API ReferenceIntegrationsKnowledge Base

Frequently Asked Questions (FAQs)

PaymentsπŸ”—

1. How does a customer make payments using the Razorpay Payment Gateway?
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Watch this demo to see how customers can make seamless payments using our Payment Gateway here. Watch Out!
This is a real transaction. The money will be deducted from your account when you complete the transaction. The money will be auto-refunded to your account in 4-5 days.

2. Is GST mandatory to accept payments?
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No, GST is not mandatory if your business does not have an annual turnover of over β‚Ή20 lakhs. However, if you do not provide your GST details, you would not be able to claim TDS at the time of filing your tax returns.

3. How can we test our website or mobile app integration with Razorpay Payment Gateway?
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Razorpay offers a sandbox environment where you can test the integrations before going live. To test your integration, generate test API Keys in the test mode and implement them in your code.

4. Do you have any test cards that we can use to check our website or mobile app integration with Razorpay Payment Gateway?
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You can use the following test card details to inspect the payment flow with the available payment methods. Use any CVV and any future date as the expiry date.

  • Mastercard: 5104015555555558 / 5104060000000008
  • Visa: 4111111111111111
  • Subscription: 5104015555555558
  • International MasterCard: 5555555555554444 / 5105105105105100
  • International Visa: 401288888881881 / 4000184186218826
  • AMEX: 379862000000006

5. What is Standard Capture?
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Standard capture is an authorisation followed by a delayed capture of the payment. In this scenario, if a customer makes a payment, the amount is deducted from the customer's bank account by Razorpay. The authorised amount is settled to your account only after you initiate a capture request.

6. What is auto-capture? How do I enable auto-capture for payments?
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When a customer makes a payment, it goes to the authorized state. You need to capture the payments to get them settled to your account. Auto-capture enables the payments to be captured automatically as soon as they are authorized. Payments that are authorized, but not captured are automatically refunded to the customers in 5 days.

To set up automatic capture of payments, set up Payment Capture settings on your Razorpay Dashboard.

7. How do I manually capture a payment?
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You can manually capture payments:

You need to capture the payments to get them settled to your account. Payments that are authorized, but not captured are automatically refunded to the customers in 5 days.

8. Can I accept International Payments through Razorpay?
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Yes, you can accept international payments using Razorpay Payment Gateway. Know more about International Payments.

9. How are payments made by my customers settled to my account? Is any action required from my end?
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No action is required from your for the settlements. Razorpay automatically settles the captured payments to your account as per your settlement cycle. Know more about Settlements.

10. A payment is marked as 'failed' on my Dashboard but money is debited from the customer’s account. What do I do?
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A payment is said to be in the 'failed' state when we do not receive a successful callback message on the transaction from the issuing bank. If the customer’s account is debited and we do not receive a successful callback, the amount will be auto-refunded by the customer’s issuing bank in 7-10 working days.

In case of a failed payment, we verify the status with the bank at regular intervals. If there is a change in status, the payment moves to the authorized state, and a notification is sent to you and the customer.

In such scenarios, you can choose to do any one of the following:

  • Provide services: Capture the payment and provide the service/good as was promised earlier to the customer.
  • Refund the transaction: If you are not able to provide service to the customer as per the agreed terms (Such as, time of delivery, cost of purchase or inventory issues), refund the payment to the customer.

11. Is Razorpay PCI-DSS compliant?
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Yes, Razorpay is PCI-DSS compliant.

12. What is Late Authorization?
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Late authorization is a situation that arises when a payment is interrupted by external factors such as network issues or technical errors at customer's or bank's end. In such cases, funds may or may not get debited from the customer's bank account and Razorpay does not receive a payment status from the bank. Know more about Late Authorization.

International PaymentsπŸ”—

1. Does Razorpay support wire transfers for international payments?
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No. Currently, we only support international payments made using cards issued by overseas banks for all the major networks, such as Visa, Mastercard and Amex.

2. What currencies does Razorpay support?
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Razorpay supports more than 100 international currencies. Know more about the list of supported currencies.

