion title="Invalid `method`.">
    **Code:** `400`

    This error occurs when `settlement_accounts[].method` is not one of the supported values.

    **Solution:** Use `bank_account` or `upi` as the settlement method.
  </Accordion>

  <Accordion title="The VPA format is invalid.">
    **Code:** `400`

    This error occurs when the VPA is not in the `username@psp` format.

    **Solution:** Validate the VPA format on your side before submission.
  </Accordion>

  <Accordion title="The VPA does not exist or is inactive on the UPI registry.">
    **Code:** `422`

    This error occurs when the VPA cannot be found or has not been activated on the vendor's UPI app.

    **Solution:** Prompt the vendor to verify and activate the VPA on their UPI app before resubmitting.
  </Accordion>

  <Accordion title="The beneficiary name does not match the name registered with the VPA or bank account.">
    **Code:** `422`

    This error occurs when the `beneficiary_name` provided does not match the name registered with the VPA or bank account.

    **Solution:** Re-confirm the exact name with the vendor and update the `beneficiary_name` accordingly.
  </Accordion>
</AccordionGroup>