API ReferenceIntegrationsKnowledge Base

My Account

This section contains details about your profile, information on the type and quantity of credits in your account, allows you to add funds to your account and allows you to manage teams within your organization.

Following are the four tabs available in the My Account option and the actions you can perform in each of them:

Profile#

This tab contains information such as Merchant Name, Email, GST details and Settlement Account details.

Change Bank Account Details#

You can request a change to the bank account linked to your account. This is your settlement account.

Note:
You will need an account statement copy of the new account you want to link to your Razorpay account to complete the process. The account statement should include details such as account number, IFSC, beneficiary, etc. and should contain transaction details for the last three months or since the account was opened, whichever is later.

To request a change:

  1. Log into your Dashboard.
  2. Navigate to My Account and click Profile.
  3. Click Request Change.

  4. Enter the details of the new bank account your want linked to your Razorpay account. This will be your new settlement account.

  5. Upload a copy of your account statement and click Save.

Credits#

Credits can be added to your account for various reasons and are of two types:

  • Amount Credits are used against payment amounts.
  • Fee Credits are used against transaction fees and can be refilled (top-up) by you as well.

Note:
You can only be assigned one of the credit types at a time, but not both.

Amount Credits#

This is the total amount of credits in your account against which you can receive payments without any fee being deducted.

For example, if you have a credit of ₹100, no fee will be charged on payments for a total sum of amount ₹100.

Fee Credits#

In certain businesses, due to compliance with the regulatory guidelines, all the transactions should be settled to your account in full without any deduction of transaction fees. In such cases, the transaction fee is charged seperately and is deducted from Fee Credits of your account.

For example, if a fee credit of ₹1,000 is set for your account, all the transactions will be settled in full and the transaction fees for these payments will be deducted from the fee credit of ₹1,000.

Managing Alerts for Fee Credit Balance#

You can set up an email alert when your fee credit balance falls below the defined threshold.

For example, if you have set the alert limit at ₹500, you will receive email alerts as the fee credit balance progressively falls below ₹500, ₹250 and ₹125 in your account.

To add an alert:

  1. Log into the Dashboard and navigate to My Account and click Credits.
  2. In the Fee Credits panel, click Manage Alerts.
  3. In the Amount field, set a threshold when you want to be alerted.

Low balance alerts will be sent to the email address that you had configured in the Configuration tab of the Settings menu.

Add Funds#

Adding funds is a simple way for you to add money to your merchant account. This is needed when you are issuing refunds and your account doesn't have enough funds.

Manage Team#

Razorpay allows you the flexibility to provide only relevant accesses for specific departments or users in your organization.

For example, you might want someone in your organization to perform day-to-day operations like handle refunds and settlements. In this case, you can give a person access to your Razorpay Dashboard and assign them the role Operations. This limits their access to actions related to refunds and settlements only.

This can be done using the Manage Teams option. Here you can invite members in your organization to your Razorpay account or remove existing members from your Razorpay account. Each member must be assigned a role.

You can invite anyone with a valid email address to your Razorpay account. Every user has unique login credentials.

Invite a User#

To invite a member to your team:

  1. Log into your Dashboard.
  2. Navigate to the My Account tab and click Manage Team.
  3. Type the email address of the user to be invited and click on the dropdown and select a role for the user.
  4. Click Send Invitation to invite the user. A list of accepted and pending invitations are available on the same page.
  5. Click Resend to re-invite the user or Cancel to cancel the invitation.

Watch the short animation below for more details.

New User#

You can invite a user who is not registered with Razorpay to join your team. Such users are sent an invite link via email.

When they click the link, they are taken to a sign-up page where they have to provide a password to complete the sign-up process and access the Dashboard.

Existing Razorpay User#

You can invite a user who is already registered with Razorpay to join your team.

If you invite an existing user to your Dashboard, they see the invite at the bottom of the Profile tab in My Account on their Dashboard.

Switching Accounts:
After accepting the invite, the invited user can switch between both their and your accounts using the Switch Merchant option available on the Dashboard header.

However, you cannot access their account, unless they invite you to join their team.

Standard User Roles#

Razorpay provides predefined user roles for your team members. You can use these roles to limit a user's access to the Dashboard. The below table explains each of the roles and permissions associated with it.

Role

User Permissions

Owner

The user credentials used at the time of registration on Razorpay account is the owner of the account. Has access to all the options on the Dashboard and can perform all actions without restrictions.
A user assigned the Owner role can perform the following actions:
- Generate API Keys, <key_id> and <key_secret>
- Capture transactions
- Create refunds
- Create and manage invoices, payment pages, payment links, plans and subscription links, customers, virtual account and webhook
- Create and upload batch files
- Manage Teams
- Edit activation form details, including bank account details and GST number, before submission
- Edit linked account details
- View all transactions and settlements
- Download and email reports

Admin

Has access to all the options on the Dashboard and can perform all actions, except Manage Teams.
A user assigned the Admin role can perform the following actions:
- Generate <key_id> and <key_secret>
- Capture transactions
- Create refunds
- Create and manage invoices, payment pages, payment links, plans and subscription links, customers, virtual account and webhook
- Create and upload batch files
- Edit activation form details, including bank account details and GST number, before submission
- View all transactions and settlements
- Download and email reports

