Payments

Dashboard

Account Settings

Credits

Credits

Know about the Amount credits, Fee credits and Refund credits available to you. Manage them and configure alerts from the Razorpay Dashboard.

There are three types of credits

Amount credits

,

Fee credits

and

Refund credits

. You can view and add funds to these credits from the Dashboard. Also, you can

configure alerts

to receive email notifications when your credits fall below the set threshold.

Amount Credits

Amount credits availablility for unregistered businesses

Unregistered businesses

cannot use Amount credits for prepaid cards, credit cards or corporate credit cards.

Amount credits are the credits against which you can receive payments without any fee deduction.

Example

If you have a credit of $100, you will not be charged any fees for payments up to $100. However, if a transaction exceeds $100 (for example, $100.01), fees apply to the entire amount, and you cannot use your credits for this transaction. Amount credits might be assigned to your account during sign-up if Razorpay runs promotional campaigns.

View Amount Credits

You can view the Amount credits assigned to your Razorpay Dashboard account. However, you cannot add any funds to this credit.

Fee Credits

Fee credits are the credits using which businesses can receive the full settlement amount without any fee deduction. Specific business categories use these credits to help them meet regulatory requirements.

Example

If you have a fee credit of $100, all the transactions will be settled in full, and the fees for these payments will be deducted from the ₹100 fee credit.

Add Fee Credits

Your Fee credits balance is updated.

View Fee Credit History

You can view the Fee credits previously added by you.

Refund Credits

Refund credits are the credits you can use to make refunds to customers. This ensures that the refunds are not made from your settlement amount but from a separate credit pool.

Example

If you have a Refund credit of $100, any refunds to be processed will be deducted from this credit and not from the actual payment.

Add Refund Credits

View Refund Credit History

You can view the Refund credits previously added by you.

Credit Alerts

You can configure alerts to receive email notifications when any of your credits fall below the set threshold amount. This helps you monitor your credit balance and add funds to them whenever necessary.

You can set three alert levels, wherein:

  • Alert Level 1: Level set by you on the Dashboard.
  • Alert Level 2: Automatically set as 50% of Alert Level 1.
  • Alert Level 3: Automatically set as 25% of Alert Level 1.

Example

You can set your Refunds credit alert as $1,000. This means that whenever your Refund credits balance falls below:

  • $1,000: The first email is sent to your registered email address.
  • $5,000: The second email is sent.
  • $2,500: The third and final email is sent.

Configure Credit Alerts

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