Capital Partnership

Razorpay Capital

is a lending platform enabling businesses to meet their cash flow challenges. With the Partnership program for Capital, you can refer businesses to Razorpay

Line of Credit

and earn lucrative rewards when your leads use the product.

Available Now

At the moment, you can only refer the

Line of Credit

product to your customer base.

How it Works

Watch this video to see how you can refer leads to Razorpay Capital.

Sign up or log in to your Razorpay Partner Dashboard.
- New to Razorpay
  .
- Existing Razorpay Merchant
  .
Enable the Capital Dashboard.
Refer leads for Line of Credit using
Referral links
or
Dashboard bulk upload
.

Partner Eligibility

An ideal profile for the Razorpay Capital business is:

Direct Sales Agent

If you are a direct sales agent having experience in reselling banking products such as corporate cards or business loans, you are a suitable partner for Capital Partnership.

B2B Business

If you are a B2B business owner looking to provide credit access to your customers, consider Partnerships for Capital. This additional credit will improve the purchasing power of your customers and increase your revenue.

Professional Services Provider

If you are a Professional Services Provider who provides services such as chartered accounting and company incorporation services, you should consider partnership with Razorpay Capital. Your customer base could be interested in lending products like corporate cards to manage their professional expenses, or may be looking for a flexible loan and repayment option.

Become a Partner for Capital

The Razorpay Capital Partner program is a closed group program with an invite-only access. You can apply to become a Partner for Capital by following these steps:

Fill the
interest for Capital Partnerships
form to communicate your interest in the program. One of our associates will get in touch with you.
Once picked as a
suitable profile
, you receive a mail from Razorpay with an exclusive invite link.
Open the link and
sign up for the Partner Program
.
After signing up, share your merchant ID (MID) with the sales associate. Your merchant ID is available at the top-right corner of the screen on your Dashboard.

After you share your MID, your Capital referral dashboard is enabled in a day. You have successfully become a Partner for Razorpay Capital.

Refer Product to Businesses

You can refer your customer base to avail Line of Credit in two ways:

Refer Businesses Via Referral Link

Refer and invite your customers to apply for Razorpay Line of Credit. This option is suitable if you want to broadcast the link on your website or social channels. Businesses can voluntarily sign up for the product using your link.

To copy the referral link:

Log in to the
Razorpay Dashboard
and navigate to your Partner Dashboard.
In the left menu, navigate to Affiliates Accounts → Line Of Credit.
Click Share Referral Link.

If you do not see the Line of Credit option, reach out to the sales POC.
In the Share Referral Link pop-up, copy the referral link.

After you have copied the referral link, share it directly on social media or your website. After the referred business (the lead) signs up and uses the product, you receive the referral bonus.

Refer Businesses Via Dashboard Upload

You can personally refer and invite your leads to Razorpay Capital in bulk via the Partner Dashboard. Enter their email addresses in the sample file and share the leads with us.

To upload leads on the Dashboard:

Log in to the
Razorpay Dashboard
and navigate to your Partner Dashboard.
In the left menu, navigate to Affiliates Accounts → Line Of Credit.
Click + Add New Clients.

If you do not see the Line of Credit option, reach out to the sales POC.
The Add New Merchants - Line of Credit pop-up window appears.

Click Download sample file and enter your leads' email addresses and details. The sample file contains the required fields along with the recommended formats and values.

Fields and Descriptions

Watch Out!

When you add details to fields in the sample template (both mandatory as well as optional), ensure that the details match the allowed values as explained in the table below.

Field	Allowed Values
`business_name` [Mandatory]	0-100 alphanumeric characters
`account_name` [Mandatory]	0-100 alphabet characters
`contact_mobile` [Mandatory]	10 digit mobile number with +91 extension
`email` [Mandatory]	Standard valid email address
`annual_turnover_min` [Mandatory]	Integer in Rupees. For example, ₹1,00,000
`annual_turnover_max` [Mandatory]	Integer in Rupees. For example, ₹20,00,000
`business_type` [Mandatory]	Types allowed: `PROPRIETORSHIP` `INDIVIDUAL` `PARTNERSHIP` `PRIVATE_LIMITED` `PUBLIC_LIMITED` `LLP` `NGO` `EDUCATIONAL_INSTITUTES` `TRUST` `SOCIETY` `NOT_YET_REGISTERED` `OTHER`
`promoter_pan` [Optional]	Standard PAN format
`business_vintage` [Optional]	`LESS_THAN_3MONTHS` `BETWEEN_3MONTHS_6MONTHS` `BETWEEN_6MONTHS_12MONTHS` `GREATER_THAN_12MONTHS` `UNKNOWN`
`gstin` [Optional]	Standard GSTIN format
`company_address_line_1` [Optional]	Standard address format
`company_address_line_2` [Optional]	Standard address format
`company_address_city` [Optional]	Standard address format
`company_address_state` [Optional]	Standard address format
`company_address_country` [Optional]	Standard address format
`company_address_pincode` [Optional]	Standard address format

You cannot enter more than 500 number of accounts in the file.
Enter the details in the template format only. Do not modify the template.

Verify your entries for any discrepancies and upload the file in the same window. You can upload both a .csv or a .xls file.

After you successfully upload the file, the file is processed and the leads details are displayed under Affiliate Accounts → Line of Credit tab.

Leads from your upload or referral links appear on your Dashboard

Some leads may be missing from the Dashboard due to failures. Please check for Razorpay's status email in your inbox. This mail contains the details of the failed leads.

Track Leads Status

As a Partner, you can track the status of the lead's application status under the Line Of Credit tab in your Partner Dashboard. It is displayed under the Activation Status column.

Activation status to track application of leads

The values of this column change as the lead's application passes each stage.

Application Status and Action Required

Listed below are the different stages and details of an application and the corresponding action required.

Status	Action Required by Merchant
In Process	No action required.
Bureau Submission	Merchant must complete Bureau submission in their application form. Complete the application on the RazorpayX Dashboard .
Income Proof Submission	Merchant must complete KYC submission in their application form. Complete the application on the RazorpayX Dashboard .
Post Offer Docs Collection	Offer is created. Merchant must accept the offer and submit the KYC documents in their application form. Complete the application on the RazorpayX Dashboard .
Pre Offer Docs Resubmission	There are issues with the submitted documents or new documents requested. Merchant must follow the steps in the application form. Complete the application on the RazorpayX Dashboard .
Merchant ESign Pending	Merchant must e-sign the document shared over email.
Merchant Nach Pending	NACH requested from the merchant is pending. Complete the application on the RazorpayX Dashboard .
CPV Pending	'Contact Person Verification' is pending.
Offer Acceptance	Merchant yet to accept the offer.
Go Live	Application is approved and the line of credit is now available.
Rejection	Application is rejected.
Application Closed	Application is closed. No action is required.

Referral Bonus Credit

For the leads converted in the previous month, you earn a referral bonus in the following month. We collect your bank details and credit the amount through a manual payout.

When any of your leads get converted, our associate reaches out to you to collect your bank account details.
Using those details, the payout is created.
We share an invoice with you that you can verify and approve.
After verification, the payout is processed. You receive the amount within 7 business days.

Support

For queries or assistance in any of the steps mentioned above, reach out to the sales POC.