3. Is there a list of Razorpay products that support international payments
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Yes. Know more about the products that support international payments.

4. Who handles the currency conversion?
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  • Supported Currencies: No currency conversion is required. You can pass the payment amount in the native currency. Know more about Currency Conversion.
  • Non-supported Currencies: For the currencies we do not support, you will have to handle conversion at your end and pass it to Razorpay in INR.

5. What is the settlement cycle for international payments?
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The default settlement cycle for international payments is T+7 days where "T" is the day on which the payment was made by the customer. You can view your settlement cycle on your Razorpay Dashboard.

6. How does the settlement happen for international payments?
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The Settlement currency is INR (Indian Rupees) for all transactions done using Razorpay. Thus, international payments are settled in INR. The exchange rate at the time of the payment creation is considered for conversion.

RefundsπŸ”—

1. How do I initiate a refund?
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You can issue partial or full refunds:

By default, the entire amount is refunded. If you are issuing a partial refund, ensure the partial refund option is selected and enter the desired value in INR. Watch Out!
Razorpay issues immediate refunds. Once a refund is issued, it cannot be canceled or reversed

2. Do you charge for refund?πŸ”—

  • Refunds
    No, we do not charge for the regular refunds. However, fees and tax charged for a captured payment are not reversed.
  • Instant Refunds
    Yes, we charges a small fees to issue instant refunds. Know more about refund fees.

3. I am unable to refund a payment. What do I do?
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If your current balance is less than the amount you are trying to refund, you can either initiate the refund once you receive further payments or you can add funds to your account from your Razorpay Dashboard.

4. Are there any charges for instant refunds?πŸ”—

Yes. There is a small charge to issue instant refunds. Know more about refund fees.

5. Does Razorpay support Instant Refunds for International Payments?
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Yes, instant refunds are possible for payments involving international currencies. Know more about the list of supported currencies.

6. What are the payment methods supported for instant refunds?
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You can issue instant refunds on payments accepted using netbanking, UPI and Credit cards payment methods.

SettlementsπŸ”—

1. What are settlements?
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Settlement is the process in which the money received from your customers is settled to your bank account. Settlements for all payments will be done in INR (Indian Rupees), irrespective of the currency in which the payment was made by the customer. Settlement cycle is subject to bank approval and can vary based on your business vertical, risk factor, etc. Each settlement generated has a unique settlement ID attached to it along with the amount settled. Know more about Settlements.

2. What is the settlement cycle you offer?
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Our standard settlement cycle is T+2 working days, T being the date of transaction capture. This means that the captured payments are settled within 2 working days from the date of capture. Handy Tips
Working days do not include second and fourth Saturdays, Sundays and bank holidays.

3. How do I check settlements in my bank account?
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Each settlement has a Unique Transaction Reference (UTR) number, which is provided by our banking partners. You can see this number in the settlement section when you click on a particular settlement ID and when you download Settlement Reports from the Reports section. This is a unique reference number available across banks, which can be used to track a specific settlement in your bank account.

4. The status of my settlement shows as failed on the dashboard. What do I do?
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Check if you have received a mail from our Support Team. Please revert to the mail with the necessary details. If you have not received any email from Razorpay, please contact our Support Team for assistance.

5. How to reconcile settlements along with the transactions made?
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You can download a daily or a monthly report for the Settlement Recon Report from the Reports section on the Razorpay Dashboard. The report contains transactions and the corresponding Settlement IDs.

DisputesπŸ”—

1. How do I get informed if a customer has raised a dispute?
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You will receive an email notification when a dispute is created. Additionally, you can subscribe to Webhook Events. Know more about notifications related to disputes.

2. How do I contest disputes?
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You can submit evidences to contest disputes. Know more about submitting evidence.

3. How are disputes handled for international payments?
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For a dispute raised for international payment, the amount deducted from your account will be based on the currency conversion rate of the day when the dispute was created. The currency conversion rate is dependent on the rate charged by processing banks. This conversion rate may vary from that on the day when the payment was created. Know more about the submitting evidence.

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