Manager

Has access to all the options on the Dashboard and can perform all actions, except Team Management and Key Generation.
A user assigned the Manager role can perform the following actions:
- Capture transactions
- Create refunds
- Create and manage invoices, payment pages, payment links, plans and subscription links, customers, virtual account and webhook
- Create and upload batch files
- Edit activation form details, including GST number, before submission
- View all transactions and settlements
- Download and email reports

Operations

Has access to all views. Cannot make configuration or team changes. Useful for day-to-day operations like handling refunds and settlements.
A user assigned the Operations role can perform the following actions:
- Capture transactions
- Create refunds
- Create and manage invoices, payment pages, payment links and customers
- Create and upload batch files
- View all transactions and settlements
- Download and email reports

Finance

Can view payment-related data including Reports and Settlements. Finance role cannot perform any action on the payment such as capture or refund.
A user assigned the Finance role can perform the following actions:
- Create and upload batch files
- Edit activation form details including GST number, before submission
- View all transactions and settlements
- Download and email reports

ePos

A user assigned the ePos role can perform the following actions:
- Create invoices, payment links and payment pages.
- Only view invoices, payment links and payment pages they created.
- Cannot view invoices, payment links and payment pages created by other users.

Support

Can access payments, refunds, invoices, and orders. Cannot perform any write operations like refunds or captures.
A user assigned the Support role can perform the following actions:
- View all transactions and settlements
- Download and email reports

Update the Role of a User#

You can change the role of a user after the invitation is sent to the user or after the invitation is accepted by the user. To update a user's role:

  1. Log into your Razorpay account.
  2. Navigate to My Account and click Manage Team.
  3. Select the new role for the user from the dropdown.
  4. Click Update.

Watch the short animation below for more details.

Remove a User#

To remove a user from your team:

  1. Log into your Razorpay account.
  2. Navigate to My Account and click Manage Team.
  3. Click Remove to remove a user from the Team Member list. Once removed, the user can no longer access your Dashboard.
  4. Click Cancel to remove a user from the Pending Invitations list.

Watch the short animation below for more details.

Set Up Two-Factor Authentication#

Razorpay provides enhanced security and protection through two-factor authentication(2FA) for all the users of the Dashboard. Users are prompted to authenticate themselves by providing OTP sent to their registered mobile devices. By setting this additional layer of security, Razorpay ensures that only intended users have access to your Dashboard, thus preventing malicious attacks or misuse of your sensitive business data.

How it works?#

Everytime users log into the Dashboard, Razorpay will send OTPs on their registered mobile numbers to verify their identitiies. The users will be able to login only after successful verification using a combination of password (login credential) and OTP. There are different ways in which 2FA can be set up on a Razorpay account:

  • Account level
    As an owner of a Razorpay account, you can enforce 2FA for all the users (team members) linked to your account.
  • User level
    As a user of the Razorpay account, you can set 2FA to login to the Dashboard. This is particularly useful in situations when your account owner has not set 2FA for all the users (team members) of the account.

Enabling 2FA at the Account Level#

To enable 2FA for all team members of an account, log into the Dashboard using the credentials of an owner. For more information about roles and permissions of an owner, refer to the standard user roles section.

  1. Navigate to My Account -> Manage Team.


2. Slide the toggle button to enable the 2-Step Verification to the team for your account.


3. Enter your password for your account and confirm.


4. An OTP is sent to your registered mobile device.

You have now set up 2FA for all the team members of your account.

From now on, all the users will be asked to authenticate their identities everytime they login to the Dashboard.

In case, phone number was not provided at the time of signup, the users will be prompted to enter their mobile number as shown below:

Now, OTP is sent to their respective mobile devices and they can proceed to complete their authentication.

Enabling 2FA at the User Level#

To set up 2FA for your user account, log into the Razorpay Dashboard with appropriate credentials of the role that you are assigned. For more information about roles and permissions, refer to the standard user roles section.

  1. Navigate to My Account -> Profile tab.


2. Slide the 2 Step Verification toggle button to enable this additional security step for your own account.


3. You will be prompted to provide your password.


4. Once done, 2FA is enabled for your user account.

Once you login after 2FA set-up, you will be prompted to enter OTP sent via SMS on your registered mobile number. If a mobile number was not provided at the time of signup, you will be prompted to enter your mobile number to which OTP is sent.

Troubleshooting#

There could be certain situations where users are unable to login to the Dashboard as they are either locked out of their accounts or lost their mobile devices. The account owner can resolve those issues.

  • What to do if a user account is locked?
    If users enter wrong OTP multiple times, their accounts will be locked for security reason. To be able to log into the Dashboard again, they should contact their respective account owners. The account owner can unlock those users' accounts as shown below:

  • What to do if the users have lost their mobile devices
    In cases where users have lost their mobile devices, they should reach out to their respective account owners. The account owner can invalidate 2FA for them as shown:

  • What to do if the account owner has lost his mobile device?
    If you are the account owner and have lost your mobile device, contact our Support Team to invalidate 2FA for your account.